2018 MINI Clubman Insurance Rates – 5 Tips to Save

Consumers have lots of choices when looking for the best price on MINI Clubman insurance. They can either spend hours contacting agents to compare prices or save time using the internet to get rate quotes. There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the quickest way to get price quotes for a MINI and locate the lowest price.

The most recommended method to compare insurance rates from multiple companies is to know most insurance companies pay for the opportunity to compare rate quotes. The only thing you need to do is provide information including if you have an active license, if it has an alarm system, how you use your vehicles, and how much education you have. Those rating factors is then submitted to all major companies and you should receive rate quotes instantly to find the best rate.

Do insurance coverage companies bend the truth?

Consumers can’t escape the ads for cheaper insurance coverage from the likes of Progressive, Geico, Allstate and State Farm. They all advertise claims that drivers will save a bundle after switching your insurance coverage policy to them.

How can each company charge you less for car insurance? Just pay attention to how they say it.

All companies look for specific characteristics for the right customer they prefer to insure. For example, a profitable risk profile may need to be married and over the age of 30, has a low-risk occupation, and insures a new vehicle. Any driver who fits those characteristics may get the lowest premium rates and therefore will save when they switch companies.

Potential customers who do not meet the ideal profile may receive more expensive rates with the end result being business going elsewhere. The wording the ads use say “people that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can make the claims of big savings. This really illustrates why you absolutely need to compare price quotes frequently. It’s not possible to predict with any certainty which company will have the best premium rates.

Lower rates by qualifying for these five discounts

Car insurance companies don’t always advertise all possible discounts in a way that’s easy to find, so below is a list both well-publicized as well as the least known credits that may apply to you. If you’re not getting every credit available, you are not getting the best rate possible.

  • Early Switch Discount – Some companies provide a discount for buying a new policy prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • Defensive Driver Discounts – Successfully completing a driver safety class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Military Discounts – Being deployed in the military can result in better rates.
  • New Vehicle Savings – Buying a new car model may earn a small discount because new vehicles are generally safer.
  • Good Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on Clubman coverage than their less cautious counterparts.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, nobody gets a free ride.

A few popular companies and some of the discounts are outlined below.

  • State Farm offers premium reductions for safe vehicle, accident-free, driver’s education, multiple autos, passive restraint, and good driver.
  • Geico has savings for multi-policy, anti-theft, membership and employees, five-year accident-free, and seat belt use.
  • Progressive discounts include multi-policy, multi-vehicle, online signing, good student, online quote discount, homeowner, and continuous coverage.
  • 21st Century policyholders can earn discounts including anti-lock brakes, student driver, early bird, driver training, and homeowners.
  • American Family offers discounts including Steer into Savings, good driver, TimeAway discount, early bird, bundled insurance, and good student.
  • The Hartford offers discounts for defensive driver, good student, air bag, anti-theft, bundle, vehicle fuel type, and driver training.
  • AAA may include discounts for education and occupation, multi-policy, good student, AAA membership discount, multi-car, and good driver.

If you need lower rates, check with each company or agent to apply every possible discount. Some credits might not be available to policyholders in your area. To find insurers with discount car insurance rates, click this link.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Am I insured when driving a different vehicle?
  • What is covered by UM/UIM coverage?
  • When should I buy a commercial auto policy?
  • Is my teen driver covered when they drive my company car?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, hail damage, rock chips in glass and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, scraping a guard rail, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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

Liability can pay for things like funeral expenses, repair costs for stationary objects, bail bonds and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like pain medications, rehabilitation expenses, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Saving money makes a lot of cents

More affordable insurance is available from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not offer the ability to get quotes online and usually these small insurance companies work with local independent agents.

Insureds who switch companies do it for a number of reasons such as poor customer service, delays in responding to claim requests, not issuing a premium refund and high prices. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the lowest possible cost.

Additional insurance information can be read on the following sites: