Are you looking for low-cost Mini Cooper insurance in Fort Collins? Are you drained from trying to scrape together enough money to pay auto insurance each month? You're in the same situation as the majority of other consumers in Colorado.

Insurance rates Mini Cooper in Fort CollinsSad but true, about 70% of customers have stayed with the same insurance company for well over three years, and about 40% of consumers have never compared rates to find cheaper insurance. American drivers could save almost $859 a year by just shopping around, but they just don't understand the large savings they would see if they switched.

Consumers have multiple insurance companies to insure vehicles with, and although it's nice to have multiple companies, too many choices makes it more difficult to find a good deal for Mini Cooper insurance in Fort Collins.

The Mini Cooper Insurance Cost Equation

Lots of things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are not quite as obvious like your continuous coverage or your financial responsibility.

Type of car determines base costs - The type of vehicle you own makes a huge difference in your car insurance bill. The lowest rates are for lower cost passenger cars, but many other things help determine your insurance rates. Due to the fact that the Mini Cooper is classified as a compact car, rates will be the same to a little lower as compared to the average rate in Fort Collins.

Poor credit score equals high premiums - Having a good credit history is a large factor in determining what you pay for insurance. People with very high credit ratings tend to be less risk to insure than drivers who have bad credit. If your credit history is lower than you'd like, you could potentially save money when insuring your Mini Cooper by improving your rating.

Remove unneeded extra policy coverages - There are a lot of additional extra coverages that can waste your money but may not be useful. Insurance for things like rental car reimbursement, towing, and term life insurance are some examples. They may seem good when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.

Advanced GPS tracking and theft deterrents - Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.

Your liability limits - Liability coverage will protect you if ever you are found liable for an accident. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Insurance loss data for a Mini Cooper - Companies analyze historical claim data to help determine the rate you pay. Vehicles that the statistics show to have higher frequency or amount of claims will have increased rates.

The table below illustrates the collected loss data for Mini Cooper vehicles. For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Percentages below 100 indicate better than average losses, while values over 100 indicate more frequent losses or statistically larger claims.

Mini Cooper Insurance Loss Statistics

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Mini Cooper 92 72 114 74 74 85
Mini Cooper Convertible 80 72 100 57
Mini Cooper Coupe 72 60
Mini Cooper Roadster Convertible 57 50 78
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

When looking for affordable Mini Cooper insurance quotes, there are a couple ways to compare prices from local Fort Collins auto insurance companies. One of the best ways to lower the rate you pay for insurance is simply to get online rate quotes.

Getting free quotes online is quite simple, and it makes it obsolete to spend time driving to insurance agencies in your area. Quoting and buying Mini Cooper insurance online eliminates the need for an insurance agent unless your situation requires the trained guidance that can only be provided by a licensed insurance agent. It is possible to get the lowest quotes online but have a local agent actually write the policy.

When comparing auto insurance rates, know that comparing all the rates in your area increases the chance that you will find more affordable rates.

The companies in the list below are ready to provide quotes in Colorado. If multiple companies are shown, we recommend you visit as many as you can to get the best price comparison.

Mini Cooper Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $144 $282 $314 $18 $94 $852 $71
Cooper 2-Dr Convertible $200 $340 $238 $14 $72 $864 $72
Cooper S 2-Dr Hatchback $170 $360 $280 $16 $84 $910 $76
Cooper S 2-Dr Convertible $310 $592 $238 $14 $72 $1,226 $102
Cooper John Cooper Works 2-Dr Hatchback $214 $426 $338 $20 $102 $1,100 $92
Cooper John Cooper Works 2-Dr Convertible $270 $490 $236 $14 $70 $1,080 $90
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in your specific Fort Collins location which can increase or decrease prices significantly.

Deductible comparison

The information below illustrates how your choice of deductibles and can increase or decrease Mini Cooper annual premium costs for each age group. The information is based on a married male driver, comp and collision included, and no discounts are applied.

Insurance does more than just protect your car

Even though Fort Collins Cooper insurance rates can get expensive, maintaining insurance serves an important purpose.

The benefits of insuring your Cooper more than cancel out the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying over $750 every year so you should quote rates at every policy renewal to save money.

Cheap Fort Collins insurance quotes with discounts

Some companies do not advertise the entire discount list very well, so the following list contains some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Fort Collins auto insurance online.Cheaper insurance with discounts

Don't be shocked that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way.

The best insurance companies and their offered discounts can be found below.

When quoting, ask every company how you can save money. Savings may not apply everywhere. For a list of companies offering insurance discounts in Colorado, click this link.

Local Fort Collins insurance agents and auto insurance

Many drivers just prefer to sit down with an agent and we recommend doing that The best thing about getting free rate quotes online is you can get cheap auto insurance quotes and also buy local.

Insurance agency in Fort CollinsAfter filling out this form (opens in new window), your coverage information gets sent to insurance agents in Fort Collins who will give competitive quotes to get your business. It's much easier because you don't need to search for any insurance agencies due to the fact that quote results will go straight to your inbox. You can find better rates without a big time investment. If for some reason you want to get a comparison quote from a specific company, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Selecting an insurance company shouldn't rely on just a cheap price quote. Here are some questions you should ask.

What insurance coverages do I need?

Keep in mind that when it comes to choosing a policy, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.Safe vehicles cost less to insure

For instance, these questions may help you determine if your insurance needs might need professional guidance.

If you can't answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Quote more and you will save more

There are still a few companies who may not offer price quotes online and these smaller companies prefer to sell through independent agents. Discount Mini Cooper insurance can be bought both online and also from your neighborhood Fort Collins agents, so you should be comparing quotes from both so you have a total pricing picture.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, delays in paying claims, delays in responding to claim requests and even lack of trust in their agent. Regardless of your reason for switching companies, switching companies is less work than it seems.

In this article, we presented some good ideas how you can lower your Mini Cooper insurance car insurance rates in Fort Collins. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest car insurance rates come from some of the smallest insurance companies.

Additional insurance information is located on the following sites: