The words “cheap” and “insurance” really should not be used together, in particular when you are shopping around for the best coverage prices for postal workers. Let’s get started by showing you some situations that help determine auto insurance prices, and come up with some ideas to take a little off your next policy.
The make and model of vehicle that needs insurance is a large consideration that determines whether or not you can buy the best cheap car insurance for postal workers. Vehicles with limited speed and performance, an excellent safety record, or low incidents of liability claims will cost much less to insure than higher performance models.
The next list showcases coverage costs for a number of the most budget-friendly automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $971 |
| Honda Accord EX-L 4-Dr Sedan | $1,055 |
| Hyundai Elantra SE Touring Station Wagon | $1,061 |
| Ford Explorer XLT AWD | $1,088 |
| Honda CR-V EX-L 2WD | $1,094 |
| Volkswagen Jetta S 4-Dr Sedan | $1,151 |
| Ford Fusion S 4-Dr Sedan | $1,160 |
| Jeep Grand Cherokee Laredo 2WD | $1,151 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,161 |
| Chevrolet Malibu LT | $1,173 |
| Toyota Prius | $1,182 |
| Ford F-150 STX Regular Cab 4WD | $1,191 |
| Toyota Camry SE | $1,211 |
| Ford Edge Sport 2WD | $1,216 |
| Chevrolet Equinox LTZ AWD | $1,233 |
| Toyota Tacoma 4WD | $1,235 |
| Ford Focus S 4-Dr Sedan | $1,244 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,255 |
| Dodge Grand Caravan Hero | $1,259 |
| Toyota RAV4 2WD | $1,267 |
| Honda Civic LX-S 4-Dr Sedan | $1,304 |
| Toyota Corolla XLE | $1,328 |
| Chevrolet Impala LTZ | $1,333 |
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can increase or decrease premium rates considerably.
Based on these rates, models like the Ford Escape, Honda Accord, and Hyundai Elantra will definitely be the less-costly vehicles to insure for postal employees.
For postal employees, one of the more important components that determine car insurance rates is where you call home in Greensboro. Areas with more people or even just a higher incidence of claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The next table rates the highest-priced areas in North Carolina for postal workers to purchase auto insurance in. Greensboro makes the list at #11 with the yearly price of $756 for coverage, which is around $63 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Fayetteville | $923 |
| 2 | Jacksonville | $900 |
| 3 | Charlotte | $840 |
| 4 | Wilmington | $788 |
| 5 | Gastonia | $787 |
| 6 | Cary | $772 |
| 7 | Durham | $765 |
| 8 | Raleigh | $760 |
| 9 | Goldsboro | $758 |
| 10 | Huntersville | $756 |
| 11 | Greensboro | $756 |
| 12 | Rocky Mount | $748 |
| 13 | Apex | $747 |
| 14 | Greenville | $738 |
| 15 | High Point | $731 |
| 16 | Wilson | $724 |
| 17 | Indian Trail | $723 |
| 18 | Hickory | $718 |
| 19 | Winston Salem | $716 |
| 20 | Chapel Hill | $703 |
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Price information shown is estimated as specific Greensboro zip code can raise or lower premium rates considerably.
Finding affordable auto insurance is not the easiest thing to do, and figuring out which company has the lowest-priced insurance rates for postal workers will require even more perseverance.
Every auto insurer has a unique approach for determining prices, so to begin we’ll rank the insurance companies with the most affordable rates in Greensboro, NC. It’s important that you understand North Carolina insurance rates are influenced by many factors that will increase or decrease the price you have to pay. This price variation is why it is critical to compare many different companies when trying to find affordable auto insurance quotes for postal workers. Insurance rates can be altered by many factors and can decrease or increase without notice, so the best price two years ago may now be an over-priced policy.
Cheap Insurance Rates for USPS Employees
Progressive may have some of the best car insurance rates in Greensboro at around $651 each year. Utica National, NC Farm Bureau, Penn National, and Liberty Mutual are also some of the cheapest Greensboro, NC car insurance companies.
As shown in the rates above, if you currently have coverage with Penn National and switched to Utica National, you may see an annual premium reduction of about $62. Policyholders with Liberty Mutual may save as much as $73 a year, and Titan insureds might lower prices by up to $82 a year.
Remember that these policy prices are averages across all ages of drivers and types of vehicles and do not take into consideration an exact location for postal workers. So the company that can offer the best rates for your situation may not even be in the top 20 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own personal information and vehicle type.
Picking the best insurance company can be a challenge considering how many companies there are in North Carolina. The rank data in the lists below can help you decide which car insurance providers to look at when looking for cheaper rates. These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on North Carolina business will not be included in these rankings.
Top 10 Large Auto Insurance Companies in Greensboro Ranked by Value
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
- Titan Insurance
Top 10 Large Auto Insurance Companies in Greensboro Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
How to get discounts on Greensboro auto insurance rates
Insurance providers that provide coverage for postal workers may additionally offer policy discounts that could reduce prices by as much as 30% if you can meet the requirements. A list of companies and a selection of discounts are:
- AAA offers discounts including good student, AAA membership discount, multi-car, anti-theft, pay-in-full, and multi-policy.
- Progressive may have discounts that include online quote discount, good student, multi-policy, continuous coverage, and online signing.
- State Farm policyholders can earn discounts including anti-theft, multiple policy, safe vehicle, good driver, passive restraint, Drive Safe & Save, and good student.
- Esurance discounts include multi-car, paid-in-full, good student, safety device, and good driver.
- Nationwide may offer discounts for multi-policy, family plan, defensive driving, good student, and easy pay.
The example below illustrates the difference between insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, passive restraint, homeowner, multiple policy, safe-driver, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for postal workers is 27% or $309.
Safe drivers pay less for insurance
The common sense way to snag the cheapest insurance rates in North Carolina for postal employees is to be a careful driver and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and at-fault collisions raise insurance rates for each age group. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of an auto insurance policy in North Carolina per year with no accidents and a clean driving record is $1,009. Factor in two speeding tickets and the average cost rises to $1,384, an increase of $375 each year. Next add one accident along with the two speeding tickets and the 12-month cost of insurance for postal workers jumps again to an average of $1,762. That’s an increase of $753, or $63 per month, just for not being a responsible driver!