Best Cheap Car Insurance for Postal Workers in Washington

In an ideal world, we could simply tell you the single company that has the cheapest rate quotes in Washington. It’s not that simple, unfortunately, as there are a ton of unknowns such as whether you are a woman or a man, the level of deductible you choose, and if you want the added protection of full coverage, that help determine the price you have to pay. In this article, we will teach you about the different ways you can keep rates low and should give you a good beginning to your quest for cheaper car insurance.

The type of vehicle you are buying coverage for is one of the largest factors that determines if you can find the best cheap car insurance for postal workers in Washington. Vehicles with lower acceleration and performance, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The lists below illustrates insurance prices for a handful of the cheaper vehicles to buy coverage for.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can impact coverage prices significantly.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in zip code location which can raise or lower prices considerably.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in Washington location which can lower or raise premium rates substantially.

Finding out which company quotes the best insurance rates for postal workers may require more time in order to find the best price. Each auto insurance company has a proprietary formula for determining prices, so let’s rank the insurance companies that tend to have lower prices in Washington.

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Capital may have some of the cheapest car insurance rates in Washington at around $777 per year. Grange, Nationwide, PEMCO, and Mutual Enumclaw are also some of the cheaper Washington insurance companies.

In the above example, if you currently have coverage with PEMCO and switched to Capital, you could see a yearly savings of roughly $227. Drivers with Mutual Enumclaw might save as much as $246 a year, and Travelers insureds might reduce rates by $261 a year.

It’s important to note that these prices are averages across all types of drivers and the different vehicles they drive and do not take into consideration a price decrease for postal workers. So the auto insurance company that has the lowest price for you may not even be shown in the above rate chart. That emphasizes why you need to get rate quotes using your own specific driver information and vehicle.

Irresponsible driving raises your rates

The recommended way to earn low insurance premiums in Washington for postal employees is to drive safe and avoid traffic citations and accidents. The illustration below illustrates how traffic citations and accident claims can drive up annual premium costs for different insured age categories. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

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The chart shows that the average cost of auto insurance in Washington per year with no accidents or violations is $1,264. Get written up for two speeding tickets and the average cost swells to $1,787, an increase of $523 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of insurance for postal workers goes up to an average of $3,989. That’s an increase of $2,725, or $227 per month, just for not being more responsible behind the wheel!

Company comparison: Geico vs State Farm vs Allstate vs Progressive

If you’re looking for the cheapest auto insurance for postal employees, the four most popular companies are Geico, State Farm, Allstate, and Progressive. The data below compares ratings for price, service, and claims, in additional to some of the optional coverages that may be available in Washington.

How to find budget-friendly auto insurance for postal workers

Lowering your rates is not difficult, and here are some thrifty solutions that can help you quote cheap auto insurance.

• Violations like speeding or DUI increase rates
• Higher comprehensive and collision coverage deductibles will save money
• Accidents can significantly increase rates
• Good credit scores may make rates cheaper
• Buy safe vehicles
• Compare price quotes at least once a year

The last tip is remarkably crucial, as was noted in this article. Rates vary greatly, so don’t be hesitant to buy from a new company if you can find a cheaper rate.

We understand brand loyalty, but it’s not a good idea if that loyalty ends up costing money that could be going to better use. Take a couple minutes and compare prices and find cheaper car insurance for postal workers.

Cheapest insurance quotes for postal employees

There are many ways to find cheap insurance in Washington, but the most preferred ways are using an independent insurance agent, an exclusive insurance agency such as Allstate or State Farm, or direct from companies such as Progressive or Geico. Each way has the same basic process, but it’s important to point out the distinctions in how they provide rate quotes.

Independent agencies have contracts with many companies and can do rate comparisons with each one. They are usually affiliated with several companies and can give you more rates, which may give you more bang for your buck. If your premiums go up, they simply switch companies in-house which makes it simple for you.

Exclusive agencies are restricted to a single insurance company, examples being an Allstate or State Farm agent. They are unable to give you multiple price quotes, so they have to upsell other benefits.

The final way is buying direct, which means you forego either of the other two types of agents and buy direct from companies such as Geico or Progressive. Buying insurance direct may be the best choice consumers who do not have complex finances and understand what coverages, limits, and deductibles they need.

So what is the best way for finding the best cheap car insurance for postal workers in Washington? We wish we could say buying direct results in the cheapest price because there is no agent taking a commission, but unfortunately, it’s not that simple. An argument could also be made that an independent agent is the best way due to increased selection, but again, that’s not a true statement. For some people, exclusive agents may have very competitive prices that other companies cannot beat.

Since insurance companies use so many rating factors, the guaranteed way to get rock-bottom rates is to get rate quotes and compare. We recommend you get rate quotes from all three in order to have enough rates to compare. For a list of companies with cheap rates in Washington, click here to view.