2012 Nissan Leaf Car Insurance Quotes

Looking for cheaper insurance rates? Shoppers have options when shopping for affordable Nissan Leaf insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance and we’ll show you the best way to quote coverages for a Nissan and get the best price possible.

This information will let you in on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Consumers just need to understand the proper methods to find the lowest price on the web.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Most are applied at the time you complete a quote, but a few must be asked about before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • No Claims – Claim-free drivers pay much less as compared to bad drivers.
  • Defensive Driver – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • E-sign – Certain companies may give you up to $50 just for signing your application online.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Leaf coverage with certain companies.
  • Senior Discount – Mature drivers may receive a discount up to 10% on Leaf coverage.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Leaf coverage than drivers with accident claims.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will bring down your overall premium however.

Companies that may offer these benefits may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Discounts may not be available everywhere.

Nissan Leaf insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that help determine car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get better car insurance rates.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Marriage brings a discount – Getting married can get you a discount when buying car insurance. Having a spouse translates into being more responsible and it’s proven that married drivers get in fewer accidents.
  • Don’t buy coverages you don’t need – There are many additional coverages that you can get tricked into buying if you aren’t careful. Things like personal injury protection, accidental death and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so remove them from your policy.
  • How many coverages with the same company – Most insurers give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • How’s your driving record? – Just one citation can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to continue driving.

When should I talk to an agent?

When choosing proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • Do I need more liability coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I drive in a foreign country?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is the minimum liability in my state?
  • What is covered by UM/UIM coverage?
  • Where can I find high-risk insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Drivers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, Allstate and Geico. All the companies have a common claim that you can save if you change your policy.

How can each company say the same thing?

All companies can use profiling for the right customer that makes them money. An example of a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. A driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for the “perfect” profile will be charged higher rates which leads to business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. This is how companies can truthfully make the claims of big savings.

That is why drivers must get a wide range of price quotes. Because you never know which auto insurance company will fit your personal profile best.

The coverage is in the details

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.


Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like EMT expenses, doctor visits, dental work, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto collision coverage

This covers damage to your Leaf from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, colliding with a tree, sustaining damage from a pot hole, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Spend less. Save more.

When shopping online for insurance coverage, you should never reduce needed coverages to save money. Too many times, an insured cut liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate.

We just covered many ideas to save on 2012 Nissan Leaf insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with the least-expected company.

The cheapest insurance is possible on the web as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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