2017 MINI Convertible Insurance Quotes – 8 Tips for Best Rates

Searching for cheaper car insurance rates for your MINI Convertible? Car owners who are new to the process of comparison shopping online could find sourcing inexpensive insurance is harder than they anticipated.

It’s a good habit to price shop coverage yearly due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest rate on Convertible insurance two years ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because we’re going to demonstrate the best methods to get good coverage at a lower rate.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. This information will let you in on how to effectively get price quotes and some money-saving tips. But car owners should learn how insurance companies sell online and take advantage of how the system works.

Lower your car insurance rates with these eight discounts

Auto insurance companies don’t list every policy discount in a way that’s easy to find, so the list below gives a summary of both the well known and the more hidden discounts that you can inquire about if you buy insurance online.

No Accidents – Insureds who avoid accidents and claims can save substantially when compared with policyholders that have many claims.
Distant Student Discount – living away from home attending college and don’t have a car can receive lower rates.
Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates on Convertible insurance.
Discount for Home Ownership – Just being a homeowner can earn you a little savings since home ownership is proof that your finances are in order.
Life Insurance Discount – Insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy life insurance from them.
Government Employees – Active or former government employment could provide a small rate reduction on Convertible insurance depending on your car insurance provider.
Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you can actually save on your bill.
Sign Online – A handful of larger companies provide a small discount for signing up on the internet.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

A few popular companies and a partial list of their discounts are detailed below.

Farm Bureau may have discounts that include safe driver, renewal discount, driver training, 55 and retired, and good student.
State Farm policyholders can earn discounts including good driver, defensive driving training, multiple autos, safe vehicle, and good student.
Progressive offers discounts including good student, continuous coverage, online signing, multi-policy, and online quote discount.
Allstate offers premium reductions for passive restraint, resident student, 55 and retired, early signing, and anti-lock brakes.
Nationwide may include discounts for multi-policy, accident-free, business or organization, easy pay, anti-theft, and family plan.
MetLife may offer discounts for claim-free, multi-policy, defensive driver, good driver, good student, accident-free

Before buying, ask all the companies which discounts they offer. Some of the earlier mentioned discounts might not apply in your state. To find car insurance companies that provide some of the discounts listed above, click this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like Progressive, Allstate and Geico seem to constantly run ads on television and other media. All the ads advertise claims that drivers will save a bundle if you switch to them. It sounds good, but how can they all offer you a better deal? Just pay attention to how they say it.

Many companies offer their best rates for the type of customer that will be a good risk. For instance, a driver they prefer may be between 25 and 40, insures multiple vehicles, and drives a vehicle with a low ISO rating. Any driver that meets those criteria gets the lowest auto insurance rates and will pay quite a bit less when switching companies.

Consumers who fall short of these criteria may be forced to pay more expensive rates which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can confidently advertise the savings.

This emphasizes why you really should compare free insurance quotes often. Because without a comparison, you cannot know which insurance companies will provide the lowest auto insurance rates.

You are unique and your auto insurance should be too

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might point out whether you might need professional guidance.

Should I waive the damage coverage when renting a car?
If my pet gets injured in an accident are they covered?
Do I need PIP (personal injury protection) coverage in my state?
Do I need rental car coverage?
How can I get high-risk coverage after a DUI?
When should I drop full coverage on my 2017 MINI Convertible?
Am I covered when delivering products for my home-based business?
Does my insurance cover damage caused when ticketed for reckless driving?
Exactly who is provided coverage by my policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as doctor visits, surgery, dental work, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This will cover damage that occurs to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, court costs, medical services, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your MINI Convertible.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle, rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

More choices the merrier

We just covered quite a bit of information on how to save on 2017 MINI Convertible insurance. The key thing to remember is the more you quote insurance, the better chance you’ll have of finding low cost insurance. You may even find the best price on car insurance is with a lesser-known regional company.

Insureds switch companies for many reasons like high rates after DUI convictions, policy cancellation, delays in responding to claim requests and poor customer service. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

Some car insurance companies do not provide internet price quotes and most of the time these smaller providers only sell coverage through independent insurance agents. Lower-priced car insurance is definitely available online as well as from independent agents, so compare prices from both to get a complete price analysis.