It goes without saying that insurance companies don’t want you shop around. Drivers who get comparison quotes once a year are inclined to move their business because there is a good probability of finding a more affordable policy. A study showed that consumers who compared price quotes annually saved an average of $3,400 over four years compared to drivers who never shopped around.
If finding budget-friendly insurance is your objective, then learning about how to compare cheaper coverage can save time and make the process easier.
The best way we recommend to find more affordable Mini Cooper insurance is to compare prices annually from insurance carriers who provide auto insurance in San Francisco.
- Step 1: Try to learn a little about how companies set rates and the factors you can control to lower rates. Many risk factors that increase rates like your driving record and a less-than-favorable credit rating can be improved by making minor changes in your lifestyle. This article gives tips to help reduce prices and find available discounts that you may qualify for.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while independent agents can give you price quotes from multiple sources.
- Step 3: Compare the quotes to your existing rates to see if a cheaper price is available in San Francisco. If you can save some money and change companies, ensure coverage does not lapse between policies.
The key thing to remember is to make sure you’re comparing similar coverage information on every quote and and to look at every insurance company. Doing this provides a fair rate comparison and a good representation of prices.
Most major insurance companies like Allstate and Progressive make it easy to get coverage price quotes online. Getting online rates for Mini Cooper insurance in San Francisco can be done by anyone as you simply type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their quoting system pulls your driving and credit reports and generates a price. Quoting online for Mini Cooper insurance in San Francisco simplifies rate comparisons, and it’s absolutely necessary to compare as many rates as possible in order to find cheaper car insurance pricing.
To save time and find out how much you can save on car insurance, compare rates from the companies below. If you currently have coverage, we recommend you copy the coverages identical to your current policy. This guarantees you will receive a price comparison based on similar coverages.
The companies shown below have been selected to offer free quotes in California. If multiple providers are shown, we suggest you click on several of them to get a more complete price comparison.
Mini Cooper insurance charts and tables
The rate information displayed below outlines detailed analysis of policy rates for Mini Cooper models. Having insight into how auto insurance premiums are formulated can be useful when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $182 | $354 | $424 | $26 | $128 | $1,114 | $93 |
| Cooper 2-Dr Convertible | $182 | $354 | $330 | $20 | $98 | $984 | $82 |
| Cooper S 2-Dr Hatchback | $182 | $418 | $424 | $26 | $128 | $1,178 | $98 |
| Cooper S 2-Dr Convertible | $204 | $418 | $330 | $20 | $98 | $1,070 | $89 |
| Cooper John Cooper Works 2-Dr Hatchback | $204 | $418 | $424 | $26 | $128 | $1,200 | $100 |
| Cooper John Cooper Works 2-Dr Convertible | $228 | $482 | $330 | $20 | $98 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Information does not factor in zip code location which can increase or decrease premiums significantly.
Can higher deductibles save money?
One of the most common insurance questions is how high should the physical damage deductibles be. The premium rates below can help illustrate the difference in cost between low and high comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Cooper 2-Dr Convertible | $210 | $362 | $292 | $18 | $88 | $970 | $81 |
| Cooper S 2-Dr Hatchback | $210 | $426 | $376 | $22 | $112 | $1,146 | $96 |
| Cooper S 2-Dr Convertible | $238 | $426 | $292 | $18 | $88 | $1,062 | $89 |
| Cooper John Cooper Works 2-Dr Hatchback | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Cooper John Cooper Works 2-Dr Convertible | $266 | $490 | $292 | $18 | $88 | $1,154 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can revise auto insurance rates substantially.
We can derive from the above data that using a $250 deductible costs about $34 more each month or $408 for a full year averaged for all Cooper models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 22 months between claims, you would most likely save money by going with a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $126 |
| Average monthly premium for $1,000 deductibles (subtract): | – $92 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One important note is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have to file a claim. You need to make sure you have some extra savings in order to pay the deductible.
The example below shows how different deductible levels and can raise or lower Mini Cooper insurance costs for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Car insurance can be complex
When it comes to buying the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. You are unique.
For example, these questions may help highlight whether you may require specific advice.
- What are the best liability limits?
- Which companies will insure me after a DUI?
- Is my vehicle covered by my employer’s policy when using it for work?
- Which companies are cheaper for teen drivers?
- What companies insure drivers after a DUI or DWI?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Does my policy cover my teen driver if they drive my company car?
- Why am I required to buy liability insurance?
- Do I need PIP (personal injury protection) coverage in California?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.
Car insurance is available from local agents
Some consumers would rather buy from a local agent and that is a personal choice. A nice benefit of comparing car insurance online is you can get the best rates but still work with a licensed agent. Supporting neighborhood agents is definitely important in San Francisco.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is instantly submitted to companies in San Francisco that can provide free San Francisco auto insurance quotes and help you find cheaper coverage. You won’t even need to contact any insurance agencies because prices are sent to you directly. You’ll get the best rates and a licensed agent to work with. If you need to compare prices from a specific car insurance provider, don’t hesitate to navigate to their website and submit a quote form there.
If you want to use a local San Francisco insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents can be described as either independent or exclusive depending on the company they work for.
Independent Agents
Independent insurance agents do not work for one specific company and that allows them to write policies through many companies and help determine which has the cheapest rates. If they find a lower price, they simply move your policy to a different company which requires no work on your part. When comparing rates, you need to get several quotes from at least one independent agent so that you have a good selection of quotes to compare.
Shown below is a partial list of independent insurance agencies in San Francisco who may provide pricing information.
Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map
Nationwide Insurance: Nathan Douglas Gleason Agency
101 California St #2710 – San Francisco, CA 94111 – (415) 870-6999 – View Map
Riskguard Insurance Solutions
422 Presidio Ave – San Francisco, CA 94115 – (415) 447-4212 – View Map
Exclusive Agents
Agents that elect to be exclusive can only place business with one company and some examples include Allstate and State Farm. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. They are very knowledgeable on their company’s products which helps them compete with independent agents.
Below is a short list of exclusive insurance agents in San Francisco willing to provide comparison quotes.
Fillia Fransisca – State Farm Insurance Agent
2315 Noriega St – San Francisco, CA 94122 – (415) 661-3726 – View Map
State Farm: Michael Woo
2166 Market St – San Francisco, CA 94114 – (415) 565-6777 – View Map
Rebekah Shapiro – State Farm Insurance Agent
1736 Stockton St #9 – San Francisco, CA 94133 – (415) 525-3344 – View Map
Choosing an insurance agent should include more criteria than just the quoted price. Before buying a policy in San Francisco, get answers to these questions.
- Are they paid to recommend certain coverages?
- Does the company allow you to choose your own collision repair facility?
- By raising physical damage deductibles, how much would you save?
- Is there any savings for paying the full premium?
- Does the company have a solid financial rating?
- Does the company use OEM repair parts?
- Is there a Errors and Omissions policy in force?
- Do they offer rental car reimbursement?