Finding low-cost insurance for a Nissan Leaf in Arizona can turn out to be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to compare rates for a Nissan and obtain the cheapest rates.
The car insurance companies shown below are ready to provide free quotes in Arizona. If several companies are displayed, we suggest you click on several of them to find the lowest car insurance rates.
Car insurance does more than just protect your car
Even though it can be expensive, maintaining insurance may not be optional for several reasons.
- The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage in order to drive the car legally. 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 you have a loan on your Leaf, most banks will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Nissan at a much higher premium rate and require you to pay for the expensive policy.
- Car insurance protects not only your Nissan Leaf but also your financial assets. It will also provide coverage for medical bills incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying enough insurance greatly outweigh the cost, especially if you ever need it. On average, a vehicle owner in Phoenix overpays more than $869 every year so smart consumers compare quotes at every renewal to make sure the price is not too high.
Discounts mean cheaper rates for Nissan Leaf insurance in Phoenix
Car insurance is not cheap, but you can get discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but occasionally some discounts must be requested specifically before they will apply.
- ABS Brakes – Cars with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
- Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
- Driver Education Discount – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
- Federal Employees – Simply working for the federal government may qualify for a discount when you quote Phoenix car insurance depending on your company.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies may permit one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
- Phoenix Homeowners Discount – Just being a homeowner can save a few bucks since home ownership requires a higher level of personal finance.
- Memberships – Participating in a civic or occupational organization in Phoenix may earn a discount on your bill.
- Good Driver Discount – Safe drivers can save as much as half off their rates than their less cautious counterparts.
Discounts lower rates, but most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.
A few popular companies and some of their more popular discounts can be found below.
- Mercury Insurance has savings for type of vehicle, multi-car, low natural disaster claims, ease of repair, location of vehicle, age of vehicle, and professional/association.
- Farmers Insurance may have discounts that include mature driver, youthful driver, good student, pay in full, switch companies, and early shopping.
- Farm Bureau includes discounts for 55 and retired, multi-vehicle, renewal discount, safe driver, and driver training.
- State Farm discounts include multiple policy, good driver, accident-free, driver’s education, safe vehicle, multiple autos, and passive restraint.
- Allstate may include discounts for resident student, 55 and retired, eSmart discount, senior citizen, passive restraint, FullPay discount, and utility vehicle.
- GEICO offers discounts for federal employee, military active duty, seat belt use, multi-policy, good student, membership and employees, and air bags.
If you need lower rates, check with each company the best way to save money. Some of the earlier mentioned discounts may not be available in Phoenix. To locate insurance companies that offer discounts in Phoenix, click here to view.
Local Phoenix car insurance agents
Some people would prefer to go talk to an agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and give you someone to call. An additional benefit of comparing rate quotes online is you may find better rates and still have a local agent.
To find an agent, once you fill out this short form, your information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. There is no need to contact an agency as quotes are delivered to you directly. If you have a need to compare rates for a specific company, you can always find their quoting web page and complete a quote there.
Finding the right insurer shouldn’t rely on just a cheap quote. Here are some questions you might want to ask.
- How long have they been in business?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will your rates increase after a single accident?
- What company do they have the most business with?
- Do they review policy coverages at every renewal?
- How experienced are they in personal risk management?
- Is the agency involved in supporting local community causes?
When in doubt talk to an agent
When it comes to proper insurance coverage, there really isn’t a perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that might point out whether or not you could use an agent’s help.
- What is the difference between comprehensive and collision coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Where can I get insurance after a DUI in Arizona?
- How long can I keep a teen driver on my policy?
- What is an umbrella policy?
- If I use my vehicle for business use is it covered?
- Does my policy pay for OEM or aftermarket parts?
- Why am I required to buy liability insurance?
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Insurance coverage considerations
Knowing the specifics of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Coverage for collisions
Collision coverage covers damage to your Leaf caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Leaf to bring the cost down.
Comprehensive auto coverage
This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane, hail damage and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Nissan Leaf.
Since many Arizona drivers only carry the minimum required liability limits (15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability insurance
This will cover damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/10 which stand for $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability insurance covers things such as legal defense fees, court costs, attorney fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Cheap auto insurance rates are out there
You just read many tips how you can lower your Nissan Leaf insurance premium rates in Phoenix. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Consumers could even find that the biggest savings come from an unexpected company.
When searching for affordable Phoenix car insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate.
Insureds switch companies for a variety of reasons including not issuing a premium refund, policy non-renewal, being labeled a high risk driver and questionable increases in premium. It doesn’t matter why you want to switch switching auto insurance companies is easier than you think.
Additional detailed information is available by following these links:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for Unemployed Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Traverse in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Police Officers? (FAQ)
- State Car Insurance Guides (GEICO)
- Vehicle Insurance (Wikipedia)
- Collision Insurance Coverage (Nationwide)
- Eight Auto Insurance Myths (Insurance Information Institute)