How to Save on Mini Cooper Insurance in Tucson

Insurance quote for Mini Cooper in TucsonStatistics show that about 70% of customers kept their policy with the same company for a minimum of four years, and 38% of drivers have never compared insurance rates at all. Drivers in Arizona can cut their rates by almost 50% a year just by shopping around, but they don’t know how much savings they would realize if they changed companies.

It takes a little time, but the best way to get the cheapest car insurance rates in Tucson is to compare prices at least once a year from providers in Arizona. You can compare rates by following these guidelines.

Step 1: Get a basic knowledge of individual coverages and the steps you can take to prevent high rates. Many policy risk factors that are responsible for high rates like speeding tickets, careless driving and an imperfect credit history can be remedied by making minor driving habit or lifestyle changes. Keep reading for the details to get better rates and find overlooked discounts.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple companies.

Step 3: Compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.

The most important part of shopping around is that you’ll want to make sure you compare the same deductibles and limits on each quote request and and to get price estimates from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a better comparison of the market.

This article’s intent is to instruct you on the best ways to compare prices. If you currently have a car insurance policy, you will be able to get lower rates using this strategy. But Arizona vehicle owners must comprehend the methods companies use to determine prices.

The are a couple different ways to compare rate quotes from all the different companies. The best way to find cheaper Mini Cooper rates is to perform an online rate comparison.

When comparison shopping, having more price comparisons helps improve the odds of finding a better price.

The companies in the list below are our best choices to provide free quotes in Tucson, AZ. In order to find the cheapest auto insurance in Arizona, we recommend you visit two to three different companies in order to find the most affordable rates.

These discounts can lower your auto insurance quotes

Car insurance companies do not list all possible discounts in an easy-to-find place, so we took the time to find a few of the more well known and the harder-to-find discounts that you can inquire about if you buy Tucson car insurance online.Cheaper auto insurance with discounts

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

The example below compares Mini Cooper auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.

To view auto insurance companies that offer many of these discounts in Tucson, click here.

Rates and information analytics

The premium table shown below covers a range of insurance prices for Mini Cooper models. Learning more about how auto insurance policy rates are calculated can help drivers make smart choices when comparing insurance quotes.


Mini Cooper Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $224 $382 $260 $16 $78 $960 $80
Cooper 2-Dr Convertible $224 $382 $202 $12 $60 $880 $73
Cooper S 2-Dr Hatchback $224 $450 $260 $16 $78 $1,028 $86
Cooper S 2-Dr Convertible $254 $450 $202 $12 $60 $978 $82
Cooper John Cooper Works 2-Dr Hatchback $254 $450 $260 $16 $78 $1,058 $88
Cooper John Cooper Works 2-Dr Convertible $282 $518 $202 $12 $60 $1,074 $90
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific zip code location which can alter auto insurance rates greatly.

Rate comparison for different deductibles

One of the most common car insurance questions is the level to set your comp and collision deductibles. The premium rates below summarize the costs and benefits between high and low comp and collision deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.


Mini Cooper insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $258 $466 $254 $16 $76 $1,095 $91
Cooper 2-Dr Convertible $258 $466 $198 $12 $60 $1,019 $85
Cooper S 2-Dr Hatchback $258 $548 $254 $16 $76 $1,177 $98
Cooper S 2-Dr Convertible $292 $548 $198 $12 $60 $1,135 $95
Cooper John Cooper Works 2-Dr Hatchback $292 $548 $254 $16 $76 $1,211 $101
Cooper John Cooper Works 2-Dr Convertible $324 $632 $198 $12 $60 $1,251 $104
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Mini Cooper insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $188 $314 $254 $16 $76 $848 $71
Cooper 2-Dr Convertible $188 $314 $198 $12 $60 $772 $64
Cooper S 2-Dr Hatchback $188 $370 $254 $16 $76 $904 $75
Cooper S 2-Dr Convertible $212 $370 $198 $12 $60 $852 $71
Cooper John Cooper Works 2-Dr Hatchback $212 $370 $254 $16 $76 $928 $77
Cooper John Cooper Works 2-Dr Convertible $236 $428 $198 $12 $60 $934 $78
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific zip code location which can modify insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $23 more each month or $276 for a full year across all Mini Cooper models than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claims, you would most likely save money by going with a higher deductible.

How much more does full coverage cost?

The illustration below illustrates the difference between Mini Cooper insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no set rule to exclude physical damage coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your Mini Cooper claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying the physical damage deductible. If you are paying more than $300 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Best auto insurance in Arizona

Ending up with the top insurer is difficult considering how many companies there are in Tucson. The company rank data in the next section can help you analyze which auto insurers to look at shopping your coverage with.

Top Auto Insurance Companies in Tucson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Get Mini Cooper Insurance at a Discount

The best way to find cheaper insurance is to take a look at the rating factors that help determine your premiums. If you know what influences your rates, this helps enable you to make changes that can earn you big savings. Lots of factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are more obscure like your continuous coverage or how financially stable you are.