Auto Insurance Quotes for a Mini Cooper in Scottsdale

Shocking but true, about 70% of customers renewed their policy with the same company for more than four years, and about 40% of consumers have never quoted auto insurance rates at all. American drivers could pocket up to 46.5% a year by just comparing rate quotes, but they just don’t understand the rate savings if they switched to a more affordable policy.

If you want to save money, the best way to find cheaper car insurance rates in Scottsdale is to regularly compare quotes from companies in Arizona.

First, try to learn about how auto insurance works and the steps you can take to prevent expensive coverage. Many rating criteria that drive up the price like at-fault accidents, speeding tickets, and an unfavorable credit rating can be controlled by making minor changes to your lifestyle.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.

Third, compare the new quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to remember is to try to use the same amount of coverage on every quote request and and to get price quotes from all possible companies. This helps ensure a level playing field and plenty of rates choose from.

Getting a cheaper price on Mini Cooper insurance is surprisingly easy. All you need to do is take a couple of minutes getting comparison quotes from online providers.

The companies in the list below offer price quotes in Scottsdale, AZ. If you wish to find cheap car insurance in AZ, we suggest you visit as many as you can to find the lowest car insurance rates.

Auto insurance is not optional

Even though it’s not necessarily cheap to insure a Mini in Scottsdale, insuring your vehicle may be mandatory for several reasons.

• Most states have mandatory insurance requirements which means the state requires a minimum amount of liability coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your vehicle with a loan, more than likely the lender will require that you buy insurance to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Mini at a much higher premium rate and require you to reimburse them for the much more expensive policy.
• Insurance safeguards not only your Mini but also your financial assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your Mini gets damaged, your auto insurance policy will pay to repair the damage.

The benefits of carrying adequate insurance definitely exceed the price paid, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays as much as $865 each year so shop around every year to make sure the price is not too high.

Mini Cooper insurance coverage information

The price information below covers detailed analysis of insurance coverage prices for Mini Cooper models. Being more informed about how car insurance prices are calculated is important to be able to make smart choices when buying a car insurance policy.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can change auto insurance rates considerably.

Policy deductibles

One common question asked by Scottsdale drivers is where should you set your physical damage deductibles. The following insurance rates help summarize how much more rates are when you select higher and lower coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in your specific Scottsdale location which can decrease or increase coverage prices substantially.

Based on the above data, using a $250 deductible will cost in the ballpark of $13 more each month or $156 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claims, you would more than likely save some money if you decide on a higher deductible.

The chart below demonstrates how deductible levels and can raise or lower Mini Cooper insurance costs for different age groups. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Gender-based auto insurance premiums

The information below shows the difference between Mini Cooper auto insurance rates for male and female drivers. Data assumes no claims or driving citations, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

How much more does full coverage cost?

The chart below illustrates the comparison of Mini Cooper yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

When to buy liability coverage only

There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Mini Cooper replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the deductible is paid. If premiums are more than $200 a year for physical damage coverage, then it could be time to drop full coverage.

There are some cases where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Save money with discounts

Auto insurance is not inexpensive, but there are discounts available that many consumers don’t even know exist. Many discounts should be triggered at the time of purchase, but a few must be inquired about before you get the savings.

• Home Ownership Discount – Owning your own home or condo can save a few bucks since home ownership requires personal responsibility.
• Waiver for an Accident – This one is not really a discount per se, but some insurance companies may permit one accident before your rates go up as long as you don’t have any claims for a specific time period.
• Drivers Education – Have your child successfully take a driver’s education course if it’s offered in school.
• Theft Deterrent – Cars with anti-theft systems can help prevent theft and earn discounts up to 10% off your Scottsdale car insurance quote.
• Include Life Insurance and Save – Some insurance companies give a lower premium rate if you buy life insurance.
• Anti-lock Brakes – Cars and trucks with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
• Active Service Discounts – Being deployed with a military unit could be rewarded with lower auto insurance rates.
• Driver Training Discounts – Taking a class that teaches defensive driving techniques could possibly earn you a 5% discount and also improve your driving technique.
• Good Student Discount – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• No Claim Discounts – Insureds with no claims or accidents get the best auto insurance rates when compared with accident-prone drivers.

As a footnote on discounts, most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works. But all discounts will lower your policy premium.

The example below compares Mini Cooper annual premium costs with and without discounts applied. The premiums assume a male driver, no accidents or driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

For a list of providers that offer discounts in Arizona, click this link.

What is the best auto insurance coverage?

When quoting and choosing coverage for your vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.
For example, these questions can help discover if your insurance needs would benefit from professional advice.

• Should I rate my vehicle as business use?
• When should I not file a claim?
• Is my dog or cat covered if injured in an accident?
• Does coverage extend to Mexico or Canada?
• Is my business laptop covered if it gets stolen from my vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Is my camper covered for physical damage?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.