2017 MINI Clubman Insurance Rates – 9 Ideas for Best Quotes

Looking for better insurance rates for your MINI Clubman? Trying to come up with a payment for high-priced insurance can diminish your personal savings and force you to cut corners elsewhere. Performing a price comparison is a great way to lower your monthly bill.

Companies like Geico and Progressive promote their brand names with catchy ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

It’s a great practice to get comparison quotes as often as possible because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rate on Clubman coverage six months ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper insurance.

If you have a current auto insurance policy or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need to know how to get comparison quotes on the web.

The quickest way to compare car insurance company rates is to take advantage of the fact auto insurance companies allow for online access to give you rate quotes. The only thing you need to do is provide information such as if you lease or own, whether the vehicles are used for commuting, if you have an active license, and any included safety features. Those rating factors is then submitted to many of the top insurers and they return quotes very quickly.

To check 2017 MINI Clubman insurance prices now, click here and find out if lower rates are available.

Discounts can really help save money

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but a few must be specially asked for before you get the savings.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
• Onboard Data Collection – Drivers that enable their company to look at when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot might see lower rates if their driving habits are good.
• Save over 55 – If you’re over the age of 55, you may be able to get lower premium rates on Clubman coverage.
• College Student – who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Accident-Free Discounts – Good drivers with no accidents pay less in comparison with insureds who have frequent claims or accidents.
• Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
• Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
• Good Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on Clubman coverage than less cautious drivers.
• Anti-lock Brakes – Vehicles with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.

It’s important to note that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works.

The best insurance companies and the discounts they provide are outlined below.

• State Farm has discounts for Steer Clear safe driver discount, defensive driving training, anti-theft, passive restraint, and multiple policy.
• American Family offers premium reductions for mySafetyValet, good driver, Steer into Savings, TimeAway discount, accident-free, multi-vehicle, and early bird.
• Geico policyholders can earn discounts including air bags, military active duty, anti-theft, daytime running lights, federal employee, and good student.
• 21st Century discounts include air bags, student driver, driver training, teen driver, anti-lock brakes, and 55 and older.
• Progressive offers discounts including online quote discount, homeowner, continuous coverage, multi-policy, and online signing.

It’s a good idea to ask every insurance company how you can save money. A few discounts might not be offered in your area. If you would like to view companies who offer free insurance quotes, click here to view.

Will just any policy work for me?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

• Am I covered when pulling a rental trailer?
• Do I really need UM/UIM coverage?
• How high should deductibles be on a 2017 MINI Clubman?
• How many claims can I have before being cancelled?
• Am I missing any policy discounts?
• Do I pay less for low miles?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Auto liability

This can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as funeral expenses, bail bonds, loss of income and attorney fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Clubman resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, rolling your car, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage kick in for bills for EMT expenses, doctor visits, surgery, ambulance fees and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding, falling objects and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your MINI Clubman.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Be a penny pincher

We just presented some good ideas how you can save on 2017 MINI Clubman insurance. The most important thing to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from an unexpected company. Regional companies can often provide lower premium rates in certain areas than their larger competitors like Geico and State Farm.

When shopping online for insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

The cheapest 2017 MINI Clubman insurance can be purchased online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers don’t offer price quotes online and usually these smaller companies work with independent agents.

For more information, take a look at the resources below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)