It’s well known that auto insurance companies don’t want you shop around. Consumers who shop around for better prices will, in all likelihood, switch auto insurance companies because there is a significant possibility of finding discount prices. A survey found that drivers who shopped around annually saved approximately $865 annually as compared to drivers who never shopped around for cheaper prices.
If finding budget-friendly rates on auto insurance in Cincinnati is the reason for your visit, then having a good understanding how to get rate quotes and compare auto insurance can make it easier to find better rates.
The preferred way to find discount Mini Cooper insurance in Cincinnati is to regularly compare quotes from different companies in Ohio.
Step 1: Spend some time learning about what is in your policy and the measures you can take to lower rates. Many rating factors that result in higher rates like speeding and poor credit rating can be rectified by being financially responsible and driving safely.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
Step 3: Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save some money, ensure there is no coverage lapse between policies.
A key point to remember is that you’ll want to make sure you compare the same level of coverage on each quote request and to quote with as many companies as you can. Doing this ensures a fair price comparison and a complete rate analysis.
Buying the cheapest auto insurance in Cincinnati can be made easier if you know where to look. Just about anyone who has to purchase auto insurance will be able to find lower rates. Nevertheless, Ohio vehicle owners must comprehend the way companies compete online and apply this information to your search.
Best companies for cheap Mini Cooper insurance in Ohio
The following companies can provide price comparisons in Ohio. If your goal is to find cheap auto insurance in Cincinnati, OH, we recommend you visit several of them to get a more complete price comparison.
Premium rates and analysis
The coverage table shown next outlines different prices for Mini Cooper models. Learning a little about how insurance policy rates are figured can help guide drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $94 | $182 | $202 | $12 | $60 | $550 | $46 |
| Cooper 2-Dr Convertible | $94 | $182 | $158 | $10 | $48 | $492 | $41 |
| Cooper S 2-Dr Hatchback | $94 | $214 | $202 | $12 | $60 | $582 | $49 |
| Cooper S 2-Dr Convertible | $106 | $214 | $158 | $10 | $48 | $536 | $45 |
| Cooper John Cooper Works 2-Dr Hatchback | $106 | $214 | $202 | $12 | $60 | $594 | $50 |
| Cooper John Cooper Works 2-Dr Convertible | $118 | $248 | $158 | $10 | $48 | $582 | $49 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in Cincinnati location which can lower or raise auto insurance rates considerably.
Policy deductible comparison
When shopping for auto insurance, a common question is what deductibles to buy. The data tables below approximate the price difference when you choose different insurance deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| Cooper 2-Dr Convertible | $196 | $352 | $150 | $10 | $44 | $777 | $65 |
| Cooper S 2-Dr Hatchback | $196 | $416 | $192 | $12 | $58 | $899 | $75 |
| Cooper S 2-Dr Convertible | $220 | $416 | $150 | $10 | $44 | $865 | $72 |
| Cooper John Cooper Works 2-Dr Hatchback | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| Cooper John Cooper Works 2-Dr Convertible | $246 | $478 | $150 | $10 | $44 | $953 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $108 | $186 | $192 | $12 | $58 | $556 | $46 |
| Cooper 2-Dr Convertible | $108 | $186 | $150 | $10 | $44 | $498 | $42 |
| Cooper S 2-Dr Hatchback | $108 | $220 | $192 | $12 | $58 | $590 | $49 |
| Cooper S 2-Dr Convertible | $122 | $220 | $150 | $10 | $44 | $546 | $46 |
| Cooper John Cooper Works 2-Dr Hatchback | $122 | $220 | $192 | $12 | $58 | $604 | $50 |
| Cooper John Cooper Works 2-Dr Convertible | $136 | $252 | $150 | $10 | $44 | $592 | $49 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in garaging location in Cincinnati which can lower or raise coverage rates considerably.
Based on these figures, using a $100 deductible will cost you about $26 more each month or $312 a year across all Mini Cooper models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 35 months between claim filings, you would probably come out ahead by going with a higher deductible.
The information below demonstrates how deductibles and can influence Mini Cooper annual premium costs for each age group. The costs are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Rate comparison of men versus women
The chart below shows the comparison of Mini Cooper auto insurance rates for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage?
The illustration below visualizes the comparison of Mini Cooper auto insurance costs with liability coverage only compared to full coverage. The rates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive rule to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Mini Cooper claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for full coverage, then it may be the right time to buy liability only.
There are some situations where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Car insurance discounts are available to lower rates
Companies don’t necessarily list every policy discount very clearly, so we took the time to find both the well known and also the more inconspicuous savings tricks you should be using when you buy Cincinnati car insurance online.
- Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 20% or more.
- Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
- Distant Student – Any of your kids living away from Cincinnati attending college and won’t have access to an insured vehicle could qualify for this discount.
- Discount for Swiching Early – Select car insurance companies give a discount for switching policies before your current expiration date. Ten percent is about the average savings.
- Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
- Homeowners Savings – Being a homeowner can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
- Data Collection Discounts – Drivers that enable their car insurance company to analyze driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
You can save money using discounts, but some credits don’t apply to the whole policy. A few only apply to individual premiums such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, companies wouldn’t make money that way.
The illustration below shows the comparison of Mini Cooper annual premium costs with and without discounts. The premiums assume a male driver, a clean driving record, no claims, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.
Some companies that may offer quotes with many of the previously listed discounts include:
If you need lower rates, check with all the companies which discounts they offer. Some discounts listed above might not be available to policyholders in Cincinnati.
Informed Drivers Save More
Lots of things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are less apparent such as whether you are married or your commute time. When buying car insurance it’s important to understand the rating factors that are used to determine your car insurance rates. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in better car insurance rates.
The list below includes a few of the “ingredients” used by companies to determine rates.
Is your vehicle built for speed? – The performance of the car you own makes a huge difference in your auto insurance rates. Lower performance four cylinder passenger models receive the most favorable rates, but the final cost of insurance is determined by many other factors.
The data below assumes a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It compares Mini Cooper insurance rates compared to other models that have different performance risks.
Gaps in coverage mean higher premiums – Having a gap between insurance policy dates is a fast way to bump up your car insurance costs. And not only will your rates increase, being ticketed for driving with no insurance can result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Ohio DMV.
Stay claim-free and save money – If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies in Ohio provide lower rates to policyholders who only file infrequent claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Employer stress can make you pay more – Occupations such as doctors, air traffic controllers, and emergency personnel usually pay higher premiums than the average policyholder in part from intense work situations and lengthy work days. On the flip side, jobs such as professors, athletes and homemakers have the lowest average rates.
Mini Cooper claim probability – Companies analyze past claim statistics to help set a rate to offset losses. Models that tend to have higher claim amounts or frequency will cost more for specific coverages. The table below shows the insurance loss data used by companies for Mini Cooper vehicles.
For each coverage type, the claim amount for all vehicles, without regard to make or model, is a value of 100. Values that are 100 or less mean the vehicle has better than average losses, while values over 100 show a trend for more claims or an increased probability of a larger loss.
| Specific Mini 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When to get professional advice
When it comes to buying the best insurance coverage, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that.
These are some specific questions may help highlight if your insurance needs might need professional guidance.
- Does coverage follow the driver or the vehicle?
- How much liability coverage do I need in Ohio?
- If my Mini Cooper is totaled, can I afford another vehicle?
- Who is covered by my policy?
- How does medical payments coverage work?
- Is water damage covered by my policy?
- Are my friends covered when driving my Mini Cooper?
- What does roadside assistance cover?
- Why am I required to buy high-risk coverage?
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Insurance agencies near you
Many drivers just prefer to have an agent’s advice and that is a personal choice. A good thing about comparing rate quotes online is that drivers can save money and get better rates but also keep your business local.
To find an agent, once you fill out this form (opens in new window), your coverage information is sent to local insurance agents in Cincinnati who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies due to the fact that quote results will go to you directly. You can most likely find cheaper rates AND a local agent. In the event you want to get a comparison quote from one company in particular, just jump over to their website and give them your coverage information.
Finding the right insurer is decision based upon more than just a cheap price. Before buying a policy in Cincinnati, get answers to these questions.
- What are their preferred companies if they are an independent agency?
- How is replacement cost determined on your vehicle?
- Can they give you a list of client referrals?
- Does the company have a local claim office in Cincinnati?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the company have a solid financial rating?
Below are agents in Cincinnati that may be willing to give rate quotes for Mini Cooper insurance in Cincinnati.
- Dillhoff Insurance
120 E 4th St # 1000 – Cincinnati, OH 45202 – (513) 621-2020 – View Map - Brad Robbins – State Farm Insurance Agent
3111 Mozart Ave – Cincinnati, OH 45211 – (513) 662-2200 – View Map - Harold Jones – State Farm Insurance Agent
9816 Springfield Pike – Cincinnati, OH 45215 – (513) 771-6226 – View Map - Brodbeck Porter Agency
7249 Beechmont Ave – Cincinnati, OH 45230 – (513) 624-0900 – View Map
After talking to the agent and getting reasonable responses to your questions as well as offering an affordable quote, chances are good that you have found an insurance company that can be trusted to service your policy. Just keep in mind once you purchase a policy you can cancel your coverage for any reason so never feel that you’re stuck with your new company for any length of time.
Do the work, save more money
The cheapest Mini Cooper insurance in Cincinnati can be purchased online in addition to local insurance agencies, so you need to shop Cincinnati car insurance with both to have the best rate selection. A few companies may not have online rate quotes and many times these smaller providers only sell through independent insurance agents.
We just showed you a lot of information how to reduce Mini Cooper insurance prices online in Cincinnati. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable Cincinnati car insurance quotes. Consumers could even find that the biggest savings come from the least-expected company. They may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.
As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In many cases, an insured cut physical damage coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.
More information can be found at these links:
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Cincinnati Car Insurance for Drivers Over Age 60? (FAQ)
- Understanding your Policy (NAIC.org)
- Understanding Rental Car Insurance (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)