hackdroot
Posts: 85
Joined: Sat Apr 15, 2017 12:54 pm
Delivery Date: 15 Apr 2017
Location: East Bay Area, CA

Insurance costs for your leaf

Fri Mar 16, 2018 6:46 pm

So I was recently reviewing my insurance renewal policy and my 2013 SL has the highest premium of all my vehicles. The 6 month premium through Progressive is $1651 (or $275 a month). That's with comprehensive and collision and a $2500 deductible. That constitutes half of my policy costs with four other vehicles and 3 drivers.

Just wondering what others were paying for coverage.
2013 Leaf SL (12/2013) + Premium package 31,000 miles - 58.8AHr - 89%SOH

SageBrush
Posts: 2912
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: Insurance costs for your leaf

Fri Mar 16, 2018 8:49 pm

Your car is worth a couple thousand dollars. WHY do you carry comp and collision on it -- with a $2,500 deductible no less ?
As for why your premiums are high, the answer is usually a mixture of your personal claim history, driving record, your demographic risk profile, and the insurance company experience in your locale.

I carry a $1M/300k (Personal/Property) liability policy on my car for ~ $15 a month.
Last edited by SageBrush on Mon Mar 19, 2018 2:38 pm, edited 1 time in total.
2013 LEAF 'S' Model with QC & rear-view camera
Bought off-lease Jan 2017 from N. California
Car is now enjoying an easy life in Colorado
03/2018: 58 Ahr, 28k miles
11/2018: 56.16 Ahr, 30k miles
-----
2018 Tesla Model 3 LR, Delivered 6/2018

hackdroot
Posts: 85
Joined: Sat Apr 15, 2017 12:54 pm
Delivery Date: 15 Apr 2017
Location: East Bay Area, CA

Re: Insurance costs for your leaf

Fri Mar 16, 2018 9:46 pm

SageBrush wrote:Your car is worth a couple thousand dollars. WHY do you carry comp and collision on it -- with a $2,500 deductible no less ?
As for why your premiums are high, the answer is usually a mixture of your personal claim history, driving record, your demographic risk profile, and the insurance company experience in your locale.

I carry a $1M liability policy on my car for ~ $15 a month.


I have a fully loaded SL in immaculate condition, 45k and 12 bars. I would hope it's worth more than a couple thousand.

My car is financed. I have to carry C&C and $2500 is as high as I can go on my deductible.

I just spent the last few hours getting quotes from other companies, some more, some less. Switching to Geico which dropped my premiums by about 1200 a year.
2013 Leaf SL (12/2013) + Premium package 31,000 miles - 58.8AHr - 89%SOH

LeftieBiker
Posts: 9810
Joined: Wed May 22, 2013 3:17 am
Delivery Date: 30 Apr 2018
Location: Upstate New York, US

Re: Insurance costs for your leaf

Fri Mar 16, 2018 10:22 pm

You might want to consider a home equity or other loan to pay off the car, so you can drop the extras you are carrying to make the financing company happy. IIRC, I'm paying about $700 every six months for my Leaf. I'm Old, though, and have a clean license.
Scarlet Ember 2018 Leaf SL W/ Pro Pilot
2009 Vectrix VX-1 W/18 Leaf modules, & 3 EZIP E-bicycles.
PLEASE don't PM me with Leaf questions. Just post in the topic that seems most appropriate.

SageBrush
Posts: 2912
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: Insurance costs for your leaf

Fri Mar 16, 2018 10:29 pm

The smart move if you can do it would be pay off the loan and then drop the C&C.

Here are retail prices for 2013 MY LEAFs from a Sacramento area dealer.
https://carportal.co/buy/page/2/

Note that the higher trim cars do not command higher prices, and battery health is not part of the valuation. As owners we feel very differently but that is the market value upon which your insurance company will base its liability towards you in the event of a C&C claim.
2013 LEAF 'S' Model with QC & rear-view camera
Bought off-lease Jan 2017 from N. California
Car is now enjoying an easy life in Colorado
03/2018: 58 Ahr, 28k miles
11/2018: 56.16 Ahr, 30k miles
-----
2018 Tesla Model 3 LR, Delivered 6/2018

RonDawg
Posts: 2902
Joined: Sat Jan 12, 2013 3:46 am
Delivery Date: 11 Jan 2013
Leaf Number: 027089
Location: SoCal

Re: Insurance costs for your leaf

Sun Mar 18, 2018 6:03 pm

Some insurance companies like the Leaf, others hate it. For example, AAA wanted FOUR times what my then-insurer Allstate was charging me. I actually had to read the email multiple times as I couldn't believe what I was seeing. Rate quotes in subsequent years was giving me the same result, so it wasn't a fluke. I know it wasn't me, as quotes from AAA pre-Leaf were not much more than Allstate.

All I can say is...shop, shop, shop around.
Blue Ocean 2012 Leaf SV, lost that 1st bar at 34 months/26,435 miles. Lease returned 2 months later. Final LeafStat figures: 225 Gids, 17.44 kWH, SOC 91.89%, SOH 82.36%, 69.49% HX, 54.57 Ahr, battery temp 61.8 F.
Now driving a 2015 VW eGolf SEL.

Br4hm4
Posts: 38
Joined: Mon Feb 05, 2018 7:38 am
Delivery Date: 26 Feb 2018
Leaf Number: 300684
Location: Colorado Springs

Re: Insurance costs for your leaf

Mon Mar 19, 2018 8:10 am

That seems ridiculous. My 2018 SV with Tech is only costing me $940 a year. That is only $215 more than my 2004 Honda Odyssey that I just sold.

User avatar
RegGuheert
Posts: 6332
Joined: Mon Mar 19, 2012 4:12 am
Delivery Date: 16 Mar 2012
Leaf Number: 5926
Location: Northern VA

Re: Insurance costs for your leaf

Mon Mar 19, 2018 8:50 am

SageBrush wrote:I carry a $1M liability policy on my car for ~ $15 a month.
That's about what we pay.
RegGuheert
2011 Leaf SL Demo vehicle
10K mi. on 041413; 20K mi. (55.7Ah) on 080714; 30K mi. (52.0Ah) on 123015; 40K mi. (49.8Ah) on 020817; 50K mi. (47.2Ah) on 120717; 60K mi. (43.66Ah) on 091918.
Enphase Inverter Measured MTBF: M190, M215, M250, S280

User avatar
IssacZachary
Forum Supporter
Posts: 859
Joined: Fri Jan 13, 2017 9:57 am
Delivery Date: 15 Nov 2016
Leaf Number: 420789
Location: Gunnison, CO, USA

Re: Insurance costs for your leaf

Mon Mar 19, 2018 10:23 am

I pay around $80 per month for full coverage with a $1,000 deductible on AAA. It did come in handy when the wife didn't see a small rock wall. A rather small dent in the door ended costing nearly $4,000. I still had to cough up the $1,000 deductible though.

hackdroot wrote:I have a fully loaded SL in immaculate condition, 45k and 12 bars. I would hope it's worth more than a couple thousand.

My car is similar with a bit more mileage. (Premium Bose sound system, four cameras around the whole car, auto-dim, CHAdeMO, etc.) I've been trying to sell it for $8,000 to $10,000 for the past month and a half but have only been offered at most $5,000. I did some research on a 2013 fully loaded SL Leaf with 50,000 miles and came up with this:

Kelly Blue Book:

Trade-in
  • Range
    • Fair $5,397 - $7,860
    • Good $6,330 - $8,859
    • Very Good $6,330 - $8,859
    • Excellent $6,780 - $9,313
  • Average
    • Fair $6,629
    • Good $7,154
    • Very Good $7,595
    • Excellent $8,047
Private Party
  • Range
    • Fair $6,449 - $9,358
    • Good $6,972 - $9,933
    • Very Good $7,442 - $10,389
    • Excellent $7,922 - $10,857
  • Average
    • Fair $7,904
    • Good $8,453
    • Very Good $8,916
    • Excellent $9,390

Edmunds

Trade-in
  • Rough $4,373
  • Average $5,046
  • Clean $6,053
  • Outstanding $6,543
Private Party
  • Average $4,373
  • Average $6,396
  • Clean $7,680
  • Outstanding $8,289

NADA Guides

Trade-in
  • Rough $6,250
  • Average $7,250
  • Clean $8,075

Black Book Portals

Trade-in
  • Rough $6,525
  • Average $8,360
  • Clean $9,475
2013 SL SOLD :cry:
2013 Toyota Avalon Hybrid CURRENT

camasleaf
Posts: 632
Joined: Sun Sep 26, 2010 5:20 am
Delivery Date: 17 Jun 2011
Location: Camas, WA

Re: Insurance costs for your leaf

Mon Mar 19, 2018 12:55 pm

RegGuheert wrote:
SageBrush wrote:I carry a $1M liability policy on my car for ~ $15 a month.
That's about what we pay.


Is this part of the auto insurance or some umbrella policy? Thank you.
2011 SLe 06/17/11 Over 82000 miles 66%SOH 14.6kWh
2018 Honda Clarity PHEV $120 gasoline in 5600 miles
5.7kW DC System

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