2021 Nissan Leaf Insurance Cost in 2024 – 8 Savings Tips

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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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Are you sick and tired of scraping the payment together to insure your Nissan every month? Your situation is no different than many other consumers. Big companies like Progressive, State Farm and GEICO constantly bombard you with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers should take time to compare prices as often as possible because insurance prices trend upward over time. Even if you think you had the lowest rate on Leaf coverage last year there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to eliminate unnecessary coverages and save money.

Affordable car insurance quotes

Comparing car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use online quoting to get prices fast.

The majority of car insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and every company provides a quote based on that data. This system prevents you from having to do repetitive form submissions for each company. To submit your quote information now, enter your zip code here.

One minor caveat to pricing coverage this way is you are unable to specify which companies you want pricing from. So if you want to select from a list of companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

It’s up to you which method you use, but try to keep the same deductibles and coverage limits for every company. If the quotes have different limits and deductibles on each one it will be very difficult to decipher which rate is best.

Do you qualify for these eight discounts?

Some insurance providers do not advertise every discount in a way that’s easy to find, so the below list has both well-publicized and the harder-to-find discounts that may be available.

  • Save with More Vehicles Insured – Insuring several vehicles on a single policy could earn a price break for each car.
  • Student Discounts – Excelling in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Driver’s Education for Students – Teen drivers should successfully take a drivers education course in school or through a local driver safety program.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Distant Student – College-age children who live away from home at college and don’t have a car could qualify for this discount.
  • Responsible Drivers – Insureds who avoid accidents may save up to 50% more on Leaf coverage compared to accident prone drivers.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a lower price if you buy some life insurance in addition to your auto policy.
  • Government Employee Discount – Active or retired federal employment could provide a small rate reduction on Leaf coverage with some car insurance companies.

Discounts lower rates, but many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will lower your premiums.

A few of the larger companies and some of the discounts are:

  • American Family may offer discounts for TimeAway discount, multi-vehicle, mySafetyValet, bundled insurance, air bags, early bird, and good student.
  • Nationwide offers premium reductions for defensive driving, multi-policy, good student, Farm Bureau membership, accident-free, business or organization, and family plan.
  • MetLife offers discounts for claim-free, good student, defensive driver, good driver, and accident-free.
  • 21st Century policyholders can earn discounts including homeowners, good student, theft prevention, automatic seat belts, 55 and older, and anti-lock brakes.
  • Farmers Insurance has savings for pay in full, early shopping, youthful driver, business and professional, bundle discounts, electronic funds transfer, and multi-car.
  • Allstate discounts include premier discount, farm vehicle, economy car, safe driver, good payer, early signing, and multi-policy.

Before purchasing a policy, check with each company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to view providers with the best discounts, enter your zip code here.

Don’t assume everyone needs the same insurance coverage

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover whether or not you will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Do I have coverage if my license is suspended?
  • Will filing a claim cost me more?
  • Who is covered by my policy?
  • How much liability coverage do I need in my state?
  • At what point should I drop full coverage?
  • Do I need more liability coverage?
  • Should I buy additional glass protection?
  • How can I get my company to pay me more for my totalled car?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Don’t be fooled by advertising claims

Drivers can’t ignore all the ads that claim the cheapest prices by 21st Century, Allstate and State Farm. They all seem to seem to make the promise that you’ll save big just by switching to them.

That’s great but how can every company offer you a better deal? It’s all in the wording.

Many companies give the cheapest rates for the driver that will not have excessive claims. For example, a desirable risk may be over age 30, carries full coverage, and has a high credit rating. Any new insured that meets those criteria will most likely get cheap auto insurance rates and will probably save quite a bit of money when switching.

Potential insureds who fall short of those standards may receive a higher rate which leads to the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently state the savings. This emphasizes why you need to get car insurance quotes as often as possible. It’s impossible to know with any certainty which company will provide the lowest prices.

Specific coverage details

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, vandalism and falling objects. The maximum amount a insurance company will pay at claim time 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.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property that is your fault. 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. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims such as bail bonds, structural damage, attorney fees, loss of income and emergency aid. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision protection

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

Collision coverage protects against things like driving through your garage door, hitting a parking meter, sideswiping another vehicle, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like ambulance fees, dental work, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Nissan Leaf.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Be a Smart Shopper

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits only to discover later that they should have had better coverage. Your strategy should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

We just presented a lot of techniques to shop for 2021 Nissan Leaf insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

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