The words "cheap" and "auto insurance" really shouldn't be used together, in particular when you are shopping around for the best insurance rates for postal workers. To save some money, let's take a look at a few of the factors that significantly impact insurance prices, and see if you can reduce the cost of the next policy you buy.
The vehicle model on the policy is probably the most important factor when comparison shopping for low-cost car insurance for postal workers. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.
The data below illustrates coverage prices for a handful of the most economical automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$811|
|Ford Escape XLT 4WD||$829|
|Toyota Tacoma Double Cab 4WD||$958|
|Chevrolet Impala LT||$963|
|Toyota Corolla S||$1,007|
|Chevrolet Silverado LS Regular Cab 4WD||$1,019|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,025|
|Honda Odyssey Touring||$1,034|
|Ford Fusion SE 4-Dr Sedan||$1,025|
|Honda Civic Hybrid 4-Dr Sedan||$1,032|
|Ford F-350 XLT Super Cab 2WD||$1,043|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$1,060|
|Ford Edge SE AWD||$1,076|
|Ford Focus SE 2-Dr Coupe||$1,081|
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific location information which can affect coverage rates considerably.
Based upon the table data, we can tell that models like the Honda CR-V, Ford Escape, and Toyota Tacoma are some of the less-costly vehicles to insure for postal employees.
One of the many factors that are used to help calculate auto insurance rates is where you normally keep your vehicle. Areas with more people or even just a higher incidence of claims like Florence, Charleston, and Summerville will most likely pay more, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The illustration below shows the most costly cities in South Carolina for postal workers to purchase a policy in.
|12||Hilton Head Island||$1,173|
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Rate information is comparative as the specific South Carolina residence address can increase or decrease rates substantially.
Finding the highest-rated insurance provider can be rather challenging considering how many companies sell coverage in South Carolina. The rank data in the lists below can help you analyze which coverage providers you want to consider when shopping your coverage around.
These ratings are only made up of companies with a national presence, so companies that have a smaller presence are not factored into these rankings. To check prices from many more South Carolina auto insurance companies, simply click here.
Top 10 Major Auto Insurers in South Carolina Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
- The Hartford - 87%
Top 10 Major Auto Insurers Overall in South Carolina
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
The chart below illustrates how your deductible choice can affect insurance costs when trying to find cheap insurance for postal workers in South Carolina. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 40-year-old driver could lower rates by $280 a year by changing from a $100 deductible up to a $500 deductible, or save $424 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut $920 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is essential to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find low-cost insurance for postal workers in South Carolina
It is possible to find better rates, and here are some money-saving ideas that can help you get more affordable car insurance.
- Ensure your driving record is clean
- Buy vehicles with five-star safety ratings
- Accident-free drivers may qualify for discounts
- Better credit rating means better rates
- Increase the comprehensive and collision deductibles on your policy
- Compare rate quotes frequently
The final tip is particularly vital, as we hit on in the prior information. Insurance rates adjust frequently, so don't be tentative to buy a different policy if a better rate can be found. Many drivers have brand loyalty and that's fine, but is isn't recommended if that faithfulness ends up costing you potentially thousands of dollars a year. It only take a few minutes to compare rates and find cheaper car insurance for postal workers.