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.
| 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.
Find Cheaper Car Insurance for USPS Employees
| 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.
| 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 |
| Find the Best Rates Go | ||
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
Car 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.
- Farm Bureau discounts include renewal discount, safe driver, 55 and retired, good student, and youthful driver.
- State Farm has discounts for defensive driving training, passive restraint, accident-free, safe vehicle, anti-theft, Drive Safe & Save, and multiple policy.
- Progressive offers discounts including homeowner, online signing, multi-policy, good student, and online quote discount.
- Allstate offers premium reductions for FullPay discount, senior citizen, auto/life discount, teenSMART discount, defensive driver, and premier plus.
- Nationwide may have discounts that include Farm Bureau membership, multi-policy, anti-theft, easy pay, defensive driving, and good student.
- MetLife offers discounts for accident-free, claim-free, good student, good driver, and defensive driver.
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.