The vehicle model requiring insurance is a significant factor when looking for the best cheap coverage for postal workers. Vehicles with higher performance, poor crash test ratings, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.
The list below ranks auto insurance prices for some of the most budget-friendly automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$842|
|Ford Explorer Eddie Bauer 2WD||$949|
|Honda CR-V EX 4WD||$990|
|Toyota Camry LE||$1,001|
|Chevrolet Impala LT||$1,010|
|Ford Escape XLT 2WD||$1,034|
|Honda Odyssey EX-L W/Navigation||$1,053|
|Nissan Altima Hybrid 4-Dr Sedan||$1,072|
|Toyota Tacoma 4WD||$1,084|
|Dodge Grand Caravan CV||$1,092|
|Honda Civic DX 4-Dr Sedan||$1,122|
|Nissan Rogue SL AWD||$1,124|
|Ford F-150 XLT Regular Cab 2WD||$1,132|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,138|
|Chevrolet Malibu Hybrid||$1,143|
|Toyota Camry Hybrid||$1,151|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$1,143|
|Toyota RAV4 Limited 4WD||$1,153|
|Hyundai Sonata Limited 4-Dr Sedan||$1,143|
|Dodge Ram 2500 Mega Cab SLT 2WD||$1,195|
|Ford Edge Limited AWD||$1,203|
|Dodge Ram Quad Cab Laramie 4WD||$1,214|
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific zip code location which can influence premiums greatly.
Looking at the rates, you can see that models like the Hyundai Elantra, Ford Explorer, Honda CR-V, and Toyota Camry are most likely to be the more affordable vehicles to insure for postal employees.
One of the many components that determine insurance cost is where you keep your vehicle. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The illustration below rates the priciest cities in Indiana for postal workers to buy car insurance in. Fort Wayne makes the list at #14 with a yearly cost of $985 for car insurance, which is approximately $82 per month.
|Rank||City||Premium Per Year|
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Annual rates are comparative as specific Fort Wayne zip code can change premium rates greatly.
Finding reliable, low-priced auto insurance is not most people’s favorite thing to do, and finding out which company offers the most affordable insurance rates for postal workers takes even more shopping around. Every auto insurer uses different criteria for determining rates in each state, so first we will examine the overall cheapest insurance companies in Fort Wayne, IN.
Best Car Insurance Prices for USPS Employees
|Rank||Company||Cost Per Year|
|5||Indiana Farmers Mutual||$841|
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Travelers may have some of the most affordable car insurance rates in Fort Wayne at around $614 a year. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual also are some of the most economical Fort Wayne, IN insurance companies.
As depicted above, if you have coverage with Cincinnati Insurance and switched to Travelers, you might see savings of around $64. Drivers with Erie may save as much as $98 a year, and Indiana Farmers Mutual insureds might lower prices by up to $227 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or quote prices from the following companies.
Understand that those estimates are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for postal workers. So the company that can offer the best rates for your situation may not even be in the top 36 companies in the list above. That’s why you need to compare as many prices as possible using your own driver data and vehicle information.
Cost of full coverage in Fort Wayne
Saving money on insurance should be important to the majority of people, and one good way to buy cheap insurance for postal workers is to not buy full coverage. The information below illustrates the difference between insurance rates with full coverage and liability only. Data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,798 per year more than just buying liability insurance. That is a significant amount which raises the question when is it a good idea to stop buying full coverage. There is no exact rule of when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
Discount Fort Wayne auto insurance rates
Insurers that provide policies for postal workers could also offer premium discounts that can lower rates by as much as 25% or more if you are eligible for them. A list of insurance companies and some of the discounts are detailed below.
- GEICO offers discounts including defensive driver, federal employee, military active duty, membership and employees, and emergency military deployment.
- MetLife may include discounts for defensive driver, accident-free, good student, claim-free, and multi-policy.
- Progressive offers discounts for homeowner, good student, multi-vehicle, multi-policy, and continuous coverage.
- Travelers discounts include continuous insurance, new car, hybrid/electric vehicle, IntelliDrive, and multi-car.
- SAFECO may have discounts that include accident prevention training, bundle discounts, safe driver, anti-theft, teen safety rewards, and teen safe driver.
- AAA may offer discounts for good driver, multi-car, education and occupation, pay-in-full, multi-policy, and good student.
The information below compares car insurance costs with and without policy discounts. Data assumes a male driver, a clean driving record, no claims, Indiana state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, vehicle safety, multiple policy, accident-free, multiple vehicle, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for postal workers is 28% or $407.
Here’s why you should compare rates often
Indiana insurance rates are impacted by many factors which can significantly increase or decrease the cost of a policy. Getting older, buying a home, or getting a driving violation can trigger rate changes that can now make some companies more affordable than competitors. Not only may your situation change, but insurance companies change prices at least once a year in order to remain profitable. An extended period of higher than normal claims may result in higher prices, while a better claims history may result in lower-priced Fort Wayne car insurance rates.
As an example, the bar chart below shows the cheapest car insurance in Fort Wayne, IN for a 45-year-old male driver with a clean driving record, no accidents, and a decent credit rating. When quoting prices based on his current rating profile, Travelers quotes the lowest car insurance rates in Fort Wayne at $640 each year. This is $600 less than the average rate paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are also included in the top five cheapest Fort Wayne, IN auto insurance companies.
Now we will pretend the driver from the first rate comparison a chargeable accident, bad credit, and a few traffic violations. Due to the fact that every insurance company has a different process to determining premium rates, analyzing rates may result in a significantly different list of the cheapest Fort Wayne car insurance companies as shown below.
Auto-Owners now has the best auto insurance rate in Fort Wayne, IN with The Hartford, Cincinnati Insurance, Motorists Mutual, and Nationwide completing the list. This example proves why Indiana drivers need to do a thorough rate comparison when trying to find the lowest auto insurance quotes for postal workers. Insurance prices are calculated by many factors and can increase or decrease at any time, so the cheapest rate when you last compared rates may now be costing you a lot of money.
Ideas for finding economical car insurance for postal workers
Below you’ll find some of the recommended money-saving suggestions that can help you buy lower-cost auto insurance.
- Good credit can help you save money
- Accident-free drivers may qualify for discounts
- Drive a car with a high safety rating
- Do not pay for comprehensive and collision coverage on older vehicles
- Tickets and violations raise rates
- Increase physical damage deductibles
- Comparison shop at least every other year
The last idea is extraordinarily significant, as was pointed out in the prior information. Insurance rates change constantly, so don’t hesitate to change to a new company if a better deal can be had. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that inflexibility results in costing you money that could be used for better things. Now is a great time to compare prices and find cheaper insurance for postal workers in Fort Wayne.