Finding better insurance prices for a Mini Cooper in Texas can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for your Mini and obtain the cheapest rates from both online companies and Austin agents.
You should take the time to do price comparisons before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rate on Mini Cooper insurance in Austin at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out the quickest way to eliminate unnecessary coverages and save money on Mini Cooper insurance in Austin.
Companies offering Mini Cooper insurance in Austin
The companies in the list below are ready to provide comparison quotes in Texas. If several companies are displayed, it’s a good idea that you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $174 | $352 | $422 | $24 | $126 | $1,098 | $92 |
| Cooper 2-Dr Convertible | $282 | $580 | $264 | $16 | $80 | $1,222 | $102 |
| Cooper S 2-Dr Hatchback | $156 | $378 | $366 | $22 | $110 | $1,032 | $86 |
| Cooper S 2-Dr Convertible | $210 | $400 | $242 | $14 | $72 | $938 | $78 |
| Cooper John Cooper Works 2-Dr Hatchback | $232 | $462 | $340 | $20 | $102 | $1,156 | $96 |
| Cooper John Cooper Works 2-Dr Convertible | $354 | $828 | $284 | $16 | $86 | $1,568 | $131 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in Austin location which can alter coverage prices significantly.
Illustration showing the impact of accidents and violations
The illustration below shows how traffic citations and at-fault claims impact Mini Cooper yearly insurance costs for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Policy deductibles
When comparing auto insurance rates, the most common question is which deductible level should you buy. The following tables highlight the rate fluctuation of buying low and high comp and collision deductibles. The first data set uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Cooper 2-Dr Convertible | $294 | $496 | $252 | $14 | $76 | $1,157 | $96 |
| Cooper S 2-Dr Hatchback | $294 | $584 | $324 | $20 | $96 | $1,343 | $112 |
| Cooper S 2-Dr Convertible | $332 | $584 | $252 | $14 | $76 | $1,283 | $107 |
| Cooper John Cooper Works 2-Dr Hatchback | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Cooper John Cooper Works 2-Dr Convertible | $370 | $672 | $252 | $14 | $76 | $1,409 | $117 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Cooper 2-Dr Convertible | $182 | $312 | $252 | $14 | $76 | $836 | $70 |
| Cooper S 2-Dr Hatchback | $182 | $368 | $324 | $20 | $96 | $990 | $83 |
| Cooper S 2-Dr Convertible | $206 | $368 | $252 | $14 | $76 | $916 | $76 |
| Cooper John Cooper Works 2-Dr Hatchback | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Cooper John Cooper Works 2-Dr Convertible | $228 | $424 | $252 | $14 | $76 | $994 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can change coverage rates substantially.
Based on these figures, using a $250 deductible costs about $30 more each month or $360 a year than opting for the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 25 months between claim filings, you would probably come out ahead if you decide on a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $1,000 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
An important thing to remember is that a higher deductible level means you will have to pay more out-of-pocket when you have a claim. You need to make sure you have enough money put aside in the event you need to pay more for the deductible.
These discounts can slash Mini Cooper insurance rates
Companies offering auto insurance do not list every discount very clearly, so here is a list a few of the more common as well as some of the hidden ways to save on insurance.
- Student in College – Older children who live away from home at college and don’t have a car may qualify for this discount.
- Driver Education Discount – Require your teen driver to successfully complete driver’s ed class in high school.
- Membership in Organizations – Participating in specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
- One Accident Forgiven – Not really a discount, but a few companies such as Allstate and GEICO will turn a blind eye to one accident without raising rates if you have no claims for a set time period.
- Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of more than 20%.
- Early Switch Discount – A few companies offer discounts for switching companies prior to the expiration date on your current Cooper insurance policy. You could save around 10% when you buy Austin auto insurance online.
- Paperless Signup – Some of the larger companies give back up to $50 simply for signing on the internet.
- Save with a New Car – Buying a new car model can cost up to 25% less due to better safety requirements for newer vehicles.
- No Claim Discounts – Good drivers with no accidents have much lower rates in comparison with drivers who are more careless.
Consumers should know that some of the credits will not apply to the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.
To find companies who offer cheap Mini Cooper insurance quotes in Austin in Austin, click this link.
When in doubt talk to an agent
When selecting the right insurance coverage, there really isn’t a one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect that For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- Will my rates increase for filing one claim?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Can my teen driver be rated on a liability-only vehicle?
- Does my policy pay for OEM or aftermarket parts?
- If my car is totalled with they pay enough to replace it?
- What are the financial responsibility laws in my state?
- Is a new car covered when I drive it off the dealer lot?
- Do I need special endorsements for business use of my vehicle?
- What discounts do I qualify for?
- Does liability extend to a camper or trailer?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Local Austin auto insurance agents
Some consumers just prefer to buy from a local agent and that is not a bad decision Licensed agents are trained risk managers and give you someone to call. One of the best bonuses of comparing rate quotes online is that you can find the lowest rates and still choose a local agent.
After completing this form (opens in new window), your information is transmitted to agents in your area that can give you free Austin auto insurance quotes for your business. You never need to search for an agent because quoted prices will be sent to you instantly. If you need to compare rates from a specific insurance company, you would need to visit that company’s website and fill out their quote form.
Finding the right provider should depend on more than just the price. These are valid questions to ask:
- Do they specialize in personal lines coverage in Austin?
- If you are a high risk driver, do they have special markets for your coverage?
- What kind of financial rating does the company have?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can you get a list of referrals?
- Where would glass claims be handled in Austin?
- What discounts might you be missing?
- What insurance companies do they recommend if they are an independent agent?
When searching for a local Austin insurance agent, there are a couple of different types of agencies that you can choose from. Agencies in Austin can be categorized as either exclusive or independent. Either can handle car insurance, but we need to point out why they differ because it may have an impact on which agent you choose.
Exclusive Insurance Agents
Exclusive agents work for only one company and some examples include American Family, State Farm, and AAA. They are unable to compare rates from other companies so they have no alternatives for high prices. They are well trained in insurance sales which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent primarily because of the brand rather than having the cheapest rates.
Listed below is a short list of exclusive agencies in Austin that can give you price quote information.
- Dick Cohalla – State Farm Insurance Agent
10711 Burnet Rd #102 – Austin, TX 78758 – (512) 837-4210 – View Map - Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map - David Simmons – State Farm Insurance Agent
1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825 – View Map
Independent Car Insurance Agencies
Independent agents do not have single company limitations and that is an advantage because they can write policies with an assortment of companies depending on which coverage is best. To move your coverage to a new company, your policy is moved internally and you don’t have to do anything.
When searching for an agent, we recommend you get quotes from at least one independent agent to maximize your price options. Many can place coverage with less well-known companies which may have better rates.
Below are Austin independent agents that can give you price quote information.
- Dean Davis Insurance Agency
7950 Anderson Square Suite 101 – Austin, TX 78757 – (512) 454-4511 – View Map - Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map - EZ Insurance Agency
343 S Congress Ave – Austin, TX 78704 – (512) 444-3279 – View Map
Does car insurance advertising bend the truth?
Consumers can’t get away from all the ads that claim the best prices from companies such as State Farm, GEICO and Progressive. All the ads try to convey promises about savings just by switching your policy.
How is it possible that every company can charge you a lower premium?
Different companies give the cheapest rates for the right customer they prefer to insure. A good example of a profitable insured should be over the age of 50, has no driving citations, and drives a car with an anti-theft system. Someone that meets those criteria receives the best rates in Austin and will also save a lot of money.
Insureds who do not fit the requirements will probably have to pay a higher rate which leads to business not being written. The trick is to say “drivers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully state the savings. Because of this risk profiling, you need to quote coverage with many companies. It is just not possible to predict which company will give you the biggest savings.
Compare auto insurance prices regularly to save
You just learned quite a bit of information on how to lower your Mini Cooper insurance premium rates in Austin. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.
Some insurance companies may not have the ability to get quotes online and many times these smaller providers work with local independent agencies. Affordable Mini Cooper insurance in Austin can be purchased from both online companies and also from your neighborhood Austin agents, so compare prices from both so you have a total pricing picture.
Additional auto insurance information is located below:
- Vehicle Insurance in the U.S. (Wikipedia)
- How Much are Auto Insurance Quotes for a Company Car in Austin? (FAQ)
- How Much are Auto Insurance Rates for Drivers Over Age 60 in Austin? (FAQ)
- Auto Insurance Learning Center (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)