Cheaper 2014 Nissan Leaf Insurance Cost in 2024

Trying to find the cheapest auto insurance rates? Buyers have a choice when searching for the best price on Nissan Leaf insurance. You can either spend your time calling around getting price quotes or use the internet to compare rates.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to price shop coverage on a Nissan and find the lowest possible price either online or from local insurance agents.

Ways to get auto insurance quotes

There are multiple methods to compare auto insurance quotes, but some are less time-consuming than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use the internet for quick rates.

Most major companies take part in a program where insurance shoppers send in one quote, and every company can give them a price based on that data. This system prevents you from having to do repetitive form submissions to each company.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to pricing coverage this way is you cannot specify which carriers to receive prices from. If you prefer to choose individual companies to compare rates, we have a page of companies who write auto insurance in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but be sure you’re using exactly the same coverage limits on every quote. If each company quotes higher or lower deductibles it will be very difficult to determine which company has the best rates.

Insurance in the media

Consumers constantly see and hear ads that promise big savings from companies such as Progressive, Allstate and GEICO. All the companies make an identical promise that you can save if you switch to them.

How is it plausible that every one can make almost identical claims? It’s all in how they say it.

Companies give the cheapest rates for the right customer that will generate a profit. For example, this type of insured may be a mature driver, has never had a policy lapse, and insures a new vehicle. A customer getting a price quote that matches those criteria may get the lowest rates as well as cut their rates if they switch.

Potential insureds who are not a match for these criteria may be required to pay more expensive rates and ends up with business not being written. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save the amount stated. That’s why companies can make those claims.

That is why you need to compare quotes as often as possible. It’s just not possible to know with any certainty which company will have the best prices at this point in time.

Lower rate quotes by taking advantage of discounts

Car insurance companies don’t list every possible discount in an easy-to-find place, so the list below contains some of the best known as well as some of the hidden credits available to bring down your rates. If you’re not getting every credit you deserve, you are not getting the best rate possible.

• Professional Organizations – Being in certain professional organizations could qualify you for a break on your policy.
• Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Leaf coverage with some insurance coverage companies.
• Accident Forgiveness – This one isn’t a discount, but certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Theft Deterrent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
• Mature Driver Discount – Mature drivers can get a slight reduction on a insurance coverage quote on Leaf coverage.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
• Life Insurance – Some insurance companies give better premium rates if you take out some life insurance too.
• E-sign – Certain larger companies will give you a small discount just for signing your application on your computer.

As a sidenote, many deductions do not apply to the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Large insurance coverage companies and a summarized list of policyholder discounts can be read below.

• Farmers Insurance may have discounts that include teen driver, youthful driver, business and professional, multi-car, and mature driver.
• Esurance offers premium reductions for multi-car, anti-theft, renters, emergency road assistance, DriveSense, safety device, and good student.
• State Farm offers discounts including passive restraint, defensive driving training, driver’s education, good driver, student away at school, multiple autos, and anti-theft.
• GEICO may include discounts for good student, multi-policy, defensive driver, anti-lock brakes, and emergency military deployment.
• Allstate may offer discounts for premier plus, anti-theft, defensive driver, resident student, economy car, multi-policy, and teenSMART discount.

Before purchasing a policy, check with every prospective company to give you their best rates. Some discounts might not be offered everywhere. To see a list of companies with significant discounts, enter your zip code here.

How much insurance do I need?

When choosing the best insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

• Does coverage extend to Mexico or Canada?
• What is PIP insurance?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered if I crash into my own garage door?
• Will my rates increase for filing one claim?
• What discounts do I qualify for?
• Does my policy cover my teen driver if they drive my company car?
• Do I need roadside assistance coverage?
• Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete your zip code. It is quick, free and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability insurance – Liability insurance will cover damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as legal defense fees, pain and suffering and loss of income. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, hitting a bird, fire damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Nissan Leaf.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses for things like dental work, funeral costs, chiropractic care, nursing services and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Smart consumers save more

We just showed you some good ideas how you can compare 2014 Nissan Leaf insurance premium rates online. The key concept to understand is the more companies you get prices for, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

Low-cost 2014 Nissan Leaf insurance is definitely available on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and usually these small, regional companies only sell through local independent agents.

When getting insurance coverage quotes online, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest price while still protecting your assets.