Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Nobody that owns a car enjoys paying for car insurance, especially when they are aware that they could lower their rates if they shopped around. Due to the large number of car insurance companies to choose from, it’s difficult to locate the cheapest insurer.

It’s a good habit to do price comparisons before your next renewal because car insurance prices tend to go up over time. Even if you think you had the lowest rate on Cooper Coupe insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to save money, get proper coverage and the best rates.

This information will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Consumers just need to know the tricks to get comparison quotes online.

Educated choices result in lower insurance prices

Lots of things are considered when you get a price on insurance. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as your marital status and annual miles driven.Consumers need to have an understanding of the different types of things that go into determining the level of your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with much lower annual insurance costs.

The itemized list below are a few of the things that factor into premiums.

  • Never allow your policy to lapse – Allowing your coverage to lapse is a sure-fire way to pay more for auto insurance. In addition to paying higher premiums, failure to provide proof of insurance could result in a revoked license or a big fine.
  • City traffic equals higher costs – Having an address in a rural area is a good thing if you are looking for the lowest rates. Fewer drivers means reduced accidents. Urban drivers have to deal with more auto accidents and more severe claims. More time on the road can result in more accidents.
  • Do you have enough liability? – The liability section of your policy is the coverage that protects you if you are found liable for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to other policy coverages, so do not skimp.
  • Lower premiums with alarm systems – Owning a car with advanced anti-theft systems can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
  • Raise comp and collision deductibles and save – Comprehensive and collision coverage deductibles tell how much you are required to pay if you file a covered claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more of the claim the insured is willing to pay, the less your auto insurance will be on Cooper Coupe insurance.
  • Only buy what you need – There are many additional extra coverages that you can get tricked into buying if you aren’t careful. Coverage for things like coverage for rental cars, accidental death, and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but if you have no use for them remove them from your policy.
  • Teenagers vs. older drivers – Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims , and are generally more financially stable.Teen drivers are known to be less responsible when behind the wheel therefore auto insurance rates are much higher.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to get insurance coverage price quotes

There are multiple methods to shop for insurance coverage, but one way is less time-consuming than others. You could waste a few hours talking to agents in your area, or you could save time and use online quoting to get the quickest rates.

Many of the larger companies participate in a marketplace that enables customers to submit their information once, and each company then gives them pricing based on that data. This system prevents you from having to do quote forms for every insurance coverage company. To compare pricing click here to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose the insurers to receive prices from. So if you want to select specific providers to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just do your best to enter identical coverage data on every quote. If you enter different liability limits you will not be able to make a fair rate comparison.

Don’t overlook these auto insurance discounts

Some providers don’t necessarily list every possible discount in an easy-to-find place, so below is a list some of the more common and also the lesser-known savings tricks you should be using when you buy car insurance online. If you aren’t receiving every discount possible, you are throwing money away.

  • Professional Organizations – Belonging to qualifying clubs or civic groups may earn a discount on your next renewal.
  • New Car Discount – Buying a new car model can get you a discount compared to insuring an older model.
  • Military Rewards – Being deployed with a military unit can result in better premium rates.
  • 55 and Retired – If you qualify as a senior citizen, you are able to get a small discount on rates on Cooper Coupe insurance.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. Most companies allow this discount up to age 25.
  • No Charge for an Accident – This one is not really a discount per se, but companies like State Farm, Progressive and GEICO will let one accident slide before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and therefore earn up to a 10% discount.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky. But any discount should definitely cut the cost of your policy.

A list of companies and a summarized list of policyholder discounts are included below.

  • State Farm includes discounts for good student, defensive driving training, good driver, anti-theft, multiple autos, and Drive Safe & Save.
  • Progressive may include discounts for continuous coverage, homeowner, online quote discount, good student, online signing, and multi-policy.
  • Travelers has savings for multi-policy, early quote, good student, new car, and multi-car.
  • American Family has discounts for defensive driver, air bags, accident-free, mySafetyValet, and good student.
  • Liberty Mutual may offer discounts for newly married, new graduate, exclusive group savings, new vehicle discount, and good student.

If you are trying to find inexpensive car insurance quotes, ask all the companies which discounts can lower your rates. Savings might not be available to policyholders in every state.

When to get professional advice

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Where can I find high-risk insurance?
  • Am I covered if I hit a deer?
  • Do I need replacement cost coverage on my 2012 MINI Cooper Coupe?
  • Do I need motorclub coverage?
  • Will my insurance pay for OEM parts?
  • Am I better off with higher deductibles on my 2012 MINI Cooper Coupe?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance coverages explained

Knowing the specifics of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like prosthetic devices, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, rock chips in glass, fire damage, a broken windshield and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This coverage will pay to fix damage to your Cooper Coupe resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for liability – Liability coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like legal defense fees, court costs, bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include 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 only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

In Summary

In this article, we covered some good ideas how to save on 2012 MINI Cooper Coupe insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost car insurance. Consumers could even find that the biggest savings come from the least-expected company. They may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

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