Cheap Car Insurance Quotes for Postal Workers in Florida

When shopping for the cheapest insurance for postal employees, one of the many components that is looked at to determine the price of your policy is where you keep your vehicle in Florida. Larger areas like Hialeah, Miami, and West Palm Beach tend to pay higher rates, whereas areas with lower crime rates and fewer weather claims enjoy lower insurance rates.

The information below ranks the most costly cities in Florida for postal workers to buy an auto insurance policy in.

Premium amounts are approximated as vehicle location can alter price quotes substantially.

The car, truck, or SUV requiring insurance is one of the biggest factors when quoting the lowest-priced coverage for postal workers. Vehicles with lower performance, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than adrenaline junky models.

The information below features auto insurance premiums for a selection of the most affordable vehicles to buy coverage for.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in Florida location which can lower or raise auto insurance rates considerably.

Looking at the numbers, vehicles like the Honda CR-V, Ford Escape, and Honda Accord are most likely going to be a few of the more affordable vehicles to insure for postal employees.

Comparing rates for affordable insurance is challenging, and deciding which company has the most affordable auto insurance rates for postal workers takes a little more work. Each auto insurance company has their own guidelines for determining rates, so we’ll go over the most affordable auto insurance companies in Florida.

We do need to point out that Florida auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Simply having a birthday, marrying your spouse, or having an accident may generate price changes that can cause some rates to be less affordable than competitors.

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USAA offers some of the cheapest car insurance rates in Florida at around $977 a year. Electric, Amica, Progressive, and Travelers also make the cut as some of the cheapest Florida auto insurance companies.

In the above example, if you have coverage with Electric and switched to USAA, you might realize annual savings of upwards of $717. Customers with Amica might save as much as $787 a year, and Progressive customers might reduce rates by $870 a year.

Bear in mind that those estimates are averaged for all types of drivers and the different vehicles they drive and do not factor in a price discount for postal workers. So the auto insurance company that is best for you may not even be in the rate chart shown above. That point stresses why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

How violations and accidents impact rates

The easiest way to snag cheap car insurance for postal workers in Florida is to be a safe driver and have a clean driving record. The illustration below illustrates how violations and at-fault claims can raise annual premium costs for different insured age categories. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3507,3907,5071],[‘Age 30’, 2451,2853,4011],[‘Age 40’, 2425,2829,3989],[‘Age 50’, 2123,2529,3685],[‘Age 60’, 2019,2425,3583],[‘Age 70’, 2193,2597,3755]]);var options = {title: ‘Effect of Tickets and Accidents on Florida Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of an auto insurance policy per year with no violations or accidents is $2,453. Receive one speeding ticket and the average cost swells to $2,857, an increase of $404 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for postal workers jumps again to an average of $4,016. That’s an increase of $1,563, or $130 per month, just for not being attentive to the road!

Discounts on Florida auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-postal-workers-fl.jpg" alt="Cheaper Florida auto insurance for postal employees” />Insurance providers that sell cheap car insurance for postal workers in Florida could also offer premium discounts that could potentially reduce rates by as much as 25% or more if you qualify. The best auto insurance companies and a summarized list of policyholder discounts are included below.

• State Farm offers discounts for good student, anti-theft, accident-free, Drive Safe & Save, multiple autos, passive restraint, and multiple policy.
• Esurance discounts include good driver, online quote, DriveSense, emergency road assistance, anti-theft, and homeowner.
• Progressive may offer discounts for homeowner, online signing, multi-vehicle, online quote discount, and good student.
• Liberty Mutual has savings for multi-car, exclusive group savings, safety features, preferred payment discount, and good student.
• Auto-Owners Insurance has discounts for paid in full, group or association, company car, safe vehicle, multiple vehicles, student away at school, and anti-theft.
• GEICO offers premium reductions for emergency military deployment, military active duty, anti-lock brakes, federal employee, and good student.

The illustration below visualizes the comparison of auto insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, accident-free, anti-theft, marriage, passive restraint, and homeowner discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance for postal workers is 28% or $518.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2769,1991],[‘Age 30’, 1891,1371],[‘Age 40’, 1765,1277],[‘Age 50’, 1541,1117],[‘Age 60’, 1493,1081],[‘Age 70’, 1749,1261]]);var options = {title: ‘Insurance Premium Comparison for Postal Workers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Which auto insurance company is best?

When buying auto insurance for postal employees in Florida, the first places to look would be State Farm, Geico, Progressive, and Allstate. Between them, they insure about half of the car insurance market in the United States. They all offer your standard coverages, but each one has slightly different coverage options that shoppers can select from. The data below rates some of the different options and features offered by each company.