2013 Nissan Leaf Insurance Quotes

Having to pay for overpriced car insurance can sap your accounts and force you to make sacrifices. Comparison shopping is an excellent way to slash your bill and have more diposable income.

Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate continually hit you with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and find the best price available.

It’s a great practice to do rate comparisons before your next renewal since insurance rates go up and down regularly. Even if you got the best premium rates for Leaf coverage a year ago there is a good chance you can find better prices now. You’ll find quite a bit of inaccurate information about car insurance on the internet, but I’m going to show you the best ways to quit paying high car insurance rates.

If you have a policy now or are shopping for new coverage, you can use this information to find better prices and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners just need to understand the tricks to compare company rates online.

How to shop insurance online

Effectively comparing insurance prices can be a lot of work if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could use the internet to quickly compare rates.

Many insurance companies belong to a marketplace that enables customers to submit one quote, and at least one company returns a rated price based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To use this form to compare rates click here to open in new window.

The one downside to using this type of system is that you can’t choose which providers to get quotes from. If you wish to select specific providers to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, do your best to enter exactly the same coverages with each company. If the quotes have mixed coverages it’s not possible to make a fair comparison for your Nissan Leaf.

Don’t overlook these insurance coverage discounts

Not too many consumers would say insurance coverage is affordable, but you might be missing out on some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time of purchase, but some must be specifically requested in order for you to get them.

  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Telematics Discount – Drivers who agree to allow their insurance coverage company to study driving habits by installing a telematics device like Allstate’s Drivewise might get better premium rates if they are good drivers.
  • Low Mileage Discounts – Fewer annual miles on your Nissan could earn discounted rates on garaged vehicles.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as State Farm and Allstate will turn a blind eye to one accident before your rates go up if your claims history is clear for a certain period of time.
  • Cautious Driver Discounts – Safe drivers can pay as much as 50% less for Leaf coverage than their less cautious counterparts.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, it’s just not the way it works.

A list of companies and some of the premium reductions they offer are shown below.

  • Progressive offers premium reductions for homeowner, good student, multi-policy, multi-vehicle, online signing, and continuous coverage.
  • The Hartford includes discounts for driver training, air bag, vehicle fuel type, defensive driver, anti-theft, bundle, and good student.
  • Mercury Insurance may have discounts that include type of vehicle, multi-car, ease of repair, professional/association, low natural disaster claims, and good driver.
  • Geico has savings for good student, air bags, defensive driver, seat belt use, anti-lock brakes, and multi-vehicle.
  • AAA has discounts for pay-in-full, multi-policy, good driver, good student, and anti-theft.
  • State Farm discounts include anti-theft, Steer Clear safe driver discount, good student, multiple autos, accident-free, good driver, and student away at school.

Check with each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your area. To choose insurance coverage companies who offer discounts, click here.

You can change your insurance rates

When buying auto insurance it’s important to understand the rating factors that aid in calculating the rates you pay for auto insurance. When you understand what determines base rates, this allows you to make educated decisions that may reward you with better auto insurance rates.

  • How much liability coverage – Your policy’s liability coverage is the protection if ever a court rules you are at fault for damages from an accident. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Only buy coverage you need – Insurance policies have a lot of additional extra coverages that may not really be needed if you aren’t careful. Coverages for vanishing deductibles, towing coverage, and Farm Bureau memberships are some examples. They may seem good when discussing your needs, but if they’re wasting money think about removing them and cutting costs.
  • Employer and insurance auto insurance rates – Do you have a high-stress occupation? Careers such as fire fighters, architects and dentists usually pay higher rates than the rest of us because of stressful work requirements and incredibly demanding work hours. On the other hand, professions such as farmers, historians and the unemployed have lower than average premiums for Leaf coverage.
  • High credit means lower costs – A driver’s credit score can be a huge factor in determining what you pay. Insureds with very high credit ratings tend to file fewer claims and have better driving records than those with lower ratings. Therefore, if your credit rating leaves room for improvement, you could be paying less to insure your 2013 Nissan Leaf by improving your credit score.
  • High comp and collision deductibles save money – The deductibles define how much the insured will be required to pay in the event of a claim. Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered would be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less money you will pay for auto insurance for Leaf coverage.

When to get professional advice

When choosing coverage, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Do I need an umbrella policy?
  • When would I need rental car insurance?
  • Is upholstery damage covered by car insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is PIP insurance?
  • If I drive on a suspended license am I covered?
  • Is my camper covered by my car insurance policy?
  • Do I need more liability coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance coverages explained

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as medical expenses, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane, vandalism, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, nursing services and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Leaf.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This coverage pays for damage to your Leaf caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Pennies from heaven

A few companies may not provide rates over the internet and most of the time these small insurance companies sell through independent insurance agencies. More affordable auto insurance is possible online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.

When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage only to find out that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

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