How many times have you told yourself to find the cheapest Nissan Leaf insurance in Seattle? When trying to find cheaper insurance, do you get overwhelmed by the wide range of auto insurance companies in Seattle? Vehicle owners have so many companies available that it can turn into a difficult mission to find lower auto insurance rates on Nissan Leaf insurance. Seattle is an excellent city in which to live, but budgeting for expensive auto insurance can make it nearly impossible for many drivers to buy proper levels of coverage.
Regrettably, a large majority of drivers in Washington kept their policy with the same company for a minimum of four years, and approximately 38% of consumers have never even compared rates from other companies. With the average premium in the United States being $1,847, drivers could save nearly $859 each year, but they just assume it’s a time-consuming process to save money by comparing rate quotes.
The most recommended method to compare car insurance rates for Nissan Leaf insurance in Seattle is to know most insurance companies have advanced systems to compare their rates. To begin a comparison, all you need to do is give them rating details including your education level, if the vehicle is leased, types of safety features, and whether you are single or married. The data is instantly provided to multiple companies and they return cost estimate immediately.
To get price quotes for your Nissan Leaf now, click here and find out if lower rates are available in Seattle.
The companies shown below provide price quotes in Seattle, WA. If multiple companies are shown, we recommend you visit as many as you can to get the best price comparison.
Earn discounts on Seattle auto insurance
Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts that can drop the cost substantially. Certain reductions will be credited at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount.
- No Claim Discounts – Insureds who avoid accidents and claims can save substantially when compared to drivers with a long claim history.
- Full Payment Discount – By paying your policy upfront rather than paying monthly you may reduce your total bill.
- Defensive Driver Discounts – Successfully completing a safe driver class is a good idea and can lower rates and also improve your driving technique.
- Sign Early and Save – Some companies provide a discount for switching companies prior to your current Leaf insurance policy expiration. It can save you around 10%.
- Multiple Policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you may save nearly 15% which can help you find the cheapest Nissan Leaf insurance in Seattle.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
- Discount for Low Mileage – Low mileage vehicles can qualify you for substantially lower prices.
- Cautious Driver Discount – Drivers without accidents can pay as much as 50% less as compared to drivers with claims.
Policy discounts save money, but most of the big mark downs will not be given to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you can get free auto insurance, you aren’t that lucky.
If you would like to view insurers that can offer you the previously mentioned discounts in Washington, click this link.
When do I need to get advice from a local insurance agent?
Some consumers still prefer to buy from a local agent. The biggest benefit of comparing rate quotes online is you may find cheap car insurance rates but still work with a licensed agent.
After filling out this form (opens in new window), your information is submitted to insurance agents in Seattle who want to provide quotes for your coverage. There is no reason to leave your house because prices are sent to you directly. You can find better rates and work with a local agent. If you have a need to get a price quote from a specific insurance company, just navigate to their website and fill out the quote form the provide.
Deciding on an insurance company requires more thought than just a cheap price quote. These are some valid questions you should ask.
- Is coverage determined by price?
- How will an accident affect your rates?
- How long has their agency been in business in Seattle?
- What companies can they write with?
- Is auto insurance their primary focus in Seattle?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does the company have a local claim office in Seattle?
Seattle auto insurance agents are either independent or exclusive
If you are wanting to find a local Seattle insurance agency, it’s important to understand the different types of agencies that you can select. Agents in Seattle are categorized either exclusive or independent agents depending on their company appointments.
These agents work for only one company like Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so always compare other rates. Exclusive agents receive extensive training on their company’s products and that enables them to sell even at higher rates. A lot of people purchase coverage from exclusives mostly because of the brand rather than low price.
Shown below are Seattle exclusive agents that are able to give rate quotes.
- Heather Proctor – State Farm Insurance Agent
2600 SW Barton St, Ste E22 – Seattle, WA 98126 – (206) 935-3922 – View Map
- Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528 – View Map
- Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747 – View Map
Independent Car Insurance Agencies
Agents that elect to be independent do not sell for just one brand so they can insure your vehicles through many companies depending on which coverage is best. If they find a cheaper price, they simply move your policy to a different company which is easy for the insured.
If you are trying to find cheaper rates, you should always contact a few independent agents to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies which could offer lower prices.
The following is a short list of independent agents in Seattle who can help you get comparison quotes.
- Sound Insurance Agency, Inc.
9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
- Seattle Insurance
2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map
- Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map
Upon receiving good feedback to your questions and a good coverage price, chances are good that you have found a car insurance agent that is reliable enough to properly service your car insurance policy.
How much auto insurance do I need?
When buying insurance from an agent or online, there really is no single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.
- How much coverage applies to personal belongings?
- I have health insurance so do I need medical payments coverage?
- Why am I required to get a high-risk car insurance policy?
- Does having multiple vehicles earn me a discount?
- Who is covered when they drive my Nissan Leaf?
- Am I covered when delivering products for my home-based business?
- Does insurance cover tools stolen from my truck?
- Am I covered if I crash into my own garage door?
- I don’t drive much so do I pay less?
- Who sells insurance for high-risk drivers?
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.
Insurance myths debunked
Companies like State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make the promise that you’ll save big just by switching your policy. How does every company claim to save you money? Here is the trick they use.
Companies have strict underwriting profiles for the type of driver that will most likely be profitable. One example of this type of risk profile should be over the age of 40, has no claims, and chooses high deductibles. A propective insured that hits that “sweet spot” will probably get cheap car insurance rates and is almost guaranteed to pay quite a bit less when switching companies.
Drivers who don’t measure up to the ideal profile will probably be forced to pay a higher premium and this results in the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently make claims that they all have the best car insurance rates. This emphasizes why you really should compare price quotes frequently. It is just not possible to predict which insurance company will give you lower rates than your current company.
Car insurance policy specifics
Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as nursing services, surgery, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as falling objects, theft, vandalism and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Leaf.
Since many Washington drivers have only the minimum liability required by law (Washington limits are 25/50/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Coverage for collisions
This pays for damage to your Leaf resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible on your Leaf to bring the cost down.
Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/10 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for claims like court costs, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible. Washington state minimum liability requirements are 25/50/10 but drivers should carry more liability than the minimum.
Don’t give up on cheaper coverage
As you quote Seattle car insurance, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.
Consumers leave their current company for many reasons like policy non-renewal, denial of a claim, poor customer service or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be less work than you think.
We’ve covered many tips how you can get a better price on Nissan Leaf insurance in Seattle. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive Seattle car insurance quotes. You may even be surprised to find that the lowest auto insurance rates are with some of the smallest insurance companies.
Additional information can be found at the links below
- Vehicle Safety Ratings (iihs.org)
- How Much are Seattle Car Insurance Rates for 19 Year Olds? (FAQ)
- What Insurance is Cheapest for Police Officers in Seattle? (FAQ)
- What Car Insurance is Cheapest for College Graduates in Seattle? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)