The words “low-priced” and “auto insurance” really shouldn’t be used together, specifically when comparison shopping for the cheapest car insurance for postal workers. In an attempt to save some money, let’s learn about some of the factors that help determine auto insurance rates, and come up with some ways to lower the cost of the next policy you buy.
For postal employees, one of the largest components that help determine car insurance rates is where you keep your car. Cities with more crime and/or more people tend to pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below lists the highest-priced places in California for postal workers in which to buy car insurance. Bakersfield shows up at #22 having an annual price of $1,340 for coverage, which is approximately $112 per month.
|Rank||City||Premium Per Year|
|Find Cheaper Insurance Go|
Information shown are estimated as the specific area where the vehicle is garaged can influence insurance rates considerably.
Establishing which company offers the best car insurance rates for postal workers calls for more work in order to find the lowest price quote. Every auto insurer has a unique formula for filing rates in each state, so let’s rank the car insurance companies with the most affordable rates in Bakersfield.
Compare Cheap Insurance Quotes for USPS Employees
|Rank||Company||Cost Per Year|
|View More Rates Go|
Wawanesa generally has some of the cheapest car insurance rates in Bakersfield at around $1,146 annually. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also qualify as some of the cheapest Bakersfield, CA auto insurance companies.
In the above rates, if you are a customer of CSAA and switched to Wawanesa, you may realize a yearly price reduction of around $76. Policyholders with Nationwide might save as much as $80 a year, and 21st Century policyholders might reduce prices by as much as $192 a year.
To find cheaper insurance rates for your vehicle, click here or quote rates from the companies below.
Bear in mind that those policy prices are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact location for postal workers. So the car insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That is why you need to get quotes using your own individual information.
The vehicle model you are trying to insure is one of the largest factors when comparison shopping for the best cheap insurance for postal workers. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The data below illustrates auto insurance prices for the cheaper automobiles to insure in California.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$737|
|Honda Accord LX-P 4-Dr Sedan||$743|
|Ford F-150 FX2 Super Cab 2WD||$828|
|Ford Escape XLT 4WD||$851|
|Ford Edge SEL 2WD||$857|
|Honda Civic DX 4-Dr Sedan||$863|
|Chevrolet Equinox LS AWD||$874|
|Toyota Tacoma Double Cab 4WD||$884|
|Jeep Grand Cherokee Laredo 2WD||$874|
|Chevrolet Impala LT||$879|
|Dodge Grand Caravan CV||$906|
|Honda Odyssey EX||$933|
|Nissan Rogue S AWD||$935|
|Chevrolet Silverado LS Extended Cab 2WD||$942|
|Dodge Ram Quad Cab SLT 2WD||$954|
|Nissan Altima 2.5 4-Dr Sedan||$981|
|Start Your Quote Go|
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can revise coverage prices greatly.
Based on these rates, models like the Honda CR-V, Honda Accord, Toyota Prius, and Ford F-150 will be the most affordable vehicles to insure for postal employees.
Get discounts on Bakersfield auto insurance
Insurance companies that provide policies for postal workers may also offer special discounts that could reduce prices by as much as 35% or more if you meet the requirements. A list of companies and their possible discounts can be found below.
- Progressive has discounts for homeowner, online quote discount, good student, multi-policy, continuous coverage, and multi-vehicle.
- MetLife offers premium reductions for accident-free, claim-free, defensive driver, multi-policy, good driver, and good student.
- Mercury Insurance discounts include ease of repair, anti-theft, multi-car, professional/association, annual mileage, age of vehicle, and good student.
- Nationwide may include discounts for accident-free, family plan, anti-theft, business or organization, easy pay, good student, and multi-policy.
- GEICO includes discounts for driver training, daytime running lights, federal employee, anti-lock brakes, anti-theft, and good student.
- AAA offers discounts for multi-car, AAA membership discount, good driver, education and occupation, multi-policy, good student, and anti-theft.
The chart below shows the comparison of auto insurance costs with and without discounts. The premiums are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, anti-theft, marriage, accident-free, vehicle safety, and safe-driver discounts applied. With discounts applied, the average amount saved each year on car insurance for postal workers is 28% or $777.
The example below illustrates how your deductible choice can affect insurance rates when trying to find cheap insurance for postal workers. The prices are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could save $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save as much as $1,190 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is essential to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Tips to find economical insurance for postal workers
It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help Bakersfield drivers get lower-cost coverage.
- Be a safe driver
- Being accident-free can lower rates significantly
- Higher comprehensive and collision coverage deductibles will save money
- Drop full coverage on older vehicles
- Good credit can save money
- Drive vehicles with five-star safety ratings
- Compare rates and switch if you can find a better deal
That last idea is notably critical, as was affirmed in the prior article. Coverage prices can change considerably based on profitability, so drivers shouldn’t be resistant to switch companies if you find a better deal.
We understand brand loyalty, but it isn’t a good idea if that faithfulness ends up costing you a fortune every year. Now is a great time to compare rates to find cheaper car insurance for postal workers in Bakersfield.
If you have coverage questions and would like to have some professional guidance when buying car insurance for postal workers, the insurance agencies below are willing to help you make a decision which policy fits your needs best.
To locate a Bakersfield auto insurance agent nearest to you, click the link at the bottom.
David Hall – State Farm® Insurance Agent
5351 Olive Dr #300 – Bakersfield, CA 93308 – (661) 393-8326
Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140
Nationwide Insurance: Michaud Insurance Agency Inc
201 California Ave – Bakersfield, CA 93304 – (661) 633-9900
Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999