The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, specifically when trying to find the cheapest car insurance for postal workers. To save some money, let’s familiarize you with some of the factors that help determine auto insurance prices, and see if we can help you take the bite out of your next policy.
The type of vehicle to be insured is one of the largest considerations that determines the availability of the cheapest car insurance for postal workers. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models.
The next list shows insurance prices for a selection of the more affordable automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,436 |
| Toyota Prius | $1,454 |
| Honda CR-V EX-L 4WD | $1,470 |
| Toyota Tacoma 2WD | $1,524 |
| Toyota RAV4 Limited 2WD | $1,555 |
| Chevrolet Equinox LS 2WD | $1,560 |
| Chevrolet Malibu LT | $1,583 |
| Ford Explorer Limited 2WD | $1,593 |
| Ford Escape Limited 4WD | $1,601 |
| Ford F-350 XL Super Cab 2WD | $1,612 |
| Ford F-150 XLT Regular Cab 2WD | $1,632 |
| Toyota Corolla XLE | $1,640 |
| Ford Edge Sport 2WD | $1,650 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,668 |
| Honda Odyssey Touring | $1,676 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,697 |
| Chevrolet Impala LT | $1,699 |
| Dodge Grand Caravan Crew | $1,733 |
| Hyundai Sonata SE 4-Dr Sedan | $1,751 |
| Ford Focus SEL 4-Dr Sedan | $1,761 |
| Toyota Camry Hybrid | $1,780 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,787 |
| Kia Optima SX | $1,780 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in your specific San Francisco, CA location which can affect coverage prices noticeably.
Based upon the rates shown, we can conclude that vehicles like the Honda Accord, Toyota Prius, Honda CR-V, Toyota Tacoma, and Toyota RAV4 should be the less-costly vehicles to insure for postal employees.
For postal employees, one of the big criteria that determine the amount you pay for auto insurance is where you keep your car in San Francisco. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The next table sorts the most expensive areas in California for postal workers to buy an auto insurance policy in. San Francisco shows up at #3 with a yearly premium of $1,711 for the average policyholder, which is around $143 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,596 |
| 7 | Fontana | $1,581 |
| 8 | Long Beach | $1,578 |
| 9 | Santa Clarita | $1,548 |
| 10 | Stockton | $1,541 |
| 11 | Garden Grove | $1,524 |
| 12 | Fresno | $1,502 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | San Diego | $1,381 |
| 20 | Huntington Beach | $1,360 |
| 21 | Fremont | $1,348 |
| 22 | Oxnard | $1,344 |
| 23 | Irvine | $1,343 |
| 24 | Bakersfield | $1,340 |
| 25 | Chula Vista | $1,298 |
| Compare Prices Now Go | ||
Premium amounts are estimated as specific San Francisco zip code can revise premium rates considerably.
The information below demonstrates how choosing different deductibles can increase or decrease annual premium costs when trying to find cheap insurance for postal workers. The prices are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could pocket $408 a year by changing from a $100 deductible to a $500 deductible, or save $618 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could shave $1,230 or even more by choosing a larger deductible amount.
When choosing a higher deductible, it will be important to have emergency funds available to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Poor driving habits will raise your car insurance rates
The easiest way to receive the best car insurance rates in California for postal employees is to be an attentive driver and avoid accidents and traffic violations. The example below shows how traffic citations and fender-benders raise insurance prices for different age groups. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of a car insurance policy in California per year with a clean driving record and no accidents is $3,444. Add in two speeding tickets and the average cost swells to $4,580, an increase of $1,136 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of car insurance for postal workers goes up to an average of $5,729. That’s an increase of $2,284, or $190 per month, just for not driving attentively!
Types of discounts on San Francisco insurance rates
Car insurance companies that offer quotes for postal workers could also offer special discounts that can lower rates by 35% or more if you are eligible to receive them. A few of the larger companies and the discounts they provide are shown below.
- State Farm may have discounts that include student away at school, multiple autos, good student, defensive driving training, anti-theft, driver’s education, and safe vehicle.
- GEICO discounts include seat belt use, military active duty, air bags, federal employee, and multi-vehicle.
- Progressive includes discounts for good student, multi-vehicle, homeowner, multi-policy, online signing, and online quote discount.
- 21st Century has discounts for homeowners, 55 and older, driver training, automatic seat belts, and good student.
- American Family may offer discounts for Steer into Savings, TimeAway discount, accident-free, good student, multi-vehicle, air bags, and bundled insurance.
- The Hartford offers discounts for defensive driver, bundle, driver training, good student, vehicle fuel type, and anti-theft.
- AAA policyholders can earn discounts including AAA membership discount, multi-policy, pay-in-full, multi-car, anti-theft, education and occupation, and good student.
The information below compares insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, safe-driver, passive restraint, claim-free, multiple vehicle, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for postal workers is 28% or $576.