Cheap New Orleans Mini Cooper Insurance

The most effective way to save on car insurance rates is to make a habit of regularly comparing prices from different companies who provide auto insurance in New Orleans.

  1. It will benefit you to learn about the different coverages in a policy and the changes you can make to prevent expensive coverage. Many rating criteria that increase rates like traffic tickets, fender benders, and poor credit history can be remedied by improving your driving habits or financial responsibility. Later in this article we will cover the details to find cheap rates and get bigger discounts that may have been overlooked.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while independent agents can provide prices from many different companies. Compare rates
  3. Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
  4. Provide proper notification to your current company of your decision to cancel your current car insurance policy and submit a down payment and signed policy application to the new company. Make sure you store the proof of insurance paperwork along with the vehicle’s registration papers.

An essential thing to point out is to make sure you’re comparing identical limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. This enables a fair price comparison and the best price selection.

Discount Mini Cooper insuranceWe don’t have to tell you that car insurance companies don’t want customers comparing rates. Drivers who get price comparisons are likely to switch companies because the odds are good of finding discount prices. Remarkably, a study showed that drivers who routinely compared rates saved on average $3,450 over four years as compared to drivers who never shopped for cheaper rates.

If finding the cheapest rates on Mini Cooper insurance is why you’re reading this, then having a grasp of the best way to quote and compare insurance rates can help simplify the process.

Do you qualify for discounts?

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be specifically requested before they will apply.

It’s important to understand that many deductions do not apply to the whole policy. Most cut the cost of specific coverages such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

The information below illustrates the difference between Mini Cooper insurance rates with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Louisiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.

A few popular companies and some of their more popular discounts are:

If you are trying to find affordable New Orleans auto insurance quotes, ask every prospective company which credits you are entitled to. Discounts may not be offered in your state.

Just remember that more quotes helps improve the odds of finding a lower rate than you’re paying now.

The companies in the list below have been selected to offer free rate quotes in New Orleans, LA. To get cheap car insurance in New Orleans, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.

Coverage analysis

The rate information shown next outlines different insurance costs for Mini Cooper models. Having knowledge of how insurance premiums are calculated can be of help when making smart choices when comparing insurance rates.

Mini Cooper Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $344 $708 $414 $24 $124 $1,614 $135
Cooper 2-Dr Convertible $344 $708 $322 $20 $96 $1,490 $124
Cooper S 2-Dr Hatchback $344 $834 $414 $24 $124 $1,740 $145
Cooper S 2-Dr Convertible $388 $834 $322 $20 $96 $1,660 $138
Cooper John Cooper Works 2-Dr Hatchback $388 $834 $414 $24 $124 $1,784 $149
Cooper John Cooper Works 2-Dr Convertible $432 $960 $322 $20 $96 $1,830 $153
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in specific garaging location which can alter price quotes significantly.

How Your Cooper Insurance Premiums are Determined

Lots of things are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, although some other factors are not as apparent like your continuous coverage or your commute time.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.

Why do you need liability insurance? – Liability insurance provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Better prices with anti-theft devices – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

Men are more aggressive – The statistics show that women are safer drivers than men. The data does not necessarily mean that females are better drivers. They both have fender benders at about the same rate, but the male of the species get into accidents with more damage. Not only that, but men also get more serious tickets such as reckless driving. Young males cause the most accidents and therefore are the most expensive to insure.

The example below shows the comparison of Mini Cooper auto insurance costs for male and female drivers. The information is based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single marital status, and no discounts are factored in.

Traffic violations are costly – Your driving citation history impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates compared to bad drivers. Having just one moving violation can increase rates forty percent or more. Drivers with multiple violations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive.

The illustration below demonstrates how traffic citations and accidents increase Mini Cooper premium costs for each different age group. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Loss probability for a Mini Cooper – Insurance companies include the past claim history for a vehicle when they calculate premium rates for each model. Vehicles that tend to have higher loss trends will have a higher cost to insure. The table below demonstrates the collected loss data for Mini Cooper vehicles.

For each policy coverage, the loss probability for all vehicles, regardless of make or model, equals 100. Percentages below 100 indicate a favorable loss history, while numbers that are greater than 100 indicate more frequent losses or a tendency for claims to be larger.

Mini Cooper Insurance Loss Statistics
Vehicle 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 for 2013-2015 Model Years

Buying from auto insurance agents

A lot of people would rather visit with an insurance agent and that is just fine! One of the great benefits of getting online price quotes is the fact that drivers can get the lowest rates but also keep your business local.

Find insurance agent in New OrleansBy using this simple form, your insurance data is instantly submitted to agents in your area who will give competitive quotes to get your business. There is no need to contact any insurance agencies because prices are sent to you instantly. You can find better rates without requiring a lot of work. If for some reason you want to get a price quote from a specific insurance company, you can always visit that company’s website to submit a rate quote request.

Choosing the best provider requires you to look at more than just a low price. A good agent in New Orleans will have answers to these questions.

What types of car insurance agents are in New Orleans?

If you want a reliable agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in New Orleans are considered either exclusive or independent (non-exclusive).

Exclusive Agencies

Agents in the exclusive channel are contracted to one company and some examples include American Family, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often choose to use a exclusive agent mainly due to the brand name and strong financial ratings.

Listed below is a list of exclusive insurance agents in New Orleans willing to provide comparison quotes.

View more New Orleans agents

Independent Insurance Agents

Independent insurance agents often have many company appointments and that allows them to write policies with any number of different companies and get you the best rates possible. If your premiums go up, they simply move your policy to a different company and you don’t have to do anything.

When comparing insurance rates, you should always include price quotes from at least one independent agent so that you can do a thorough price comparison. Many write coverage with companies you’ve never heard of that can offer cheaper rates than bigger companies.

The following are independent agencies in New Orleans who can help you get price quotes.

View more New Orleans agents

Insurance does more than just protect your car

Despite the high insurance cost for a Mini Cooper in New Orleans, insurance is required in Louisiana but it also protects you in many ways.

The benefits of having insurance outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $850 per year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Best car insurance in New Orleans

Insuring your vehicle with the top car insurance provider can be rather challenging considering how many companies there are in New Orleans. The ranking data in the lists below can help you pick which car insurance companies you want to consider when comparing rate quotes.

Top 10 New Orleans Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Do the work, save more money

We’ve covered many ideas to reduce Mini Cooper insurance prices online in New Orleans. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the most savings is with some of the lesser-known companies.

When shopping online for car insurance, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as delays in responding to claim requests, questionable increases in premium, high prices or being labeled a high risk driver. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

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