Cheapest Car Insurance Quotes for Postal Workers in Wisconsin

Figuring out which company has the cheapest car insurance rates for postal workers involves more work in order to find the best policy.

Every insurance company uses a different method for setting rates, so let’s take a look at the car insurance companies that tend to be cheaper in Wisconsin.

Best Car Insurance Prices for USPS Employees

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USAA has some of the cheapest car insurance rates in Wisconsin at around $580 a year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also make the list of some of the more affordable Wisconsin insurance companies.

As shown in the rates above, if you currently buy coverage from Rockford Mutual and switched to Partners Mutual, you could see yearly savings of in the vicinity of $92. Wisconsin drivers with Nationwide may save as much as $113 a year, and Pekin Insurance customers might lower prices by up to $113 a year.

It’s important to note that these premium estimates are averaged for all drivers and vehicles in Wisconsin and and are not figured with a price decrease for postal workers. So the auto insurance company that is best suited for you may not even be included in the list of companies shown earlier. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

For postal employees, one of the big criteria that establish the price of your policy is the neighborhood you call home. Areas with more people or higher crime rates like Milwaukee, West Allis, and Oak Creek tend to pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of the cheapest car insurance for postal workers in Wisconsin.

The information below shows the highest-priced places in Wisconsin for postal workers in which to purchase auto insurance.

Price information shown is approximated as the specific geographic location can decrease or increase prices significantly.

Cost difference between full coverage and liability

Finding the cheapest car insurance for postal workers in Wisconsin should be important to most vehicle owners, and one of the fastest ways to pay lower rates for insurance is to buy liability only. The diagram below shows the comparison of insurance costs with and without physical damage coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

As an average, physical damage coverage on your policy costs $1,092 per year more than just insuring for liability. A very common question is if you should buy full coverage. There is no written rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Which auto insurance company is best?

When shopping for auto insurance for postal employees in Wisconsin, some of the largest companies to start with are State Farm, Progressive, Allstate, and Geico. When combined, they insure over 48% of the entire U.S. auto insurance market. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that may steer you one way or another. The next table rates ratings for price and service, as well as some optional coverages .

Best cheap insurance quotes for postal employees

Drivers have many ways to find cheaper car insurance in Wisconsin, but the most common methods are using an independent insurance agent, an exclusive agency like State Farm or Liberty Mutual, or direct from companies such as Progressive or Geico. You can use whichever you prefer, but they differ slightly in how they work.

Independent agencies write for multiple companies and can get policy pricing from each one. Independent agents have the freedom to compare multiple rates, which can give you the best shot at cutting your rates. If your premiums go up, your policy can be moved and you don’t have to find a new agent.

Exclusive agencies are only able to quote your policy with one company such as Farmers Insurance or State Farm agents. They are unable to give you multiple price quotes, so if prices are high they cannot provide alternatives.

Choosing to buy car insurance direct means you do not use an exlusive or independent agent and buy from a direct company like Geico or Progressive. Buying direct may be good for consumers who have an average risk profile and have a decent understanding of what car insurance covers.

So which way is best for finding the cheapest car insurance for postal workers in Wisconsin? The majority of car insurance shoppers assume that buying direct yields the cheapest rates because you bypass the agent, but unfortunately, it’s not that cut and dried. A good argument could also be made that an independent agency guarantees the lowest rates since they have access to many companies, but that assumption is also not accurate. In a lot of cases, exclusive agents have coverage prices that are well below what direct and independents offer.

Since car insurance rates vary so much, the best method to find out which one is cheapest is to get quotes and compare. Money-saving experts recommend you get quotes from all three types to get a good idea who is cheapest. For a list of companies with some of the cheapest Wisconsin car insurance rates, click here to view.

How to get the cheapest car insurance for postal workers in Wisconsin

The list below summarizes some of the recommended thrifty ideas that can help drivers find low-cost auto insurance.

• Increase your deductibles
• Avoid preventable accidents
• Drive a car with a high safety rating
• Clean up your credit rating
• Be a safe driver
• Shop your coverage around for the best deal

The last tip in the list is especially critical, as was affirmed in the article above. Prices charged by car insurance companies in Wisconsin adjust frequently, so you should be ready to change insurance companies if a cheaper rate is available.

Many drivers prefer to stick with one company, but it’s not recommended if that dedication is costing money that could be used for better things. If you have a few minutes, shop around to find cheaper insurance for postal workers.