Cheaper 2017 Nissan Leaf Insurance Cost

Did you come to the realization that you have an underperforming, overpriced insurance policy? Believe me, there are lots of people in the same boat. People have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare company pricing.

First Step: Get free car insurance quotes

Lowering your 2017 Nissan Leaf car insurance rates can be surprisingly simple. You just have to take the time getting comparison quotes to discover which company has cheap auto insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate quote forms for each price estimate. Completing one form gets rate comparisons direct from many companies.

A more time consuming way to find lower rates requires a visit to the website of each company to request a price quote. For examples sake, we’ll pretend you want rates from State Farm, Geico and Progressive. You would need to go to every website and type in your information over and over, which can take a lot of time. To view a list of companies in your area, click here.

The final way to comparison shop rate quotes is to drive around to and from local insurance agencies. Shopping for car insurance online has made agencies unnecessary unless you have a complicated situation and need the extra assistance only provided by licensed agents. However, consumers can compare online quotes but still have the advice of a local agent.

How you compare quotes is your choice, just try to use identical coverages on every price quote you get. If each company quotes different coverage information it will be impossible to determine which rate is truly the best.

You may qualify for discounts

Some companies do not list every discount very well, so below is a list some of the more common as well as the least known credits available to you.

• Air Bag Discount – Factory air bags can qualify for discounts as much as 30%.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
• Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
• Defensive Driver – Taking time to complete a driver safety class could possibly earn you a 5% discount and also improve your driving technique.
• Sign Online – Some of the larger companies will provide an incentive get auto insurance on your computer.
• Discount for Home Ownership – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
• Claim-Free Discount – Insureds who avoid accidents and claims pay less when compared to drivers who are more careless.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies and some of their more popular discounts include:

• State Farm may have discounts that include safe vehicle, good driver, student away at school, Steer Clear safe driver discount, multiple policy, and driver’s education.
• American Family discounts include early bird, accident-free, defensive driver, air bags, multi-vehicle, and good driver.
• Geico offers discounts for military active duty, daytime running lights, anti-theft, driver training, seat belt use, air bags, and emergency military deployment.
• 21st Century policyholders can earn discounts including teen driver, driver training, homeowners, student driver, and automatic seat belts.
• Progressive has discounts for homeowner, multi-vehicle, online quote discount, good student, online signing, and continuous coverage.

Before purchasing a policy, check with each insurance company the best way to save money. A few discounts might not apply in your area. To locate auto insurance companies that offer discounts, follow this link.

There’s no such thing as the perfect insurance policy

When it comes to buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your insurance needs might need professional guidance.

• Is a fancy paint job covered?
• Does my personal policy cover me when driving out-of-state?
• What if I owe more than I can insure my car for?
• What are the best liability limits?
• Do I have coverage when using my vehicle for my home business?
• I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Collision insurance

Collision coverage pays for damage to your Leaf from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability car insurance

This can cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, funeral expenses and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, a broken windshield, hitting a bird, damage from flooding and falling objects. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like dental work, prosthetic devices and EMT expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay