2011 Nissan Leaf Insurance Quotes

Looking for the cheapest car insurance rates for your Nissan Leaf? Are you irritated from wondering where the money will come from to pay high car insurance rates every month? You have the same problem as many other consumers.

Big companies like State Farm, Geico and Farmers Insurance continually bombard you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

Consumers should take time to check car insurance prices quite often because car insurance prices trend upward over time. Just because you found the best rates on Leaf insurance a few years ago there is a good chance you can find better rate quotes now. There is a lot of wrong information about car insurance online but you can learn some guaranteed methods to find affordable car insurance.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. But drivers must know how big insurance companies price online insurance and use this information to your advantage.

Insurance coverage rates and discounts

Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but a few must be specifically requested before they will apply.

  • Early Switch Discount – Some companies reward drivers for switching companies before your current policy expires. You can save around 10% with this discount.
  • Claim Free – Claim-free drivers get the best insurance coverage rates when compared to insureds who have frequent claims or accidents.
  • Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more on Leaf insurance compared to rates paid by drivers with frequent claims.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
  • Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

A partial list of companies that may include some of the discounts shown above are:

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to choose from a list of insurers who offer insurance coverage discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation may require specific advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need roadside assistance coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Where can I find DUI or SR-22 insurance?
  • Does my car insurance cover rental cars?
  • Is my custom paint covered by insurance?
  • What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Will you really save $492 on insurance coverage?

Big name companies like Progressive, Allstate and Geico regularly use television and radio advertisements. They all seem to advertise the message that drivers can save some big amount if you switch to their company. How does every insurance coverage company offer drivers better rates? You have to listen carefully.

Different companies are able to cherry pick for the type of insured that will not have excessive claims. One example of this type of risk profile should be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Anybody who fits those characteristics is entitled to the best price and will also pay quite a bit less when switching companies.

Consumers who don’t qualify for these criteria will probably have to pay higher premiums which results in the driver buying from a lower-cost company. The trick is to say “people who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently advertise the way they do. This emphasizes why you absolutely need to compare free auto insurance quotes often. It is impossible to guess with any certainty which company will give you the biggest savings.

Insurance coverage basics

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as pain medications, X-ray expenses, EMT expenses, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Nissan Leaf.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, theft and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Money doesn’t grow on trees

In this article, we presented many ways to lower your 2011 Nissan Leaf insurance prices. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. Smaller companies often have lower rates on specific markets than their larger competitors like Progressive or Geico.

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to discover later that it was a big mistake. The ultimate goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

Additional information is available on the following sites: