Remarkably, a study showed that a large majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and approximately 40% of consumers have never compared rate quotes at all. With the average premium in Nevada being $1,620, drivers could save $550 a year, but they assume it’s a waste of time to compare rates and save money.
If you want to save money, the best way to get low-cost Mini Cooper insurance is to start comparing prices regularly from different companies in Henderson. Rates can be compared by following these steps.
First, take a few minutes and learn about how insurance works and the changes you can make to prevent high rates. Many risk factors that cause rate increases such as careless driving and a negative credit score can be rectified by making small lifestyle or driving habit changes. This article gives more information to find cheap rates and find missing discounts.
Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agents can quote rates from multiple companies.
Third, compare the new quotes to your current policy and see if there is a cheaper rate. If you find better rates and change companies, ensure there is no coverage lapse between policies.
Fourth, give notification to your agent or company to cancel your current auto insurance policy. Submit a completed policy application and payment to your new agent or company. Make sure you put the new proof of insurance paperwork in your glove compartment.
An important note is to try to use the same deductibles and limits on each quote and and to get rates from as many car insurance companies as possible. This helps ensure an accurate price comparison and the best price selection.
If you already have coverage, you will be able to find better prices using the concepts you’re about to learn. Finding and comparing the lowest cost coverage in Henderson is easy if you know what you’re doing. Nevertheless, Nevada vehicle owners need to learn how big insurance companies charge you for coverage because it varies considerably.
How to compare Henderson Mini Cooper insurance quotes
There are several ways to compare quotes from different Henderson insurance companies. The simplest method to find the lowest Mini Cooper rates consists of shopping online.
Just keep in mind that comparing all the rates in your area will improve the odds of getting a lower rate.
The following companies offer price quotes in Henderson, NV. If you want to find cheap car insurance in Henderson, we recommend you compare several of them to get the lowest price.
Insurance statistics and figures
The information shown next covers different insurance rates for Mini Cooper models. Understanding more about how insurance policy rates are established can help drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $142 | $286 | $340 | $20 | $102 | $890 | $74 |
| Cooper 2-Dr Convertible | $142 | $286 | $264 | $16 | $80 | $788 | $66 |
| Cooper S 2-Dr Hatchback | $142 | $336 | $340 | $20 | $102 | $940 | $78 |
| Cooper S 2-Dr Convertible | $160 | $336 | $264 | $16 | $80 | $856 | $71 |
| Cooper John Cooper Works 2-Dr Hatchback | $160 | $336 | $340 | $20 | $102 | $958 | $80 |
| Cooper John Cooper Works 2-Dr Convertible | $178 | $386 | $264 | $16 | $80 | $924 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific location information which can lower or raise insurance rates substantially.
Comparison of policy deductibles
The hardest decision when buying coverage is how high should the physical damage deductibles be. The figures shown below may aid in understanding the differences in premium rates between low and high policy deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $266 | $478 | $262 | $16 | $78 | $1,125 | $94 |
| Cooper 2-Dr Convertible | $266 | $478 | $204 | $12 | $60 | $1,045 | $87 |
| Cooper S 2-Dr Hatchback | $266 | $564 | $262 | $16 | $78 | $1,211 | $101 |
| Cooper S 2-Dr Convertible | $300 | $564 | $204 | $12 | $60 | $1,165 | $97 |
| Cooper John Cooper Works 2-Dr Hatchback | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Cooper John Cooper Works 2-Dr Convertible | $334 | $650 | $204 | $12 | $60 | $1,285 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $148 | $252 | $262 | $16 | $78 | $756 | $63 |
| Cooper 2-Dr Convertible | $148 | $252 | $204 | $12 | $60 | $676 | $56 |
| Cooper S 2-Dr Hatchback | $148 | $298 | $262 | $16 | $78 | $802 | $67 |
| Cooper S 2-Dr Convertible | $166 | $298 | $204 | $12 | $60 | $740 | $62 |
| Cooper John Cooper Works 2-Dr Hatchback | $166 | $298 | $262 | $16 | $78 | $820 | $68 |
| Cooper John Cooper Works 2-Dr Convertible | $184 | $342 | $204 | $12 | $60 | $802 | $67 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location which can modify rates considerably.
We can derive from the above data that using a $100 deductible will cost you about $34 more each month or $408 each year averaged for all Cooper models than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 26 months between claims, you would probably save some money if you choose a higher deductible.
Safe drivers pay cheaper rates
The chart below illustrates how speeding tickets and at-fault collisions can raise Mini Cooper insurance costs for different age categories. The rate quotes are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Males versus Females
The chart below visualizes the comparison of Mini Cooper annual premium costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Protect your Mini vehicle and other assets
Despite the potentially high cost of Mini Cooper insurance, buying insurance is most likely required but also gives you several important benefits.
- Most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability protection if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Mini Cooper, more than likely the lender will have a requirement that you have physical damage coverage to protect their interest in the vehicle. If you default on your policy, the lender may insure your Mini for a much higher rate and force you to reimburse them for the expensive policy.
- Insurance safeguards not only your vehicle but also your financial assets. It also can pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will cover the repair costs.
The benefits of insuring your Cooper definitely exceed the cost, especially for larger claims. As of last year, the average driver in Nevada overpays as much as $810 a year so shop around at every policy renewal to help ensure money is not being wasted.
Insurance quotes and discounts
Some companies do not list all discounts in a way that’s easy to find, so we break down a few of the more well known as well as some of the hidden credits that may apply to you.
- Accident Waiver – Not really a discount, but companies like GEICO and Allstate will forgive one accident without raising rates so long as you are claim-free prior to the accident.
- Multi-Vehicle Discounts – Buying a policy with more than one vehicle with the same insurance company qualifies for this discount.
- College Student Discount – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
- Government Employees – Simply working for the federal government may qualify for a discount when you quote Henderson auto insurance depending on your company.
- Early Signing – A few larger companies allow discounts for renewing your policy before your current coverage expires. It could save around 10% when you buy Henderson auto insurance online.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more on Cooper insurance in Henderson.
- Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts of more than 20%.
- No Accidents – Drivers with accident-free driving histories can save substantially as compared to drivers with a long claim history.
- Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
- Data Collection Discounts – Drivers who elect to allow their insurance company to look at where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.
The chart below compares Mini Cooper auto insurance rates with and without discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.
Some companies that may include these money-saving discounts include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Check with all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policies in your area.
Can’t I compare rate quotes from local Henderson insurance agencies?
A small number of people would rather buy from a local agent and we recommend doing that A good thing about getting free rate quotes online is you may find lower rates and also buy local. And providing support for neighborhood insurance agencies is especially important in Henderson.
After filling out this quick form, your coverage information is emailed to local insurance agents in Henderson that can provide free Henderson auto insurance quotes to get your business. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered immediately to your email address. You can most likely find cheaper rates and work with a local agent. If for some reason you want to compare rates for a specific company, you would need to find their quoting web page and fill out the quote form the provide.
Below is a list of auto insurance companies in Henderson that may be willing to give price quote information for Mini Cooper insurance in Henderson.
- Balsiger Insurance
3481 E Sunset Rd #100 – Las Vegas, NV 89120 – (702) 220-8640 – View Map - Allstate Insurance: Jeremy Peltz
3215 St Rose Pkwy Ste 120 – Henderson, NV 89052 – (702) 233-8372 – View Map - Express Auto Insurance LLC
1371 W Warm Springs Rd – Henderson, NV 89014 – (702) 907-0000 – View Map - Amber Aiello – State Farm Insurance Agent
2200 W Horizon Ridge Pkwy a – Henderson, NV 89052 – (702) 616-4663 – View Map
Picking an provider requires you to look at more than just the bottom line cost. Some important questions to ask are:
- What company holds the largest book of business for them?
- Will the company cover a rental car if your car is getting fixed?
- How are claims handled?
- Do you work with a CSR or direct with the agent?
- Is the agent and/or agency licensed to do business in Nevada?
- Can they give you a list of client referrals?
- What kind of financial rating does the company have?
If you get good responses to any questions you may have as well as a affordable price, you may have just found a company that can properly service your auto insurance policy. It’s important to know that consumers can cancel coverage any time you want so don’t assume that you’re stuck with the auto insurance policy with no way out.
Best auto insurance company in Henderson
Choosing a good quality insurer can be a challenge considering how many choices drivers have in Henderson. The company rank data listed below could help you select which car insurance providers to look at comparing rates with.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
When should I discuss my situation with an agent?
Always remember that when buying insurance from an agent or online for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.
Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does my insurance cover my expensive audio equipment?
- What is GAP insurance?
- Will my insurance pay for OEM parts?
- What exactly is covered by my policy?
- Is there coverage for my trailer?
- What does roadside assistance cover?
- Am I getting all the discounts available?
- Should I drop comprehensive coverage on older vehicles?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Detailed coverages of your auto insurance policy
Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like theft, hail damage, a broken windshield and hitting a deer. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical costs insurance
Med pay and PIP coverage provide coverage for expenses like funeral costs, rehabilitation expenses, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Coverage for collisions
Collision coverage covers damage to your Cooper resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Cooper to save money on collision insurance.
Liability car insurance
This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/10 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims such as bail bonds, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but you should think about purchasing more coverage.
The illustration below shows why the minimum limit may not be adequate coverage.
UM/UIM Coverage
This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mini Cooper.
Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.
Cheap auto insurance rates are out there
People change insurance companies for many reasons like poor customer service, not issuing a premium refund, an unsatisfactory settlement offer or even unfair underwriting practices. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.
While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.
Cheaper auto insurance in Henderson is available both online as well as from independent agents in Henderson, and you should compare rates from both to have the best rate selection. Some auto insurance companies don’t offer the ability to get quotes online and usually these small insurance companies prefer to sell through independent agents.
For more information, take a look at these articles:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Auto Insurance After a Speeding Ticket in Henderson? (FAQ)
- How Much are Henderson Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- Who Has Affordable Auto Insurance for Felons in Henderson? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Ride Shares in Henderson? (FAQ)
- Who Has the Cheapest Auto Insurance for College Students in Henderson? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Prom Night Tips for Teen Drivers (State Farm)