How Much is Auto Insurance for Postal Workers in Virginia?

One of the key components that influence the amount you pay each year for auto insurance is your zip code in Virginia. Areas with increased crime or more people like Burke, Dale City, and McLean tend to have more expensive car insurance rates, whereas areas with less congestion profit from lower rates.

The illustration below displays the priciest cities in Virginia for postal workers in which to purchase auto insurance.

Table data uses comparative as the garaging address in Virginia can change auto insurance rates noticeably.

The vehicle requiring insurance is one of the largest considerations that determines if you can find the cheapest insurance for postal workers. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer models. The data below illustrates coverage premiums for the most budget-friendly automobiles to insure in Virginia.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in your specific Virginia location which can raise or lower coverage rates considerably.

Based upon the rates shown, we can expect makes and models like the Chevrolet Traverse, Ford Explorer, Honda CR-V, Toyota RAV4, and Subaru Forester are going to be a few of the more affordable vehicles to insure for postal employees.

Comparing quotes for cheap car insurance is not the easiest thing to do, and finding out which company quotes the cheapest auto insurance rates for postal workers will require even more rate comparisons.

Each auto insurance company uses different criteria to set premium rates, so let’s rank the most affordable auto insurance companies in Virginia. It’s important that you understand Virginia auto insurance rates are determined by lots of factors which can substantially change the price you have to pay. Turning one year older, buying a safer car, or having an accident can produce rate changes that can now make some companies higher when they were quite affordable.

Find Cheaper Car Insurance for USPS Employees

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Travelers generally has some of the cheapest car insurance rates in Virginia at around $659 annually. USAA, Cincinnati Insurance, Penn National, and Utica National also rank well as some of the cheaper Virginia insurance companies.

In this example, if you are a customer of USAA and switched to Travelers, you could realize an annual premium reduction of in the neighborhood of $57. Virginia drivers with Cincinnati Insurance could save as much as $74 a year, and Penn National policyholders might lower prices by $89 a year.

To see if you’re overpaying, click here to start a quote or click through to the companies below.

It’s important to note that these estimates are averaged across all drivers and vehicles in Virginia and and are not calculated with a rate discount for postal workers. So the auto insurance company that is best suited for you may not even be included in the company chart above. That is why you need to get auto insurance quotes using your own specific driver and vehicle information.

The diagram below illustrates how your deductible choice can influence annual premium costs when quoting cheap insurance for postal workers. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1815,1653,1469,1293],[‘Age 30’, 1281,1163,1029,899],[‘Age 40’, 1263,1149,1019,895],[‘Age 50’, 1107,1007,895,789],[‘Age 60’, 1053,961,853,749],[‘Age 70’, 1129,1027,915,809]]);var options = {title: ‘Impact of Deductibles on Insurance Premiums in Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could pocket $212 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $318 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could drop their prices as much as $522 annually by selecting a higher deductible.

When raising deductibles, it is important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Ending up with a highly-rated company is hard considering how many different companies sell coverage in Virginia. The information in the lists below may help you select which auto insurance companies you want to consider when comparing auto insurance rates for postal workers. The ratings below are only made up of companies that write coverage in many states, so smaller regional companies are not factored into these rankings.

How to find cheap car insurance for postal workers in Virginia

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help Virginia drivers find cheaper coverage.

• Higher comprehensive and collision coverage deductibles will save money
• Buy a safer vehicle
• Having at-fault accidents will increase rates
• Good credit can save money
• Keep your driving record clean
• Comparison shop at least once a year

The last suggestion is incredibly vital, as was stressed in the article above. Car insurance rates go up and down frequently, so don’t be afraid to buy a policy from a new company if a lower price can be found. Brand loyalty is not necessarily bad, but is isn’t recommended if that dedication is costing thousands of dollars over the life of your policy. In less than five minutes you could compare rates and find cheaper auto insurance for postal workers.

Best cheap insurance quotes for postal employees

There are a variety of different ways to find affordable auto insurance in Virginia, but the most prevalent methods are through an independent insurance agent, a captive (or exclusive) agency like State Farm or Auto-Owners, or from a direct company like Geico. They all have the same basic principle, but each is slightly different in how they function.

Independent insurance agencies write for multiple companies and can get rate quotes from each one. These types of agents are not restricted to one company and can provide you with more rates, which may give you the best chance of finding a lower price. If you are not satisfied with one company, they simply move the coverage in-house which requires no work on your part.

An agent who is captive is only able to quote rates from one insurance company, for example a State Farm or Farmers agent. Exclusive agents are unable to provide prices from multiple companies, so you need to shop around if the rates are high.

If you choose to buy auto insurance direct, you bypass local insurance agents and instead buy from a direct company like Geico or Progressive. Shopping direct can be a good choice for consumers who do not need high amounts of coverage and have an above average understanding of the exclusions of a policy.

So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap car insurance for postal workers in Virginia? It would be simple to say buying from a direct car insurance company results in the best prices because there are no middleman commissions, but that generally is not the case. It could also be said an independent agent results in the cheapest rates since they have more companies to choose from, but that is not accurate either. In some circumstances, exclusive agents have price quotes that are impossible to beat.

Due to the fact that auto insurance rates vary so much, the best way to ensure you are not overpaying for auto insurance is to obtain price quotes and compare them. It takes a little work, but we recommend you get prices from all three to have enough rates to compare. To see some of the cheapest online companies available, click here to view.