How Much Does 2015 Nissan Leaf Insurance Cost?

Nobody I know fancies paying their premiums for auto insurance, especially when it costs too dang much.

There are many car insurance companies to pick from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to compare rates.

It is always a good idea to compare prices on a regular basis because auto insurance prices change frequently. Even if you got the best deal on Leaf coverage six months ago other companies may now be cheaper. There is lot of inaccurate information about auto insurance on the internet, but in just a couple of minutes you can learn the easiest ways to slash your auto insurance rates.

Lower insurance rates with these tips

An important part of buying insurance is that you know some of the elements that are used to determine your premiums. When you understand what impacts premium levels, this helps enable you to make changes that may reward you with much lower annual insurance costs. Lots of factors are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are less apparent such as your credit history and annual miles driven.

• More mileage equals more premium – The more you drive each year the more it will cost to insure it. A lot of insurance companies rate vehicles based on their usage. Cars used primarily for pleasure use receive lower rates than vehicles that have high annual mileage. Improper usage on your Leaf may be costing you. Make sure your vehicle rating reflects annual mileage.
• Policy add-ons may not be needed – There are a lot of extra coverages that sound like a good idea at the time if you aren’t diligent. Things like replacement cost coverage, towing, and motor club memberships are probably not needed. They may sound like good ideas when you first buy your policy, but if you don’t need them remove them from your policy.
• Driving citations are costly – Good drivers pay less for auto insurance than their less careful counterparts. Having just one chargable violation may cause rates to rise by twenty percent. Drivers who have multiple citations like DUI or reckless driving may find they need to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
• Teen drivers pay more – More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents , and usually have better credit.Inexperience drivers are statistically shown to be easily distracted in a vehicle so car insurance rates are higher.
• Defend yourself with liability insurance – The liability section of your policy kicks in if ever you are responsible for physical damage or personal injury to other. It provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Compare auto insurance quotes

The are a couple different ways to obtain and compare prices from different insurance companies. The simplest method to find affordable Nissan Leaf insurance rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating separate quote forms for every auto insurance company. One form will get you rate comparisons from all major companies.
2. Another way to analyze rates requires visiting each company website to complete their respective quote request forms. For instance, let’s assume you need rates from State Farm, Liberty Mutual and Geico. You would have to go to each individual site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
3. The last way to compare rates is to spend time driving to and from local insurance agencies. Quoting online eliminates the need for an insurance agent unless you have a need for the professional abilities that you can only get from talking to an agent. Although, it is possible price shop online but buy the policy through an agent.

How you compare quotes is your choice, just make sure you use identical deductibles and coverage limits on every price quote you get. If you compare unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Nissan Leaf. Even a minor difference in coverages can result in a big premium difference. And when quoting auto insurance, remember that comparing more company’s prices will improve the odds of getting a better price.

Do you really save 40% when you switch?

Popular insurance providers such as State Farm and Allstate regularly use television and radio advertisements. All the companies advertise the message of big savings if you switch to them. How can each company have lower policy pricing? This is the trick they use.

Insurance companies have specific guidelines for the type of driver that makes them money. An example of a profitable customer could possibly be over the age of 50, has other policies, and drives newer vehicles. A customer who matches those parameters will probably get cheap prices as well as pay quite a bit less when switching companies.

Insureds who do not match these standards will get higher prices and the driver buying from a lower-cost company. The trick companies use is to say “customers that switch” not “everyone that quotes” save the amount stated. That’s the way companies can truthfully make it sound like they have such great rates.

This really emphasizes why you need to compare rate quotes every year. Because you cannot predict the company that will be your best fit.

Get cheaper insurance coverage with discounts

Auto insurance companies don’t necessarily list every policy discount very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

• New Vehicle Savings – Buying a new car model can save up to 30% because new model year vehicles keep occupants safer.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
• Claim-Free Discount – Drivers who stay claim-free pay less in comparison with drivers who are more careless.
• Bundled Policy Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
• Life Insurance Discount – Not all insurance coverage companies offer life insurance, but some may give you a lower price if you buy a life insurance policy as well.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up can save up to 15% on the medical payments or PIP coverage costs.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you can get free auto insurance, insurance coverage companies aren’t that generous.

A list of companies and their possible discounts are outlined below.

• Geico has discounts for seat belt use, anti-lock brakes, membership and employees, air bags, and federal employee.
• MetLife may include discounts for defensive driver, good driver, accident-free, multi-policy, claim-free, and good student.
• Progressive offers discounts including homeowner, continuous coverage, good student, online signing, multi-policy, and online quote discount.
• Travelers policyholders can earn discounts including continuous insurance, IntelliDrive, student away at school, multi-policy, and home ownership.
• SAFECO includes discounts for drive less, bundle discounts, multi-car, teen safety rewards, anti-theft, and homeowner.
• AAA may offer discounts for multi-policy, good student, AAA membership discount, anti-theft, education and occupation, and good driver.

When quoting, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not be available in your area.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

• What is covered by UM/UIM coverage?
• When should I drop full coverage on my 2015 Nissan Leaf?
• Are my friends covered when driving my car?
• Do I need to file an SR-22 for a DUI in my state?
• How do I insure my teen driver?
• Is upholstery damage covered by car insurance?
• Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Auto liability insurance – Liability coverage protects you from damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people’s vehicles, court costs, repair costs for stationary objects, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverage – Collision coverage pays for damage to your Leaf resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, rolling your car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2015 Nissan Leaf.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, damage from flooding and theft. The highest amount 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.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, surgery, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your 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 is not universally available and gives slightly broader coverage than med pay

Make an honest buck

Some insurance companies may not offer the ability to get a quote online and most of the time these smaller companies provide coverage only through local independent agencies. Cheap 2015 Nissan Leaf insurance can be bought on the web and from local agencies, so you should compare both to have the best selection.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and learned later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Additional auto insurance information is available below:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)