How Much Does 2022 Nissan Leaf Car Insurance Cost in 2024?

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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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Have you finally had enough of robbing Peter to pay Paul to buy insurance? You have the same problem as many other consumers. Insurance companies such as State Farm, GEICO and Farmers Insurance continually bombard you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Insurance companies offer lots of discounts

Companies that sell car insurance do not list all discounts very clearly, so we break down both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Air Bag Discount – Options like air bags or automatic seat belts can receive discounts as much as 30%.
  • Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Theft Deterrent System – Cars that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Paperless Signup – A few insurance companies will provide an incentive get insurance on the web.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Telematics Data Discounts – Drivers who agree to allow their company to spy on when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
  • Homeowners Pay Less – Being a homeowner can earn you a little savings since home ownership is proof that your finances are in order.
  • Waiver for an Accident – Not a discount per se, but companies like Libery Mutual, GEICO and Allstate allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Multi-line Discount – Some insurance companies give lower prices if you buy auto and life insurance together.

Don’t be surprised that many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.

A list of insurance companies and their possible discounts can be read below.

  • GEICO offers discounts for seat belt use, driver training, multi-vehicle, multi-policy, and emergency military deployment.
  • Travelers offers discounts including payment discounts, continuous insurance, hybrid/electric vehicle, multi-policy, home ownership, good student, and student away at school.
  • Farm Bureau has discounts for good student, driver training, 55 and retired, multi-vehicle, multi-policy, and renewal discount.
  • Liberty Mutual offers premium reductions for new move discount, new vehicle discount, newly married, newly retired, teen driver discount, multi-car, and multi-policy.
  • American Family may offer discounts for Steer into Savings, multi-vehicle, mySafetyValet, TimeAway discount, and early bird.
  • Progressive may include discounts for online quote discount, multi-policy, continuous coverage, online signing, good student, and multi-vehicle.

If you want cheap insurance quotes, ask every insurance company which discounts can lower your rates. Discounts might not apply in your state. To see providers with discount rates, enter your zip code here.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover if you would benefit from professional advice.

  • When should I remove comp and collision on my 2022 Nissan Leaf?
  • How high should deductibles be on a 2022 Nissan Leaf?
  • Should I sign the liability waiver when renting a car?
  • Can my teen drive my company car?
  • Is business property covered if stolen from my car?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete your zip code. It only takes a few minutes and may give you better protection.

Will you really save $471 on auto insurance?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to tend to make the same promise that drivers will save a bundle just by moving your policy.

How does each company charge less that you’re paying now? Here is the trick they use.

Insurance companies have strict underwriting profiles for the type of customer that is profitable for them. One example of this type of risk profile might be described as a female over age 40, owns their home, and drives less than 5,000 miles a year. Any driver that meets those criteria will probably get the lowest rates and will pay quite a bit less when switching companies.

Insureds who fall short of these standards will see a higher rate which results in the customer buying from a different company. The trick companies use is to say “drivers who switch” not “everyone that quotes” can save as much as they claim. That’s why companies can advertise the way they do.

That is why you need to do a quote comparison often. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

UM/UIM Coverage – This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance – Med pay and PIP coverage kick in for expenses for surgery, X-ray expenses and doctor visits. They 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 if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, hitting a bird, fire damage, damage from getting keyed and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – This protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Leaf caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

A tidy conclusion

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

You just read a lot of information how to lower your 2022 Nissan Leaf insurance premium rates. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with the least-expected company. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper car insurance can be found from both online companies in addition to local insurance agencies, so get free insurance quotes from both of them to get a complete price analysis. Some insurance providers do not provide internet price quotes and usually these smaller providers sell through independent agents.

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