It’s hard to miss the commercials from car insurance companies like Progressive and Liberty Mutual that make claims of big savings. So drivers should just choose the one with the best commercial, right?
It’s not that easy, however, as there are a whole bunch of unknown elements such as the number of miles you drive in a year, any driving violations you may have, if you have a spouse, and the area you live in, that all impact the cost of your policy. This article will detail the things that cause high insurance rates and educate you enough to have a good start in finding the cheapest insurance.
For postal employees, one of the more important criteria that are looked at to determine the amount you pay for auto insurance is your zip code. More densely populated places are more likely to have higher rates, whereas areas with less people or fewer weather incidents receive better rates.
The illustration below shows the most expensive places in Arizona for postal workers to buy car insurance in. Phoenix makes the list at #1 with the annual price of $1,255 for coverage, which is around $105 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,210 |
| 3 | San Tan Valley | $1,196 |
| 4 | Glendale | $1,178 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,147 |
| 7 | Peoria | $1,126 |
| 8 | Tempe | $1,118 |
| 9 | Buckeye | $1,110 |
| 10 | Gilbert | $1,108 |
| 11 | Maricopa | $1,107 |
| 12 | Goodyear | $1,098 |
| 13 | Chandler | $1,093 |
| 14 | Tucson | $1,072 |
| 15 | Oro Valley | $1,062 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casas Adobes | $1,040 |
| 20 | Flagstaff | $969 |
| 21 | Yuma | $963 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $852 |
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Annual rates are approximated as specific location information can impact auto insurance rates considerably.
Locating budget car insurance is not the easiest thing to do, and figuring out which companies have the lowest-priced auto insurance rates for postal workers will take a bit more work.
Each insurer has a unique approach for determining rates in each state, so we’ll take a look at the most competitive auto insurance companies in Phoenix. It’s a good idea to know that Phoenix auto insurance rates are calculated based on many things which can substantially change the price you pay. This price fluctuation is why it is so important to perform a complete rate comparison when trying to get the most affordable auto insurance rates for postal workers. Insurance prices are determined by many factors and change substantially, so the cheapest company a year ago may now be quite expensive.
Best Auto Insurance Prices for USPS Employees
The Hartford normally has some of the cheapest car insurance rates in Phoenix at around $820 annually. This is $608 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the cheaper Phoenix, AZ car insurance companies.
As shown in the rates above, if you currently buy coverage from Travelers and switched to Auto-Owners, you could realize yearly savings of in the neighborhood of $178. Insureds with USAA may save as much as $216 a year, and Progressive policyholders might see rate reductions of $221 a year.
It’s important to note that these premium estimates are averaged for all ages of drivers and types of vehicles and are not factoring in a specific zip code for postal workers. So the auto insurance company that has the cheapest rates for you may not even be in the top 28 companies in the list above. That’s why you need to quote rates from many companies using your own individual information.
Insuring your vehicle with the top auto insurance provider can be a challenge considering how many different companies there are to choose from in Arizona. The ranking data shown next may help you choose which car insurance companies to look at shopping your coverage with.
These rankings only include companies that insure vehicles across America, so companies that only write business in Arizona or surrounding areas are not factored into these rankings. To compare rates from the most competitive companies in Arizona, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discount Phoenix insurance
Insurers that offer coverage for postal workers may also give you policy discounts that can reduce rates by 25% or more if you are eligible for them. Larger auto insurance companies and their possible discounts can be read below.
- American Family may offer discounts for early bird, Steer into Savings, good driver, accident-free, TimeAway discount, and bundled insurance.
- Nationwide has discounts for easy pay, business or organization, multi-policy, defensive driving, and Farm Bureau membership.
- MetLife has savings for accident-free, multi-policy, good driver, defensive driver, claim-free, and good student.
- 21st Century offers discounts for driver training, automatic seat belts, theft prevention, homeowners, and teen driver.
- Farmers Insurance offers premium reductions for homeowner, youthful driver, distant student, multi-car, business and professional, and alternative fuel.
- Allstate policyholders can earn discounts including utility vehicle, safe driver, premier plus, resident student, and multi-policy.
The illustration below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, anti-theft, homeowner, safe-driver, marriage, and accident-free discounts applied. In this example, theaverage amount saved on auto insurance for postal workers is 28% or $471.
The benefit of shopping around
Phoenix auto insurance rates are based on many factors which can substantially change the price of your policy. Improving your credit rating, buying a home instead of renting, or getting a couple of tickets may cause policy rate changes resulting in some companies being cheaper than before. Not only may things change on your end, but car insurance companies change the rates they charge in Arizona without warning in order to remain profitable. Heavier than normal losses may cause rate increases, while lower claims can produce cheaper Phoenix car insurance rates.
For instance, the graph below shows rates for the cheapest car insurance in Phoenix, AZ for a 45-year-old female driver with no accidents or violations, and good financial standing. If we look at prices based on her current rating profile, The Hartford might offer the lowest car insurance rates in Phoenix at $1,192 annually. This is $236 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the cheapest Phoenix, AZ auto insurance companies.
Now we will pretend the driver from the first set of rates a claim surcharge, a lower credit rating, and a few blemishes on her driving record. Due to the fact that each insurance company has their own formula to set their prices, comparing insurance quotes may now present a different set of the cheapest Phoenix car insurance companies as shown below.
GEICO now has the cheapest car insurance in Phoenix with Ameriprise Group, CSAA, Allied, and Safe Auto now being in the top five. This example demonstrates why consumers need to take the time to compare rates when trying to find the lowest auto insurance quotes for postal workers. Insurance prices consist of many risk factors and can increase or decrease at any time, so the most economical company the last time you compared rates may now be wasting a lot of money.
How to find economical auto insurance for postal workers
It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help you get cheap car insurance.
- Violations like speeding or DUI increase rates
- Increase your credit rating
- Raise your physical damage coverage deductibles
- Do not pay for full coverage on older vehicles
- Avoid having at-fault accidents
- The safer your car, the less it costs to insure
- Look for cheaper rates once a year by shopping around
The last idea is notably valuable, as we pointed out in the prior information. Auto insurance rates change a lot, so don’t be unwilling to switch to a new company if a better rate can be found. Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you a lot of money every month. It only takes a couple minutes to compare prices and find cheaper car insurance for postal workers in Phoenix.