How Much are Car Insurance Quotes for Postal Workers in Alabama?

One of the key components that impact car insurance rates is where you choose to live in Alabama. Areas with more people or even just a higher incidence of claims like Prichard, Mobile, and Bessemer tend to pay slightly more, whereas areas that tend to be more rural benefit from lower coverage costs.

The information below ranks the highest-priced areas in Alabama for postal workers to purchase auto insurance in.

Table data uses comparative as the garaging address in Alabama can impact coverage prices significantly.

Deciding which companies quote the most affordable car insurance rates for postal workers calls for a little more effort than just comparing rates from one or two companies.

Every insurance provider has a unique formula for setting rates, so let’s take a look at the most competitive car insurance companies in Alabama. It’s important to understand that Alabama car insurance rates are impacted by many factors that control the cost of coverage. Getting older, buying a new vehicle, or getting a couple of tickets may cause policy rate changes resulting in some companies being more affordable than competitors.

Lowest Insurance Price Quotes for USPS Employees

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Travelers may offer some of the cheapest car insurance rates in Alabama at around $783 a year. Cincinnati Insurance, USAA, GEICO, and Country are also some of the best Alabama insurance companies.

As the rates illustrate above, if you are currently insured with Country and switched to Cincinnati Insurance, you could see an annual savings of approxmiately $347. Policyholders with Auto-Owners might save as much as $358 a year, and Safeway customers might reduce rates by $406 a year.

To get a quick, customized rate comparison, click here to start your custom quote or quote rates from the companies below.

Understand that those estimates are averages for all ages of drivers and types of vehicles and and are not figured with a rate decrease for postal workers. So the company that has the cheapest price for you may not even be in the list above. That’s why you need to compare prices as often as possible using your own driver data and vehicle information.

The chart below demonstrates how choosing different deductibles can influence yearly insurance costs when quoting cheap insurance for postal workers. The information is based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could pocket $278 a year by changing from a $100 deductible to a $500 deductible, or save $418 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can cut up to $910 each year by choosing a higher deductible. When increasing deductibles, it’s a good idea to have enough spare savings to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Irresponsible driving raises your rates

A great way to receive cheap insurance for postal workers in Alabama is to drive safe and maintain a clean driving record. The diagram below demonstrates how citations and accident claims can affect auto insurance rates for different age categories. Data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

In the example above, the average cost of car insurance in Alabama per year with a clean driving record and no accidents is $1,353. Factor in one speeding ticket and the average cost surges to $1,537, an increase of $184 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for postal workers goes up to an average of $2,038. That’s an increase of $684, or $57 per month, just for not driving responsibly!

Allstate, Geico, State Farm, or Progressive: Who is best?

If you are looking for the best auto insurance for postal employees in Alabama, four companies to take a look at are Allstate, Geico, State Farm, and Progressive. Each company has unique options and discounts that shoppers can select from. The following table points out pricing and service ratings, as well as optional policy coverages shoppers can find with each company.