Cheaper 2011 Nissan Leaf Insurance Cost

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Big companies like Progressive, State Farm and Geico promote their brand names with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

If you currently have car insurance, you should be able to save some money using this information. Buying car insurance is not rocket science. But consumers do need to know the way insurance companies price online insurance and use this information to your advantage.

Comparison of Insurance Coverage

When shopping for insurance coverage there are multiple ways of comparing price quotes and find the best price. The simplest method to find competitive 2011 Nissan Leaf insurance rates consists of shopping online. It is quite easy and can be accomplished in several different ways.

  • The first (and easiest) way to find the lowest comparison rates is a comparison rater form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company. In just a few minutes this one form gets you coverage quotes instantly.
  • A more difficult way to get comparison quotes requires you to visit each company website and fill out their own quote form. For examples sake, we’ll assume you want rates from State Farm, Allstate and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The least recommended way of getting rate comparisons is driving to local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you have a need for the professional advice only provided by licensed agents. However, consumers can obtain prices from the web but still have the advice of a local agent.

It’s up to you which method you use, but compare apples-to-apples coverage information for every company. If you enter unequal deductibles or liability limits you will not be able to make an equal comparison. Slightly different coverage limits may result in large price differences. And when price shopping your coverage, getting more free quotes gives you a better chance of getting the best rates.

Don’t overlook these discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but lesser-known reductions have to be asked for prior to getting the savings.

  • Low Mileage Discounts – Keeping the miles down on your Nissan could qualify for a substantially lower rate.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Leaf coverage with a few insurance coverage companies.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Homeowners Discount – Owning a home can help you save on insurance coverage because owning a home is proof that your finances are in order.
  • Senior Discount – If you’re over the age of 55, you may be able to get better insurance coverage rates for Leaf coverage.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

A little note about advertised discounts, many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. But any discount will reduce the amount you have to pay.

To see a list of providers offering insurance coverage discounts, click here.

Is my situation unique?

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Is upholstery damage covered by car insurance?
  • Why am I required to buy high-risk coverage?
  • How much liability do I need to cover my assets?
  • Is my cargo covered for damage or theft?
  • Should I carry comprehensive and collision coverage?
  • Does my 2011 Nissan Leaf need full coverage?
  • What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Your Nissan Leaf insurance rate is a complex equation

Consumers need to have an understanding of the rating factors that come into play when calculating car insurance rates. Understanding what impacts premium levels enables informed choices that can help you get big savings.

  • Rate your vehicle for proper use – The more miles you rack up on your Nissan every year the more you will pay for car insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Autos left parked in the garage get more affordable rates compared to those used for work or business. Improper usage on your Leaf may be costing you. Make sure your car insurance policy is rated on how each vehicle is driven.
  • How’s your driving record? – A bad driving record has a big impact on rates. Drivers with clean records have lower premiums than bad drivers. Just one moving violation may increase your cost forty percent or more. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Where you live can impact rates – Living in a small town can save you money when buying car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers tend to have traffic congestion and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Frequent car insurance claims increase rates – Companies award better rates to drivers who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for larger claims.
  • Marriage brings a discount – Having a spouse actually saves money on your car insurance policy. It is viewed as being more mature and responsible and statistics show married couples file fewer claims.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a sure-fire way to increase your car insurance rates. Not only will you pay more, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Save $447 a year? Really?

Auto insurance companies such as Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise about savings if you switch to them. How does each company say the same thing?

Different companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a driver they prefer might be profiled as between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably save when switching.

Consumers who don’t qualify for the “perfect” profile will be charged a higher premium which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much. That is how companies can truthfully state the savings.

That is why it’s extremely important to compare as many rates as you can. It is impossible to predict which insurance companies will have the lowest Nissan Leaf insurance rates.

Coverages available on your insurance policy

Knowing the specifics of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, doctor visits, chiropractic care, hospital visits and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding, damage from getting keyed and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Leaf.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – This will pay to fix damage to your Leaf resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Better coverage you can count on

Low-cost 2011 Nissan Leaf insurance can be sourced both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. In many cases, an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

In this article, we presented many ways to shop for insurance online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on insurance is with a lesser-known regional company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Much more information about insurance is available at the links below