Want to know an easy way to compare the cheapest Mini Cooper insurance in Seattle? Online rate comparisons for affordable Mini Cooper insurance rates in Seattle might seem complicated at first if you are like most people and have never completed online rate quotes. But don’t surrender to high rates because we’re going to show you how to find cheap Mini Cooper in Seattle.
A recent insurance study discovered that a large majority of drivers have stayed with the same insurance company for at least the last four years, and nearly 40% of drivers have never even compared quotes to find lower-cost rates. American drivers can cut their rates by up to 46.5% a year just by shopping around, but they don’t believe how much savings they would realize if they switch to a new company.
It’s a great practice to compare premium rates at least once a year because insurance rates change frequently. Despite the fact that you may have had the best rate on Mini Cooper insurance in Seattle two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money on Mini Cooper insurance in Seattle.
Companies offering Mini Cooper insurance in Seattle
The providers in the list below provide comparison quotes in Seattle, WA. If the list has multiple companies, it’s highly recommended you compare 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 | $282 | $564 | $338 | $20 | $102 | $1,306 | $109 |
| Cooper 2-Dr Convertible | $246 | $448 | $198 | $12 | $60 | $964 | $80 |
| Cooper S 2-Dr Hatchback | $208 | $416 | $258 | $16 | $78 | $976 | $81 |
| Cooper S 2-Dr Convertible | $274 | $610 | $252 | $14 | $76 | $1,226 | $102 |
| Cooper John Cooper Works 2-Dr Hatchback | $136 | $278 | $264 | $16 | $78 | $772 | $64 |
| Cooper John Cooper Works 2-Dr Convertible | $174 | $376 | $236 | $14 | $70 | $870 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific location information which can affect prices greatly.
An analysis of deductible level
The illustration below demonstrates how deductibles and can impact Mini Cooper insurance premiums for each different age group. The rate quotes are based on a married female driver, full coverage, and no policy discounts are applied.
Choosing deductibles
One frequently asked question is how high should the physical damage coverage deductibles be. The figures shown below can help you understand the cost difference when you select higher and lower deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $228 | $384 | $250 | $14 | $76 | $977 | $81 |
| Cooper 2-Dr Convertible | $228 | $384 | $194 | $12 | $58 | $901 | $75 |
| Cooper S 2-Dr Hatchback | $228 | $452 | $250 | $14 | $76 | $1,045 | $87 |
| Cooper S 2-Dr Convertible | $258 | $452 | $194 | $12 | $58 | $999 | $83 |
| Cooper John Cooper Works 2-Dr Hatchback | $258 | $452 | $250 | $14 | $76 | $1,075 | $90 |
| Cooper John Cooper Works 2-Dr Convertible | $286 | $520 | $194 | $12 | $58 | $1,095 | $91 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $140 | $242 | $250 | $14 | $76 | $722 | $60 |
| Cooper 2-Dr Convertible | $140 | $242 | $194 | $12 | $58 | $646 | $54 |
| Cooper S 2-Dr Hatchback | $140 | $284 | $250 | $14 | $76 | $764 | $64 |
| Cooper S 2-Dr Convertible | $158 | $284 | $194 | $12 | $58 | $706 | $59 |
| Cooper John Cooper Works 2-Dr Hatchback | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Cooper John Cooper Works 2-Dr Convertible | $176 | $328 | $194 | $12 | $58 | $768 | $64 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific Seattle garaging location which can increase or decrease prices considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $24 more each month or $288 for a full year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 31 months between claims, you would save more money if you elect the higher deductible.
Don’t neglect these discounts on Mini Cooper insurance in Seattle
Properly insuring your vehicles can get expensive, but there may be some discounts that could help you make your next renewal payment. A few discounts will automatically apply when you purchase, but a few must be manually applied prior to receiving the credit. If you are not receiving all the discounts available, you’re paying more than you need to.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy some life insurance in addition to your auto policy.
- Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Own a Home – Just owning your own home may trigger a policy discount on car insurance since home ownership shows financial diligence.
- Payment Method – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
- Paper-free Discount – Some of the larger companies provide a small discount for buying a policy and signing up on the internet.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
One last thing about discounts, most credits do not apply to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.
To find companies who offer car insurance discounts in Washington, click this link.
Lower Your Seattle Insurance Costs
When buying insurance it’s important to understand a few of the rating criteria that help determine the level of your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that may reward you with cheaper rates.
Shown below are some of the major factors used by companies to determine rates.
Vehicle theft costs us all – Choosing a vehicle with a theft deterrent system can help bring down rates. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.
Mature drivers pay less – Teenage drivers in Washington are known to be inattentive in a vehicle and because of this, their insurance rates are much higher. Adding a first-time driver to your policy can really hurt. Older drivers are more responsible, are lower risk to insure, and get fewer tickets.
Discounts for married couples – Walking down the aisle helps lower the price on insurance. Marriage generally demonstrates drivers are more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
Don’t let your insurance policy lapse – Having an insurance coverage lapse is a guaranteed way to increase your rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a license revocation or jail time.
Insurance loss data for Mini Cooper vehicles – Insurers use statistical claims data to help calculate premium rates. Models that are shown to have higher losses will cost more to insure. The table below shows the actual insurance loss data for Mini Cooper vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
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 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
How to know if you need help
When choosing proper insurance coverage, there is no single plan that fits everyone. You are unique.
These are some specific questions can help discover whether your personal situation might need professional guidance.
- Will I be non-renewed for getting a DUI or other conviction?
- How high should my uninsured/underinsured coverage be in Washington?
- Is my camper covered by my car insurance policy?
- Am I covered if I hit a deer?
- How much liability do I need to cover my assets?
- Is my state a no-fault state?
- How does medical payments coverage work?
- Does coverage extend to a rental car in a foreign country?
- How much will a speeding ticket raise my rates?
- Am I covered if I have no license?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.
Do I need a local insurance agent?
Some consumers just want to go talk to an agent and that is a smart decision An additional benefit of getting online price quotes is that you can obtain better rates and still choose a local agent.
Upon completion of this simple form, your information is instantly submitted to companies in Seattle who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent as quotes are delivered straight to your inbox. Get lower rates AND a local agent. If you need to compare rates from a specific insurance company, you just need to navigate to their website and complete a quote there.
Choosing the best insurance company should depend on more than just the quoted price. The questions below may impact your decision as well.
- Do they carry Errors and Omissions coverage?
- Which insurance companies are they affiliated with?
- What company holds the largest book of business for them?
- Is auto insurance their primary focus in Seattle?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they see any coverage gaps in your plan?
- How experienced are they in personal risk management?
Best auto insurance agent in Seattle
When finding a reputable agency, you should know the types of insurance agents and how they are distinctly different. Auto insurance agents in Seattle are either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Exclusive insurance agents can only quote rates from one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agencies are trained well in insurance sales which helps overcome the inability to quote other rates. Consumers sometimes use the same exclusive agent mainly due to the prominence of the brand and solid financial strength.
Shown below is a list of exclusive agents in Seattle that can give you price quote information.
- Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528 – View Map - Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map - Sheila Burrus – State Farm Insurance Agent
1115 N Northgate Way – Seattle, WA 98133 – (206) 364-2210 – View Map
Independent Agents
These type of agents are not locked into one company so they can write business with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, they simply switch companies in-house and you don’t have to find a new agent.
If you are comparing rate quotes, you definitely need to include price quotes from at a minimum one independent agency in order to compare the most rates. Many independent agencies also insure through smaller mutual companies that may provide cheaper auto insurance rates.
Below are independent agencies in Seattle willing to provide rate quotes.
- Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216 – View Map - Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map - Secord Agency Insurance
265 NE 45th St – Seattle, WA 98105 – (206) 783-4024 – View Map
Cheaper insurance is a realistic goal
Cost effective Mini Cooper insurance is possible from both online companies as well as from independent agents in Seattle, and you should compare rates from both to get a complete price analysis. A few companies do not offer internet price quotes and these smaller providers work with independent agencies.
Throughout this article, we presented a lot of tips how to lower your Mini Cooper insurance premium rates in Seattle. 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 most savings is with an unexpected company.
As you prepare to switch companies, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage only to find out that it was a big error on their part. Your goal should be to buy enough coverage at the best price but still have enough coverage for asset protection.
Additional detailed information is located in the articles below:
- Property Damage Coverage (Liberty Mutual)
- How Much are Seattle Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Auto Insurance Facts and Statistics (Insurance Information Institute)