For postal employees, one of the largest criteria that aid in calculating the annual cost of car insurance is where you normally keep your vehicle. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.
The next table rates the most expensive places in California for postal workers to buy auto insurance in. Los Angeles comes in at #2 having an annual price of $2,083 for car insurance, which is approximately $174 monthly.
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Rates are approximated as specific location information can alter coverage prices significantly.
Finding good, budget insurance is easier said than done, and determining which insurers offer the cheapest auto insurance rates for postal workers involves even more work. Each insurer uses their own calculation to set their prices, so we'll go over the auto insurance companies with the most affordable rates in Los Angeles, CA.
Best Insurance Companies for USPS Employees
|Rank||Company||Cost Per Year|
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USAA may offer some of the cheapest car insurance rates in Los Angeles at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheapest Los Angeles, CA car insurance companies.
As depicted above, if you are insured with Century National and switched to USAA, you may realize a yearly price reduction of upwards of $69. California drivers with CSAA may save as much as $113 a year, and Nationwide customers might lower prices by $154 a year.
Bear in mind that those premium estimates are averaged for all drivers and vehicles in California and and are not calculated with a vehicle location for postal workers. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own individual information.
Types of discounts on Los Angeles auto insurance
Insurance companies that offer coverage for postal workers may provide premium discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. A list of companies and their possible discounts are included below.
- Farmers Insurance offers premium reductions for youthful driver, business and professional, bundle discounts, alternative fuel, mature driver, and early shopping.
- Esurance may offer discounts for Pac-12 alumni, claim free, paid-in-full, safety device, good driver, and multi-policy.
- State Farm includes discounts for Drive Safe & Save, student away at school, anti-theft, defensive driving training, passive restraint, multiple autos, and driver's education.
- GEICO discounts include defensive driver, driver training, seat belt use, multi-policy, air bags, and good student.
- Allstate has savings for eSmart discount, new car, early signing, passive restraint, and good payer.
The diagram below illustrates the difference between annual premium costs with and without policy discounts. The premiums are based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, multiple vehicle, marriage, claim-free, defensive driving course, and homeowner discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for postal workers is 28% or $735.
The diagram below highlights how deductible selection can increase or decrease annual premium costs when quoting cheap insurance for postal workers. Data assumes a married female driver, full coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could lower their car insurance rates by $360 a year by switching from a $100 deductible to a $500 deductible, or save $544 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices up to $896 or more by choosing larger deductibles on their policy.
When choosing a higher deductible, it is necessary to have spare funds to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Picking a high-quality car insurance company is hard considering how many choices drivers have in California. The company rank data displayed below could help you pick which providers to look at purchasing coverage from.
These rankings include major nationwide insurance companies, so smaller companies that only insure vehicles in California are not taken into consideration for this list. If you'd like to compare prices and find the cheapest rates for postal workers, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The insurance agents in Los Angeles listed below can most likely help you make a decision which coverages you need, since some people have coverage questions and would like to have some professional guidance when shopping for cheaper insurance for postal employees. It can be complicated to do it yourself, and getting advice from a licensed agent can provide peace of mind knowing you have adequate coverage if you have an accident or claim. To find a Los Angeles insurance agent in your neighborhood, click the button after the list or click here to compare prices now.
Allstate Insurance: Avo Donoyan
1727 N Vermont Ave Ste 207 - Los Angeles, CA 90027 - (323) 663-8541
Allstate Insurance: Carmina San Jose
628 N Vermont Ave Ste 12 - Los Angeles, CA 90004 - (213) 383-5120
Patricia Aleman - State Farm Insurance Agent
3222 Glendale Blvd b - Los Angeles, CA 90039 - (323) 644-0900
Grace Jun - State Farm Insurance Agent
2426 W 8th St #218 - Los Angeles, CA 90057 - (213) 388-4955