2017 MINI Hardtop Car Insurance Rates – 7 Discounts for Best Quotes

Trying to find lower insurance coverage rates for your MINI Hardtop? Are you regretting buying an underperforming, overpriced insurance coverage policy? Trust us, there are lots of residents who feel the same.

Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute best rate

First Step: Get free insurance quotes

There are a variety of methods to shop for insurance, but one way is more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quoting to get the quickest rates.

Many insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing determined by their information. This saves time by eliminating quote requests to every company.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose the companies you want pricing from. So if you want to select from a list of companies for rate comparison, we have a listing of companies who write insurance in your area. Click to view list.

Whichever method you choose, make sure you are using apples-to-apples coverage limits and deductibles on every quote you get. If you use differing limits it will be next to impossible to find the best deal for your MINI Hardtop. Just a small difference in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing more rates from different companies will enable you to find more affordable rates. Not every company provides online quotes, so it’s important to compare price quotes on coverage from those companies, too.

Take these seven policy discounts and save

Companies that sell car insurance don’t necessarily list the entire discount list in a way that’s easy to find, so we took the time to find both the well known in addition to some of the lesser obvious ways to save on car insurance.

  • No Charge for an Accident – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • More Vehicles More Savings – Buying a policy with multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Early Signing – A few larger companies give discounts for switching companies before your current policy expires. Ten percent is about the average savings.
  • Home Ownership Discount – Owning a home can earn you a little savings since owning and maintaining a home demonstrates responsibility.
  • Savings for New Vehicles – Insuring a new car can get you a discount due to better safety requirements for newer vehicles.
  • Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less on Hardtop coverage as compared to drivers with claims.

You should keep in mind that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

Some companies that possibly offer most of these discounts are:

If you are trying to find affordable insurance quotes, ask every insurance company what discounts are available to you. A few discounts may not apply to policies in your area.

Which policy gives me the best coverage?

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • When would I need rental car insurance?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when driving a rental car?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I get insurance after a DUI in my state?
  • How can I find cheaper teen driver insurance?
  • Is my custom paint covered by insurance?
  • Are rental cars covered under my policy?
  • Do I need motorclub coverage?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your MINI Hardtop.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability – Liability coverage provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like structural damage, emergency aid and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision insurance covers damage to your Hardtop resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for EMT expenses, surgery, X-ray expenses, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage, damage from getting keyed and theft. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Save for a rainy day

The cheapest 2017 MINI Hardtop insurance can be purchased from both online companies and with local insurance agents, so you need to quote insurance with both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these regional insurance providers prefer to sell through independent agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are many occasions where drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at an affordable rate while still protecting your assets.

Additional information is available on the following sites: