The words “low-cost” and “insurance” probably shouldn’t be used together, in particular when you are shopping around for the cheapest car insurance for postal workers. To help control this cost, let’s teach you some situations that have an effect on auto insurance premiums, and figure out some ways to lower the cost of your next policy.
The make and model of vehicle you are seeking coverage for is a large consideration when comparing quotes for the most economical car insurance for postal workers. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost more to insure than safer models.
The list below ranks insurance premiums for some of the most economical automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,579 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,585 |
| Ford Edge SEL AWD | $2,732 |
| Chevrolet Silverado LT Extended Cab 4WD | $2,787 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,804 |
| Ford Explorer Eddie Bauer 4WD | $2,839 |
| Ford Escape Limited 4WD | $2,873 |
| Honda Odyssey EX-L W/Navigation | $2,936 |
| Toyota Prius | $2,942 |
| Chevrolet Malibu LTZ | $2,987 |
| Jeep Grand Cherokee Limited 2WD | $2,995 |
| Dodge Grand Caravan Hero | $3,053 |
| Toyota RAV4 Limited 2WD | $3,061 |
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in specific zip code location which can increase or decrease insurance rates considerably.
Based upon the rates shown, cars like the Honda CR-V, Jeep Wrangler, and Ford Edge are the most economical vehicles to insure for postal employees.
One of the more important things that are used to help calculate car insurance rates is where your residence is. Areas with more people or more claims are more likely to have higher rates, whereas areas with less crime or weather claims receive better rates.
The table below ranks the most expensive places in Louisiana for postal workers in which to purchase auto insurance. New Orleans shows up at #1 with a yearly premium of $2,856 for the average insured, which is about $238 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | New Orleans | $2,856 |
| 2 | Harvey | $2,589 |
| 3 | Terrytown | $2,555 |
| 4 | Marrero | $2,494 |
| 5 | Metairie | $2,254 |
| 6 | Baton Rouge | $2,231 |
| 7 | Central | $2,201 |
| 8 | Kenner | $2,159 |
| 9 | Shenandoah | $2,139 |
| 10 | Prairieville | $2,105 |
| 11 | Hammond | $2,065 |
| 12 | Alexandria | $2,034 |
| 13 | Laplace | $2,031 |
| 14 | Monroe | $1,989 |
| 15 | Slidell | $1,957 |
| 16 | Sulphur | $1,954 |
| 17 | Lafayette | $1,936 |
| 18 | Lake Charles | $1,915 |
| 19 | Shreveport | $1,876 |
| 20 | New Iberia | $1,871 |
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Information shown are comparative as the specific area where the vehicle is garaged can influence price quotes substantially.
The diagram below shows how different deductible levels can increase or decrease annual premium costs when getting quotes for cheap insurance for postal workers. The data is based on a single female driver, full coverage, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could pocket $590 a year by increasing from a $100 deductible up to a $500 deductible, or save $886 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can cut up to $1,310 or even more by choosing larger deductibles on their policy. When using a larger deductible, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Get discount New Orleans insurance
Car insurance companies that offer cheap quotes for postal workers may provide price discounts that could reduce prices by 40% or more if you meet eligibility requirements. Popular auto insurance companies and their offered discounts are outlined below.
- State Farm offers discounts for good student, accident-free, driver’s education, anti-theft, good driver, and Steer Clear safe driver discount.
- American Family may include discounts for multi-vehicle, air bags, TimeAway discount, mySafetyValet, accident-free, and good student.
- GEICO has discounts for anti-theft, daytime running lights, federal employee, multi-policy, five-year accident-free, air bags, and defensive driver.
- 21st Century includes discounts for homeowners, automatic seat belts, student driver, early bird, defensive driver, and theft prevention.
- Progressive offers discounts including online quote discount, online signing, continuous coverage, good student, homeowner, and multi-policy.
The diagram below shows the difference between insurance premiums with and without discounts. The rate quotes are based on a female driver, no accidents or driving violations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, accident-free, defensive driving course, passive restraint, marriage, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for postal workers is 28% or $953.
How to find low-cost car insurance for postal workers
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help Louisiana drivers get low-cost coverage.
- On older vehicles, drop full coverage
- Drive vehicles with five-star safety ratings
- Do not get traffic citations
- Improve your credit rating
- Avoid accidents
- Raise physical damage deductibles
- Compare rates and switch if you can find a better deal
That final tip is extraordinarily critical, as was noted in this piece. Coverage rates can be changed at any time, so you should be ready to buy a policy from a new company if a lower-cost policy is available.
Many drivers prefer to stick with one company, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. Take a few minutes and compare rates and find cheaper insurance for postal workers in New Orleans.