Discount Mini Cooper insuranceHave you finally had enough of not being able to afford to pay high insurance rates every month? You are in the same boat as millions of other vehicle owners.

Surprisingly, a recent survey revealed that the vast majority of consumers in Tennessee kept their coverage with the same insurance company for four years or more, and nearly half have never compared insurance rates at all. Many drivers in America could pocket as much as $850 a year, but they don't want to spend time to shop around. Big companies like GEICO and Progressive constantly blast consumers with catchy ads and consumers find it hard to ignore the flashy ads and find the best price available.

It's a good habit to compare prices before your next renewal because insurance prices trend upward over time. Despite the fact that you may have had the lowest rate on Mini Cooper insurance in Memphis at your last renewal you may be paying too much now. There are a lot of ways to save on Cooper insurance out there, but I'm going to show you a bunch of ideas how to slash your insurance rates in Memphis.

Discount Memphis car insurance rates

Companies that sell car insurance don't necessarily list every disount available in a way that's easy to find, so the following list contains a few of the more common as well as some of the hidden credits that you can use to lower your rates.Car insurance discounts

Remember that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, you're out of luck.

To view insurance companies with the best Mini Cooper insurance discounts in Memphis in Tennessee, click here to view.

The method we recommend to compare car insurance rates for Mini Cooper insurance in Memphis is to realize most of the bigger providers have advanced systems to compare rate quotes. All you need to do is provide details such as your general credit rating, the type of vehicles you drive, if it has an alarm system, and how much coverage you want. Your rating data is instantly submitted to all major companies and you should receive rate quotes very quickly.

If you would like to compare rates now, click here and see if a lower rate is available in Memphis.

The companies in the list below offer comparison quotes in Tennessee. If more than one company is shown, we suggest you compare several of them to get the best price comparison.

Mini Cooper Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $192 $388 $278 $16 $84 $958 $80
Cooper 2-Dr Convertible $284 $448 $250 $14 $74 $1,070 $89
Cooper S 2-Dr Hatchback $254 $444 $322 $20 $96 $1,136 $95
Cooper S 2-Dr Convertible $242 $518 $200 $12 $60 $1,032 $86
Cooper John Cooper Works 2-Dr Hatchback $216 $434 $258 $16 $78 $1,002 $84
Cooper John Cooper Works 2-Dr Convertible $280 $510 $190 $12 $58 $1,050 $88
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can raise or lower premium rates greatly.

Gender-based auto insurance premiums

The information below visualizes the comparison of Mini Cooper annual premium costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Physical damage deductibles

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The comparisons below can help you understand the rate differences when you select higher and lower coverage deductibles. The first table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Mini Cooper insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $248 $448 $246 $14 $74 $1,055 $88
Cooper 2-Dr Convertible $248 $448 $190 $12 $58 $981 $82
Cooper S 2-Dr Hatchback $248 $528 $246 $14 $74 $1,135 $95
Cooper S 2-Dr Convertible $280 $528 $190 $12 $58 $1,093 $91
Cooper John Cooper Works 2-Dr Hatchback $280 $528 $246 $14 $74 $1,167 $97
Cooper John Cooper Works 2-Dr Convertible $312 $608 $190 $12 $58 $1,205 $100
Get Your Own Custom Quote Go
Mini Cooper insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $182 $304 $246 $14 $74 $820 $68
Cooper 2-Dr Convertible $182 $304 $190 $12 $58 $746 $62
Cooper S 2-Dr Hatchback $182 $358 $246 $14 $74 $874 $73
Cooper S 2-Dr Convertible $204 $358 $190 $12 $58 $822 $69
Cooper John Cooper Works 2-Dr Hatchback $204 $358 $246 $14 $74 $896 $75
Cooper John Cooper Works 2-Dr Convertible $228 $412 $190 $12 $58 $900 $75
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in Memphis location which can influence auto insurance rates significantly.

Based on this data, using a $100 deductible could cost the average driver approximately $22 more each month or $264 for a full year than selecting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 18 months between claims, you would save money if you choose the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $92
Average monthly premium for $500 deductibles (subtract): - $70
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Careless drivers pay higher rates

The information below highlights how traffic violations and at-fault accidents can raise Mini Cooper insurance rates for different categories of driver ages. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Everyone needs different insurance coverages

When it comes to choosing insurance from an agent or online, there is no "perfect" insurance plan. Everyone's situation is a little different and your insurance should unique, too.Drive safe and save Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Independent versus exclusive auto insurance agents

A small number of people still like to buy from a licensed agent and we recommend doing that Experienced insurance agents are very good at helping people manage risk and help submit paperwork. A good thing about price shopping on the web is you may find cheap rate quotes and also buy local. And supporting local insurance agencies is important particularly in Memphis.

Memphis insurance agentsAfter completing this short form, the quote information is immediately sent to insurance agents in Memphis who will give competitive quotes to get your business. It simplifies rate comparisons since you won't have to even leave your home due to the fact that quote results will go immediately to you. In the event you want to get a price quote from a specific company, feel free to go to their quote page and give them your coverage information.

Two types of Memphis auto insurance agents

If you are wanting to purchase car insurance from a reliable insurance agency, you need to know there are two different types of agencies that you can select. Agents are classified as either independent or exclusive. Either can handle car insurance, but it is important to understand the difference in the companies they write for because it may have an impact on your agent selection.

Independent Agents (or Brokers)

These agents do not write with just one company so as a result can place your coverage through many companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you don't have to find a new agent. If you need cheaper car insurance rates, you will want to include multiple independent agents to have the best price comparison.

The following is a small list of independent agents in Memphis that may be able to provide cheap rate quotes.


2550 Poplar Ave - Memphis, TN 38112 - (901) 458-1630 - View Map


4132 Elvis Presley Blvd - Memphis, TN 38116 - (901) 346-2550 - View Map


6645 Stage Rd #200 - Memphis, TN 38134 - (901) 372-4580 - View Map

View more Memphis agents

Exclusive Agents

Exclusive insurance agents can only provide pricing for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide other company's prices so always compare other rates. Exclusive agents are well trained on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below are Memphis exclusive insurance agencies willing to provide comparison quotes.


248 Cooper St - Memphis, TN 38104 - (901) 276-1044 - View Map


848 Cooper St - Memphis, TN 38104 - (901) 725-1919 - View Map


6060 Primacy Pkwy #221 - Memphis, TN 38119 - (901) 794-3691 - View Map

View more Memphis agents

Choosing the best auto insurance agent requires you to look at more than just a low price. Here are some questions you might want to ask.

If you get good responses to all your questions as well as an affordable premium quote, you may have just found an insurance agency that meets the criteria to provide car insurance coverage. Just remember you have the power to cancel your policy any time you want so never assume you are locked into the car insurance policy indefinitely.

Be persistent to save money

When searching for affordable Mini Cooper insurance quotes, you should never buy poor coverage just to save money. There have been many cases where consumers will sacrifice collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

We just presented many tips how you can lower your Mini Cooper insurance premium rates in Memphis. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding affordable Memphis car insurance quotes. You may even be surprised to find that the lowest premium rates are with the smaller companies. Some small companies may only write in your state and offer lower prices than their larger competitors like GEICO and State Farm.

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