Cheaper 2011 Nissan Leaf Car Insurance Cost

Looking for lower insurance coverage rates for your Nissan Leaf? Are you overwhelmed by the crazy number of insurance coverage companies? Many other consumers are too. You have so many companies to choose from that it can turn into more work than you anticipated to find the best price.

Comparison of Insurance Coverage

There are several ways to get quotes from different insurance companies. The easiest way by far to find the cheapest 2011 Nissan Leaf insurance rates involves getting comparison quotes online. This can be done in several different ways.

One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions to each individual insurance coverage company. One form will return quotes from multiple companies. It’s the fastest way to compare.

Another way to analyze rates is going to the website of each company and fill out their own quote form. For example, let’s say you want comparison quotes from Progressive, Esurance and Allstate. You would have to go to every website and enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you use the exact same quote information with each company. If you are comparing different deductibles it’s not possible to truly determine the lowest rate. Just a small difference in coverages could mean much higher rates. And when quoting insurance coverage, remember that more quotes will enable you to find a lower rate.

Nissan Leaf premiums are determined by many factors

Smart consumers have a good feel for some of the elements that come into play when calculating your insurance coverage rates. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

  • Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Even one citation can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers tend to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men tend to get into accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
  • Liability coverage is cheap – Liability insurance is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.

Are you getting all your discounts?

Companies don’t always publicize all their discounts in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving.

  • Homeowners Discount – Owning a house can help you save on car insurance because maintaining a house requires personal responsibility.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Organization Discounts – Affiliation with a professional or civic organization may earn a discount on car insurance for Leaf coverage.
  • Accident Free – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Low Mileage – Keeping the miles down on your Nissan can qualify you for a substantially lower rate.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of providers who offer car insurance discounts, click this link.

When might I need an agent?

When buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions can help discover whether or not you will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • Can I make deliveries for my home business?
  • Should I rate my 2011 Nissan Leaf as pleasure use or commute?
  • Should I waive the damage coverage when renting a car?
  • Why do I only qualify for high-risk insurance?
  • What are the best liability limits?
  • Am I covered if I wreck a rental car?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage kick in for bills such as prosthetic devices, EMT expenses, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage


This coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, loss of income, legal defense fees and emergency aid. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage, damage from flooding and damage from getting keyed. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Leaf.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

At the end of the day…

Consumers switch companies for any number of reasons including high prices, lack of trust in their agent, an unsatisfactory settlement offer and even unfair underwriting practices. No matter why you want to switch, switching companies is not as difficult as it may seem.

We just showed you many ideas to reduce 2011 Nissan Leaf insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the best price on car insurance is with an unexpected company.

Lower-priced insurance is definitely available on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Much more information about car insurance is located at the links below