Do you want low-cost Mini Cooper insurance in Santa Ana? Finding cheaper insurance for your Mini Cooper in California can normally be a lot of work, but you can learn these tips to find lower rates.
There are both good and bad ways to shop for insurance and we'll show you the proper way to quote coverages for a Mini and find the best price possible either online or from Santa Ana insurance agents.
Insurance rate breakdown
The rate information shown next showcases estimates of insurance coverage prices for Mini Cooper models. Learning more about how car insurance prices are formulated can aid in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $422 | $844 | $508 | $30 | $152 | $1,956 | $163 |
| Cooper 2-Dr Convertible | $422 | $844 | $394 | $24 | $118 | $1,802 | $150 |
| Cooper S 2-Dr Hatchback | $422 | $996 | $508 | $30 | $152 | $2,108 | $176 |
| Cooper S 2-Dr Convertible | $476 | $996 | $394 | $24 | $118 | $2,008 | $167 |
| Cooper John Cooper Works 2-Dr Hatchback | $476 | $996 | $508 | $30 | $152 | $2,162 | $180 |
| Cooper John Cooper Works 2-Dr Convertible | $530 | $1146 | $394 | $24 | $118 | $2,212 | $184 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can impact premium rates significantly.
Comparison of policy deductibles
When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The following tables determine the rate difference when you buy lower versus higher policy deductibles. The first table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Cooper 2-Dr Convertible | $342 | $576 | $292 | $18 | $88 | $1,341 | $112 |
| Cooper S 2-Dr Hatchback | $342 | $678 | $376 | $22 | $112 | $1,555 | $130 |
| Cooper S 2-Dr Convertible | $386 | $678 | $292 | $18 | $88 | $1,487 | $124 |
| Cooper John Cooper Works 2-Dr Hatchback | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| Cooper John Cooper Works 2-Dr Convertible | $430 | $780 | $292 | $18 | $88 | $1,633 | $136 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Cooper 2-Dr Convertible | $278 | $464 | $292 | $18 | $88 | $1,140 | $95 |
| Cooper S 2-Dr Hatchback | $278 | $546 | $376 | $22 | $112 | $1,334 | $111 |
| Cooper S 2-Dr Convertible | $314 | $546 | $292 | $18 | $88 | $1,258 | $105 |
| Cooper John Cooper Works 2-Dr Hatchback | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Cooper John Cooper Works 2-Dr Convertible | $348 | $630 | $292 | $18 | $88 | $1,376 | $115 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify coverage prices noticeably.
Based on these figures, using a $250 deductible will cost you approximately $19 more each month or $228 for a full year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 13 months between claim filings, you would most likely save money if you opt for a higher deductible.
Drive safe and save
The chart below demonstrates how citations and accidents can affect Mini Cooper insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
How do Insurance Providers Determine Mini Cooper Insurance Rates?
Consumers need to have an understanding of some of the things that help calculate car insurance rates. When you understand what impacts premium levels, this helps enable you to make changes that could result in lower rates. Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are less apparent like your continuous coverage and annual miles driven.
No policy lapses saves money - Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance will get you a revoked license or a big fine.
Marriage can lower rates - Walking down the aisle actually saves money when buying car insurance. Marriage usually means you are more mature and it's statistically proven that married couples file fewer claims.
Save money by eliminating extra policy coverages - Policies have optional add-on coverages that you can get tricked into buying on your car insurance policy. Coverages like rental car coverage, death and dismemberment, and membership fees are examples of these. The coverages may be enticing when buying your policy, but if they're wasting money eliminate them to save money.
Optional features impact prices - Selecting a car model that has an advanced theft prevention system can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
Driver age impacts prices - Older insureds are shown to be more cautious, are lower risk to insure, and receive fewer citations. Youthful drivers are proven to be easily distracted when driving therefore car insurance rates are much higher.
The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Do women or men drive better? - Over time, data shows that men are more aggressive behind the wheel. It does not mean females are better at driving than males. Men and women get in at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like DUI and reckless driving. Males from age 16 to 21 cause the most accidents and therefore are the most expensive to insure.
The example below shows the difference between Mini Cooper insurance premiums for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.
Occupation impacts rates - Careers like military generals, airline pilots, and dentists generally pay the highest average rates in part from intense work-related stress and incredibly demanding work hours. Other careers such as scientists, students and homemakers pay the least.
Too many insurance claims drive up premiums - Companies in California provide lower rates to policyholders that do not abuse their auto insurance. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended for claims that you cannot pay yourself.
Insurance losses for a Mini Cooper - Companies analyze the history of losses to help set a rate to offset losses. Models that statistically have high amounts or severity of claims will have a higher premium rate. The information below illustrates the loss history for Mini Cooper vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Percentages below 100 are indicative of better than average losses, while numbers that are greater than 100 point to more frequent losses or a tendency for claims to be larger.
| 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Ratings for Santa Ana car insurance companies
Finding a highly-rated insurance provider is hard considering how many companies there are in Santa Ana. The company rank data listed below may help you choose which coverage providers you want to consider buying from.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Santa Ana Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Don't give up on cheaper premiums
Cheap Mini Cooper insurance in Santa Ana is possible on the web as well as from independent agents in Santa Ana, so you need to quote Santa Ana car insurance with both in order to have the best chance of saving money. Some insurance providers may not have online rate quotes and these regional carriers only sell through local independent agents.
People change insurance companies for a variety of reasons including denial of a claim, being labeled a high risk driver, poor customer service or even lack of trust in their agent. Whatever your reason, choosing a new company is less work than it seems.
When getting Santa Ana car insurance quotes online, don't be tempted to buy poor coverage just to save money. In many instances, someone dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price, but do not skimp to save money.
Steps to finding cheaper quotes for Mini Cooper insurance in Santa Ana
Really, the only way to find cheaper Mini Cooper insurance is to compare prices at least once a year from different companies that sell auto insurance in Santa Ana.
- First, try to learn a little about policy coverages and the steps you can take to prevent expensive coverage. Many rating criteria that result in higher prices such as traffic violations and a substandard credit score can be rectified by making minor changes in your lifestyle.
- Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies.
- Third, compare the new quotes to the price on your current policy to determine if you can save on Cooper insurance in Santa Ana. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide written notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new insurance company. Once the application is submitted, keep your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One key aspect when comparing rates is to try to use the same amount of coverage on every price quote and and to compare all possible companies. This guarantees a level playing field and a good representation of prices.
To read more, feel free to browse these articles:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Drivers Under 25 in Santa Ana? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Rates for a Toyota 4Runner? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for Uninsured Drivers? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for Business Use? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)
- Vehicle Safety Ratings (iihs.org)