Cheap Car Insurance for Postal Workers in Nevada

When the topic is car insurance, the words cheap or affordable should not be used anywhere in the article as a descriptor for auto insurance rates. Regardless, cheap auto insurance for postal workers can be hard to find. Don’t let that discourage you, because we are going to tell you how you can get coverage that is easy on your budget.

Finding good, cheap insurance is confusing at best, and figuring out which companies offer the lowest-priced insurance rates for postal workers requires even more rate comparisons. Each auto insurer uses slightly different criteria to determine rates, so we’ll go over the overall cheapest insurance companies in Nevada.

It’s a good idea to know that Nevada insurance rates are calculated based on many things which can substantially change the price of coverage. This price variation is why Nevada drivers need to take the time to shop around to find affordable insurance rates for postal workers. Auto insurance prices can be altered by many things and can increase or decrease at any time, so the cheapest option when you last compared rates may now be wasting a lot of money.

Cheapest Insurance Rates for USPS Employees

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Allied offers some of the lowest car insurance rates in Nevada at around $911 per year. Travelers, Capital, Oregon Mutual, and American Family are also some of the most economical Nevada insurance companies.

As depicted above, if you are currently insured with Capital and switched to Allied, you might realize an annual savings of in the neighborhood of $107. Drivers with Oregon Mutual could save as much as $247 a year, and American Family customers might see rate reductions of $271 a year.

To find cheap auto insurance for postal workers in Nevada, click here or quote prices from the following companies.

Understand that those rates are averages for all ages of drivers and types of vehicles and do not factor in a rate decrease for postal workers. So the insurer that fits your needs best may not even be in the chart above. That illustrates why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

The type of vehicle you are buying coverage for is one of the biggest factors when comparison shopping for cheap auto insurance for postal workers in Nevada. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.

The data below features car insurance premiums for a number of the most affordable vehicles to buy insurance for.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in garaging location in Nevada which can increase or decrease coverage rates considerably.

Looking at the rates, you can infer that vehicles like the Honda CR-V, Jeep Wrangler, Honda Accord, and Chevrolet Traverse should be some of the most economical vehicles to insure for postal employees.

One of the more important factors that aid in calculating the cost of insurance is where you keep your car in Nevada. Cities with more crime and/or more people like Winchester, Spring Valley, and Las Vegas tend to pay higher rates, whereas less populated areas profit from lower rates.

The information below shows the most expensive areas in Nevada for postal workers to buy car insurance in.

Rates are approximated as the specific Nevada residence address can increase or decrease premiums greatly.

Should you buy full coverage?

Finding cheap auto insurance for postal workers in Nevada is important to the majority of people, and one great way to pay lower rates for insurance is to not buy full coverage. The example below illustrates the comparison of auto insurance costs with full coverage compared to only the Nevada minimum liability coverage. The premiums assume no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are factored in.

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As an overall average, comp and collision coverage costs $2,165 per year more than just buying liability only. That may make you wonder if you should buy full coverage at all. There is no written rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

Violations and accidents raise rates

The ideal way to score cheap auto insurance for postal workers in Nevada is to drive safe and avoid traffic citations and accidents. The information below illustrates how traffic citations and fender-benders can influence premium costs for different age categories. The data is based on a single male 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’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3027,3605,5655],[‘Age 30’, 1575,2153,4201],[‘Age 40’, 1561,2141,4189],[‘Age 50’, 1417,1997,4045],[‘Age 60’, 1369,1949,3997],[‘Age 70’, 1659,2237,4287]]);var options = {title: ‘Impact of Tickets and Claims on Nevada Insurance Premiums’,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 Nevada’,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);}

In the chart above, the average cost of an auto insurance policy in Nevada per year with a clean driving record and no accidents is $1,768. Factor in two speeding tickets and the average cost hikes up to $2,347, an increase of $579 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of insurance for postal workers jumps again to an average of $4,396. That’s an increase of $2,628, or $219 per month, just for not driving carefully!