How Much are Car Insurance Quotes for Postal Workers in California?

We always joke that when we write about auto insurance, the word “cheap” really should not be used anywhere in the article. Regardless, cheap car insurance for postal workers can be difficult to find. Don’t let that spoil your day, because we are going to show you how you can still get insurance that is easy on your budget.

For postal employees, one of the big criteria that insurance companies take into consideration when calculating the amount you pay each year for auto insurance is where your car is garaged in California. Areas with more people or more claims like Los Angeles, San Francisco, and Sacramento are more likely to pay higher prices, whereas less populated areas have the gratification of cheap car insurance for postal workers in California.

The table below sorts the highest-priced places in California for postal workers in which to buy car insurance.

Rate quotes are estimated as the garaging address in California can affect price quotes greatly.

Deciding which insurers offer the cheapest auto insurance rates for postal workers will take a bit more effort in order to find the best price. Every car insurance company uses a different method to set premium rates, so to begin we’ll rank the overall cheapest auto insurance companies in California.

Best Insurance Companies for USPS Employees

Compare Rates and Save

USAA has some of the cheapest car insurance rates in California at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheapest California car insurance companies.

In the rate table above, if you are currently insured with Nationwide and switched to Wawanesa, you might achieve an annual savings of roughly $93. Policyholders with 21st Century may save as much as $181 a year, and Grange customers might reduce prices by as much as $276 a year.

Remember that these rates are averaged across all ages of drivers and types of vehicles and are not factoring in a price discount for postal workers. So the car insurance company that fits your age and vehicle best may not even be shown in the chart above. That’s why you need to compare as many prices as possible using your own individual information.

Rate comparison of full coverage and liability-only

Finding cheap car insurance for postal workers in California is important to most vehicle owners, and one of the best ways to reduce the cost of insurance is to buy liability only. The chart below shows the comparison of auto insurance costs with full coverage compared to only the California minimum liability coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.

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If we average all the age groups together, physical damage coverage on your policy costs $2,525 per year over having just liability coverage. Many of you may wonder if you should buy full coverage. There is no definitive formula of when to exclude comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $7,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,500 after the deductible is paid. If you are paying over $650 annually for physical damage coverage, then you may need to consider dropping full coverage.

State Farm, Allstate, Progressive, and Geico: Who is best?

If you’re looking for the cheapest car insurance for postal employees in California, some of the largest companies to start with are State Farm, Allstate, Progressive, and Geico. If you combine them together, they insure over 45% of all policies written in the United States. The table below breaks down some of the ratings and options that may be available in your state.