How Much Does 2013 MINI Cooper Insurance Cost?

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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 ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 18, 2022

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If you’re shopping for a used car and wondering how much a 2013 MINI Cooper costs, you can expect to pay about $10,000 for a 2013 MINI. 

Having to pay for overpriced insurance on a used MINI Cooper can empty your savings account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to help find cheap car insurance for a new or used MINI.

Drivers have multiple insurance companies to buy insurance from, and although it’s a good thing to have a selection, too many choices make it more difficult to adequately compare rates.

Finding the best rates on the cost of 2013 MINI Cooper insurance is not that difficult. If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Drivers only need to know the proper way to get comparison quotes over the internet.

Factors That Impact MINI Cooper Auto Insurance Rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that could result in lower auto insurance prices.

  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Safe vehicles cost less to insure – Safer cars can get you lower premiums. Safer cars result in less severe injuries and lower injury rates mean lower claim amounts and more competitive rates for policyholders. If the MINI Cooper scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Where you live – Choosing to live in less populated areas is a positive aspect when it comes to auto insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with more traffic problems and longer commute times. More time on the road translates into a higher accident risk.
  • Small claims can cost you – Companies generally give lower rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

MINI Cooper Auto Insurance Options

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Collision Coverage

This coverage will pay to fix damage to your Cooper resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pothole, hitting a mailbox, crashing into a ditch, colliding with a tree, and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist Coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2013 MINI Cooper.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collisions. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hitting a bird, fire damage, damage from a tornado or hurricane, and hail damage. The maximum amount an insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability Coverage

This coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people and does not provide coverage for 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 might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability insurance covers claims such as legal defense fees, attorney fees, repair costs for stationary objects, bail bonds, and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical Payments and PIP Coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like surgery, nursing services, hospital visits, and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants, as well as any family member, struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Tailor Your MINI Cooper Insurance Coverage

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining if you could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • What if I total my 2013 MINI Cooper and owe more than it’s worth?
  • Do I pay less if my vehicle is kept in my garage?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when using my vehicle for my home business?
  • If my pet gets injured in an accident are they covered?
  • Why do I only qualify for high-risk insurance?
  • Do I need roadside assistance coverage?
  • Am I covered when driving a rental car?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. 

Save on 2013 MINI Cooper Car Insurance

Auto insurance companies don’t always advertise all their discounts very well, so we break down some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.

  • E-sign – Certain companies may give you up to $50 for buying a policy and signing up online.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates on insurance coverage for Cooper coverage.
  • Passive Restraints – Vehicles equipped with airbags or motorized seat belts can receive discounts up to 30%.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Cooper coverage.

As a disclaimer on discounts, most of the big markdowns will not be given throughout the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may have some of the above discounts are:

  • Mercury Insurance
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Allstate
  • GEICO

It’s a good idea to ask every prospective company how you can save money. Discounts may not apply in your area.

How to Lower Your MINI Cooper Auto Insurance Cost

All the larger auto insurance companies quote prices for coverage on their websites. The process is pretty easy as you just enter your coverage preferences as detailed in the form. Once entered, their system makes automated requests for your driving record and credit report and returns a price based on these and other factors.

Quoting online streamlines rate comparisons, but having to visit multiple sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to find better auto insurance pricing.

Compare MINI Cooper Auto Insurance Rates and Save

Budget-conscious 2013 MINI Cooper insurance is available online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies that don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Compare Quotes the Easy Way

The easiest way to locate the lowest prices requires only one form that obtains quotes from a bunch of companies at once. It’s a time-saver, eliminates repetitive work, and makes online price comparison much more efficient.

Immediately after you send the form, it is rated and you can select any one of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.

If you currently have coverage, we recommend that you enter deductibles and limits identical to your current policy. This guarantees you will have an apples-to-apples comparison for exact coverage.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce the premium. There are a lot of situations where drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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