View 2014 Nissan Leaf Insurance Rates

Comparison shopping for cheap auto insurance can be difficult for beginners to quoting and comparing prices online. With literally dozens of companies in the marketplace, it can easily become hard work to find the best coverage rates.

Use discounts to get cheaper insurance coverage rates

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be requested specifically before being credited.

  • Federal Employees – Active or former government employment may reduce rates when you quote car insurance for Leaf insurance depending on your company.
  • Telematics Devices – Insureds that choose to allow driving data submission to spy on driving manner by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Own a Home and Save – Simply owning a home can save you money because maintaining a house means you have a higher level of financial diligence.
  • Save with More Vehicles Insured – Buying insurance for all your vehicles with the same insurance coverage company can get a discount for every vehicle.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Fewer Miles Equal More Savings – Driving less could qualify for discounted prices on garaged vehicles.
  • Senior Discount – Older drivers may be able to get a slight reduction on a car insurance quote for Leaf insurance.
  • Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% for Leaf insurance as compared to drivers with claims.
  • Paper-free Discount – A few larger online companies will give a small break simply for signing over the internet.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, you won’t be that lucky.

Some of the insurance companies who may offer most of these discounts include:

Before buying, ask each company or agent which discounts you qualify for. Savings may not apply to policyholders in every state.

How to get free insurance quotes online

Most larger insurance companies like GEICO, State Farm and Progressive give pricing on their websites. Getting prices online is fairly simple as all you need to do is type in your coverage information on the page. Upon sending the form, the quote system will obtain your credit score and driving record and generates pricing information based on the data you entered.

Quoting online streamlines rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to find a better rate.

Compare rates the easy way

The easiest way to compare insurance pricing uses one simple form that gets price quotes from several different companies. It’s a real time-saver, reduces the work, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose any of the quote results.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings.

To get comparison pricing now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you input coverages and limits identical to your current policy. Using the same limits helps guarantee you will get a rate comparison based on identical coverages.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Can I afford low physical damage deductibles?
  • Should I rate my 2014 Nissan Leaf as pleasure use or commute?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Why do I need rental car insurance?
  • I have a DUI can I still get coverage?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance specifics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance covers damage to your Leaf caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as EMT expenses, X-ray expenses, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, rock chips in glass, hail damage, damage from flooding and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop smart and save

Budget-conscious 2014 Nissan Leaf insurance can be sourced online and from local agencies, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer rate quotes online and usually these small, regional companies only sell through local independent agencies.

We’ve covered quite a bit of information on how to save on 2014 Nissan Leaf insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper car insurance. You may even discover the most savings is with the smaller companies.

As you restructure your insurance plan, never buy poor coverage just to save money. In many cases, drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

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