The words “economical” and “auto insurance” probably shouldn’t be used together, in particular when you are searching for the cheapest coverage for postal workers. To save some money, let’s introduce you to a few of the factors that help determine auto insurance rates, and find out if we can help you reduce the price of your next policy.
One of the more important criteria that aid in calculating the price you pay for insurance is where you call home in Pittsburgh. More densely populated places will most likely pay more, whereas areas with less people or fewer weather incidents benefit from lower prices.
The illustration below shows the priciest cities in Pennsylvania for postal workers to purchase a policy in. Pittsburgh ranks #10 with a yearly premium of $1,085 for the average policyholder, which is around $90 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,504 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,307 |
| 6 | Erie | $1,115 |
| 7 | Reading | $1,110 |
| 8 | Allentown | $1,108 |
| 9 | Easton | $1,091 |
| 10 | Pittsburgh | $1,085 |
| 11 | Plum | $1,079 |
| 12 | New Castle | $1,057 |
| 13 | Bethlehem | $1,055 |
| 14 | Municipality of Monr | $1,049 |
| 15 | Wilkes-Barre | $1,047 |
| 16 | Hazleton | $1,046 |
| 17 | Scranton | $1,039 |
| 18 | Altoona | $1,012 |
| 19 | Lancaster | $1,005 |
| 20 | Williamsport | $996 |
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Premium amounts are comparative as zip code location can increase or decrease premium rates greatly.
The type of vehicle that needs insurance is probably the largest consideration when comparing low-priced auto insurance for postal workers. Vehicles with higher performance, poor safety ratings, or a track record of large liability claims will cost more to insure than more modest models.
The next table illustrates auto insurance prices for a handful of the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,112 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,182 |
| Toyota Tacoma 4WD | $1,218 |
| Honda CR-V LX 2WD | $1,227 |
| Ford F-150 XL Crew Cab 4WD | $1,241 |
| Chevrolet Equinox LS AWD | $1,288 |
| Jeep Grand Cherokee Laredo 4WD | $1,294 |
| Chevrolet Impala LT | $1,288 |
| Ford Explorer Eddie Bauer AWD | $1,312 |
| Toyota Prius | $1,323 |
| Hyundai Elantra SE Touring Station Wagon | $1,328 |
| Dodge Grand Caravan SE | $1,333 |
| Ford Edge SE 2WD | $1,349 |
| Toyota Corolla XLE | $1,356 |
| Honda Odyssey Touring | $1,380 |
| Ford Focus SE 4-Dr Sedan | $1,382 |
| Nissan Rogue SL 2WD | $1,389 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,394 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,403 |
| Dodge Ram Quad Cab SLT 2WD | $1,406 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in specific location information which can influence auto insurance rates noticeably.
Based upon these rates, you can see that vehicles like the Ford Escape, Volkswagen Jetta, Toyota Tacoma, Honda CR-V, and Ford F-150 are most likely going to be some of the most affordable vehicles to insure for postal employees.
The information below illustrates how choosing a deductible can impact insurance rates when quoting cheap insurance for postal workers. The price estimates are based on a married female driver, full coverage, and no other discounts are factored in.
In the chart above, a 40-year-old driver could lower their car insurance rates by $226 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $340 by using a $1,000 deductible. Young drivers, such as the 20-year-old example, could lower their rates $558 or more by choosing a higher deductible.
If you do raise deductibles, it will be necessary to have additional savings on hand to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How accidents and violations affect rates
The easiest method to maintain the best car insurance prices for postal employees is to drive carefully and not have accidents or get tickets. The chart below shows how traffic citations and accidents increase insurance costs for each age group. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of auto insurance per year with no accidents or violations is $1,731. Add in two speeding tickets and the average cost surges to $2,292, an increase of $560 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for postal workers increases to an average of $4,359. That’s an increase of $2,627, or $219 per month, just for not being more responsible behind the wheel!
Here’s why you should compare rates often
Pennsylvania car insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Improving your credit rating, moving across town, or having an accident may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.
Not only may things change on your end, but car insurance companies change their prices without warning to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity can cause more expensive premiums, while lower claims may cause cheaper Pittsburgh car insurance rates.
To help illustrate this point, the chart below shows the company with the cheapest car insurance in Pittsburgh, PA for a 30-year-old male driver with no violations or accidents, and a decent credit rating. Based on his current situation, General Casualty may offer the cheapest car insurance rates in Pittsburgh at $870 a year. This is $787 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are also included in the top five cheapest Pittsburgh, PA auto insurance companies.
The example below compares rates after we give the driver from the above example a claim, a little lower credit rating, and a traffic citation. Since every car insurance company uses their own calculation to set policy rates, comparing quotes may now present a substantially altered list of affordable Pittsburgh car insurance companies as shown below.
Auto-Owners now has the best price in Pittsburgh, PA with Atlantic States, Donegal Mutual, GEICO, and Allied also being competitive. This illustrates why Pennsylvania drivers need to spend some time comparing rates when trying to get the most budget-friendly insurance quotes for postal workers.
Rates can be altered by many things and can change substantially, so the cheapest option when you bought your policy may now be one of the more expensive options.
The auto insurance agents in Pittsburgh shown below can most likely answer your questions and help you decide which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when comparing insurance rates for postal employees. It can be hard to find the best rates on your own, so getting professional guidance from a licensed agent can provide you satisfaction knowing your coverage gives you suitable coverage if you have an accident. To find an auto insurance agency by location nearest to you, click the button following the list.
Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178
Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390
John Cosey – State Farm Insurance Agent
5869 Forbes Ave – Pittsburgh, PA 15217 – (412) 521-7070
Ron Dunn Insurance Agency, LLC
124 Ingram Ave – Pittsburgh, PA 15205 – (412) 922-1126
George O’Korn – State Farm Insurance Agent
4486 Steubenville Pike – Pittsburgh, PA 15205 – (412) 921-1182
View map of Pittsburgh, PA insurance agents
Ideas for buying cheaper auto insurance for postal workers
Here are many thrifty solutions that can help drivers locate low-cost auto insurance.
- Accident-free drivers may qualify for discounts
- Good credit can save money
- Try to pay small claims out-of-pocket
- Avoid speeding and other traffic citations and pay less
- Drive a car with a high safety rating
- Compare quotes from other companies often
The final tip is notably necessary, as we noted in the prior information. Auto insurance rates fluctuate constantly, so drivers shouldn’t be resistant to buy a policy from a new company if a better deal can be had. Brand loyalty is great, but it isn’t a good idea if that devotion results in you overpaying hundreds of dollars year after year. If you have a few minutes, compare rates and find cheaper auto insurance for postal workers in Pittsburgh.