How Much is Auto Insurance for Postal Workers in Mississippi?

One of the key criteria that affect the amount you pay for auto insurance is the neighborhood you call home. Areas that are densely populated or have higher claim frequency like Natchez, Gulfport, and Vicksburg tend to pay slightly more, whereas areas with less traffic congestion and claims have the gratification of cheap insurance for postal workers in Mississippi.

The next table sorts the more expensive cities in Mississippi for postal workers to purchase a policy in.

Premium costs are estimated as specific location information can revise price quotes substantially.

Finding decent, low-priced auto insurance is not the easiest thing to do, and determining which insurers offer the most affordable auto insurance rates for postal workers will require additional perseverance. Each auto insurer has their own unique process for determining rates in each state, so let’s rank the auto insurance companies with the most affordable rates in Mississippi.

It’s important to know that Mississippi auto insurance rates are influenced by many factors which can substantially change the policy premium. Price variation is why consumers need to take the time to compare many different companies when trying to find the most budget-friendly auto insurance rates for postal workers. Prices consist of many factors and change substantially, so the most economical option three years ago may now cost much more than other companies.

Best Car Insurance Prices for USPS Employees

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USAA generally has some of the cheapest car insurance rates in Mississippi at around $831 each year. Travelers, Unitrin, Direct General, and ALFA would also make the list of some of the cheapest Mississippi insurance companies.

As the rates illustrate above, if you currently have a policy with ALFA and switched to Travelers, you may realize yearly savings of around $401. Insureds with State Farm could save as much as $417 a year, and Safeway policyholders might cut rates by $425 a year.

Be aware that those policy rates are averaged for all ages of drivers and types of vehicles and are not factoring in a price discount for postal workers. So the auto insurance company that fits your needs best may not even be shown in the list of companies shown earlier. That emphasizes why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The type of vehicle requiring coverage is probably the biggest factor when shopping around for cheap auto insurance for postal workers. Vehicles with lots of horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.

The next lists outlines insurance costs for the cheapest automobiles to insure.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific location information which can alter coverage rates significantly.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific location information which can affect rates considerably.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in Mississippi location which can raise or lower prices significantly.

Cautious drivers save money

The easiest method to obtain low auto insurance rates for postal employees is to be a safe driver and avoid accidents and violations. The example below shows how speeding tickets and at-fault fender-benders influence auto insurance costs for different age groups. The premiums assume a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2607,2841,3505],[‘Age 30’, 1817,2051,2713],[‘Age 40’, 1683,1919,2581],[‘Age 50’, 1473,1707,2371],[‘Age 60’, 1421,1659,2321],[‘Age 70’, 1651,1889,2551]]);var options = {title: ‘Violations, Accidents, and Mississippi Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Mississippi’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of a car insurance policy per year with no violations or accidents is $1,775. Factor in one speeding ticket and the average cost hikes up to $2,011, an increase of $236 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for postal workers goes up to an average of $2,674. That’s an increase of $898, or $75 per month, just for not being a responsible driver!

How to find low-cost auto insurance for postal workers

Lowering your rates is not difficult, and here are some money-saving suggestions that can help drivers get more affordable coverage.

• Pay cheaper rates with good credit scores
• Frequent claims will increase rates
• Drive attentively and avoid accidents
• Increase your deductibles
• Violations and traffic tickets increase rates
• Save money by insuring your home and auto with the same company
• Shop around for cheaper prices

That last piece of advice is notably significant, as was emphasized in this write-up. Car insurance rates fluctuate considerably, so don’t be tentative to buy from a new company if a lower-cost policy is available.

Loyalty to a specific company is fine, but it isn’t a good idea if that dedication is costing money that could be going to better use. Now is a great time to shop around to find cheaper auto insurance for postal workers.