Cheapest Car Insurance Quotes for Postal Workers in North Carolina

Finding dependable, low-cost auto insurance is tough enough, and determining which company has the cheapest auto insurance rates for postal workers will involve even more diligence.

Each insurer uses a little different formula to set their prices, so we need to take a look at the overall cheapest auto insurance companies in North Carolina.

Best Insurance Companies for USPS Employees

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Progressive may offer some of the most affordable car insurance rates in North Carolina at around $651 a year. Utica National, NC Farm Bureau, Penn National, and GEICO also qualify as some of the best North Carolina auto insurance companies.

As the example above demonstrates, if you currently have coverage with GEICO and switched to Utica National, you could see savings of in the neighborhood of $73. Policyholders with Liberty Mutual could save as much as $73 a year, and Titan policyholders might cut rates by $96 a year.

To find the cheapest car insurance for postal workers in North Carolina, click here to start a quote or quote prices from the following companies.

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

The car, truck, or SUV you are trying to insure is one of the largest considerations that determines the availablility of the best insurance for postal workers. Vehicles with high performance features, a lack of safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models. The data below estimates auto insurance rates for a handful of the most cost-effective automobiles to insure.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can modify coverage rates substantially.

Looking at the numbers, we can infer that models like the Honda Accord, Honda CR-V, and Ford Escape will be the cheapest vehicles to insure for postal employees.

One of the key considerations that is used by insurance companies to determine the annual cost of car insurance is where you choose to live. More populated areas like Jacksonville, Charlotte, and Greensboro tend to have more expensive car insurance rates, whereas areas with less congestion profit from lower rates.

The table below ranks the highest-priced areas in North Carolina for postal workers to purchase a policy in.

Rates are approximated as zip code location can revise auto insurance rates greatly.

Discounts on the cheapest car insurance for postal workers in North Carolina

Car insurance companies that sell policies for postal workers may also provide discounts that can lower rates by 25% or more if you can meet the requirements. Companies and their offered discounts are shown below.

The information below compares yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving violations, North Carolina state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, accident-free, vehicle safety, passive restraint, homeowner, and defensive driving course discounts applied. With discounts applied, the average savings per year on auto insurance for postal workers is 13% or $264.

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Full coverage versus liability only rates

Finding the cheapest car insurance for postal workers in North Carolina should be important to most drivers, and one common way to lower the cost of insurance is to not insure for full coverage. The diagram below shows the comparison of insurance costs when comparing full coverage to liability only. The price estimates are based on no violations or accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.

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Averaged out for all age groups, full coverage costs $1,181 per year over liability only. Many of you may wonder if paying for full coverage is worth it. There is no definitive guideline to drop full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Allstate, Progressive, State Farm, and Geico compared

When buying auto insurance for postal employees in North Carolina, the top insurers to get price quotes from are Allstate, Progressive, State Farm, and Geico. They all have the same basic coverages, but each one has a distict selection of optional coverages and features that may influence your choice. The next table compares ratings and policy coverage options offered by each one.