1. Vehicles
  2. MINI
  3. Cooper Clubman
  4. 2009 Model Year

2009 MINI Cooper Clubman Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 2, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Consumers have a choice when looking for low-cost MINI Cooper Clubman insurance. They can either waste time driving around getting price quotes or use the internet to compare rates. There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates on a MINI and find the best price possible from both online companies and local agents.

Compare Quotes for Insurance

Finding a better price on insurance is not rocket science. The only requirement is to invest a little time to compare quotes online with multiple companies. This can be done in a couple of different ways.

  1. One of the best ways to find low rates is a comparison rater form click here to open form in new window. This easy form keeps you from doing multiple quote forms for each company you want a rate for. A single form will get you rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.
  2. A harder way to compare prices is going to the website of each company and complete a new quote form. For sake of this example, we’ll pretend you want rates from Nationwide, State Farm and Farmers. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming way of getting rate comparisons is to spend time driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. You can, however, price shop online and still use a local agent and we’ll cover that in a bit.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits for every company. If each company quotes differing limits it will be next to impossible to find the best deal for your MINI Cooper Clubman.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always publicize every available discount in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Cooper Clubman insurance than their less cautious counterparts.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

Car insurance companies that possibly offer some of the above discounts are:

Double check with all companies you are considering which discounts they offer. Savings may not be available in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Situations that might require an agent

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Am I covered by my spouse’s policy after a separation?
  • Does my policy cover my teen driver if they drive my company car?
  • What happens if I owe more than my 2009 MINI Cooper Clubman is worth?
  • Am I missing any policy discounts?
  • Am I covered when driving on a suspended license?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

MINI Cooper Clubman insurance rates are influenced by…

It’s important that you understand the rating factors that go into determining the price you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are some of the items companies use to determine prices.

  • Don’t buy coverages you don’t need – There are quite a few extra coverages you can purchase on your car insurance policy. Things like personal injury protection, better glass coverage and motor club memberships are examples of these. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Your location affects your rates – Living in a rural area can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident.
  • Lower rates with optional equipment – Driving a car with an alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If the MINI Cooper Clubman has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • More than one policy can earn a discount – Most insurance companies provide better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. If you currently are using one company, you may still want to comparison shop to ensure the best deal.
  • Higher deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your MINI from damage. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more you have to pay, the bigger discount you will receive for Cooper Clubman insurance.

Auto insurance specifics

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like legal defense fees, attorney fees, emergency aid, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for X-ray expenses, chiropractic care, funeral costs, rehabilitation expenses and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your MINI Cooper Clubman.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This will pay to fix damage to your Cooper Clubman caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Save your hard earned cash

Lower-priced 2009 MINI Cooper Clubman insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we presented some good ideas how you can shop for insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a lesser-known regional company.

Drivers leave their current company for a number of reasons such as policy non-renewal, policy cancellation, denial of a claim or delays in responding to claim requests. Whatever your reason, finding a great new company is not as hard as you think.

Additional insurance information can be found at these links:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles