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Hello Everyone,
Im driving a MINI E in New Jersey. When i picked up my car I was told I had to go through Liberty Mutual. I feel they are raping me at $800 a year for liability. I thought we were only paying for liability? I pay less than that for full coverage on my corvette through Geico. I also have State Farm and Metropolitan on other cars i own. None of them charge me this much, however i dont think i can insure the MINI with them. Is this the case? Anybody have anything other than Liberty Mutual? They price they gave me at the dealer when picking up the car was also $200 higher than what they originally quoted me. They also tried to stick me with higher limits than the original quote was for. Just to compare, Im 30 something married with a perfect driving record. Why am i paying so much? I just read someone in CA is paying $22 a month for a MINI-E.
Yeah, do call around! It seems that every insurance company tends to like a different demographic, even though Liberty Mutual is the "preferred" BMW/MINI insurance company, they have always had higher rates when I have checked with them for my past BMWs and my MINI.
A couple of years ago I called around a few companies, and I was able to get the same coverage that I had through Nationwide with Travelers for 1/2 the price! They even beat Progressive and Geico, which usually advertise that they are the lowest. Yet someone else could call and get totally different numbers. I've learned with insurance that the only way to tell is to call 3 or 4 companies and get quotes.
__________________ 2011 BMW 335xi Coupe -- LeMans Blue/Black Leather
2009 MINI Cooper S w/ JCW Tuning Kit -- Dark Silver/Black Leather -- retired
2006 BMW M Roadster -- Interlagos Blue/Black Leather -- retired
You should be able to insure the Mini E through the other companies you use. Give them a call for a quote. I have USAA and the Mini E premium is only $200, but I insure everything through them.
edit - the $200 is for 6 months.
Liberty kept increasing their price every time I talked to them. At the end it was $890 a year. Then I told him I would call around and called my normal insurer Geico and got it for $2xx for six months. I do not remember the exact amount. The Liberty guy for the MINI E also told me no one else would insure the car, looks like he was wrong many times over.
Liberty ended up being cheaper for me than my previous carrier. My total insurance bill went slightly down. My previous carrier quoted me $400 additional. Kind of crazy since I am single and can only drive one car at a time, so the liability portion really shouldn't change.
Yeah, do call around! It seems that every insurance company tends to like a different demographic, even though Liberty Mutual is the "preferred" BMW/MINI insurance company, they have always had higher rates when I have checked with them for my past BMWs and my MINI.
A couple of years ago I called around a few companies, and I was able to get the same coverage that I had through Nationwide with Travelers for 1/2 the price! They even beat Progressive and Geico, which usually advertise that they are the lowest. Yet someone else could call and get totally different numbers. I've learned with insurance that the only way to tell is to call 3 or 4 companies and get quotes.
Keep in mind that with insurance, you get what you pay for. Ask around for people who have had claims experience. I have been a claims adjuster for 30 years and I can tell you horror stories about some of the carriers.
__________________ Mini #2: Cooper S;all 4 pkgs;Laser Blue/White;Blue & Black Uph.;blue C/L;Factory Aero; prem. sound; Ordered 3/27; In prod. 4/18; Birthdate 4/28. Morning Concert 5/9; VDC 5/29; at dealership 6/1; Picked up 6/4/09!
I'm the guy in California that posted the $22 a month number. That was for liabilty only.
For the record It was slightly wrong. The real number for the Mini-E policy is $28.50 a month. When they added the non insured and other goodies onto the policy it grew by $6.
Below is the policy from Allstate.
Also, Just sold the G35 so back to three cars, two are electric!
Peder Julie None
VEHICLES COVERED
08 Ford Truck Escape
05 Infiniti G35
07 Gem E4
08 Mini Cooper
Total Premium
Premium for 08 Ford Truck Escape $309.13
Premium for 05 Infiniti G35 $202.08
Premium for 07 Gem E4 $200.88
Premium for 08 Mini Cooper $171.39
TOTAL $883.48
COVERAGE FOR VEHICLE # 4
2008 Mini Cooper COVERAGE LIMITS DEDUCTIBLE PREMIUM Automobile Liability Insurance $117.36
Bodily Injury $300,000 each person
$500,000 each occurrence
Property Damage $100,000 each occurrence
Uninsured Motorists Insurance $300,000 each person $11.70
for Bodily Injury $300,000 each accident
Automobile Medical Payments $1,000 each person $7.18
Auto Fire, Lightning, Transportation, Actual Cash Value $0 $32.67
and Theft Insurance
Towing and Labor Costs Coverage $50 each disablement Not Applicable $2.48
Thanks everyone. I called geico and im waiting for a call back from state farm. I didnt like being forced to go with liberty mutual especially since their price was so much higher. Thanks Peder for posting that info. Thanks everyone else also and if there is anyone else not insured with liberty let me know.
Don't recall how much at the moment.
Mini #2: Cooper S;all 4 pkgs;Laser Blue/White;Blue & Black Uph.;blue C/L;Factory Aero; prem. sound; Ordered 3/27; In prod. 4/18; Birthdate 4/28. Morning Concert 5/9; VDC 5/29; at dealership 6/1; Picked up 6/4/09!
