Statistics 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.
- Include Life Insurance and Save – If the company offers life insurance, you could get better premium rates if you take out a life insurance policy as well.
- Discount for Home Ownership – Just being a homeowner may earn you a small savings because it is proof that your finances are in order.
- Senior Citizen Discount – Drivers that qualify as senior citizens are able to get a discount up to 10%.
- Student Discounts – Getting good grades could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
- Policy Bundle Discount – If you combine your home and auto policies and insure them with the same company you could save as much as 10 to 15 percent.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings of 20 to 30 percent.
- E-sign Discounts – Certain insurance companies give back up to $50 for buying a policy and signing up online.
- Discounts for Federal Employees – Federal government employees may reduce rates when you quote Tucson car insurance with select insurance companies.
- Early Switch Discount – A few insurance companies offer discounts for buying a policy prior to your current Cooper insurance policy expiration. It could save around 10% when you buy Tucson car insurance online.
- Driver Training Discounts – Successfully completing a defensive driving class could save 5% or more if you qualify.
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.
| 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.
| 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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| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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.
- Liability insurance is important – A critical coverage on your policy, liability insurance is the coverage that protects you when you are found liable for an accident. Your liability coverage provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.
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Poor driving habits leads to higher costs – Having just one chargeable violation could increase your next policy renewal by twenty percent. Good drivers receive lower rates as compared to careless drivers. People who have serious tickets such as reckless driving or DUI might be required by their state to prove financial responsibility with their state motor vehicle department in order to continue driving.
The illustration below highlights how speeding tickets and accidents can affect Mini Cooper insurance costs for different categories of driver ages. The information is based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
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What type of car, truck or SUV do you drive? – The type of car you own makes a big difference in how high your rates are. The lowest base rates are for small economy passenger cars, but that’s not the only thing that factors into the final price.
The following chart assumes a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Mini Cooper insurance rates compared to other makes and models that have different performance rating factors.
- Cars with good safety ratings mean better prices – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce occupant injuries and any reduction in injury severity means less claims paid and cheaper rates on your policy.
- Consider raising deductibles – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of covered claims are a broken side mirror, flood damage, and having your car stolen. The deductibles are how much you are willing to pay if a covered claim is submitted. The more expense you pay before a claim is paid (deductible), the lower your rates will be.
- Extra coverages you don’t use – There are quite a few additional extra coverages that you can buy but may not be useful. Insurance for things like replacement cost coverage, death and dismemberment, and additional equipment coverage may be wasting your money. They may seem good at first, but now you might not need them so remove them and pocket the money.
- Discounts for married drivers – Having a wife or husband may earn you lower rates compared to being single. It usually means you are more mature than a single person and insurance companies like that married drivers get in fewer accidents.
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Insurance losses for a Mini Cooper – Car insurance companies factor in historical loss data when setting premium rates. Models that are shown to have increased claim numbers or amounts will have higher rates for specific coverages. The table below outlines the actual insurance loss data for Mini Cooper vehicles.
For each insurance policy coverage type, the loss probability for all vehicles as a whole is equal to 100. Percentage numbers below 100 suggest losses that are better than average, while percentage values above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years