Anyone knows that insurance companies don’t want you to look at other companies. People who shop for lower rates will, in all likelihood, switch companies because there is a good probability of finding a more affordable policy premium. A study showed that consumers who compared prices once a year saved over $72 a month compared to people who never shopped for cheaper rates.
If saving money on insurance is your goal, then having a good understanding how to find and compare auto insurance can help make the process easier.
The easiest way to find cheaper Nissan Leaf insurance in San Francisco is to regularly compare quotes from providers in California. Rates can be compared by completing these steps.
- Try to understand the different coverages in a policy and the measures you can take to keep rates low. Many rating factors that drive up the price like speeding tickets, careless driving and a negative credit rating can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover more information to help keep rates affordable and find discounts that you may qualify for.
- Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple sources. Select a company
- Compare the new quotes to your current policy to see if a cheaper rate is available in San Francisco. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current company of your intention to cancel your current car insurance policy. Submit a completed policy application and payment for your new policy. As soon as coverage is bound, store the proof of insurance paperwork in an easily accessible location.
One important bit of advice is to try to use the same coverage limits and deductibles on each price quote and and to look at every company you can. Doing this ensures a fair rate comparison and plenty of rates choose from.
If you have coverage now or need a new policy, you can use this information to buy cheaper auto insurance and still have adequate protection. Quoting and buying cheaper auto insurance coverage in San Francisco is simple if you know the tricks. Shoppers just have to use the proper way to get comparison rates online.
The quickest way to compare car insurance rates for Nissan Leaf insurance in San Francisco is to understand most insurance companies participate in a system to provide you with free rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like how you use your vehicles, the make and model of your vehicles, how old drivers are, and coverage limits. That rating data gets transmitted to multiple auto insurance providers and you receive quotes very quickly.
If you wish to get multiple quotes for your car now, click here and find out if lower rates are available in San Francisco.
The following companies are our best choices to provide price comparisons in California. If more than one company is shown, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
Take advantage of these eight price cutting discounts
Companies don’t always list all available discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and also the more inconspicuous discounts that may be available.
- Save with a New Car – Putting insurance coverage on a new Leaf can be considerably cheaper since newer vehicles are generally safer.
- Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Paper-free Discount – Many insurance companies will provide an incentive shop San Francisco car insurance on the web.
- Mature Driver Discount – Mature drivers can possibly qualify for better insurance rates.
- Active Military Service – Being on active duty in the military could be rewarded with lower prices.
- ABS Brakes – Cars and trucks with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
- Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote San Francisco car insurance with a few insurance companies.
- More Vehicles More Savings – Drivers who insure primary and secondary vehicles with one company may reduce the rate for each vehicle.
You should keep in mind that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
To choose insurance companies who offer free Nissan Leaf insurance quotes in California, click here.
Compare rates but work with a local San Francisco insurance agent
Some consumers prefer to visit with an insurance agent and often times that is recommended Good agents are trained risk managers and help in the event of a claim. The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap auto insurance quotes and also buy local.
After completing this short form, your coverage information is submitted to local insurance agents in San Francisco that can provide free San Francisco car insurance quotes for your business. You won’t need to search for any insurance agencies because prices are sent immediately to your email address. If you want to get a comparison quote from a specific auto insurance provider, feel free to go to their quote page and fill out the quote form the provide.
Finding the right insurance company should depend on more than just a cheap price. These are some questions your agent should answer.
- How experienced are they in personal risk management?
- Is insurance their full-time profession?
- Is there a Errors and Omissions policy in force?
- Does the agent have a valid license to sell insurance in California?
- Is their price quote a firm figure or are their hidden costs?
- How long has their agency been in business in San Francisco?
If you want a reliable insurance agent, you should know the types of insurance agents from which to choose. Auto insurance policy providers can be classified as either independent or exclusive depending on the company they work for. Both can sell auto insurance policies, but we need to point out how they differ because it may have an impact on the kind of agent you use.
Exclusive Insurance Agents
Exclusive agents normally can only provide a single company’s rates like State Farm or Allstate. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are trained well on what they offer which helps overcome the inability to quote other rates. Some people will only use the same exclusive agent primarily because of the prominent brand name rather than low rates.
Below is a list of exclusive insurance agents in San Francisco willing to provide rate quotes.
- Angela Chan – State Farm Insurance Agent
756 Sacramento St – San Francisco, CA 94108 – (415) 956-4888 – View Map
- Lynn Petrie Lange – State Farm Insurance Agent
3717 Buchanan St #100 – San Francisco, CA 94123 – (415) 923-0192 – View Map
- Toan Tieu – State Farm Insurance Agent
690 Monterey Blvd – San Francisco, CA 94127 – (415) 610-8000 – View Map
Independent Agencies or Brokers
Agents that choose to be independent often have affiliation with several companies and that gives them the ability to insure amongst many companies and find the cheapest auto insurance rates. If prices rise, your policy is moved internally and you don’t have to find a new agent. If you are comparing rate quotes, it’s a good idea to get some free quotes from independent agents in order to compare the most rates. They often place coverage with small regional insurance companies which can be an advantage.
Below are San Francisco independent agencies willing to provide rate quotes.
- Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map
- Express Service Insurance
2085 Van Ness Ave – San Francisco, CA 94109 – (415) 440-5136 – View Map
- Primeras Insurance Agency
3339 23rd St – San Francisco, CA 94108 – (415) 829-7312 – View Map
After receiving good responses for all questions you ask and locked in a price quote, it’s possible that you found an insurance agent that is professional and can adequately provide auto insurance. But remember, you have the power to terminate coverage whenever you wish so don’t assume you’re contractually obligated to your new company for a certain time period.
Different people need different car insurance coverages
When quoting and choosing coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that
These are some specific questions might help in determining whether you would benefit from an agent’s advice.
- Am I covered if I crash into my own garage door?
- Do I need roadside assistance coverage?
- Is rental equipment covered for theft or damage?
- Am I covered by my spouse’s policy after a separation?
- When would I need additional glass coverage?
- What is PIP insurance?
- Are my friends covered when driving my Nissan Leaf?
- Am I covered if I drive in a foreign country?
- How do I file an SR-22 for a DUI in California?
If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Auto insurance is not optional but you don’t have to overpay
Even though San Francisco Leaf insurance rates can get expensive, auto insurance serves a purpose in several ways.
- The majority of states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Leaf, more than likely the lender will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank will be required to insure your Nissan for a lot more money and require you to pay the higher price.
- Insurance safeguards not only your vehicle but also your financial assets. It will also pay for medical expenses incurred in an accident. Liability insurance will also pay to defend you if you are sued as the result of your driving. If your Nissan gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than offset the price you pay, especially if you ever need it. The average driver in California is wasting up to $810 a year so compare rates once a year at a minimum to make sure the price is not too high.
Car insurance coverages 101
Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.
Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Auto liability – This will cover damage or injury you incur to people or other property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.
Liability coverage pays for claims such as pain and suffering, structural damage and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.
The next chart demonstrates why buying low liability limits may not be enough coverage.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible on your Leaf to bring the cost down.
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan Leaf.
Because many people have only the minimum liability required by law (15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things such as damage from flooding, theft, hitting a deer and vandalism. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Compare but don’t skimp
We covered some good ideas how you can shop for Nissan Leaf insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest Nissan Leaf rate quotes. You may even find the lowest car insurance rates come from an unexpected company. Regional companies may have significantly lower premium rates on certain market segments than their larger competitors like GEICO and State Farm.
As you quote San Francisco car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- How Much is San Francisco Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Jeep Wrangler in San Francisco? (FAQ)
- What Car Insurance is Cheapest in San Francisco, California? (FAQ)
- Who Has Affordable Auto Insurance Rates for State Employees in San Francisco? (FAQ)
- Who Has the Cheapest San Francisco Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Learn About Car Insurance (GEICO)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)