Who Has Cheap Car Insurance for Postal Workers in Kentucky?

It’s hard to miss the commercials from auto insurance companies like State Farm, Progressive, and Farmers guaranteeing the cheapest rates, so you just need to select the one with the best jingle, right?

It’s not that simple, unfortunately, as there are a lot of unknown aspects like if your vehicle is used to commute, if you are single or married, and whether you need higher levels of liability coverage, that all impact the price you pay. Car insurance is kind of a dry topic, but this article will explain these things and hopefully give you enough understanding to have a good start to your coverage search.

When buying car insurance for postal employees, one of the key criteria that car insurance companies take into consideration when calculating the policy price is where you keep your vehicle in Kentucky. Areas with more people or even just a higher incidence of claims like Louisville, Jeffersontown, and Ashland tend to have higher auto insurance costs, whereas cities that are not as densely populated can boast about having cheaper rates.

The illustration below shows the highest-priced places in Kentucky for postal workers to purchase auto insurance in.

Prices are estimated as the specific geographic location can revise premium rates greatly.

Everyone has different tastes in autos, and the style of vehicle to be insured is one of the largest considerations that determines whether or not you find affordable coverage for postal workers. Vehicles with more horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models. The tables below outlines insurance rates for the most affordable automobiles to insure.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific location which can affect prices significantly.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in vehicle location which can alter premium rates noticeably.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in garaging location in Kentucky which can modify prices considerably.

Locating affordable car insurance is easier said than done, and figuring out which insurers offer the best insurance rates for postal workers takes even more diligence. Every insurance company uses their own calculation for determining rates in each state, so first let’s look at the rankings for the insurance companies with the overall cheapest rates in Kentucky.

Best Auto Insurance Prices for USPS Employees

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Cincinnati Insurance offers some of the cheapest car insurance rates in Kentucky at around $1,126 annually. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also make the cut as some of the more affordable Kentucky insurance companies.

As the rates illustrate above, if you are a policyholder with USAA and switched to Cincinnati Insurance, you may see a yearly price reduction of in the neighborhood of $61. Customers with Auto-Owners might save as much as $231 a year, and Grange Mutual customers might reduce rates by $451 a year.

To compare your rates to other Kentucky insurance companies, click here to get quotes or click through to the companies below.

These rates are averages for all drivers and vehicles and are not factoring in a price decrease for postal workers. So the auto insurance company that has the cheapest price for you may not even be in the company chart above. That points out the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.

Rate comparison of full coverage and liability-only

Finding cheap car insurance for postal workers in Kentucky is probably important to the majority of drivers, and a good way to buy cheaper insurance is to not buy full coverage. The information below visualizes the comparison of annual premium costs with and without full coverage. The premiums are based on no claims or violations, $250 deductibles, marital status is single, and no discounts are applied.

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As an overall average, full coverage on your policy costs $2,293 per year over and above liability coverage. At some point, about every driver wonders if buying full coverage is worth the expense. There is no clear-cut formula to drop physical damage coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

Which auto insurance company is best?

If you want the best car insurance for postal employees in Kentucky, four good companies to start with are Progressive, Geico, State Farm, and Allstate. The data below ranks ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.