The words “bargain” and “insurance” really shouldn’t be used together, especially when you are searching for the cheapest car insurance for postal workers. Because it’s not cheap, let’s familiarize you with some of the things that have an effect on car insurance premiums, and come up with some ideas to take the bite out of the next policy you buy.
Locating reasonably-priced car insurance is not easy, and finding out which company offers the lowest-priced car insurance rates for postal workers calls for a little more work. Every auto insurer uses their own calculation for setting prices, so we need to take a look at the car insurance companies with the overall cheapest rates in Tucson, AZ.
Lowest Insurance Price Quotes for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,435 |
| 17 | Amica | $1,443 |
| 18 | Titan | $1,461 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,568 |
| View More Rates Go | ||
The Hartford quotes some of the cheapest car insurance rates in Tucson at around $820 per year. This is $608 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the best Tucson, AZ insurance companies.
As depicted above, if you currently have a policy with USAA and switched to Auto-Owners, you could earn a yearly price reduction of roughly $216. Customers with Travelers may save as much as $222 a year, and Progressive insureds might lower prices by up to $255 a year.
Understand that those estimates are averaged across all types of insureds and vehicles and and are not figured with an exact zip code location for postal workers. So the car insurance company that is best suited for you may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare rates from multiple companies using your own specific driver and vehicle information.
The car, truck, or SUV to be insured is one of the primary factors that determines whether or not you can buy the lowest-priced auto insurance for postal workers. Vehicles with more horsepower, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than more modest models. The next table ranks car insurance costs for some of the more affordable automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,203 |
| Honda CR-V EX-L 4WD | $1,230 |
| Honda Accord LX 4-Dr Sedan | $1,380 |
| Volkswagen Jetta 2.0T Station Wagon | $1,407 |
| Toyota Camry LE | $1,422 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,447 |
| Honda Odyssey EX-L | $1,497 |
| Toyota Corolla LE | $1,506 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,524 |
| GMC Sierra SL Crew Cab 2WD | $1,530 |
| Toyota Prius | $1,529 |
| Ford Edge SE AWD | $1,604 |
| Nissan Rogue SL AWD | $1,610 |
| Find Cheaper Rates Go | |
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific Tucson, AZ garaging location which can lower or raise prices significantly.
Based upon the rates shown, vehicles like the Ford Escape, Honda CR-V, Honda Accord, Volkswagen Jetta, and Toyota Camry are likely to be a few of the more affordable vehicles to insure for postal employees.
Tickets and at-fault accidents raise rates
The easiest method to snag affordable car insurance premiums for postal employees is to pay attention while driving and avoid at-fault accidents and violations. The diagram below shows how violations and at-fault claims can increase annual premium costs for each different age category. The costs are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of car insurance in Arizona per year with no accidents or violations is $1,285. Add in two speeding tickets and the average cost jumps to $1,817, an increase of $532 each year. Next add one accident along with the two speeding tickets and the 12-month cost of car insurance for postal workers goes up to an average of $2,368. That’s an increase of $1,083, or $90 per month, just for not maintaining a clean driving record!
Full coverage versus liability only rates
Lowering the price of car insurance is important to most vehicle owners, and one of the fastest ways to buy cheap insurance for postal workers is to not pay for full coverage. The information below shows the difference between yearly insurance costs when comparing full coverage to liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, single status, and no discounts are factored in.
If averaged for all ages, comprehensive and collision coverage on your policy costs $2,305 per year more than carrying just liability coverage. Many people question if paying for full coverage is a waste of money. There isn’t a steadfast formula for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $3,500 after paying the physical damage deductible. If premiums are more than $350 a year for full coverage, then you may need to consider dropping full coverage.
Get discount Tucson car insurance
Insurance providers that offer coverage for postal workers may also give you special discounts that could reduce prices by as much as 30% if you meet certain criteria. Companies and some of their more popular discounts are outlined below.
- GEICO has savings for multi-policy, seat belt use, five-year accident-free, federal employee, defensive driver, and anti-lock brakes.
- MetLife may include discounts for defensive driver, good student, good driver, multi-policy, and claim-free.
- State Farm may have discounts that include passive restraint, defensive driving training, good driver, anti-theft, good student, multiple policy, and multiple autos.
- Progressive discounts include good student, online signing, multi-vehicle, online quote discount, and continuous coverage.
- Mercury Insurance policyholders can earn discounts including accident-free, good driver, age of vehicle, professional/association, multi-car, multi-policy, and good student.
- 21st Century offers discounts for teen driver, early bird, 55 and older, theft prevention, defensive driver, anti-lock brakes, and air bags.
- Allstate offers premium reductions for good payer, defensive driver, anti-theft, multi-policy, new car, and safe driver.
The example below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, claim-free, anti-theft, vehicle safety, multiple policy, and multiple vehicle discounts applied. In this example, the average savings per year on car insurance for postal workers is 28% or $475.
Ideas to find cheaper car insurance for postal workers
The list below details some money-saving solutions that can help you quote cheaper auto insurance.
- If possible, do not file small claims
- Avoid having at-fault accidents
- Higher comprehensive and collision coverage deductibles will save money
- Improve your credit score
- Buying home and auto together can help save money
- Serious violations like DUI or reckless driving can increase rates dramatically
- Look for cheaper rates once a year by shopping around
That last tip is notably critical, as was affirmed in this piece. Car insurance prices vary greatly, so don’t be tentative to buy a different policy if a better rate can be found. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that dedication is costing a fortune every year. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for postal workers in Tucson.
The agents listed below are a good start to help you make a decision which coverages are best, as lots of drivers aren’t clear which coverage they need and would like to have some professional guidance when shopping for cheaper insurance for postal workers. It can be difficult to find the cheapest rates, and using a licensed agent can provide comfort knowing your coverage gives you enough coverage when you need it.
To find an agent by location nearest to you, click the button following the list.
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 - John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 - Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 - Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 - Joe Robinette – State Farm Insurance Agent
4640 E Sunrise Dr #103 – Tucson, AZ 85718 – (520) 577-8833