Are you tired of trying to find more affordable Nissan Leaf insurance in San Diego? Paying for expensive Nissan Leaf insurance in San Diego can draw down your bank account and require stricter spending habits. Getting a rate comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.
A recent study showed that over 70% of consumers have been with the same company for at least four years, and approximately 40% of consumers have never compared rate quotes at all. American drivers could save almost $850 each year just by shopping around, but they assume it’s a waste of time to compare rates online. Lots of auto insurance companies contend for your insurance dollar, so it’s not easy to compare every company to find the lowest cost out there.
If you have a policy now or are looking for a new policy, you can follow these tips to buy cheaper insurance without reducing coverage. Choosing the best rates in San Diego can really be easy if you know what you’re doing. Comparison shoppers only need an understanding of the quickest method to shop for insurance online.
Finding more affordable San Diego auto insurance prices can be surprisingly simple. All that’s required is to take a couple of minutes comparing rates online from several insurance companies.
It’s so simple to compare auto insurance rates online makes it a waste of time to drive around to each insurance agency near you. The ability to quote Nissan Leaf insurance online can eliminate the need for a local agent unless you’re the type of person who wants the professional guidance only provided by licensed San Diego agents. Some companies do allow you to comparison shop your insurance online and have a local agent actually service the policy.
The providers in the list below have been selected to offer price comparisons in San Diego, CA. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.
Get cheaper Nissan Leaf insurance in San Diego with discounts
Some companies don’t always publicize all discounts in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden ways to save on auto insurance.
- Anti-lock Brake System – Vehicles with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
- San Diego Homeowners Discount – Owning a home in San Diego can earn you a little savings due to the fact that maintaining a home shows financial diligence.
- Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote San Diego auto insurance with select insurance companies.
- Save with a New Car – Putting coverage on a new Leaf may earn a small discount because newer models are generally safer.
- Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
- No Claim Discounts – Good drivers with no accidents pay much less when compared with accident-prone drivers.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.
Some companies who might offer many of the previously listed discounts include:
Double check with all companies you are considering which discounts can lower your rates. All car insurance discounts may not be available in San Diego. To choose insurance companies that offer the discounts shown above in San Diego, click this link.
What Affects Nissan Leaf Insurance Costs?
When buying insurance it’s important to understand some of the factors that are used to determine your premiums. If you have some idea of what determines base rates, this allows you to make good choices that could result in lower insurance prices. Many things are used when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are more transparent like your continuous coverage or how safe your car is.
Shown below are some of the most rate-impacting factors insurance companies consider when setting your rates.
Your job may affect prices – Careers like fire fighters, architects and dentists generally pay higher rates than average due to high stress levels and long work hours. On the flip side, professions such as farmers, historians and retirees have the lowest average rates.
No insurance policy gaps is important – Driving without insurance coverage in place can get you a ticket and as a result your rates will increase for letting your coverage lapse. In addition to paying higher rates, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license.
Pleasure use saves money – Driving more miles each year the higher your rate. Many insurance companies calculate prices based on how the vehicle is used. Vehicles that have low annual miles receive lower rates than those that get driven frequently. Having the wrong rating on your Leaf may be wasting your money. Ask your agent if your insurance policy reflects the correct driver usage, because improper ratings can cost you money.
Are you male or female? – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Females and males cause auto accidents in similar percentages, but men have accidents that have higher claims. Men also statistically get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 cause the most accidents so it costs more to insure them.
Insurance losses for a Nissan Leaf – Insurance companies factor in insurance loss information to calculate a rate that will offset any claims. Models that historically have high amounts or severity of claims will have higher rates for specific coverages. The data below shows the insurance loss data for Nissan Leaf vehicles.
For each type of coverage, the statistical loss for all vehicles compiled together is set at 100. Values that are 100 or less mean the vehicle has better than average losses, while numbers that are greater than 100 point to more claims or statistically larger claims.
Nissan Leaf Insurance Loss Statistics
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Leaf Electric | 89 | 84 | 45 | 83 | 64 | 76 |
Statistics from IIHS.org for 2013-2015 Model Years
Insurance agencies can help
Many people still like to go talk to an agent and that is a smart decision Insurance agents are very good at helping people manage risk and help submit paperwork. The best thing about comparing insurance online is that you can obtain cheaper prices but also keep your business local. Supporting local agencies is important especially in San Diego.
Upon completion of this form (opens in new window), your coverage information is transmitted to insurance agents in San Diego who can give free rate quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go to your email. If you wish to get a comparison quote for a specific company, you can always search and find their rate quote page and fill out their quote form.
The different types of auto insurance agents
If you would like to find a local insurance agency, it can be helpful to understand the different agency structures and how they can quote your rates. Agents are considered either independent or exclusive depending on the company they work for. Either one can handle insurance, but we need to point out why they differ because it can factor into the type of agent you choose.
Independent Insurance Agents
Independent agencies do not write with just one company so they can quote policies with a variety of different insurance companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage which makes it simple for you. When comparing rate quotes, we highly recommend that you contact at least one independent agent in order to have the best price comparison.
Listed below is a short list of independent insurance agents in San Diego who can help you get free insurance quotes.
Einhorn Insurance
3940 Hancock St – San Diego, CA 92110 – (858) 336-4644 – View Map
Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. They are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets.
Shown below is a short list of exclusive agents in San Diego willing to provide rate quotes.
Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820 – View Map
Allstate Insurance: Brian McMullen
4455 Lamont St #1 – San Diego, CA 92109 – (858) 274-2377 – View Map
Albert Quiroga – State Farm Insurance Agent
8240 Mira Mesa Blvd G – San Diego, CA 92126 – (858) 695-8000 – View Map
Finding the right insurance agent should include more criteria than just the quoted price. Here are some questions to ask:
- What companies can they write with?
- Does the agency provide any after hours assistance?
- Do they regularly work with personal auto policies in San Diego?
- Does their agency support local causes in San Diego?
- Does the agency have a positive business rating?
- Does the company use OEM repair parts?
- How often do they review policy coverages?
- How long has the business existed?
More comparisons equals cheaper rates
Some companies may not offer rate quotes online and most of the time these smaller companies work with local independent agents. Cheaper Nissan Leaf insurance in San Diego can be found on the web as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis.
As you shop your coverage around, never reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to regret they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
You just read a lot of ways to shop for Nissan Leaf insurance online. It’s most important to understand that the more you quote San Diego auto insurance, the better likelihood of getting cheaper San Diego auto insurance quotes. Drivers may even discover the most savings is with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.
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