Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are lots of people in the same boat. Since consumers have many companies and agents to choose from, it is hard for the average consumer to pick the most affordable provider.
It’s a good habit to check car insurance prices quite often since rates tend to go up over time. Just because you found the best rates for Leaf insurance a couple years back there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance online, so by reading this article, you’re going to learn some excellent ideas to find cheap car insurance.
This article will tell you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Drivers only need an understanding of how to compare price quotes over the internet.
There are several ways you can shop for Nissan Leaf auto insurance but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.
The majority of car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and each participating company provides a quote based on that information. This prevents consumers from doing quote forms to each individual auto insurance company.
To find out what other companies charge for 2013 Nissan Leaf insurance click here (opens in new window).
The only downside to comparing rates this way is that you can’t choose which companies you want pricing from. So if you prefer to pick specific providers to compare rates, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, be sure to compare exactly the same information on every quote. If you use differing limits it will be very difficult to determine the best price for your Nissan Leaf.
When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions could help you determine whether you might need professional guidance.
If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by auto insurance companies.
Liability auto insurance – Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like bail bonds, repair costs for stationary objects, court costs, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.
Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter, colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
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 then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from getting keyed, a broken windshield, rock chips in glass, theft and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, pain medications and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Leaf.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.