How Much are Auto Insurance Quotes for Postal Workers in Louisiana?

Finding dependable, budget car insurance is hard enough, and figuring out which company has the best insurance rates for postal workers involves even more diligence.

Every insurance provider uses their own calculation to set premium rates, so we’ll go over the insurance companies with the overall cheapest rates in Louisiana.

Best Auto Insurance Prices for USPS Employees

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USAA normally has some of the best car insurance rates in Louisiana at around $1,642 each year. MetLife, GEICO, Progressive, and Safeway also are some of the more affordable Louisiana car insurance companies.

As the example above demonstrates, if you are a policyholder with GEICO and switched to USAA, you might realize a yearly price reduction of about $303. Louisiana drivers with Progressive might save as much as $363 a year, and Safeway customers might reduce rates by $490 a year.

Remember that these premiums are averages for all ages of drivers and types of vehicles and do not factor in a price discount for postal workers. So the car insurance company that can offer you the best rate may not even be featured in the above list. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

The vehicle driven is probably the most important factor when shopping around for cheap auto insurance for postal workers in Louisiana. Vehicles with average performance, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models.

The table below features car insurance prices for a selection of the cheaper automobiles to insure in Louisiana.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Louisiana which can modify insurance rates greatly.

Looking at the numbers, you can see that vehicles like the Kia Forte, Ford Escape, Honda CR-V, and Ford Focus will definitely be the most affordable vehicles to insure for postal employees.

Accidents and violations increase rates

The easiest way to earn the best insurance rates in Louisiana for postal employees is to be a careful driver and avoid accidents and traffic citations. The information below shows how speeding tickets and fender-benders can drive up insurance premiums for each different age category. The premiums are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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In the previous example, the average cost of auto insurance in Louisiana per year with no violations or accidents is $3,251. Receive one speeding ticket and the average cost surges to $3,666, an increase of $415 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for postal workers jumps again to an average of $7,268. That’s an increase of $4,017, or $335 per month, just for not being attentive to the road!

What is the best insurance company in Louisiana?

Finding the right company can be a challenge considering how many companies there are in Louisiana. The rank data in the lists below may help you decide which companies you want to consider when trying to find cheaper insurance for postal workers. The rankings below only include companies that write coverage in many states, so smaller companies are not taken into consideration for these rankings.

How to find economical auto insurance for postal workers

It’s not impossible to find cheaper rates, and here are some of the better thrifty solutions that can help you get the cheapest auto insurance.

• Be a safe driver
• Vehicles with safetly features generally cost less to insure
• Increase your credit rating
• Raise your physical damage coverage deductibles
• Accidents can significantly increase rates
• Compare rate quotes often

The last tip in the list is incredibly significant, as was pointed out in the prior article. Prices charged by car insurance companies change constantly, so don’t be hesitant to switch companies if you find a better deal.

Loyalty to a specific company is fine, but is isn’t recommended if it’s costing you a lot of money every month. In just a few minutes you could shop around to find cheaper auto insurance for postal workers.