Cheap Auto Insurance for Postal Workers in Rhode Island

For Rhode Island drivers, one of the factors that establish rate quotes is where you keep your vehicle. Areas with high crime rates or more dense population like Providence, Pawtucket, and Central Falls tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheap car insurance for postal workers in Rhode Island.

The table below ranks the highest-priced places in Rhode Island for postal workers to buy an auto insurance policy in.

Premium amounts are estimated as specific Rhode Island garaging address can decrease or increase auto insurance rates noticeably.

The cost and performance of the vehicle you are insuring is probably the biggest factor when comparing the cheapest auto insurance for postal workers. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The lists below shows auto insurance costs for a number of the most cost-effective automobiles to buy insurance for.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can increase or decrease auto insurance rates significantly.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific Rhode Island garaging location which can increase or decrease insurance rates considerably.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can revise rates considerably.

Trying to buy affordable car insurance is not most people’s favorite thing to do, and figuring out which company offers the best auto insurance rates for postal workers takes even more rate comparisons. Every auto insurer uses their own calculation to set policy rates, so let’s begin by examining the most budget-friendly auto insurance companies in Rhode Island.

Best Insurance Companies for USPS Employees

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USAA quotes some of the lowest car insurance rates in Rhode Island at around $705 per year. State Farm, Travelers, Amica, and Progressive also make the cut as some of the more affordable Rhode Island auto insurance companies.

As shown above, if you have coverage with Amica and switched to State Farm, you might see yearly savings of roughly $361. Rhode Island drivers with Progressive might save as much as $393 a year, and Quincy Mutual insureds might cut rates by $473 a year.

Be aware that those premiums are averaged across all types of insureds and vehicles and do not take into consideration a price decrease for postal workers. So the insurer that can offer you the best rate may not even be shown in the rate chart shown above. That helps illustrate why you need to compare as many prices as possible using your own specific driver information and vehicle.

Discounts on Rhode Island insurance

Auto insurance companies that offer cheap car insurance for postal workers in Rhode Island may provide policy discounts that could lower prices by as much as 25% or more if you meet eligibility requirements. Large auto insurance companies and a summarized list of policyholder discounts are detailed below.

The diagram below visualizes the comparison of car insurance costs with and without policy discounts. The costs are based on a female driver, no claims or violations, Rhode Island state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, claim-free, passive restraint, marriage, anti-theft, and accident-free discounts applied. In this example, the average amount saved each year on auto insurance for postal workers is % or $.

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