Cheap 2017 MINI Convertible Insurance Rates

Searching for lower car insurance rates for your MINI Convertible? Wish you could get out of high-priced car insurance? You’re in good company because you are not the only one feeling buyer’s remorse. Consumers have multiple auto insurance companies to choose from, and although it’s a good thing to be able to choose, lots of choices makes it harder to find a good deal.

It’s a great practice to check car insurance prices quite often because rates are usually higher with each renewal. If you had the best rate for Convertible coverage a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you should be able to cut costs considerably using these methods. Drivers only need to know the best way to compare rates online.

Eight tips to get cheap insurance premiums

Many things are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but other criteria are less apparent such as your credit history or your commute time.

The list below includes just a few of the factors that factor into your rate level.

• Safety first – Safer cars get lower rates. Safe vehicles reduce the chance of injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders.
• Discounts for auto and home policies – Some companies apply lower prices for people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to compare other company rates to guarantee you are still saving the most.
• High physical damage deductibles reduce costs – Comp and collision deductibles define the amount you are required to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more expense you’re willing to pay, the better rate you will receive for Convertible coverage.
• Claim-free discounts can add up – Auto insurance companies generally give most affordable rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended for more catestrophic claims.
• Driving citations are costly – Whether or not you get tickets can have a huge impact on auto insurance premiums. Even a single ticket may increase your cost to the point where it’s not affordable. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten multiple citations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.
• Cheaper rates after marriage – Being married may cut your premiums when buying insurance. It means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
• Never go without insurance – Allowing your coverage to lapse will be a fast way to increase your insurance rates. Not only will rates go up, the inability to provide proof of insurance could earn you a steep fine or even jail time.
• Premiums may be higher where you live – Being located in a rural area has definite advantages when talking about insurance. People who live in big cities have more road rage incidents and longer commutes to work. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.

Low cost insurance rate quotes

There are a variety of methods to shop for insurance, and some are less time-consuming than others. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize the web to achieve your goal.

Many companies participate in an industry program that allows shoppers to complete one form, and each company provides a quote based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is you cannot specify which companies you want pricing from. So if you prefer to choose specific providers to compare rates, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

The method you choose is up to you, but do your best to enter apples-to-apples coverage limits and deductibles with each company. If you have different values for each quote it’s impossible to find the best deal for your MINI Convertible.

Discounts can really help save money

Auto insurance companies don’t always list all their discounts in an easy-to-find place, so we break down both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

• Organization Discounts – Belonging to specific professional or occupational memberships or organizations could qualify you for a break when shopping for insurance.
• No Claims – Insureds with no claims or accidents can earn big discounts as compared to bad drivers.
• Discount for Home Ownership – Just owning your own home can help you save on insurance because owning a home shows financial diligence.
• Switch and Save Discount – Select companies give a discount for buying a new policy before your current policy expires. You can save around 10% with this discount.
• Drive Less and Save – Fewer annual miles on your MINI could earn lower premium rates due to less chance of an accident.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Student Discounts – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
• Defensive Driver Discounts – Passing a course teaching defensive driving skills could possibly earn you a 5% discount and make you a better driver.
• Multi-Vehicle Discounts – Insuring multiple vehicles on a single policy can reduce the rates for all insured vehicles.

As is typical with insurance, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you’re out of luck.

A few popular companies and a summarized list of policyholder discounts are:

• State Farm offers discounts including multiple policy, multiple autos, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, and passive restraint.
• Geico has discounts for anti-lock brakes, multi-vehicle, air bags, defensive driver, and anti-theft.
• SAFECO discounts include teen safety rewards, anti-lock brakes, drive less, bundle discounts, multi-car, accident prevention training, and homeowner.
• Farmers Insurance may have discounts that include alternative fuel, multi-car, switch companies, business and professional, pay in full, and distant student.
• AAA policyholders can earn discounts including good driver, AAA membership discount, multi-car, pay-in-full, and education and occupation.
• USAA offers discounts for military installation, multi-policy, new vehicle, annual mileage, and family discount.

If you want cheap auto insurance quotes, ask every prospective company which discounts they offer. Some credits might not be offered in your area. For a list of insurers with significant discounts, click here to view.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need professional guidance.

• Does my policy cover me when driving someone else’s vehicle?
• Does my personal policy cover me when driving out-of-state?
• Do I need medical payments coverage since I have good health insurance?
• Should I waive the damage coverage when renting a car?
• Where can I find high-risk insurance?
• What if I total my 2017 MINI Convertible and owe more than it’s worth?
• When do I need to add a new car to my policy?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage options for a 2017 MINI Convertible

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, rock chips in glass, fire damage, falling objects and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, X-ray expenses and surgery. They can be used to cover expenses not covered by your health insurance program 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 only offered in select states and gives slightly broader coverage than med pay

Collision – This covers damage to your Convertible resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability car insurance – This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, attorney fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2017 MINI Convertible.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

One last thing

When getting auto insurance quotes online, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

In this article, we presented a lot of information how to save on 2017 MINI Convertible insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

For more information, feel free to visit the resources below:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Child Safety FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)