Would you like to save money by finding the cheapest Mini Cooper insurance in Phoenix? I really doubt anyone enjoys paying for insurance, especially when they know the cost is too high.
Sad but true, the vast majority of insurance customers have stayed with the same insurance company for four years or more, and virtually 40% of consumers have never even compared quotes to find cheap rates. The average driver in Phoenix could save $733 each year by just comparing quotes, but they feel it’s too difficult to compare rate quotes online. Many insurers compete for your business, and because of this it can be hard to compare insurance companies and get the definite lowest price on Mini Cooper insurance in Phoenix.
You should take the time to get comparison quotes on a regular basis due to the fact that insurance prices change frequently. Just because you had the best deal on Mini Cooper insurance in Phoenix at your last renewal you will most likely find a better rate quote today. Ignore everything you know about insurance because you’re going to get a crash course in the best methods to reduce your cost while increasing coverage.
Reducing your insurance rates can be quick and easy. All that’s required is to take a few minutes comparing price quotes from some recommended companies.
It’s so fast and easy to compare quotes online that it replaces the need to make phone calls or go to and from local Phoenix insurance agencies. The ability to get quotes online makes this unnecessary unless you prefer the trained guidance only provided by licensed Phoenix agents. Although, it is possible get prices online and get advice from an agent in your area.
The car insurance companies shown below are ready to provide price comparisons in Arizona. If several companies are displayed, it’s highly recommended you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $222 | $456 | $268 | $16 | $80 | $1,042 | $87 |
| Cooper 2-Dr Convertible | $140 | $282 | $240 | $14 | $72 | $748 | $62 |
| Cooper S 2-Dr Hatchback | $124 | $284 | $268 | $16 | $80 | $772 | $64 |
| Cooper S 2-Dr Convertible | $166 | $316 | $190 | $12 | $56 | $740 | $62 |
| Cooper John Cooper Works 2-Dr Hatchback | $228 | $466 | $244 | $14 | $74 | $1,026 | $86 |
| Cooper John Cooper Works 2-Dr Convertible | $254 | $538 | $190 | $12 | $56 | $1,050 | $88 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can change prices noticeably.
Rate difference between full and liability-only coverage
The diagram below shows the difference between Mini Cooper insurance rates when comparing full coverage to liability only. The premiums are based on no claims or violations, $1,000 deductibles, single female driver, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no set rule of when to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Mini Cooper book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying your deductible. If premium cost is more than $500 a year to have full coverage, then you might consider buying liability only.
There are a few cases where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Auto insurance prices based on gender
The diagram below compares Mini Cooper insurance prices for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied.
Irresponsible driving raises your rates
The illustration below shows how speeding tickets and at-fault fender-benders impact Mini Cooper car insurance rates for each age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Compare rate quotes but still have a local neighborhood Phoenix car insurance agent
Certain consumers just prefer to buy from a licensed agent and that is OK! Insurance agents can help you build your policy and help file insurance claims. A good thing about comparing insurance online is that you can obtain cheap insurance quotes but also keep your business local.
To find an agent, once you fill out this short form, the quote information is sent to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go to your email. If for some reason you want to get a price quote from a particular provider, you would need to search and find their rate quote page and complete a quote there.
Finding the right company should include more criteria than just the bottom line cost. Ask your prospective agent these questions:
- Will a damage claim use OEM or aftermarket replacement parts?
- Are they full-time agents?
- Do they specialize in personal lines auto insurance in Phoenix?
- Will one accident increase rates?
- Are you getting all the discounts the company offers?
- What insurance companies do they recommend if they are an independent agent?
Two types of auto insurance agents
If you are searching for a good insurance agency, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Phoenix can be categorized as either exclusive or independent (non-exclusive). Both types can handle insurance, but it’s a good idea to understand the difference between them because it may have an impact on the selection process.
Exclusive Insurance Agents
Agents of this type can only place business with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to compare rates from other companies so always compare other rates. Exclusive insurance agents are highly trained on the products they sell which helps overcome the inability to quote other rates.
Below are Phoenix exclusive insurance agents who can help you get rate quotes.
GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
Andra Jeffress – State Farm Insurance Agent
1704 W Bethany Home Rd – Phoenix, AZ 85015 – (602) 249-1037 – View Map
Independent Agencies or Brokers
These agents are not restricted to one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If they find a cheaper price, your agent can just switch to a different company and you don’t have to switch agencies. When comparing insurance rates, you will want to contact at least one independent agent to ensure the widest selection of prices.
Shown below are Phoenix independent insurance agencies willing to provide comparison quotes.
Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map