earlgrey
Posts: 11
Joined: Fri Dec 16, 2016 10:09 am
Delivery Date: 16 Dec 2016

First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 12:44 am

I got my first Leaf on December 15, winding up with a 2014 S with 19k miles for $8,900.

It's really beat my expectations. I'm in the inland Northwest and we've had fairly cold weather plus a ton of snow. I think my range anxiety lasted all of a week... even with our unplowed roads and 10 degree weather I drive it like any other car, blasting the heat and driving as necessary in my relatively traffic-heavy morning commute.

I will say I'm not impressed with the stock Ecopia tires. I'm sure the 1.5 ton curb weight and instant torque aren't helping in the snow, but the tires feel like injection-molded plastic :shock: . I've read a few threads on replacement tires but feel free to chime in with any recommendations.

The insurance cost did come as quite the shock to me, however. I'm 22 with one speeding ticket so I didn't expect a bargain, but I got quoted a full $241 more per month with the Leaf, almost a full 4x increase to $333 from $91. My wife has an 02 low mileage Outback valued about the same on our policy and I swapped an '81 VW diesel caddy out for the Leaf (the caddy is on garage insurance now at ~$6/month for summer camping trips).

Any insurance recommendations or tips out there? I'm with Farmers right now with homeowners and the two other cars. The service is excellent and all my other rates with them seem reasonable, but I wasn't expecting such a jump!

LeftieBiker
Posts: 5436
Joined: Wed May 22, 2013 3:17 am
Delivery Date: 31 May 2013
Location: Upstate New York, US

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 3:24 am

Get multiple quotes. Insurers are all over the map on cars like the Leaf. I use ESurance, but I'm not terribly impressed with them. Low rate to start, steady increases ever since.
2013 "Brilliant Silver" SV with Premium Package and no QC, and 2009 Vectrix VX-1 with 18 Leaf cells.

The most offensive, tasteless phrase in use here is "Pulled the trigger." I no longer respond to posts that use it.

sendler2112
Posts: 213
Joined: Wed Jan 06, 2016 5:05 pm
Delivery Date: 07 Jan 2016
Location: Syracuse, NY USA

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 3:48 am

I usually recommend the Michelin snows for good grip, quiet, and long life.
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https://www.tirerack.com/tires/tires.js ... oModClar=S
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And have been using Progressive insurance for everything since I started motorcycling as they are by far the cheapest for bikes.

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DuncanCunningham
Forum Supporter
Posts: 335
Joined: Thu Mar 26, 2015 10:02 am
Delivery Date: 15 Apr 2015
Location: Bountiful, UT

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 9:49 am

with regards to insurance I used to be with Liberty Mutual for all my needs, car, home and Life. A few years ago they started to pump up the prices and I shopped around again. I looked at Geico a few times in the past but they never matched Liberty Mutual, in 2014 they did, by a long mark, so I switched to them. Each 6 months I look and search and up until Dec 2016 they have been the best for me.

Make sure to setup the coverage that same for all quotes. I did that and I'm happy with a higher deductible of $1000 and switch on options to see their costs, sometimes fully comp is cheap for a old car but remember if you have a $1000 deduct, what would it cover?. etc..

Geico is quite good for that kind of research. They might not be able to help you, as they didn't for me until 2014, but it's worth a try.
Statler: Wake up you old fool. You slept through the show.
Waldorf: Who's a fool? You watched it.

2015 Leaf S (leased until May 2018, Bought out in Jan 2017)
2012 Leaf SL (purchased May 2015)

SageBrush
Posts: 313
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 11:00 am

I insure the LEAF for about $15 a month to have 1M/300k liability w/ uninsured motorist in Colorado through Amica with a clean driving record.
This is one of the benefits of buying inexpensive cars and driving safely and defensively : I self insure comp and collision.

I actually pointed out to my wife this morning that our newer Honda Fit is 30% cheaper. I presume the difference is car weight.
Last edited by SageBrush on Tue Jan 03, 2017 11:20 am, edited 2 times in total.
2013 Model 'S' with QC & rear-view camera
Bought off-lease Jan 2017 from N. California with 63.9 Ahr after 22k miles
Car is now enjoying an easy life in Colorado

User avatar
Jefe
Gold Member
Posts: 136
Joined: Tue Nov 24, 2015 3:38 pm
Delivery Date: 28 Nov 2015
Leaf Number: 405983
Location: Raleigh, NC

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 11:01 am

wow, that's insane! I'm on State Farm and I saw an increase as well with my Leaf (coming from a Prius), but only in the $40/month range.
I pay $118/month for a '13 Leaf and a '16 Highlander. The Leaf costs more than the brand new Highlander, btw.

I did get a quote from Geico recently that was around $79/month. I just haven't made the switch yet because I'm change averse.
2013 SV + Premium Pkg. No QC.

User avatar
DuncanCunningham
Forum Supporter
Posts: 335
Joined: Thu Mar 26, 2015 10:02 am
Delivery Date: 15 Apr 2015
Location: Bountiful, UT

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 11:17 am

Jefe wrote: around $79/month. I just haven't made the switch yet because I'm change averse.



Send me the $40 month, for nothing, until you feel like changing (which is what the insurance company is saying to you.) I guess this is why it pays to shop around, as most people don't want to change and they know that.
Statler: Wake up you old fool. You slept through the show.
Waldorf: Who's a fool? You watched it.

2015 Leaf S (leased until May 2018, Bought out in Jan 2017)
2012 Leaf SL (purchased May 2015)

Doomsday
Posts: 20
Joined: Thu Dec 29, 2016 11:15 pm
Delivery Date: 30 Dec 2016

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 11:44 am

wow. I just added my 2013 sl leaf to my insurance. It took mine from 400ish every 6 months to 600ish every 6 months for full coverage on it and my 2001 dodge caravan.

Bob
Posts: 274
Joined: Fri May 24, 2013 7:13 pm
Delivery Date: 30 May 2013
Location: New Hampshire

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 1:02 pm

As you consider changing tires, keep in mind that there is a tradeoff between handling and rolling resistance. Although this is a sweeping generalization and not 100% accurate, in general, the best range (lowest friction) will come from tires with the worst grip.

Bob

sendler2112
Posts: 213
Joined: Wed Jan 06, 2016 5:05 pm
Delivery Date: 07 Jan 2016
Location: Syracuse, NY USA

Re: First few weeks with my used Leaf... Insurance sticker shock!

Tue Jan 03, 2017 2:07 pm

Every car that drives on snow needs four snow tires in order to be safe.
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https://youtu.be/GlYEMH10Z4s
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