View 2013 Nissan Leaf Insurance Quotes

Nobody I know likes paying for car insurance, especially knowing they are paying too much. There is such a variety of insurers to choose from, and although it’s nice to be able to choose, it can be more challenging to locate the cheapest rates.

This information will instruct you on how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Drivers just need to understand how to compare price quotes on the web.

Nissan Leaf rates influenced by many factors

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get lower insurance prices.

The list below includes a few of the “ingredients” used by your company to calculate your rates.

  • Discounts for multiple policies – Many insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to compare rates to ensure the best deal.
  • Low deductibles can be expensive – The deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply are colliding with a building, collision with an animal, and windstorm damage. The more you are required to pay out-of-pocket, the less your company will charge you for insurance for Leaf insurance.
  • Cautious drivers pay less – Your driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than their less careful counterparts. Only having one speeding ticket can increase rates forty percent or more. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Poor credit can mean higher rates – Your credit rating is a big factor in calculating your insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers with lower ratings. If your credit can use some improvement, you could save money insuring your 2013 Nissan Leaf by spending a little time repairing your credit.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Nissan Leaf earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Occupation reflects on rates – Did you know your job can affect your rates? Occupations such as real estate brokers, business owners and accountants tend to have higher rates than average due to stressful work requirements and long work days. On the flip side, occupations like scientists, athletes and performers receive lower rates for Leaf insurance.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and you will pay a penalty because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be inquired about before you get the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Leaf insurance than drivers with accidents.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Leaf insurance with certain companies.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

Keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

Insurance companies that may have some of the above discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. Discounts might not be offered in every state.

Can you really save that much by switching?

Consumers can’t get away from ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all seem to have a common claim of big savings if you move to them.

How can each company claim to save you money?

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer might be a mature driver, has no driving citations, and has a high credit rating. A customer who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who do not match this ideal profile will be charged a higher premium which leads to the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently advertise the savings.

That is why you should get as many quotes as possible. You cannot predict which insurance coverage company will have the lowest Nissan Leaf insurance rates.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • Is my teenager covered with friends in the car?
  • Am I covered if I crash into my own garage door?
  • Can I afford low physical damage deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I getting all the discounts available?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Nissan Leaf.

Due to the fact that many drivers only carry the minimum required liability 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. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills like EMT expenses, pain medications, chiropractic care, doctor visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Leaf caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance – This coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage 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. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like loss of income, medical services, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

More effort can pay off

We’ve covered many ways to get a better price on 2013 Nissan Leaf insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance comes from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Geico and State Farm.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

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