The best way we recommend to get the cheapest Nissan Leaf insurance in Scottsdale is to start doing an annual price comparison from companies who sell insurance in Arizona.
- Step 1: Get an understanding of coverages and the measures you can control to prevent rate increases. Many things that drive up the price like tickets, at-fault accidents, and a poor credit score can be amended by making lifestyle changes or driving safer.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from many different companies.
- Step 3: Compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide adequate notice to your current company to cancel your current auto insurance policy. Submit a signed application and payment to the newly selected company. Be sure to keep the new certificate verifying coverage in an accessible location in your vehicle.
A crucial key to this process is to use similar limits and deductibles on every quote request and and to analyze as many different insurance providers as possible. This enables a fair rate comparison and a better comparison of the market.
Surprisingly, a recent survey revealed that a large majority of drivers kept their policy with the same company for more than four years, and just under half have never quoted insurance rates at all. Drivers in Arizona could save 50% every year by just shopping around, but most undervalue the rate savings if they just switched companies.
Comparing quotes for affordable coverage in Scottsdale is not as hard as you may think. If you have a policy now or just want a better rate, you can use these techniques to reduce premiums without having to cut coverage. Drivers only need an understanding of the quickest method to compare prices instantly.
Compare free Scottsdale Nissan Leaf insurance price quotes
The following companies are our best choices to provide free quotes in Arizona. If multiple companies are listed, it’s highly recommended you click on several of them to get the lowest price.
How Car Insurance Companies Calculate Nissan Leaf Insurance Prices
The best way to find cheaper car insurance is to take a look at a few of the rating criteria that go into determining your car insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs. Multiple criteria are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, although others are not quite as obvious like your vehicle usage and annual miles driven.
The following are most of the major factors car insurance companies consider when setting your premiums.
Can a thief steal your car? – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
Fast cars cost more to insure – The performance of the car you need insurance for makes a substantial difference in your auto insurance rates. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.
Poor credit rating equals high costs – Having a good credit rating is a big factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your Nissan Leaf by spending a little time repairing your credit. Consumers who have good credit tend to be better drivers and file fewer claims than drivers with worse credit.
Your address can impact price – Living in less populated areas has it’s advantages when talking about car insurance. Drivers who live in large cities tend to have more traffic problems and longer commutes to work. Fewer people means less chance of accidents and lower theft and vandalism rates.
Pay lower rates if you’re married – Having a wife or husband helps lower the price compared to being single. It means you’re more responsible and statistics prove drivers who are married file infrequent claims.
Small coverages can add up – Insurance policies have a lot of add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for personal injury protection, accidental death, and motor club memberships are some examples. The coverages may be enticing at first, but if you don’t need them eliminate the coverages to reduce your premium.
Nissan Leaf statistical loss data – Insurers factor in historical loss data in order to profitably underwrite each model. Models that statistically have higher claim frequency or loss amount will cost more to insure. The data below shows the collected loss data for Nissan Leaf vehicles.
For each insurance policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Numbers under 100 suggest losses that are better than average, while numbers above 100 point to more frequent losses or an increased chance of larger losses than average.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Leaf Electric||89||84||45||83||64||76|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
It may be expensive, but it’s not optional
Even though it can be expensive, paying for insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- The majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan has a loan, almost every bank will stipulate that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Nissan at a much higher premium rate and force you to reimburse them the higher price.
- Insurance safeguards not only your vehicle but also your assets. It will also cover most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver overpays more than $865 each year so we recommend shopping around at every renewal to ensure rates are inline.