Cheaper 2015 Nissan Leaf Insurance Cost

Trying to find the cheapest insurance rates for your Nissan Leaf? Have you had enough of being strong-armed to make your insurance payment? You are no different than many other drivers.

There are many insurance companies to choose from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates and cut insurance costs.

You should take the time to shop coverage around on a regular basis due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rate on Leaf insurance six months ago you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because you’re about to learn the proper way to save money, get proper coverage and the best rates.

Discounts can really help save money

Not many people think insurance is cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Most are applied when you quote, but some must be requested specifically prior to getting the savings. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Accident-free drivers can save as much as half off their rates on Leaf insurance compared to accident prone drivers.
  • ABS Brakes – Cars with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • No Charge for an Accident – but some companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident without raising rates as long as you don’t have any claims for a certain period of time.

One last thing about discounts, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

A few popular companies and some of the discounts can be found below.

  • State Farm may include discounts for accident-free, defensive driving training, anti-theft, multiple policy, student away at school, and safe vehicle.
  • GEICO has discounts for federal employee, driver training, membership and employees, defensive driver, multi-policy, air bags, and anti-lock brakes.
  • Allstate may have discounts that include FullPay discount, auto/life discount, safe driver, multi-policy, premier discount, anti-theft, and new car.
  • SAFECO offers discounts including teen safe driver, accident prevention training, multi-car, safe driver, and teen safety rewards.
  • Farm Bureau has savings for youthful driver, multi-policy, good student, multi-vehicle, 55 and retired, renewal discount, and safe driver.
  • Progressive offers premium reductions for good student, continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, and online signing.
  • AAA may offer discounts for pay-in-full, good student, AAA membership discount, education and occupation, good driver, multi-car, and multi-policy.

Check with all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state.

What affects Nissan Leaf insurance costs?

Smart consumers have a good feel for some of the elements that aid in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can earn you lower rates.

The items below are some of the most common factors insurance coverage companies consider when setting prices.

  • Low credit history equals high prices – Having a good credit score can be an important factor in calculating your insurance coverage rates. Drivers who have very good credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings. Therefore, if your credit rating could use some work, you could save money insuring your 2015 Nissan Leaf by spending a little time repairing your credit.
  • Premiums are high for teenagers – Inexperience drivers have been known to be less responsible in a vehicle so insurance coverage rates are higher. Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Theft deterrents systems cut rates – Choosing to buy a car with an alarm system can get you a discount on your insurance coverage. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft and help bring rates down.
  • Rate your vehicle for proper use – Driving a lot of miles every year the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos left parked in the garage receive better premium rates than vehicles that are driven to work every day. It’s always a good idea to double check that your insurance coverage policy reflects how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Leaf may be wasting your money.
  • Combine and save – Most major insurance companies allow better rates to insureds that have more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to get quotes from other companies to make sure you are getting the best deal.
  • Better prices on cars with good safety ratings – Vehicles with high crash test scores get lower rates. Safer cars reduce the chance of injuries and fewer serious injuries means less claims paid and lower rates for you. If the Nissan Leaf is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Certain vocations pay higher rates – Careers such as judgesairline pilots and dentists have the highest rates because of intense work requirements and long work hours. Other professions such as farmers, historians and retirees pay the least on Leaf insurance.

Will just any policy work for me?

When choosing coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Does car insurance cover theft of personal property?
  • Should I waive the damage coverage when renting a car?
  • Do I need medical payments coverage since I have good health insurance?
  • What is an SR-22 filing?
  • How much can I save by bundling my policies?
  • What is PIP insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Do drivers who switch really save?

Insurance providers like Allstate and Progressive endlessly run ads on TV and radio. They all state the claim that you can save if you just switch to them. How can each company say the same thing? This is the way they can do it.

Companies give the cheapest rates for the type of insured that earns them a profit. For instance, a driver they prefer could be between the ages of 30 and 50, has had continuous coverage, and drives a safe vehicle. Someone who matches those parameters will get very good rates and have a good chance to cut their rates substantially.

Consumers who do not match this ideal profile will be quoted higher premiums and ends up with business not being written. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save money. That’s why companies can advertise the way they do. Because of this risk profiling, you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which insurance company will have the best rates.

Auto insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

Collision insurance

This coverage pays for damage to your Leaf resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Auto liability

This coverage protects you from damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like structural damage, court costs, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, ambulance fees 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. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, damage from a tornado or hurricane, hail damage and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Nissan Leaf.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

More comparisons equals lower rates

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time that they should have had better coverage. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.

More affordable car insurance is definitely available on the web as well as from insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and usually these small insurance companies work with independent agents.

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