Searching for low-cost insurance for a Nissan Leaf can normally be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare car insurance rates so we’re going to tell you the quickest way to compare rates for a new or used Nissan and obtain the cheapest rates from local insurance agents and online providers.
It’s important to do rate comparisons at least once a year since rates are constantly changing. If you had the lowest rates on Leaf insurance a couple years back you can probably find a lower rate today. You can find a lot of wrong information about car insurance online but we’re going to give you some great ideas on how to stop overpaying for insurance.
If you have car insurance now, you should be able to save some money using this information. Shopping for affordable protection is quite easy. Although drivers should learn the methods companies use to sell insurance online because it can help you find the best coverage.
How to Lower Your Car Insurance Cost
The are a couple different ways to compare quotes from different insurance companies. The simplest method to find competitive Nissan Leaf insurance rates is to get quotes online. This is very easy and can be done in several different ways.
- One of the best ways to get quotes is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do repetitive form entry for each company. A single form compares rates from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
- A more difficult way to find lower rates is spending the time to visit each individual company website and fill out their own quote form. For example, let’s assume you want rates from Allstate, 21st Century and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.
To view a list of companies in your area, click here.
- The hardest method to get comparison rates is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online and get advice from an agent in your area and you’ll learn how to do that later.
Whichever way you use, make absolute certain that you use identical coverage information with every price quote. If the quotes have unequal deductibles or liability limits it’s not possible to make a fair comparison for your Nissan Leaf. Slightly different limits can result in a big premium difference. Keep in mind that getting more free quotes will improve the odds of getting a lower rate.
Cut your car insurance rates with discounts
Companies that sell car insurance do not list all available discounts very clearly, so we break down some of the more common and the harder-to-find ways to save on car insurance.
- Student in College – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
- Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
- Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
- Drivers Ed for Students – Have your child enroll in driver’s education if offered at their school.
- Save over 55 – If you’re over the age of 55, you may qualify for reduced rates on Leaf insurance.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Leaf insurance with a few car insurance companies.
- Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
- Claim Free – Claim-free drivers can earn big discounts when compared to frequent claim filers.
- Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
It’s important to note that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.
To see a list of providers with the best car insurance discounts, click here to view.
Won’t my local insurance agent miss me?
A small number of people prefer to buy from a local agent and that is OK! One of the best bonuses of comparing insurance prices online is you can get the lowest rates but also keep your business local.
To find an agent, once you fill out this simple form, your coverage information is submitted to agents in your area who will give you bids for your insurance coverage. You never need to drive around because quoted prices will be sent immediately to your email address. How cool is that?! It’s the lowest rates without the usual hassles of price shopping.
Choosing an provider should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What are the financial ratings for the companies they represent?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which company do they place the most coverage with?
Two types of insurance agents
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. agents can either be independent or captive.
Captive Insurance Agents
These agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. These agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers often choose to use a captive agent mostly because of loyalty to the company and strong financial ratings.
Independent Agents
Independent insurance agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.
When comparing rates, you should always contact at a minimum one independent agency for maximum quote selection. They often place coverage with different regional companies who may have lower rates.
For a complete listing of car insurance agents, visit this site.
Upon receiving good answers to all your questions and locked in a price quote, you may have just found an insurance agent that will adequately provide car insurance.
Everyone needs different coverages
When buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.
These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.
- Can I afford low physical damage deductibles?
- Am I covered when driving in Canada or Mexico?
- Can I afford to buy a different vehicle if my Nissan Leaf is totaled?
- Can I still get insurance after a DUI?
- Are all vehicle passengers covered by medical payments coverage?
- What companies insure drivers after a DUI or DWI?
- How many claims can I have before being cancelled?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
More effort can pay off
Drivers leave their current company for a number of reasons such as policy non-renewal, delays in paying claims, lack of trust in their agent or even high rates after DUI convictions. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.
As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice full coverage and learned later that they should have had better coverage. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.
You just learned a lot of tips how to lower your Nissan Leaf insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a smaller regional carrier.
