Finding out which company has the cheapest car insurance rates for postal workers in Texas will take a little more work than just comparing a company or two. Each insurance company uses their own formula for establishing rates, so let's look at the rankings for the car insurance companies with the most affordable rates in Texas.
It's important to understand that Texas car insurance rates are impacted by many things which can substantially change the price you have to pay. Simply turning a year older, moving to a different location, or getting a DUI may prompt premium changes resulting in some rates now being more affordable than before.
Find the Cheapest Auto Insurance for USPS Employees
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers quotes some of the cheapest car insurance rates in Texas at around $1,052 annually. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Texas insurance companies.
In the above example, if you are a customer of Germania Mutual and switched to Travelers, you may see a yearly price reduction of in the vicinity of $242. Policyholders with Esurance may save as much as $313 a year, and California Casualty customers might see rate reductions of $344 a year.
To find out how your current rates compare, click here to start your free quote or feel free to get quotes from the companies below.
It's important to note that these estimates are averaged across all types of insureds and vehicles and are not factoring in a price decrease for postal workers. So the auto insurance company that can offer you the best rate may not even be in the list above. That's why you need to get auto insurance quotes using your own personal information and vehicle type.
The make and model of vehicle that needs insurance is a significant factor when comparing the most affordable auto insurance for postal workers. Vehicles with limited top-end speed, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models. The list below ranks car insurance rates for a selection of the cheaper vehicles to insure in Texas.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Volkswagen Jetta S 2.5 Station Wagon||$1,113|
|Ford Escape XLS 4WD||$1,122|
|Ford Explorer XLT AWD||$1,145|
|Honda CR-V LX 2WD||$1,156|
|Ford Focus SE 4-Dr Sedan||$1,188|
|Toyota Tacoma 2WD||$1,193|
|Toyota RAV4 Limited 4WD||$1,211|
|Hyundai Elantra SE Touring Station Wagon||$1,220|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,229|
|Ford F-150 FX4 4WD||$1,233|
|Dodge Grand Caravan CV||$1,254|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,275|
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific garaging location which can change premium rates significantly.
Looking at the numbers, you can presume that cars like the Volkswagen Jetta, Ford Escape, Toyota Prius, and Ford Explorer should be the cheaper vehicles to insure for postal employees.
One of the many factors that aid in calculating the price you pay for insurance is where you keep your vehicle. Areas with more people or higher crime rates like McAllen, Amarillo, and Dallas are more likely to pay higher prices, whereas more rural areas benefit from having to pay less for coverage.
The illustration below lists the most expensive areas in Texas for postal workers to purchase a policy in.
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Premium costs are comparative as specific Texas garaging address can lower or raise prices significantly.
The information below shows how choosing a deductible can raise or lower insurance rates when searching for cheap insurance for postal workers in Texas. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could pocket $302 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could save up to $766 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is necessary to have enough savings to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Impact of violations and accidents on rates
In a perfect world, the ideal way to obtain cheap car insurance prices for postal employees is to drive attentively and avoid at-fault accidents and violations. The information below highlights how speeding tickets and at-fault collisions can impact premium costs for each age group. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $2,159. Factor in one speeding ticket and the average cost rises to $2,439, an increase of $280 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for postal workers in Texas increases to an average of $5,046. That's an increase of $2,887, or $241 per month, just for not paying attention while driving!
Types of discounts on Texas insurance rates
Insurance companies that offer coverage for postal workers may also offer special discounts that can lower rates by 25% or more if you are eligible for them. Larger car insurance companies and the discounts they provide are:
- GEICO may offer discounts for driver training, multi-vehicle, five-year accident-free, seat belt use, anti-theft, daytime running lights, and defensive driver.
- MetLife may include discounts for claim-free, good driver, accident-free, defensive driver, good student, and multi-policy.
- State Farm policyholders can earn discounts including safe vehicle, anti-theft, driver's education, passive restraint, good student, accident-free, and good driver.
- Progressive discounts include good student, multi-vehicle, continuous coverage, homeowner, multi-policy, online quote discount, and online signing.
- Mercury Insurance includes discounts for anti-theft, good student, multi-policy, multi-car, and annual mileage.
- 21st Century offers discounts including early bird, air bags, anti-lock brakes, good student, defensive driver, theft prevention, and 55 and older.
- Allstate offers discounts for FullPay discount, resident student, utility vehicle, farm vehicle, auto/life discount, and eSmart discount.
The diagram below shows the difference between car insurance rates with and without discounts applied to the rates. Data assumes a female driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, multiple vehicle, vehicle safety, safe-driver, multiple policy, and claim-free discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for postal workers is 28% or $637.
How to find the cheapest insurance for postal workers in Texas
The list below details some thrifty suggestions that can help you quote cheaper coverage.
- Remain accident-free and save
- Don't waste money on full coverage for older vehicles
- Be a safe driver
- Vehicles with safetly features generally cost less to insure
- Good credit scores may make rates cheaper
- Higher physical damage deductibles lower rates
- Compare rates and switch if you can find a better deal
The last suggestion is remarkably significant, as we discussed in this article. Auto insurance rates fluctuate considerably, so don't hesitate to buy a different policy if you can find a cheaper rate.
Brand loyalty is great, but we do not recommend it if it's costing you a small fortune year after year. Now is a great time to shop around and find cheaper auto insurance for postal workers.