2013 MINI Cooper Roadster Insurance Rates

Are you confused by the wide range of car insurance companies? Many other drivers are as well. People have so many choices that it can be more work than you anticipated to find the perfect company for you.

Finding affordable coverage is not rocket science. Basically, every vehicle owner who buys insurance coverage will most likely be able to reduce their rates. But drivers must comprehend the way insurance companies sell insurance online and apply this information to your search.

The fastest way that we advise to get policy rate comparisons utilizes the fact car insurance companies provide online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide details such as whether the vehicles are used for commuting, your job, if a SR-22 is required, and if the car is leased. The rating information is sent automatically to multiple different insurance companies and you should receive rate quotes immediately.

Discounts mean cheaper MINI Cooper Roadster insurance rates

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known ways to save on car insurance.

  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Distant Student – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Cooper Roadster coverage than drivers with accident claims.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.

Keep in mind that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurance companies offering car insurance discounts, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation could use an agent’s help.

  • Am I covered when driving someone else’s vehicle?
  • Is a fancy paint job covered?
  • Can I afford to buy a different vehicle if my 2013 MINI Cooper Roadster is totaled?
  • Do I need more liability coverage?
  • What is no-fault insurance?
  • What is PIP insurance?
  • How can I get high-risk coverage after a DUI?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Lesser-known factors impacting MINI Cooper Roadster insurance rates

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to better auto insurance rates.

  • Credit scores impact auto insurance rates – Your credit score is a large factor in determining your rates. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 2013 MINI Cooper Roadster by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Higher deductibles cost less – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your MINI from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, or theft. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Cooper Roadster coverage.
  • Your auto insurance rates can be influenced by your job – Jobs such as real estate brokers, architects and accountants have higher rates than average attributed to high stress levels and long work days. On the flip side, occupations such as scientists, athletes and retirees get better rates on Cooper Roadster coverage.
  • Liability insurance protects assets – Liability coverage is the protection if you are found to be at fault for damages from an accident. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women cause accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
  • One company can mean more discounts – The majority of auto insurance companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare other company rates to verify if the discount is saving money.

The car insurance bait and switch

Car insurance providers like 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all make the same claim about savings if you change to their company. How does each company say the same thing?

Insurance companies can use profiling for the right customer that makes them money. A good example of a driver they prefer could be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A driver who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will be quoted more money which leads to the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully claim big savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which car insurance company will fit your personal profile best.

Coverages available on your auto insurance policy

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your MINI Cooper Roadster.

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. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

This protects you from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims. 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, medical expenses, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building, driving through your garage door, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, falling objects, fire damage and vandalism. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as rehabilitation expenses, hospital visits, chiropractic care and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Get your money’s worth

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest price.

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, high prices, policy cancellation and delays in paying claims. It doesn’t matter what your reason, choosing a new company can be pretty painless.

You just learned many tips how you can compare 2013 MINI Cooper Roadster insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the best prices are with a small mutual company.

More information is available at the links below