Lower Your 2018 Nissan Leaf Car Insurance Rates

Searching for the cheapest car insurance rates for your Nissan Leaf? Do you get exhausted from wondering where the money will come from to make your car insurance payment? You have the same problem as most other drivers. Due to the abundance of different company options, it can be hard to find the right company.

How to lower your insurance cost

There are a variety of methods to shop for insurance, but there is one way that is less time-consuming than others. You can spend your afternoon talking about coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many companies participate in a marketplace that enables customers to submit their information once, and every company returns a competitive quote for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To use this form to compare rates click here to open in new window.

The only drawback to using this type of system is you don’t know exactly which insurance companies you want pricing from. So if you want to select from a list of companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to use the same quote information on every price quote you get. If you enter different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.

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Insurance coverage rates and discounts

Some insurers do not advertise all possible discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits that may apply to you.

Switch and Save Discount – Some larger companies reward drivers for switching policies before your current policy expires. This discount can save up to 10%.
New Vehicle Savings – Insuring a vehicle that is new can get you a discount since newer vehicles have better safety ratings.
Low Mileage – Fewer annual miles on your Nissan may enable drivers to earn better insurance coveragerates on cars that stay parked.
College Student Discount – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle could qualify for this discount.
Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, Allstate and Liberty Mutual will allow you to have one accident without raising rates if you have no claims before the accident.
Senior Citizens – Drivers that qualify as senior citizens may qualify for a small discount on rates for Leaf coverage.
Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
No Accidents – Drivers who don’t have accidents have much lower rates compared to drivers who are more careless.
Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts as much as 30%.

You should keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

A list of insurance coverage companies and the discounts they provide are shown below.

State Farm has savings for anti-theft, multiple autos, driver’s education, accident-free, and Steer Clear safe driver discount.
GEICO offers premium reductions for good student, multi-policy, driver training, military active duty, anti-theft, multi-vehicle, and seat belt use.
Liberty Mutual discounts include new vehicle discount, teen driver discount, multi-policy, newly married, exclusive group savings, and good student.
The Hartford may offer discounts for vehicle fuel type, air bag, bundle, driver training, and anti-theft.
MetLife includes discounts for defensive driver, claim-free, accident-free, good student, good driver, multi-policy
Progressive offers discounts including multi-policy, online signing, good student, homeowner, and multi-vehicle.

If you want cheaper insurance coverage quotes, ask each insurance company which discounts they offer. Discounts may not apply to policyholders in your area.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining if your situation may require specific advice.

What are the best liability limits?
How much liability insurance is required?
Can I afford low physical damage deductibles?
Am I covered when driving in Canada or Mexico?
Why am I required to buy liability insurance?
How much can I save by bundling my policies?
Does my insurance cover my expensive audio equipment?
Are split liability limits better than a combined single limit?
When would I need additional glass coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Liability coverage – This will cover damage or injury you incur to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like structural damage, loss of income, medical services, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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

Collision insurance covers things like rolling your car, backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as X-ray expenses, hospital visits, chiropractic care and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage