Cheap 2014 MINI Cooper Countryman Insurance Rates

Want the cheapest auto insurance rates for your MINI Cooper Countryman? Tired of paying out the nose each month for car insurance? You are no different than the majority of other car owners.

Companies like Allstate, Liberty Mutual and State Farm all promote huge savings with advertising and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Finding the best rates is quite easy. But vehicle owners must know how big insurance companies price insurance differently because it can help you find the best coverage.

Elements that influence MINI Cooper Countryman insurance rates

It’s important that you understand the rating factors that help determine auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate premiums.

  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Your age impacts your rates – Teenage drivers tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Consolidate policies to earn discounts – Many insurers will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money. You may still find a better deal by splitting coverages up.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if ever you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and fewer injuries means lower claim amounts and lower rates for you. If your MINI scored better than four stars on you may qualify for a discount.
  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI.
  • Your location is important – Being located in a small town has it’s advantages when talking about auto insurance. Lower population means reduced accidents. Drivers who live in large cities have congested traffic and much longer commute distances. More time commuting translates into higher accident risk.
  • Having a spouse can save you money – Being married actually saves money on your policy. It usually means you are more mature and it’s proven that married couples file fewer claims.

Fast and Easy Car Insurance Quotes

The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to find the cheapest 2014 MINI Cooper Countryman insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quotes for each company. A single form will get you price quotes from multiple low-cost companies.
  2. A different way to get comparison quotes is spending the time to visit the website for every company you want to comare and request a quote. For sake of this example, let’s say you want comparison quotes from Auto-Owners, Allstate and Progressive. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just compare the exact same coverage limits with every price quote. If you compare unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate. Having just a slight variation in coverages may result in a large different in cost. Just remember that comparing more company’s prices gives you a better chance of getting a better price.

Is there truth in advertising?

Insurance coverage providers like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all make the same claim about savings if you move to their company. How does each company make almost identical claims?

All the different companies have a preferred profile for the right customer that is profitable for them. For example, a preferred risk could be over the age of 40, has no prior claims, and drives newer vehicles. A customer who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile must pay higher prices which leads to business not being written. Company advertisements say “customers who switch” not “people who quote” save that much money. That is how companies can truthfully advertise the way they do. This illustrates why drivers must get quotes from several different companies. It is impossible to predict which insurance coverage company will have the lowest MINI Cooper Countryman insurance rates.

Take discounts and save

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Club Memberships – Participating in certain professional organizations is a good way to get lower rates on your policy for Cooper Countryman insurance.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Cooper Countryman insurance with a few car insurance companies.
  • Good Student – This discount can earn a discount of 20% or more. The discount lasts up to age 25.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of insurers with the best car insurance discounts, click here to view.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine if you may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Why am I required to buy liability insurance?
  • How can I get high-risk coverage after a DUI?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

UM/UIM Coverage

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your MINI Cooper Countryman.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as chiropractic care, prosthetic devices and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Cooper Countryman resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability

This will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, medical services, pain and suffering, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, a broken windshield, theft, hail damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t be a big spender

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

The cheapest 2014 MINI Cooper Countryman insurance is possible both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not provide online quoting and these small insurance companies work with independent agents.

You just learned some good ideas how you can get a better price on insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a smaller regional carrier. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Additional insurance information can be read below: