2018 Nissan Leaf Car Insurance Rates in 2024 – 9 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 14, 2024

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Are you kicking yourself for buying overpriced insurance coverage? Say no more because many drivers have buyer’s remorse. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

Consumers need to do rate comparisons yearly because rates fluctuate regularly. Just because you found the lowest premium rates on Leaf coverage last year you can probably find a lower rate today. You’ll find a ton of advice on insurance coverage on the internet, but in this article, you’re going to get some great ways to find cheap insurance coverage.

If you have a policy now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Buying car insurance is not that difficult. Consumers just need to understand the tricks to shop their coverage around online.

Low cost car insurance prices

Most companies like GEICO, State Farm and Progressive make it easy to get prices directly from their websites. Getting online quotes doesn’t take a lot of time as you just enter the coverages you want as requested by the quote form. Once you submit the form, the system obtains information on your driving record and credit history and generates a price based on these and other factors. Online price quotes streamlines rate comparisons, but the work required to visit many different websites and type in the same data can be a bit tiresome and repetitive. But it’s also necessary to perform this step in order to find the lowest price.

The easy way to compare rates

A quicker way to compare rates uses one form that analyzes rates from many companies. It’s a real time-saver, helps eliminate repetitive entry, and makes online price comparison much more efficient. Immediately after submitting the form, it is rated and you are able to buy any or none of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

In order to find out what other companies charge, simply enter your zip code here and submit the form. If you have a policy now, it’s recommended you complete the form with the coverage information identical to your current policy. This ensures you will have a fair comparison based on similar coverages.

Use discounts to get cheaper insurance coverage rates

Insurance coverage is easily one of your largest bills, but there could be significant discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Fewer Miles Equal More Savings – Driving less could be rewarded with lower insurance coverage rates due to less chance of an accident.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a insurance coverage quote. The discount lasts until age 25.
  • Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Early Switch Discount – A few insurance coverage companies allow discounts for renewing your policy before your current coverage expires. You can save around 10% with this discount.
  • Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Leaf coverage as compared to drivers with claims.
  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups could qualify you for a break when getting a insurance coverage quote.
  • Passive Restraints – Options like air bags or motorized seat belts could see savings of more than 20%.
  • Driver Training Discounts – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
  • Multi-line Discount – Larger insurance carriers have lower rates if you buy auto and life insurance together.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.

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

  • State Farm may have discounts that include good driver, safe vehicle, anti-theft, passive restraint, and defensive driving training.
  • Progressive policyholders can earn discounts including continuous coverage, online signing, good student, homeowner, multi-policy, online quote discount, and multi-vehicle.
  • Travelers offers discounts for home ownership, save driver, student away at school, IntelliDrive, multi-policy, and hybrid/electric vehicle.
  • American Family includes discounts for early bird, mySafetyValet, defensive driver, Steer into Savings, multi-vehicle, air bags, and TimeAway discount.
  • Liberty Mutual has discounts for teen driver discount, newly retired, newly married, new vehicle discount, multi-car, and preferred payment discount.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Discounts might not be offered on policies in your area. If you would like to view companies who offer insurance coverage discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help highlight whether you may require specific advice.

  • What can I do if my company won’t pay a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need special endorsements for business use of my vehicle?
  • Is business property covered if stolen from my car?
  • When should I remove comp and collision on my 2018 Nissan Leaf?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out your zip code. It’s fast, free and you can get the answers you need.

Insurance policy coverages for a Nissan Leaf

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as doctor visits, hospital visits and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Nissan Leaf.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision – This covers 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 things such as a broken windshield, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This will pay to fix damage to your Leaf resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages – This coverage protects you from injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for things such as pain and suffering, bail bonds, emergency aid, medical services and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Be a Smart Shopper

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage only to find out that they should have had better coverage. Your focus should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Lower-priced car insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer rates over the internet and most of the time these smaller providers prefer to sell through independent insurance agencies.

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