View 2014 Nissan Leaf Insurance Rates

Have you had enough of not being able to afford to insure your Nissan every month? You are in the same boat as millions of other consumers. You have so many insurers to insure vehicles with, and even though it’s nice to have a choice, it can be more challenging to locate the cheapest rates.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or need a new policy, you can use this information to get lower rates and still get good coverage. Vehicle owners just need to understand the best way to buy insurance on the web.

Factors that can influence insurance rates for a Nissan Leaf

An important part of buying insurance is that you know the rating factors that help determine your insurance coverage rates. Knowing what influences your rates enables informed choices that may reward you with big savings.

  • How many coverages with the same company – Some insurance coverage companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to ensure the best deal.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Nissan is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Cautious drivers pay less – Even one citation can boost insurance rates forty percent or more. Careful drivers get better rates than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to continue driving.
  • Where you live – Being located in a rural area has it’s advantages when talking about insurance coverage. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have congested traffic and longer commute times. More time commuting translates into higher accident risk.
  • Your age impacts your rates – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Teen drivers have a tendency to be less responsible when driving and because of this, their insurance coverage rates are much higher.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • A lapse in coverage is a bad thing – Allowing your insurance coverage policy to lapse is a quick way to bump up your insurance coverage costs. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, architects and accountants are shown to have higher rates than average because of job stress and long work days. On the flip side, occupations like pilots, athletes and homemakers pay the least on Leaf insurance.

You probably qualify for some discounts

Companies don’t list every available discount in a way that’s easy to find, so here is a list some of the best known and the harder-to-find car insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Drive Less and Save – Fewer annual miles on your Nissan could be rewarded with better rates on cars that stay parked.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on Leaf insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Distant Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Homeowners Discount – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Leaf insurance than less cautious drivers.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Leaf insurance depending on your company.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies that possibly offer these discounts are:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your area.

There’s no such thing as the perfect policy

When it comes to buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether you might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • What exactly is covered by my policy?
  • Will filing a claim cost me more?
  • When can I cancel my policy?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I wreck a rental car?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Having a good grasp of car insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, hitting a deer and damage from a tornado or hurricane. 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 it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2014 Nissan Leaf.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverages – This covers damage to your Leaf resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical expenses, loss of income, medical services, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for bills for hospital visits, nursing services and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Make an honest buck

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced full coverage and learned later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Low-cost 2014 Nissan Leaf insurance is definitely available on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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