2015 Nissan Leaf Insurance Quotes – 9 Savings Tips

Drivers have options when trying to find affordable Nissan Leaf insurance. You can either waste hours driving around getting price quotes or leverage the internet to make rate comparisons. There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to quote coverages for a new or used Nissan and get the cheapest rates either online or from local insurance agents.

You need to do rate comparisons occasionally because rates trend upward over time. Despite the fact that you may have had the lowest price for Leaf insurance a few years ago a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because you’re about to learn the best methods to properly buy coverages and cut your premium.

Discounts are great for lower rates

Companies that sell car insurance don’t always advertise all available discounts very clearly, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Multiple Cars – Having all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Homeowners Pay Less – Owning a house may trigger a auto insurance policy discount because owning a home requires personal responsibility.
  • 55 and Retired – Older drivers may receive reduced rates for Leaf insurance.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Leaf insurance than drivers with accidents.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers offering auto insurance discounts, follow this link.

Low Cost Insurance

Finding a better price on insurance is not rocket science. You just need to invest a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing repetitive form submissions for each company you want a rate for. One form will get you rate comparisons from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to find lower rates requires a trip to the website for each individual company to complete a price quote. For example, we’ll assume you want comparison quotes from USAA, Safeco and Farmers. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits for each comparison quote. If you have mixed coverages then you won’t be able to determine the best price for your Nissan Leaf.

You may need specialized coverage

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • When should I drop full coverage on my 2015 Nissan Leaf?
  • What is the minimum liability in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I missing any policy discounts?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

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

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability car insurance

This protects you from damage that occurs to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, theft and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for things like hospital visits, rehabilitation expenses, surgery, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2015 Nissan Leaf.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage on a shoestring budget

We covered a lot of techniques to compare 2015 Nissan Leaf insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from some of the smallest insurance companies.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Insureds switch companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, lack of trust in their agent or even high prices. It doesn’t matter why you want to switch finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

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