It’s amazing but the vast majority of drivers have been with the same company for a minimum of four years, and almost half have never compared rates with other companies. Many consumers in Baltimore can save hundreds of dollars each year by just comparing quotes, but they don’t invest the time required to do a rate comparison.
If your goal is the lowest price, then the best way to find lower priced car insurance rates is to compare quotes annually from insurers in Baltimore.
- Take a little time to learn about coverages and the changes you can make to prevent expensive coverage. Many factors that are responsible for high rates such as tickets, at-fault accidents, and a lousy credit rating can be remedied by improving your driving habits or financial responsibility.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to the premium of your current policy to determine if you can save on Cooper insurance in Baltimore. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
The most important part of shopping around is that you use the same level of coverage on every quote and and to compare as many different companies as possible. This helps ensure a fair rate comparison and the best price quote selection.
How to compare Mini Cooper insurance rate quotes in Baltimore, Maryland
The car insurance companies shown below provide free quotes in Maryland. If multiple companies are listed, we suggest you visit several of them in order to find the cheapest rates.
Mini Cooper insurance rate analysis
The information below highlights different insurance coverage prices for Mini Cooper models. Learning as much as possible about how insurance policy premiums are figured can assist in making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $256 | $426 | $346 | $20 | $104 | $1,152 | $96 |
| Cooper 2-Dr Convertible | $256 | $426 | $268 | $16 | $80 | $1,046 | $87 |
| Cooper S 2-Dr Hatchback | $256 | $502 | $346 | $20 | $104 | $1,228 | $102 |
| Cooper S 2-Dr Convertible | $288 | $502 | $268 | $16 | $80 | $1,154 | $96 |
| Cooper John Cooper Works 2-Dr Hatchback | $288 | $502 | $346 | $20 | $104 | $1,260 | $105 |
| Cooper John Cooper Works 2-Dr Convertible | $320 | $578 | $268 | $16 | $80 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific location which can influence premiums noticeably.
Deductible comparison
One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The tables below may help to conceptualize the price difference of buying low and high coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $350 | $632 | $346 | $20 | $104 | $1,477 | $123 |
| Cooper 2-Dr Convertible | $350 | $632 | $268 | $16 | $80 | $1,371 | $114 |
| Cooper S 2-Dr Hatchback | $350 | $744 | $346 | $20 | $104 | $1,589 | $132 |
| Cooper S 2-Dr Convertible | $394 | $744 | $268 | $16 | $80 | $1,527 | $127 |
| Cooper John Cooper Works 2-Dr Hatchback | $394 | $744 | $346 | $20 | $104 | $1,633 | $136 |
| Cooper John Cooper Works 2-Dr Convertible | $440 | $856 | $268 | $16 | $80 | $1,685 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $256 | $426 | $346 | $20 | $104 | $1,152 | $96 |
| Cooper 2-Dr Convertible | $256 | $426 | $268 | $16 | $80 | $1,046 | $87 |
| Cooper S 2-Dr Hatchback | $256 | $502 | $346 | $20 | $104 | $1,228 | $102 |
| Cooper S 2-Dr Convertible | $288 | $502 | $268 | $16 | $80 | $1,154 | $96 |
| Cooper John Cooper Works 2-Dr Hatchback | $288 | $502 | $346 | $20 | $104 | $1,260 | $105 |
| Cooper John Cooper Works 2-Dr Convertible | $320 | $578 | $268 | $16 | $80 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Estimates do not factor in specific garaging location which can decrease or increase rates substantially.
We can derive from the above data that using a $100 deductible would cost the average driver about $30 more each month or $360 annually than choosing the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 13 months between claims, you would probably be better off if you choose the higher deductible.
Illustration showing the impact of accidents and violations
The example below illustrates how speeding tickets and at-fault fender-benders increase Mini Cooper annual premium costs for different age groups. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Your situation helps dictate your coverage
When it comes to choosing insurance from an agent or online for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that
These are some specific questions may help you determine whether your personal situation would benefit from professional advice.
- Where can I get insurance after a DUI in Maryland?
- What is PIP insurance?
- When should my teen driver be added to my policy?
- Are all vehicle passengers covered by medical payments coverage?
- Who is covered by my policy?
- Is my custom stereo system covered?
- Should I buy additional glass protection?
- Is my nanny covered when transporting my kids?
- Is business property covered if stolen from my car?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Are insurance agents a thing of the past?
A lot of people still prefer to go talk to an agent and that is a personal choice. Experienced insurance agents can help determine the best coverages and help in the event of a claim. A good thing about price shopping on the web is that drivers can save money and get the best rates but still work with a licensed agent. Buying from and supporting small agencies is important particularly in Baltimore.
After filling out this form (opens in new window), the coverage information is immediately sent to insurance agents in Baltimore who want to provide quotes to get your business. There is no reason to visit any agencies since price quotes are sent immediately to your email address. If you wish to quote rates from one company in particular, you would need to find their quoting web page and fill out their quote form.
Two types of car insurance agents
When looking for a reliable agent, it can be helpful to understand the different types of agencies and how they can quote your rates. Auto insurance agents in Baltimore can be described as either independent (non-exclusive) or exclusive. Either one can write auto insurance policies, but it is important to understand the subtle differences because it can factor into buying decisions.
Independent Auto Insurance Agencies or Brokers
Independent agents do not sell for just one brand so as a result can place your coverage amongst many companies and get you the best rates possible. If your premiums go up, they simply move the coverage in-house and you don’t have to switch agencies.
When searching for an agent, you absolutely need to get some free quotes from several independent insurance agents to maximize your price options.
Shown below are independent agencies in Baltimore that may be able to give free auto insurance rate quotes.
Kirby Insurance Agency, Inc.
14 W Saratoga St #100 – Baltimore, MD 21201 – (410) 837-2320 – View Map
Allied Insurance Agency
7840 Eastern Ave – Baltimore, MD 21224 – (410) 282-1111 – View Map
Concrete Insurance
6405 Belair Rd – Baltimore, MD 21206 – (410) 433-0313 – View Map
Exclusive Agencies
Agents in the exclusive channel normally can only provide a single company’s rates such as State Farm, AAA, and Liberty Mutual. These agents are unable to compare rates from other companies so you might not find the best rates. Exclusive insurance agents are highly trained on their products and sales techniques which helps overcome the inability to quote other rates.
Below is a short list of exclusive agencies in Baltimore who can help you get comparison quotes.
Frank Insley – State Farm Insurance Agent
9652 Belair Rd – Baltimore, MD 21236 – (410) 256-5600 – View Map
Allstate Insurance Agency: Abernathy Michael
7696 Belair Rd – Baltimore, MD 21236 – (410) 426-5500 – View Map
Aja Green – State Farm Insurance Agent
7635 Belair Rd – Baltimore, MD 21236 – (410) 882-9433 – View Map
Choosing a car insurance agent shouldn’t rely on just a cheap price. These are some valid questions you should ask.
- Can they provide you with a list of referrals?
- Does the agency have a current Errors and Omissions policy?
- Where would your vehicle be repaired?
- By raising physical damage deductibles, how much would you save?
- Which companies do they recommend if they are an independent agency?
- Do they have 24-hour customer assistance?
- Which company do they place the most coverage with?
- Do they offer rental car reimbursement?