2013 Nissan Leaf Car Insurance Rates – 8 Policy Discounts

Searching for the cheapest insurance rates for your Nissan Leaf? Finding cheap premium rates on insurance may be difficult for people not familiar with comparison shopping online. There are so many choices that it can turn into a lot of work to locate the lowest price.

Do you qualify for discount insurance coverage?

Companies that sell car insurance do not advertise the entire discount list in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

  • Multi-policy Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you could get a discount of up to 20% off your total premium.
  • Auto/Life Discount – Insurance coverage companies who offer life insurance give better insurance coveragerates if you take out life insurance from them.
  • Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
  • Payment Discounts – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Savings for New Vehicles – Buying a new car instead of a used car can get you a discount since new model year vehicles are generally safer.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Active Military Service – Being on active deployment in the military may lower your insurance coverage rates slightly.
  • Federal Employees – Having worked for a branch of the government could provide a small rate reduction for Leaf coverage depending on your insurance coverage provider.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it appears you can get free auto insurance, companies wouldn’t make money that way. But all discounts will definitely reduce your premiums.

Some of the insurance companies that may offer many of the previously listed discounts are:

When comparing rates, check with every insurance company the best way to save money. Some discounts listed above might not apply in your state.

What insurance coverages do I need?

When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether or not you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my insurance cover a custom paint job?
  • Which companies will insure high-risk drivers?
  • Am I covered if I drive in a foreign country?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Well known brands might not be cheapest

Well-known car insurance companies like Allstate, GEICO and Progressive consistently run ads in print and on television. They all say the same thing about saving some big amount if you just switch your coverage to them. How does every company save you money?

Insurance providers have specific criteria for the type of insured that will add to their bottom line. For example, this type of risk profile might be described as a female over age 40, has never had a policy lapse, and does not commute to work. A propective insured that fits those parameters will get the preferred rates and will probably save some money.

People who don’t qualify for those standards must pay a more expensive rate and ends up with the customer buying from a different company. The trick companies use is to say “customers that switch” not “everyone who quotes” save that kind of money. That’s why companies can truthfully make claims that they all have the best rates.

Because every company is different, it’s extremely important to quote coverage with many companies. It’s not possible to predict with any certainty which company will provide the lowest prices.

Specific coverage details

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability – This coverage can cover damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, loss of income, bail bonds and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision – This will pay to fix damage to your Leaf resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, chiropractic care, dental work and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Leaf.

Since a lot of 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 should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield, hitting a deer and theft. The maximum amount you’ll receive from a 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.

More quotes mean more savings

Some insurance companies do not offer the ability to get a quote online smaller companies sell through independent insurance agents. Lower-priced auto insurance can be found on the web as well as from insurance agents, and you need to comparison shop both to have the best selection.

As you quote insurance, do not reduce needed coverages to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

You just read a lot of information how to save on 2013 Nissan Leaf insurance. The key concept to understand is the more you quote insurance, the higher your chance of finding the cheapest insurance. Drivers may discover the best price on auto insurance is with a small mutual company.

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