Save Big on Mini Car Insurance

Unfortunately, Mini car insurance doesn’t always come with a mini price tag. However, there are a few quick and easy ways you can save money on your mini car insurance premiums.

Owning a Mini, unfortunately, does not automatically give you mini car insurance premiums. Most Mini Cooper models are actually in the middle of the pack with regards to car insurance rates. You could expect to pay anywhere from $1000 to $3000 a year to cover your mini depending on what state you live in and what type of policy you choose. Mini Coopers don’t make any list of cheapest vehicles to insure, however, they won’t many any most expensive to insure lists either.

Mini Cooper S Car Insurance

The Mini Cooper S is the sport model which makes it more susceptible to theft and collision in the eyes of the car insurance companies. Seeing as how small a Mini Cooper is, getting in a head to head accident could literally tear this little car up if it goes up against the behemoth SUVs that litter the highway. This risk for the car insurance companies ends up costing you more money in premiums in the long run. Fortunately, there are a few simple ways you can save money on your mini car insurance.

How to Save Big on Mini Car Insurance

  • Drive Less - If you only take your mini out on the weekends and have a way to prove you are driving less you can actually contact your car insurance company to get a reduced rate on your insurance. This varies significantly from company to company though as some companies won’t give you a discount based on mileage.
  • Take Advantage of Discounts - There are many discounts you can take advantage of to save money on your mini car insurance. If you are a student, getting good grades can save you big. If you are a homeowner, combining your home and auto insurance will provide a discount. You may also be able to take defensive driving courses to save money depending on what car insurance company you are working with.
  • Increase Deductibles - The quickest and easiest way to save money on your mini car insurance is to raise the deductibles. Deductibles are the amount you are required to pay in the event of an accident. You should only raise your deductibles to an amount you would be comfortable paying in the event of an accident.
  • Skip Comprehensive Coverage - If you don’t park your mini under a tree or live in an area prone to hail storms you can probably skip comprehensive coverage. Unfortunately, if you are financing your vehicle comprehensive insurance may be required.