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MINI Cooper Insurance Rates

Drivers have lots of options when insurance shopping for your MINI vehicle. You can buy direct from a local agent or price shop online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do, plus you might just save a little.

Finding the best direct price on car insurance can be difficult if you have never used quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The easiest way to compare Cooper insurance cost is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by...

Auto insurance rates paid to insure a MINI Cooper can be significantly different subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • How many accidents you have had
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Young drivers cost more
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • The amount of protection requested
  • Home ownership saves money

A final factor which can affect Cooper insurance rates is the model year. Models that are a few years old have a lower value in comparison to older models so the costs to repair can decrease annual premiums. But more recent MINI vehicles may have a trim level with safety features including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Cooper from the list below.

Auto liability - Cooper liability coverage will cover damage or injury you incur to a person or their property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision - This will pay to fix damage to your MINI from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage - This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your MINI Cooper comprehensive insurance. The highest amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are MINI Cooper Insurance Rates?