Sadly, most consumers in Arizona have remained with the same auto insurance company for four years or more, and practically 40% of auto insurance customers have never even shopped around for cheap coverage. With the average premium in the U.S. being $1,847, drivers could save an average of about $850 each year by just comparing quotes, but they don’t believe the amount of savings they would get if they switched to a more affordable policy.
Truthfully, the best way to save on Nissan Leaf insurance is to start doing a yearly price comparison from insurers who provide car insurance in Tucson. Drivers can shop around by completing these steps.
- Step 1: Spend some time learning about how your policy works and the measures you can control to keep rates in check. Many policy risk factors that result in higher rates like speeding and a bad credit rating can be rectified by making minor driving habit or lifestyle changes. Keep reading for additional ideas to help prevent expensive coverage and find missing discounts.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
- Step 3: Compare the price quotes to your current policy to see if you can save by switching companies. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important part of this process is to compare the same physical damage deductibles and liability limits on every quote request and and to get price quotes from every company you can. This guarantees an accurate price comparison and the best price selection.
Where can I get the cheapest Tucson Nissan Leaf insurance?
Finding a lower price on insurance is not a difficult process. Consumers just need to take a few minutes to get quotes online from several insurance companies.
The following companies have been selected to offer price quotes in Arizona. If your goal is to find the best auto insurance in Arizona, we suggest you visit two to three different companies in order to find the lowest rates.
Determine discounts to get cheap Tucson car insurance rates
Auto insurance companies don’t always list every policy discount very well, so the following list contains a few of the more well known and the harder-to-find credits that you can use to lower your rates.
- Early Renewal Discounts – A few larger companies offer discounts for renewing your policy prior to your current Leaf insurance policy expiring. You can save around 10% with this discount.
- Multi-car Discount – Purchasing coverage when you have all your vehicles with the same company may reduce the rate for each vehicle.
- Federal Employees – Employees or retirees of the government may reduce rates when you quote Tucson auto insurance with certain companies.
- Low Mileage – Driving fewer miles can qualify you for cheaper rates.
- Discounts for Safe Drivers – Accident-free drivers may save up to 50% more as compared to drivers with claims.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the medical payments premium.
As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.
Companies and the discounts they provide can be found below.
- GEICO offers discounts including emergency military deployment, multi-vehicle, multi-policy, seat belt use, military active duty, membership and employees, and defensive driver.
- MetLife discounts include claim-free, good student, good driver, multi-policy, defensive driver, and accident-free.
- Progressive may offer discounts for online signing, homeowner, continuous coverage, multi-vehicle, and multi-policy.
- Travelers may have discounts that include early quote, multi-policy, good student, home ownership, IntelliDrive, multi-car, and payment discounts.
- SAFECO has savings for drive less, anti-lock brakes, multi-car, homeowner, teen safety rewards, safe driver, and teen safe driver.
- AAA policyholders can earn discounts including pay-in-full, multi-policy, anti-theft, AAA membership discount, and multi-car.
Before you buy a policy, ask all companies you are considering to give you their best rates. Depending on the company, some discounts may not apply in Tucson. To locate car insurance companies with discount rates in Arizona, follow this link.
Six Tips to Get Cheap Tucson Insurance Prices
One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help calculate auto insurance rates. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to big savings.
Marriage discount – Getting married may save some money when buying auto insurance. Having a significant other means you’re more responsible and statistics prove drivers who are married file infrequent claims.
Prevent auto insurance policy lapses – Having a lapse in insurance coverage will be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage may result in fines or a revoked license.
Drive less and save – Driving a lot of miles annually the higher the price you pay to insure it. The majority of insurers rate vehicles based on how the vehicle is used. Autos left parked in the garage receive lower rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Leaf is just wasting money. It’s a smart idea to ensure your auto insurance policy states how each vehicle is driven.
Vehicle risk impacts premiums – The performance of the car you drive makes a substantial difference in your rates. The lowest performance passenger models generally have the cheapest insurance rates, but there are many factors that impact the final cost.
Pay more of a claim out-of-pocket – Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Nissan. Some examples of covered claims are colliding with a building, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are willing to pay out-of-pocket in the event of a claim. The more of the claim the insured has to pay upfront, the less your auto insurance will be.
High auto insurance claims frequency drives up rates – Car insurance companies in Arizona give the best rates to people who are not frequent claim filers. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended for more catastrophic claims.
Loss probability for a Nissan Leaf – Insurers factor in historical loss data when setting premium rates. Vehicles that tend to have higher frequency or amount of claims will have higher premium rates. The table below demonstrates the loss history for Nissan Leaf vehicles.
For each policy coverage type, the loss probability for all vehicles combined as an average is equal to 100. Numbers that are below 100 indicate a favorable loss history, while values over 100 point to more frequent losses or tendency to have higher losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Leaf Electric||89||84||45||83||64||76|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years