Who Has Cheap Car Insurance Quotes for Postal Workers in Pennsylvania?

You’ve seen the catchy advertisements from insurers like Progressive and Farmers that make promises of the cheapest rates, so you just need to choose any one of them, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements like whether you have good credit, if you want full coverage included, and the level of liability coverage you want. This article will detail the best ways to find cheap car insurance and should give you a good start in finding the cheapest insurance in Pennsylvania.

The type of vehicle to be insured is one of the largest considerations in finding cheap auto insurance for postal workers. Vehicles with economical engines, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.

The list below presents coverage premiums for a number of the most affordable automobiles to insure in Pennsylvania.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific zip code location which can modify coverage prices substantially.

Looking at the numbers, you can conclude that makes and models like the Hyundai Elantra, Honda CR-V, Hyundai Tucson, Toyota Prius, and Ford Escape are most likely to be a few of the less-costly vehicles to insure for postal employees.

For postal employees, one of the big factors that is looked at to determine the price you pay for insurance is where you keep your car in Pennsylvania. More densely populated places like Philadelphia, Levittown, and Norristown tend to have higher rates, whereas areas that are not as densely populated have the luxury of cheap auto insurance for postal workers in Pennsylvania.

The next table sorts the most costly cities in Pennsylvania for postal workers to purchase auto insurance in.

Premium amounts are approximated as specific location information can impact premium rates noticeably.

Determining which companies offer the lowest-priced auto insurance rates for postal workers will require a little more work in order to find the lowest price quote. Every insurance provider has a different formula to determine rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Pennsylvania.

It’s a good idea to be aware that Pennsylvania auto insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Turning one year older, buying higher coverage limits, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.

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General Casualty quotes some of the lowest car insurance rates in Pennsylvania at around $740 annually. Travelers, Erie, USAA, and Penn National are also some of the cheapest Pennsylvania insurance companies.

As the example above demonstrates, if you are a policyholder with Penn National and switched to Travelers, you may realize an annual premium reduction of upwards of $29. Drivers with Auto-Owners could save as much as $176 a year, and Amica customers might see rate reductions of $195 a year.

To get a quick, customized rate comparison, click here to start your free quote or feel free to get quotes from the companies below.

Understand that those policy rates are averaged across all types of insureds and vehicles and do not factor in a price decrease for postal workers. So the company that fits you best may not even be shown in the above list. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.

Do you need full coverage?

Finding cheap auto insurance for postal workers in Pennsylvania should be important to the majority of people, and one of the quickest ways to pay lower rates for insurance is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

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As an average for all age groups, physical damage coverage on your policy costs $1,499 per year more than just buying liability only. That may make you wonder when is it a good idea to stop buying full coverage. There is no definitive formula for phasing out physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Insuring your vehicle with a highly-rated insurance company can be a challenge considering how many companies provide coverage in Pennsylvania. The ranking data shown next may help you select which auto insurance companies you want to consider comparing rates from. The rankings below include major nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for these rankings.

How to find more affordable car insurance for postal workers

It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help Pennsylvania drivers quote more affordable coverage.

• Buy your homeowners policy from the same company as your auto insurance
• Save money by staying claim-free
• You will pay more if you get tickets or have at-fault accidents
• Avoid preventable accidents
• Choose a safer vehicle and pay lower rates
• Assess whether full coverage is needed
• Shop around and save

The last suggestion is incredibly necessary, as was stressed in this article. Car insurance rates can change considerably in a year, so drivers shouldn’t be resistant to change to a new company if you can find a cheaper rate. We understand brand loyalty, but it’s not a good idea if that dedication is costing thousands of dollars over several years. It takes less than five minutes to shop around and find cheaper auto insurance for postal workers.