How Much Does 2017 Nissan Leaf Auto Insurance Cost?
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UPDATED: Apr 19, 2022
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Wish you could save money on your Nissan Leaf insurance costs? By comparing car insurance rates in your state and making sure you have the coverage you need, you can save on your monthly Nissan Leaf insurance rates.
Big companies like State Farm, Allstate, GEICO, and Progressive constantly bombard you with catchy ads and it is challenging, if not impossible, to not get sucked in by the cute commercials.
But if you take the time to shop coverage around you can find the best insurance for your Nissan Leaf at affordable rates.
How to Save on Car Insurance for a Nissan Leaf Car Insurance
An important part of buying insurance is that you know some of the elements that help determine your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can help you save on insurance costs for Nissan Leaf.
Lots of things are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but others are less obvious like your vehicle usage or your commute time.
- Auto insurance claim history – Auto insurance companies give cheaper rates to people who are claim-free. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
- Deductibles limits – Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket if the claim is covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims would be colliding with a stationary object, animal collisions, and having a roll-over accident. The more of the claim the insured is willing to pay, the less money you will pay for insurance for Leaf insurance.
- Occupation – Careers like judges, business owners, and financial analysts generally have higher average rates due to intense work requirements and lengthy workdays. On the other hand, careers such as actors, engineers, and retirees receive lower rates for Leaf insurance.
- Vehicle options – Owning a car with an alarm system can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
- Marital status – Walking down the aisle may cut your premiums on insurance. Marriage demonstrates that you tend to be more stable financially and insurance companies like that being married results in fewer claims.
- Credit history – Having a bad credit score factor in determining what you pay. Therefore, if your credit score can use some improvement, you could be paying less to insure your 2017 Nissan Leaf by improving your rating. Drivers with excellent credit scores tend to be better risks to insure than drivers with lower credit ratings.
- Driving history – How you drive impacts premiums far more than you think. Just one driving citation may increase your cost by as much as thirty percent. Careful drivers get better prices compared to drivers with tickets. Drivers who get severe violations such as DWI, reckless driving, or hit and run convictions may find that they have to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
- Age – Older people are viewed as being more responsible, tend to cause fewer accidents, and are generally more financially stable. Teenage drivers are statistically proven to be easily distracted behind the wheel and because of this, their insurance rates are much higher.
Nissan Leaf Car Insurance Auto Insurance Discounts
Some insurers don’t necessarily list all possible discounts in an easy-to-find place, so the list below details some of the best-known and also the lesser-known credits that may apply to you.
- Distant College Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
- No Claims – Drivers who stay claim-free pay less as opposed to frequent claim filers.
- Mature Driver Discount – Drivers that qualify as senior citizens are able to get reduced rates for Leaf insurance.
- Defensive Driver Discount – Participating in a defensive driving class can save you 5% or more and also improve your driving technique.
- Switch and Save Discount – A few auto insurance companies offer discounts for switching policies early. It’s a savings of about 10%.
- Passive Restraint Discount – Vehicles equipped with airbags or motorized seat belts can receive discounts of more than 20%.
- Homeowners Pay Less – Owning a house may earn you small savings because of the fact that having a home shows financial diligence.
- Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
You should keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay.
So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount should help lower the cost of your policy.
Which car insurance company is the cheapest? It depends. Some of the car insurance companies that offer many of the above discounts include:
- American Family
- The Hartford
Check with all companies you are considering which discounts you qualify for. Not all discounts may be available in your area.
Compare Nissan Leaf Car Insurance Rates from Local Insurers
Consumers can’t escape the ads for insurance coverage savings from the likes of Allstate and Progressive. They all seem to tend to make the same promise that you can save just by switching your coverage.
How do they all give you a lower rate? Here is how they do it.
Insurance providers can use profiling for the type of driver that makes them money. An example of a profitable customer may need to be a female over age 40, has few claims, and drives a lower-performance vehicle. Any customer who fits those characteristics will most likely get cheap prices and will cut their rates if they switch.
People who don’t meet those criteria must pay higher premiums which leads to the customer not buying. The ad wording is “drivers that switch” not “all people who quote” save that kind of money. This is how companies can make claims that they all have the best rates.
Because of this risk profiling, drivers must get a wide range of Nissan Leaf insurance quotes. It is just not possible to predict with any certainty which company will provide the lowest prices.
Insurance Coverage Options for a Nissan Leaf
Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.
Collision coverage covers damage to your Leaf resulting from colliding with a stationary object or another vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as sustaining damage from a pothole, sideswiping another vehicle, damaging your car on a curb, and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage will pay to fix the damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, falling objects, fire damage, and vandalism. The maximum amount an insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist Coverage
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Leaf.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical Payment and PIP Coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for X-ray expenses, ambulance fees, surgery, prosthetic devices, and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
This coverage can cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident, and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims such as bail bonds, loss of income, structural damage, repair costs for stationary objects, and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Get the Best Coverage for your Nissan Leaf
When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions that might point out if your situation would benefit from an agent’s advice.
- What is an SR-22 filing?
- Am I covered when driving a rental car?
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered when pulling a rental trailer?
- How do I insure my teen driver?
- Is my ex-spouse still covered by my policy?
- Who is covered when they drive my 2017 Nissan Leaf?
- Why does it cost so much to insure a teen driver?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent.
Shop for Nissan Leaf Auto Insurance Online
Cheaper car insurance can be purchased on the web in addition to local insurance agencies, so you need to quote insurance with both in order to have the best chance of saving money. Some companies may not have the ability to get a quote online and many times these regional insurance providers only sell coverage through local independent agents.
When you buy insurance online, you should never skimp on critical coverages to save a buck or two. In many cases, someone dropped physical damage coverage and found out when filing a claim that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.
Throughout this article, we presented many tips on how you can save on 2017 Nissan Leaf insurance. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest insurance. You may even find the best price on car insurance is with a small mutual company.
Smaller companies can often provide lower premium rates in certain areas than large multi-state companies such as State Farm and Allstate.
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