2009 MINI Cooper Clubman Insurance Quotes – 6 Tips for Cheapest Rates

Want cheaper car insurance rates for your MINI Cooper Clubman? I really doubt anyone gets a kick out of paying for car insurance, especially when they are aware that they could find better rates elsewhere.

Online insurance companies like Geico, 21st Century and Progressive constantly blast consumers with advertising and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to cut costs considerably using these tips. Finding the best rates is easy if you know what you’re doing. Although drivers do need to know how the larger insurance companies sell online and take advantage of how the system works.

Car insurance quotes comparison

There are a lot of ways to compare car insurance prices but some are less labor-intensive and much quicker. You could spend your day driving to local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Most car insurance companies participate in a marketplace where insurance shoppers submit their information once, and each participating company can give them a price. This system prevents you from having to do quotation requests for each company. To access this free quoting program, click here to start a free quote.

The only drawback to using this type of form is buyers cannot specifically choose which providers to receive prices from. If you prefer to choose specific insurance companies to compare, we have a page of companies who write car insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you are using the exact same coverages on every quote you get. If each company quotes different limits and deductibles on each one you will not be able to truly determine the lowest rate. Slightly different limits can result in a big premium difference. And when comparison shopping, comparing all the rates in your area helps increase your odds of locating the best price.

Insurance coverage ads bend the truth

Big name companies like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make the point that drivers can save some big amount if you just switch to their company. How is it possible that every company can offer you a better deal? Just pay attention to how they say it.

Insurance companies have specific characteristics for a prospective insured they prefer to insure. For example, this type of driver should be over age 30, carries full coverage, and drives newer vehicles. Anyone that hits that “sweet spot” receives the best premium rates and as a result will probably pay quite a bit less when switching companies.

Consumers who may not quite match this ideal profile will be charged higher prices and this results in the prospect going elsewhere. The wording the ads use say “people who switch” but not “everyone who gets a quote” save money. That’s why insurance companies can confidently state the savings. Because of this risk profiling, you need to get insurance coverage quotes as often as possible. It’s just not possible to know with any certainty which company will have the lowest rates for your situation.

Double check you’re getting these six discounts

Car insurance can cost a lot, but there’s a good chance there are discounts that you may not know about. Many discounts should be triggered at quote time, but a few must be inquired about in order for you to get them.

• Early Renewal Discounts – Some companies give discounts for renewing your policy before your current coverage expires. It can save you around 10%.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
• Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
• Defensive Driver Discount – Successfully completing a driver safety class could cut 5% off your bill and make you a better driver.
• Service Members Pay Less – Having an actively deployed family member may lower your insurance coverage rates slightly.
• Paperwork-free – Some larger companies provide a small discount for signing up online.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, that’s just not realistic.

Auto insurance companies that may include these discounts possibly include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you are trying to find affordable insurance coverage quotes, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area.

Special considerations

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

• Does insurance cover damages from a DUI accident?
• How much liability insurance is required?
• Is rental equipment covered for theft or damage?
• Is pleasure use cheaper than using my 2009 MINI Cooper Clubman to commute?
• Which is better, split liability limits or combined limits?
• Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 2009 MINI Cooper Clubman

Having a good grasp of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Liability insurance

This can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as bail bonds, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, hospital visits, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This coverage covers damage to your Cooper Clubman resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, crashing into a ditch, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer, fire damage and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your MINI Cooper Clubman.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Summing up your insurance coverage search

You just read a lot of ways to reduce 2009 MINI Cooper Clubman insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap insurance coverage. Consumers could even find that the most savings is with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

The cheapest 2009 MINI Cooper Clubman insurance can be found both online and from local agencies, so you need to quote insurance coverage with both in order to have the best price selection to choose from. Some insurance providers do not provide internet price quotes and usually these small, regional companies sell through independent insurance agents.

Additional information

• Collision Insurance Coverage (Nationwide)
• Should I Buy a New or Used Car? (Allstate)
• Vehicle Insurance (Wikipedia)
• Older Drivers FAQ (iihs.org)
• Airbag FAQ (iihs.org)