Cheapest Auto Insurance for Postal Workers in Oregon

Our editors keep telling us that when writing about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article to describe car insurance prices. Nonetheless, cheap auto insurance for postal workers is pretty hard to find. Don’t let that ruin your day, because we will show you how you can still find coverage that is cheaper than your current rate.

The vehicle driven is a large factor when trying to find low-priced car insurance for postal workers. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.

The information below showcases car insurance rates for some of the most affordable vehicles to insure in Oregon.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific garaging location which can change premium rates noticeably.

Looking at the numbers, models like the Honda CR-V, Chevrolet Traverse, and Toyota Prius are going to be a few of the most affordable vehicles to insure for postal employees.

One of the many criteria that helps car insurance companies calculate a rate quote is your address. Areas that are more densely populated like Gresham, Aloha, and Woodburn are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.

The next table illustrates the highest-priced areas in Oregon for postal workers to buy car insurance in.

Table data uses comparative as the specific Oregon residence address can affect premiums noticeably.

Locating low-priced insurance is hard enough, and finding out which companies have the cheapest insurance rates for postal workers involves even more rate comparisons. Every insurance provider has a proprietary formula for setting rates, so let’s take a look at the most budget-friendly insurance companies in Oregon.

It’s a good idea to be aware that Oregon insurance rates are calculated based on many things that may substantially change the policy price. Improving your credit rating, getting married, or getting a few speeding tickets can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

Best Cheap Insurance Rates for USPS Employees

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Grange quotes some of the best car insurance rates in Oregon at around $694 annually. Oregon Mutual, Country, Travelers, and USAA also make the cut as some of the more affordable Oregon auto insurance companies.

In this example, if you are a customer of Oregon Mutual and switched to Grange, you could realize savings of roughly $125. Policyholders with Country may save as much as $153 a year, and Travelers customers might reduce prices by as much as $248 a year.

These prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a price decrease for postal workers. So the insurer that fits your age and vehicle best may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

Safe drivers pay cheaper rates

A great way to earn the cheapest insurance rates for postal employees is to drive carefully and avoid at-fault accidents and violations. The example below illustrates how speeding tickets and at-fault claims can increase insurance prices for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,345. Get written up for two speeding tickets and the average cost swells to $1,767, an increase of $422 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for postal workers goes up to an average of $3,538. That’s an increase of $2,193, or $183 per month, just for not paying attention while driving!

The diagram below demonstrates how deductible levels can increase or decrease insurance rates when quoting cheap insurance for postal workers. Data assumes a married female driver, full coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could lower rates by $294 a year by increasing from a $100 deductible up to a $500 deductible, or save $442 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could potentially save up to $730 or even more by using a higher deductible.

If you do make the decision to raise your deductibles, it will be necessary to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.