Have you fallen victim to high-priced car insurance? Believe me, you’re not the only one.
With so many car insurance companies to choose from, it can be challenging to locate the most affordable company.
You need to check car insurance prices every six months because prices change quite often. If you had the best deal on Cooper coverage a few years ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to find out the best methods to find better coverage at a better price.
Car Insurance Prices Online
All the larger car insurance companies allow you to get prices for coverage on their websites. Getting online quotes is quite easy as you simply type in the amount of coverage you want as requested by the quote form. After you complete the form, their system collects your driving and credit reports and provides a quote. Being able to quote online makes it a lot easier to compare rates but the work required to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for a lower rate.
There is a better way to compare rates
The smarter way to find cheaper rates uses one simple form to get prices from several companies at one time. It saves time, eliminates form submissions, and makes quoting online much easier to do. Once the form is submitted, your coverage is rated and you can select any or none of the returned quotes.
If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.
To save time and find out what other companies charge, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you type in identical to your current policy. Using the same limits helps guarantee you will have a rate comparison based on identical coverages.
Can you really save $451 a year?
Car insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. They all have a common claim that you can save if you switch your coverage to them. How does each company claim to save you money?
Insurance companies are able to cherry pick for the type of customer that is profitable for them. An example of a driver they prefer could be over the age of 50, a clean driving record, and drives newer vehicles. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when switching.
Potential customers who do not match these standards will have to pay a higher premium and this can result in the customer not buying. The ad wording is “customers that switch” not “people who quote” save money. This is how companies can make the claims of big savings.
Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s impossible to know which company will give you the biggest savings.
Policy discounts you shouldn’t miss
The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few need to be specifically requested before you will receive the discount.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
- Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
- New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
- Fewer Miles Equal More Savings – Keeping the miles down on your Mini can qualify you for a substantially lower rate.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Distant Student – Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.
For a list of insurance companies who offer car insurance discounts, click here to view.
Insurance agents can help
When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs will benefit from professional help.
- Do I pay less if my vehicle is kept in my garage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I need added coverage for expensive stereo equipment?
- Should I rate my Mini Cooper as pleasure use or commute?
- Do I really need UM/UIM coverage?
- When should I remove comp and collision on my Mini Cooper?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered if I drive in a foreign country?
- Can I drive in Mexico and have coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
In the end, you save
As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford.
We just presented many ideas to shop for Mini Cooper insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the lesser-known companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.
