1. Vehicles
  2. MINI
  3. Cooper Roadster
  4. 2014 Model Year

2014 MINI Cooper Roadster 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: Jun 13, 2015

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.

Tired of not being able to afford to buy car insurance? Your situation is no different than most other car owners.

Because there are so many choices, it’s difficult to find the most affordable insurer.

It is always a good idea to do rate comparisons quite often because rates trend upward over time. Just because you found the lowest rates for Cooper Roadster coverage last year you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to find out how to use online quotes to properly buy coverages while reducing your premium.

This article will help educate you on the best way to quote coverages. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Nevertheless, drivers do need to understand how big insurance companies market insurance on the web and apply this information to your search.

Cut your premium with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Most are applied when you purchase, but less common discounts must be asked for before you will receive the discount.

  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Cooper Roadster coverage than drivers with accident claims.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Early Switch Discount – A few companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

Car insurance companies who might offer these money-saving discounts are:

Check with each company which discounts you may be entitled to. Savings may not be available in your area.

What is the best insurance coverage?

When buying the best insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I need higher collision deductibles?
  • Is extra glass coverage worth it?
  • Can my babysitter drive my car?
  • Is a blown tire covered by insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Are my friends covered when driving my 2014 MINI Cooper Roadster?
  • Why is insurance for a teen driver so high?
  • Are my friends covered when driving my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, hitting a deer and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills like EMT expenses, surgery, dental work and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their 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. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical services and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Do the work, save more money

You just learned quite a bit of information on how to reduce 2014 MINI Cooper Roadster insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the best price on insurance is with a small mutual company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many cases, someone dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

More detailed insurance information is located in these articles:

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