Best Cheap Car Insurance Quotes for Postal Workers in West Virginia

The words “affordable” and “insurance” probably shouldn’t be used together, especially when you are trying to find the cheapest coverage for postal workers. Because of the high cost, let’s familiarize you with a few of the things that can significantly affect car insurance rates, and see if you can take the bite out of the next policy you buy.

Locating low-priced car insurance is hard enough, and figuring out which company has the cheapest insurance rates for postal workers involves additional perseverance. Every auto insurer has a different process for establishing rates, so let’s take a look at the insurance companies with the overall best prices in West Virginia.

Lowest Insurance Price Quotes for USPS Employees

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Erie may offer some of the best car insurance rates in West Virginia at around $931 a year. The Hartford, State Auto, USAA, and Westfield also make the cut as some of the cheapest West Virginia car insurance companies.

As shown in the rates above, if you have coverage with USAA and switched to The Hartford, you could see a yearly price reduction of roughly $256. Customers with Westfield might save as much as $296 a year, and Progressive insureds might reduce rates by $476 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit any of the low-priced companies below.

Remember that these premium estimates are averages across all drivers and vehicles and are not factoring in a rate decrease for postal workers. So the company that can offer you the lowest price may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own driver and vehicle profiles.

We all have different tastes in cars, and the vehicle you are trying to insure is one of the primary factors when trying to find affordable coverage for postal workers. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.

The lists below features car insurance rates for a handful of the more afforable automobiles to insure.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in garaging location in West Virginia which can affect insurance rates greatly.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in zip code location which can affect prices significantly.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in West Virginia location which can change premiums greatly.

Buying coverage from the top auto insurance provider is difficult considering how many companies sell insurance in West Virginia. The company rank data in the next section may help you select which insurers to look at putting your business with.

These rankings are only comprised of companies who write in the majority of U.S. states, so smaller regional companies will not be included in these rankings. If you would like to check rates from these and other competitive companies, just click here.

Top 10 Major Auto Insurance Providers Overall in West Virginia

1. USAA
2. AAA Insurance
3. Nationwide
4. Allstate
5. State Farm
6. The Hartford
7. Safeco Insurance
8. Progressive
9. American Family
10. Esurance

Impact of careless driving on insurance rates

The recommended way to enjoy low insurance prices for postal employees is to be a careful driver and avoid accidents and traffic violations. The information below shows how violations and at-fault fender-benders can influence premium costs for different age groups. The rate quotes are based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

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In the example above, the average cost of auto insurance per year with no accidents or violations is $2,669. Factor in one speeding ticket and the average cost swells to $3,024, an increase of $355 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for postal workers jumps again to an average of $6,043. That’s an increase of $3,374, or $281 per month, just for not driving carefully!

How to find the best cheap car insurance for postal workers in West Virginia

Here are many penny-pinching ideas that can help West Virginia drivers quote lower-cost car insurance.

• If possible, pay for small claims out-of-pocket
• Increase deductibles to save money
• Avoid preventable accidents
• Be a cautious driver
• Do not waste money insuring older vehicles for full coverage
• Compare rates regularly and switch companies to save money

That final tip is very significant, as was emphasized in the prior article. Auto insurance rates in West Virginia adjust frequently, so don’t be hesitant to buy from a different company if a cheaper rate is available. Sticking with a specific company is fine, but we do not recommend it if that inflexibility results in costing you money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper car insurance for postal workers.