2006 MINI Cooper Car Insurance Rates – 5 Tips for Best Quotes
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UPDATED: Nov 23, 2017
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Looking for lower insurance rates? Shoppers have a choice when shopping for the lowest priced MINI Cooper insurance. They can either waste time calling around trying to get quotes or use the internet to make rate comparisons.
There are both good and bad ways to find insurance online and we’ll show you the proper way to compare rates for a new or used MINI and find the best price possible either online or from local insurance agents.
It’s a good idea to price shop coverage quite often since rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Cooper insurance six months ago you can probably find a lower rate today. So block out anything you think you know about insurance because I’m going to teach you how to use the internet to save on insurance.
The easiest way to compare rate quotes is to know car insurance companies will pay a fee to quote your coverage. The only thing you need to do is provide a small amount of information including whether you are married, the ages of drivers, whether or not you need a SR-22, and if your license is active. The rating information is submitted instantly to multiple top-rated companies and they respond with quotes immediately.
Don’t pay full price with these five discounts
The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be specifically requested before they will apply. If you aren’t receiving every discount possible, you are throwing money away.
- One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Cooper insurance than drivers with accidents.
- Claim Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
- Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
Drivers should understand that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.
Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:
It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in every state.
Your personal situation dictates your coverage
When buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining whether or not you will benefit from professional help.
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is rental equipment covered for theft or damage?
- Does my policy cover me when driving someone else’s vehicle?
- What is an SR-22 filing?
- Am I covered when driving in Canada or Mexico?
- Do I have coverage when making deliveries for my home business?
- Should I bundle my homeowners policy with my auto?
- Are my friends covered when driving my 2006 MINI Cooper?
If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.
Coverages available on your policy
Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.
Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like legal defense fees, emergency aid, bail bonds, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like hospital visits, rehabilitation expenses, doctor visits, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.
Collision coverage pays for damage to your Cooper resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as backing into a parked car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
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