Who Has Affordable Car Insurance Quotes for Postal Workers in Plano?

The type of vehicle you are insuring is one of the primary factors when comparison shopping for the best cheap auto insurance for postal workers. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below shows coverage premiums for the most economical automobiles to insure.

Cheapest Vehicles to Insure in Plano, TX
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $966
Honda CR-V EX 4WD $1,023
Ford Fusion S 4-Dr Sedan $1,046
Dodge Grand Caravan Hero $1,055
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,065
Toyota Prius $1,074
Hyundai Elantra Blue 4-Dr Sedan $1,082
Toyota Camry XLE $1,104
Chevrolet Impala LTZ $1,111
Kia Optima LX $1,121
Honda Odyssey EX $1,123
Volkswagen Jetta SEL 4-Dr Sedan $1,131
Chevrolet Malibu LTZ $1,123
GMC Sierra SLT Extended Cab 4WD $1,132
Toyota RAV4 Limited 4WD $1,146
Jeep Grand Cherokee Laredo 2WD $1,153
Ford F-150 Lariat Crew Cab 2WD $1,167
Ford Explorer Limited 2WD $1,176
Ford Focus SEL 4-Dr Sedan $1,207
Ford Edge Sport 2WD $1,233
Toyota Corolla LE $1,242
Dodge Ram Quad Cab SLT 2WD $1,246
GMC Sierra 3500HD SLE Crew Cab 2WD $1,252
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in Plano, TX location which can affect premium rates significantly.

Based upon the rates shown, vehicles like the Ford Escape, Honda CR-V, and Ford Fusion are likely to be the most economical vehicles to insure for postal employees.

Buying budget car insurance is tough enough, and figuring out which insurers offer the best car insurance rates for postal workers takes even more work. Each insurance company has their own guidelines to set premium rates, so we’ll go over the car insurance companies with the most affordable rates in Plano.

It’s a good idea to be aware that Plano car insurance rates are calculated based on many things that will increase or decrease the policy price. Price variation is why it is crucial to compare rates to find the most economical insurance rates for postal workers. Insurance prices can be determined by many risk factors and change substantially, so the cheapest rate the last time you checked may now be one of the more expensive options.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,095
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,396
7 State Farm $1,465
8 Mercury $1,476
9 Safe Auto $1,597
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,757
14 Home State $2,092
15 GEICO $2,093
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,672
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Travelers may have some of the most affordable car insurance rates in Plano at around $1,010 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheapest Plano, TX car insurance companies.

As the rates illustrate above, if you are insured with USAA and switched to Travelers, you may see a yearly price reduction of in the neighborhood of $85. Insureds with Texas Farm Bureau might save as much as $237 a year, and Germania Mutual policyholders might see rate reductions of $272 a year.

Remember that these policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a specific zip code for postal workers. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.

For postal employees, one of the big criteria that determine the amount you pay each year for auto insurance is where your car is garaged in Plano. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.

The following table sorts the most costly cities in Texas for postal workers to purchase auto insurance in. Plano is listed at #22 with an annual premium of $1,576 for the average insurance policy, which is approximately $131 per month.

How much is auto insurance in Plano, TX?
Rank City Premium Per Year
1 McAllen $1,956
2 Dallas $1,911
3 Houston $1,891
4 Brownsville $1,870
5 Laredo $1,851
6 Pasadena $1,812
7 Mesquite $1,807
8 Garland $1,796
9 Amarillo $1,786
10 Grand Prairie $1,757
11 Beaumont $1,754
12 San Antonio $1,739
13 Irving $1,719
14 Lubbock $1,716
15 Arlington $1,692
16 Austin $1,676
17 Corpus Christi $1,636
18 El Paso $1,632
19 Fort Worth $1,621
20 Carrollton $1,615
21 McKinney $1,609
22 Plano $1,576
23 Waco $1,569
24 Abilene $1,499
25 Killeen $1,473
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Rates are comparative as the specific garaging location can revise auto insurance rates considerably.

The diagram below demonstrates how deductible levels can influence insurance costs when searching for cheap insurance for postal workers. The rates are based on a single male driver, comp and collision included, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could reduce rates by $314 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $472 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old example, could drop their prices up to $1,026 or even more just by choosing larger deductibles.

When choosing a higher deductible, it is important to have additional savings on hand to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Safe drivers Plano pay cheaper rates

The easiest way to find cheap car insurance premiums in Texas for postal employees is to be an attentive driver and avoid accidents and keep your driving record clean. The information below highlights how speeding tickets and at-fault fender-benders can affect insurance premiums for each different age category. The information is based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of a car insurance policy in Texas per year with no violations or accidents is $1,963. Get written up for two speeding tickets and the average cost hikes up to $2,601, an increase of $638 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for postal workers goes up to an average of $4,976. That’s an increase of $3,013, or $251 per month, just for a couple of infractions!

Get discount Plano car insurance rates

Discounts on car insurance for postal workersCar insurance companies that provide policies for postal workers may provide premium discounts that can reduce rates by 35% or more if you are eligible. A few popular companies and their possible discounts are shown below.

The diagram below shows the difference between insurance premiums with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, passive restraint, claim-free, vehicle safety, defensive driving course, and anti-theft discounts applied. When taking advantage of discounts, theamount saved on car insurance for postal workers is 28% or $480.