2013 Nissan Leaf Car Insurance Rates – 9 Tips for Cheaper Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 11, 2020

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Searching for the cheapest insurance rates for your Nissan Leaf? Are you sick and tired of robbing Peter to pay Paul to insure your Nissan every month? You are no different than millions of other consumers. Drivers have multiple insurers to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to get the best deal.

Consumers should take time to check insurance prices quite often because rates change frequently. Even if you got the lowest price for Leaf insurance on your last policy a different company probably has better rates today. Ignore everything you know about insurance because you’re about to find out how to quote online to get good coverage at a lower rate.

This information will teach you the most effective way to quote insurance. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to know the best way to shop on the web.

Save big with these nine discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied in order for you to get them. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Leaf insurance depending on your company.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up online.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings on your policy for Leaf insurance.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will reduce your overall premium however.

To see a list of insurers with discount car insurance rates, click here.

Cheap Auto Insurance Comparisons

There are several ways to shop for Nissan Leaf auto insurance, but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many popular insurance companies take part in a program where insurance shoppers complete one form, and each company then returns a price quote based on the submitted data. This saves time by eliminating quote forms to every company. To compare 2013 Nissan Leaf rates now click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose the providers you want to price. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages on every quote. If you compare different values for each quote it will be next to impossible to determine the lowest rate for your Nissan Leaf.

But I don’t know anything about car insurance

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I get collision insurance on every vehicle?
  • Do I have newly-aquired coverage?
  • What if I total my 2013 Nissan Leaf and owe more than it’s worth?
  • Is pleasure use cheaper than using my 2013 Nissan Leaf to commute?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

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Car insurance coverage specifics

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, falling objects, vandalism, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your Leaf caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, colliding with a tree, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Leaf.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability

This coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Another option is 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 like funeral expenses, emergency aid, structural damage, pain and suffering and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, pain medications and surgery. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Make an honest buck

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where drivers have reduced collision coverage and learned later that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

The cheapest 2013 Nissan Leaf insurance can be found both online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer online quoting and these regional insurance providers work with independent agents.

You just learned a lot of techniques to lower your insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Additional information can be read at the links below

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