2018 Nissan Leaf Car Insurance Cost

Trying to find lower insurance rates for your Nissan Leaf? Think you have overpriced insurance? Believe me when I say there are lots of residents who feel the same.

Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare insurers to get the cheapest price

You should take the time to do rate comparisons at least once a year because insurance prices go up and down regularly. If you had the best deal on Leaf coverage at your last renewal you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because it’s time to teach you the proper way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you should be able to save some money using this information. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers benefit from understanding the methods companies use to market on the web.

Get lower-cost insurance coverage with these tips

Part of the insurance coverage buying process is learning a few of the rating criteria that help calculate insurance coverage rates. If you understand what influences your rates, this enables informed choices that can earn you lower rates. Lots of factors are considered when quoting car insurance. Some are pretty understandable like a motor vehicle report, although some other factors are more transparent such as your marital status and annual miles driven.

Listed below are a partial list of the pieces used by companies to determine your rate level.

  • Traffic violations hurt – Having just one driving citation can increase rates by as much as thirty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get flagrant violations such as DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with the DMV in their state in order to legally drive.
  • Pay more of a claim out-of-pocket – Physical damage insurance, also called comprehensive and collision insurance, protects your Nissan from damage. A few examples of covered claims would be running into the backend of another car, damage caused by hail, and rolling your vehicle. Your deductibles state the amount of money you are willing to pay out-of-pocket if the claim is covered. The more expense the insured is willing to pay, the lower your rates will be on Leaf coverage.
  • A lpolicy lapse is a bad thing – Driving your car without having proper coverage can get your license suspended and insurance coverage companies will penalize you for letting your coverage lapse. Not only will you pay more, being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Certain occupations pay higher rates – Did you know that where you work can have an impact on rates? Jobs such as doctorspolice officers and dentists have higher premium rates due to stressful work requirements and incredibly demanding work hours. Other careers such as professors, athletes and homemakers generally pay rates lower than average on Leaf coverage.
  • Eliminate add-on coverages – There are a ton of add-on coverages that can add up but may not be useful. Things like coverage for rental cars, accident forgiveness, and extra life insurance coverage may be costing you every month. They may seem good when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Male costs may be higher – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. Both sexes are responsible for fender benders in similar percentages, but men have accidents that have higher claims. Men also get ticketed for serious violations like reckless driving and DUI.
  • Liability insurance – Your insurance coverage policy’s liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Low mileage costs less – The higher the miles on your Nissan every year the more you’ll pay to insure your vehicle. Most companies calculate rates determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than cars that get driven a lot. Verify your insurance coverage policy states the correct usage for each vehicle. Incorrect rating for your Leaf can cost quite a bit.

The best way we recommend to compare insurance rates in your area is to know the fact almost all companies will pay a fee to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details including your credit rating estimate, coverage limits, your education level, and if you have a valid license. Those rating factors is then submitted to multiple insurance providers and you will get price comparisons very quickly.

If you would like to compare rates now, click here and complete the quick form.

Get cheaper rates with these discounts

Companies don’t always list their entire list of discounts very clearly, so below is a list both well-publicized and the more hidden discounts that may be available. If you are not receiving all the discounts you qualify for, you are just wasting money.

  • No Claims – Good drivers with no accidents have much lower rates as opposed to drivers who are more careless.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
  • College Student – College-age children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on Leaf coverage depending on your company.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you could save 5% or more.

Consumers should know that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Some companies that may offer some of the above discounts include:

When quoting, ask every insurance company which discounts you qualify for. Some credits may not apply in every state. If you would like to view companies that offer discounts, click here to view.

Auto insurance can be complex

When buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving a rental car?
  • Can my teen drive my company car?
  • What is the ISO rating for a 2018 Nissan Leaf?
  • Do I need replacement cost coverage?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like bail bonds, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Collision coverage

This pays for damage to your Leaf resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Compare but don’t skimp

Cheaper auto insurance is possible both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not have online quoting and most of the time these regional carriers prefer to sell through local independent agencies.

We just showed you many ways to save on 2018 Nissan Leaf insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

Much more information about auto insurance can be found on the following sites:

Comments About 2018 Nissan Leaf Insurance

  1. Alessandra Andrews

    Cheaper not always better. I live in a small town just outside of Dover, Delaware. Received quotes with USAA, Amica, Hartford, and Nationwide for my 2018 Nissan Leaf and I think I cut my rates about $60 each month. I used their online quote form to compare rates.

  2. Hugo Murphy

    I got a good deal I think. I live just to the south of Warren, MI. Got car insurance prices from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my Leaf and am saving around $140 a year. Have a couple speeding tickets too.