Figuring out which companies offer the best auto insurance rates for postal workers takes a bit more work in order to find the most economical policy. Each auto insurance company uses a slightly different approach for determining prices, so we need to take a look at the auto insurance companies that tend to have lower prices in Pennsylvania.
Lowest Insurance Price Quotes for USPS Employees
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,411|
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General Casualty has some of the cheapest car insurance rates in Philadelphia at around $726 annually. This is $931 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Travelers, Penn National, and Erie also are some of the best Philadelphia, PA auto insurance companies.
In the above example, if you currently buy coverage from USAA and switched to General Casualty, you might achieve savings of in the vicinity of $59. Policyholders with Travelers might save as much as $77 a year, and Penn National customers might cut rates by $82 a year.
Understand that those policy rates are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for postal workers. So the car insurance company that can offer you the best price may not even be in the list above. That’s why you need to get car insurance quotes using your own specific driver information and vehicle.
One of the more important factors that aid in calculating the annual cost of car insurance is where you live. Areas with a lot of weather claims or more people tend to pay slightly more, whereas more rural areas have the luxury of lower rates.
The information below lists the priciest cities in Pennsylvania for postal workers to buy car insurance in. Philadelphia shows up at #1 with an annual cost of $2,037 for the average policyholder, which is approximately $170 each month.
|Rank||City||Premium Per Year|
|9||Municipality of Monr||$1,091|
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Rate quotes are approximated as the specific zip code location can increase or decrease prices substantially.
The vehicle you are buying coverage for is a significant factor when shopping around for the best cheap auto insurance for postal workers. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.
The next table showcases coverage costs for a number of the most cost-effective vehicles to insure in Pennsylvania.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$4,077|
|Ford Escape XLS 4WD||$4,459|
|Hyundai Elantra GLS Touring Station Wagon||$4,469|
|Chevrolet Impala LS||$4,737|
|Ford Focus SE 4-Dr Sedan||$4,746|
|Ford Explorer XLT 2WD||$4,991|
|Honda Odyssey EX-L||$5,087|
|Nissan Rogue SL 2WD||$5,169|
|Ford Edge SEL 2WD||$5,178|
|GMC Sierra SL Extended Cab 2WD||$5,283|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$5,324|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$5,387|
|Dodge Grand Caravan SXT||$5,396|
|Volkswagen Jetta LE 4-Dr Sedan||$5,433|
|Toyota RAV4 2WD||$5,439|
|Chevrolet Equinox LT AWD||$5,433|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in vehicle location which can change coverage rates noticeably.
Looking at the numbers, we can conclude that makes and models like the Honda CR-V, Ford Escape, Hyundai Elantra, and Chevrolet Impala are most likely to be some of the most budget-friendly vehicles to insure for postal employees.
Get discount Philadelphia auto insurance
Insurance companies that sell policies for postal workers may also give you discounts that may potentially lower prices by 25% or more if you meet eligibility requirements. Larger auto insurance companies and a selection of discounts are detailed below.
- State Farm includes discounts for multiple autos, good driver, good student, student away at school, Steer Clear safe driver discount, and anti-theft.
- American Family offers discounts including accident-free, early bird, good driver, air bags, bundled insurance, and multi-vehicle.
- GEICO has discounts for driver training, air bags, military active duty, federal employee, good student, seat belt use, and multi-vehicle.
- 21st Century may have discounts that include teen driver, automatic seat belts, air bags, 55 and older, and early bird.
- Progressive offers discounts for online quote discount, homeowner, good student, online signing, continuous coverage, and multi-vehicle.
The diagram below compares insurance rates with and without discounts applied to the policy rates. The rates are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, accident-free, vehicle safety, passive restraint, homeowner, and safe-driver discounts applied. When these discounts are applied, the average savings per year on auto insurance for postal workers is 28% or $494.
Selecting a highly-rated car insurance provider can be difficult considering how many companies are available to choose from in Pennsylvania. The company rank data shown below may help you select which coverage providers to look at shopping your coverage with.
These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not included in this list. If you’d like to compare prices from these top-rated insurers and more, click here.
Top 10 Major Car Insurance Companies Overall in Philadelphia
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
How to find cheaper auto insurance for postal workers
The list below details some of the recommended thrifty solutions that can help you find cheap auto insurance.
- Save money by insuring older vehicles for liability only
- At-fault accidents will increase rates
- Higher credit scores can equal lower rates
- Raise your deductibles
- Vehicles with safetly features generally cost less to insure
- Tickets and violations raise rates
- Compare rates often to find the best deal
The final tip is extraordinarily necessary, as was emphasized in this write-up. Prices charged by auto insurers can change significantly in a year, so you should be ready to switch companies 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 small fortune year after year. It takes less than five minutes to compare prices and find cheaper insurance for postal workers in Philadelphia.