2014 Nissan Leaf Insurance Quotes – 10 Policy Discounts

Are you tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other drivers. Because there are so many choices, it can be challenging to choose the cheapest car insurance company.

It’s important to check auto insurance prices quite often since insurance rates change quite often. Even if you think you had the best deal on Leaf insurance last year the chances are good that you can find a lower rate today. So ignore everything you know about auto insurance because you’re about to learn the best way to save money, get proper coverage and the best rates.

Buying more affordable auto insurance coverage is not that difficult. If you have insurance now or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. Vehicle owners only need to know the proper way to compare prices online.

Free Quotes for Insurance

Effectively comparing insurance prices can be a daunting task if you don’t utilize the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to maximize your effort.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and every company provides a quote based on the submitted data. This system prevents you from having to do form submissions to every company.

To use this form to compare 2014 Nissan Leaf insurance rates click to open in new window.

One minor caviat to doing it this way is you are unable to specify which providers to get pricing from. If you wish to select from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare exactly the same quote information on every quote. If the quotes have different values for each quote it will be next to impossible to determine the lowest rate for your Nissan Leaf.

Companies offer discounts so take them!

Car insurance is not cheap, but there are discounts available to help offset the cost. Some trigger automatically at the time of quoting, but a few need to be specially asked for before you get the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Accident Free – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Drivers Ed for Students – Have your child take driver’s ed class in school.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.

Consumers should know that most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will help reduce your overall premium however.

To see a list of insurance companies with the best car insurance discounts, click here to view.

Do I just need basic coverages?

When buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are rental cars covered under my policy?
  • What if I don’t agree with a claim settlement offer?
  • Will filing a claim cost me more?
  • Do I need rental car coverage?
  • Why is insurance for a teen driver so high?
  • Should I have a commercial auto policy?
  • Is my custom paint covered by insurance?
  • What companies insure drivers after a DUI or DWI?

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 agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Coverage specifics

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – 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 medical payments for you and your occupants and damage to your 2014 Nissan Leaf.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability – This coverage provides protection from damage or injury you incur to a person or their property by causing 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. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like court costs, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision – This coverage covers damage to your Leaf resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, rock chips in glass, hitting a deer and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, EMT expenses, X-ray expenses, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Shop smart and save

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate.

Throughout this article, we presented a lot of ways to reduce 2014 Nissan Leaf insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a small mutual company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

For more information, feel free to browse the following helpful articles: