2013 MINI Cooper Roadster Insurance Rates
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UPDATED: Jun 13, 2015
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Trying to find cheaper insurance rates? Buyers have a choice when searching for low-cost MINI Cooper Roadster insurance. You can either waste hours calling around to compare prices or use the internet to make rate comparisons.
There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to quote coverages for a new or used MINI and find the cheapest rates.
You should make it a habit to compare prices at least once a year because rates change quite often. Even if you think you had the best rates on Cooper Roadster insurance two years ago other companies may now be cheaper. You can find a lot of wrong information about insurance on the internet, so we’re going to give you some great ideas on how to reduce your insurance bill.
Low Cost Insurance Coverage
Finding cheaper 2013 MINI Cooper Roadster insurance coverage prices is surprisingly easy. Just take the time to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
Probably the best way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for repetitive form submissions for each company. One form submission gets you coverage quotes from all major companies. Just one form and you’re done.
A less efficient way to compare rate quotes is to manually visit each company’s website to request a price quote. For sake of this example, let’s say you want comparison quotes from GEICO, Progressive and Allstate. To get each rate you have to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
The least recommended way of comparing rate quotes is driving around to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local agent. It is possible to get prices online but still have the advice of a local agent and we’ll cover that in a bit.
It doesn’t matter which method you choose, just make sure you use the exact same quote information for every company. If you compare different liability limits it will be impossible to determine the best price for your MINI Cooper Roadster.
Don’t pay full price with these ten discounts
Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some must be specially asked for before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.
- No Charge for an Accident – Certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
- Distant Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Organization Discounts – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance on Cooper Roadster insurance.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
- Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
- Multiple Cars – Having all your vehicles on the same insurance policy may reduce the rate for each vehicle.
As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous. But any discount will help reduce your overall premium however.
Insurance companies that possibly offer some of the above discounts include:
It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not be offered in your state.
Your personal situation dictates your coverage
When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.
For instance, these questions can aid in determining whether or not you may require specific advice.
- Do I pay less if my vehicle is kept in my garage?
- How do I file an SR-22 for a DUI in my state?
- Do I have newly-aquired coverage?
- Is my teenager covered with friends in the car?
- Is my ex-spouse still covered by my policy?
- What is the ISO rating for a 2013 MINI Cooper Roadster?
- Am I covered if I hit a deer?
- Are my friends covered when driving my car?
- Do I have coverage for damage caused while driving under the influence?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Coverages available on your policy
Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for bills like nursing services, chiropractic care, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Collision coverage protection
This pays for damage to your Cooper Roadster resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as hitting a mailbox, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Coverage for liability
This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. 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 pain and suffering, repair costs for stationary objects and loss of income. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.
Comprehensive auto coverage
Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.
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