View 2014 MINI Cooper Roadster Insurance Quotes

Finding better insurance prices for a MINI Cooper Roadster can be a painful process, but you can use a few tricks to save time. There is a better way to compare car insurance rates and we’ll show you the quickest way to get price quotes for a new or used MINI and obtain the lowest possible price from local insurance agents and online providers.

Consumers need to price shop coverage once or twice a year because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Cooper Roadster insurance last year you may be paying too much now. Forget all the misinformation about car insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

If you have a policy now or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Pricing the lowest cost car insurance is simple if you know the tricks. Vehicle owners just need to understand how to compare price quotes online.

How to Get Insurance Coverage

Comparing insurance coverage rates can be exhausting if you aren’t aware of the most efficient way. You can waste hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace where prospective buyers submit their information once, and each company then returns a price quote determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To compare pricing click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which providers to receive prices from. So if you prefer to pick specific insurance companies to receive pricing from, we have a page of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure to compare apples-to-apples quote information on every quote. If the quotes have mixed coverages it’s not possible to determine which rate is truly the best.

Discounts are great for lower rates

Car insurance companies do not advertise every available discount very clearly, so we researched both well-publicized and the more hidden car insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • Club Memberships – Affiliation with a qualifying organization may earn a discount on car insurance for Cooper Roadster insurance.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • One Accident Forgiven – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Resident Student – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Save over 55 – Older drivers may receive a small decrease in premiums for Cooper Roadster insurance.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

For a list of insurers offering car insurance discounts, click here to view.

You may need specialized coverage

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Is my ex-spouse still covered by my policy?
  • Who is covered when they drive my 2014 MINI Cooper Roadster?
  • Am I covered if I break a side mirror?
  • Does coverage extend to Mexico or Canada?
  • Should I rate my 2014 MINI Cooper Roadster as pleasure use or commute?
  • Why do I only qualify for high-risk insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • How can I force my company to pay a claim?
  • Is my trailer covered?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Parts of the MINI Cooper Roadster rate equation

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with big savings.

  • Battle of the sexes – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Men and women have accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as reckless driving.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • The more you drive the more you pay – Driving more miles each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Cooper Roadster may be wasting your money.
  • Older drivers save more – Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers have a tendency to be more careless in a vehicle and because of this, their auto insurance rates are much higher.

Specific coverages for a MINI Cooper Roadster

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like chiropractic care, pain medications, EMT expenses, ambulance fees and dental work. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers 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 Cooper Roadster.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability insurance

This can cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, emergency aid, funeral expenses, bail bonds and court costs. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird, theft and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Make a quick buck

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price while still protecting your assets.

We’ve covered a lot of information how to reduce 2014 MINI Cooper Roadster insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service or denial of a claim. It doesn’t matter what your reason, switching companies can be less work than you think.

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