2014 Nissan Leaf Insurance Quotes – 10 Tips for Cheaper Rates

Searching for the cheapest insurance rates for your Nissan Leaf? Locating the cheapest insurance for a Nissan Leaf can be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance so you’re going to learn the proper way to price shop coverage for a Nissan and get the best price possible.

If you have insurance now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Finding the cheapest protection can be fairly easy. Consumers only need an understanding of the tricks to buy insurance coverage online.

Car insurance policy discounts

Car insurance can be pricey, but there could be significant discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but less common discounts must be asked for in order for you to get them.

  • Paperwork-free – Some of the larger companies will discount your bill up to fifty bucks get insurance coverage on the internet.
  • Military Rewards – Being deployed in the military may lower your premium rates slightly.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts up to 30%.
  • Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for cheaper premium rates.
  • Pay Early and Save – By making one initial payment instead of paying each month you can avoid the installment charge.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Senior Citizen Discount – If you’re over the age of 55, you are able to get a slight reduction on a insurance coverage quote for Leaf insurance.
  • No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote in comparison with frequent claim filers.

It’s important to understand that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

Some of the larger companies who might offer most of the discounts above include:

When quoting, ask all companies you are considering which discounts they offer. Some credits might not be available to policyholders in your area.

Where can I get affordable insurance?

Effectively comparing insurance prices can be a lot of work if you don’t utilize the most efficient way to do it. You can waste a lot of time driving to insurance agencies in your area, or you could use online quoting to get pricing more quickly.

Most of the larger companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions for every insurance company.

To enter your information into the quoting system, click to open in new window.

The only downside to getting quotes like this is you don’t know exactly which companies to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we have a page of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, do your best to enter identical coverages and limits on every price quote you get. If you enter different deductibles it’s impossible to decipher which rate is best.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • Is pleasure use cheaper than using my 2014 Nissan Leaf to commute?
  • How do I insure my teen driver?
  • How many claims can I have before being cancelled?
  • Should I get collision insurance on every vehicle?
  • Which companies will insure high-risk drivers?
  • Should I buy only the required minimum liability coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, chiropractic care, hospital visits, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Leaf.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

This coverage covers damage to your Leaf resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability

This coverage protects you from damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Have money to burn

Drivers leave their current company for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, policy cancellation and poor customer service. It doesn’t matter why you want to switch finding a new company is less work than it seems.

Budget-friendly auto insurance can be bought online as well as from insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some companies do not offer online rate quotes and many times these smaller providers only sell coverage through local independent agencies.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at the best cost while still protecting your assets.

Much more information about auto insurance can be found on the following sites: