Best Cheap Car Insurance for Postal Workers in Kansas

Because the topic is auto insurance, the words “cheap” or “affordable” should not be used anywhere in the article to describe car insurance prices. Forgive the oxymoron, but cheap car insurance for postal workers can be hard, if not impossible, to find. Don’t let that get you down, though, because we are going to show you how you can find auto insurance that doesn’t break your budget.

For Kansas drivers, one of the criteria that car insurance companies use when figuring auto insurance rates is where you keep your car in Kansas. Areas with more people or more claims like Garden City, Kansas City, and Wichita will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The illustration below illustrates the highest-priced areas in Kansas for postal workers to buy car insurance in.

Premium costs are approximated as zip code location can decrease or increase insurance rates significantly.

Determining which insurers offer the lowest-priced insurance rates for postal workers requires a little more work than just comparing a company or two. Each company has their own formula to determine premium rates, so let’s take a look at the lowest cost insurance companies in Kansas.

It’s a good idea to be aware that Kansas insurance rates are based on many factors that will increase or decrease the cost of your policy. Improving your credit score, increasing deductibles, or getting caught speeding can trigger changes in premium that may make certain companies more affordable than competitors.

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USAA offers some of the best car insurance rates in Kansas at around $766 annually. The Hartford, Auto-Owners, Travelers, and Allied would also be considered some of the more affordable Kansas car insurance companies.

As illustrated above, if you have coverage with Travelers and switched to USAA, you could see a yearly price reduction of in the neighborhood of $307. Customers with Allied may save as much as $332 a year, and Farmers customers might cut rates by $374 a year.

Understand that those rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a price decrease for postal workers. So the car insurance company that is most affordable for your situation may not even be in the chart above. That’s why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The chart below highlights how deductible selection can impact annual premium costs when quoting cheap insurance for postal workers. Data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

The data above shows that a 30-year-old driver could reduce rates by $312 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $470 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, could lower their rates $694 or even more by selecting a higher deductible. When raising deductibles, it will be necessary to have enough savings to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Which major car insurance company is best?

If you’re looking for the cheapest car insurance for postal employees in Kansas, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. The data below compares and contrasts some of the different options that are available from each company.