The words “bargain” and “insurance” really should not be used together, specifically when trying to find the best coverage prices for postal workers. To help control this cost, let’s go over a few of the things the can have a considerable influence on insurance prices, and see if we can help you reduce the price of your next policy.
The make and model of vehicle to be insured is probably the most important factor when quoting cheap car insurance for postal workers. Vehicles with reasonable performance levels, excellent safety ratings, or low incidents of liability claims will cost much less to insure than fast, unsafe models. The next table presents coverage rates for a selection of the cheapest automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $2,049 |
| Ford Escape XLS 2WD | $2,069 |
| Honda CR-V EX-L 2WD | $2,076 |
| Hyundai Elantra GLS Touring Station Wagon | $2,069 |
| Honda Accord LX 4-Dr Sedan | $2,079 |
| Ford Explorer XLT AWD | $2,073 |
| Chevrolet Impala LS | $2,142 |
| Toyota Tacoma 2WD | $2,151 |
| Ford F-150 Lariat Crew Cab 2WD | $2,232 |
| Dodge Grand Caravan SE | $2,265 |
| Kia Optima LX | $2,342 |
| Volkswagen Jetta 2.0T Station Wagon | $2,365 |
| Chevrolet Silverado LS Regular Cab 2WD | $2,378 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $2,391 |
| Chevrolet Equinox LS 2WD | $2,445 |
| Toyota RAV4 2WD | $2,455 |
| Ford Focus SES 4-Dr Sedan | $2,458 |
| Find Cheaper Rates Go | |
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in vehicle location which can modify premiums significantly.
Based upon the rates shown, you can conclude that vehicles like the Toyota Prius, Ford Escape, and Honda CR-V will definitely be a few of the less-costly vehicles to insure for postal employees.
One of the more important considerations that are used to help calculate the price you pay for insurance is where you keep your car. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The information below ranks the highest-priced areas in Nevada for postal workers in which to purchase auto insurance. Henderson is ranked #8 with a yearly cost of $1,749 for the average policyholder, which is approximately $146 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Winchester | $2,094 |
| 2 | Sunrise Manor | $2,090 |
| 3 | Paradise | $2,061 |
| 4 | Spring Valley | $2,060 |
| 5 | North Las Vegas | $1,900 |
| 6 | Las Vegas | $1,892 |
| 7 | Enterprise | $1,870 |
| 8 | Henderson | $1,749 |
| 9 | Boulder City | $1,541 |
| 10 | Mesquite | $1,325 |
| 11 | Pahrump | $1,323 |
| 12 | Sparks | $1,317 |
| 13 | Sun Valley | $1,305 |
| 14 | Reno | $1,294 |
| 15 | Spanish Springs | $1,229 |
| 16 | Gardnerville Ranchos | $1,150 |
| 17 | Spring Creek | $1,125 |
| 18 | Carson City | $1,124 |
| 19 | Fernley | $1,115 |
| 20 | Dayton | $1,108 |
| Compare Prices Now Go | ||
Rate quotes are estimated as the vehicle garaging location can change price quotes greatly.
Buying budget insurance is challenging, and figuring out which companies quote the cheapest auto insurance rates for postal workers calls for even more perseverance. Every car insurance company uses their own formula for setting prices, so we’ll take a look at the most affordable auto insurance companies in Henderson.
It’s important that readers know that Henderson, NV auto insurance rates are impacted by many things that control the cost of having a policy. This price fluctuation is why consumers need to do a thorough rate comparison when trying to get the most budget-friendly insurance rates for postal workers. Insurance rates consist of many factors and can change substantially, so the cheapest rate three years ago may now be wasting a lot of money.
Find the Cheapest Auto Insurance for USPS Employees
Travelers has some of the most affordable car insurance rates in Henderson at around $939 a year. Allied, Capital, Oregon Mutual, and American Family are also some of the cheaper Henderson, NV insurance companies.
In the above example, if you are a policyholder with Allied and switched to Travelers, you may realize annual savings of in the neighborhood of $10. Insureds with Capital might save as much as $39 a year, and Oregon Mutual policyholders might reduce prices by as much as $208 a year.
To find the cheapest rates for your vehicle, click here to get quotes or click through to the companies below.
These rates are averaged across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for postal workers. So the car insurance company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Get discount Henderson car insurance
Insurers that offer coverage for postal workers may additionally offer special discounts that may potentially lower prices by as much as 35% or more if you can meet the requirements. A few popular companies and a partial list of their discounts include:
- State Farm may offer discounts for anti-theft, Steer Clear safe driver discount, multiple autos, defensive driving training, passive restraint, and driver’s education.
- Esurance may include discounts for anti-lock brakes, safety device, emergency road assistance, homeowner, defensive driver, and renters.
- Progressive has savings for homeowner, multi-policy, multi-vehicle, online signing, good student, continuous coverage, and online quote discount.
- Liberty Mutual offers premium reductions for new vehicle discount, hybrid vehicle, safety features, good student, new move discount, and new graduate.
- Auto-Owners Insurance discounts include safe vehicle, multiple vehicles, multi-policy, student away at school, and paperless.
- GEICO offers discounts for seat belt use, anti-theft, five-year accident-free, membership and employees, and driver training.
The illustration below illustrates the comparison of auto insurance costs with and without some available policy discounts. The premiums are based on a female driver, no accidents or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple policy, anti-theft, defensive driving course, vehicle safety, and claim-free discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for postal workers is 27% or $424.
The diagram below illustrates how your choice of deductibles can raise or lower insurance prices when quoting cheap insurance for postal workers. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 40-year-old driver could lower their car insurance rates by $292 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $442 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, have the ability to save as much as $728 or more just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it will now be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How accidents and violations affect rates in Henderson
One of the best ways to find low auto insurance rates in Nevada for postal employees is to pay attention while driving and avoid accidents and keep your driving record clean. The diagram below shows how violations and fender-benders can impact car insurance costs for each different age category. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy in Henderson per year with no accidents and a clean driving record is $1,252. Receive two speeding tickets and the average cost jumps to $1,777, an increase of $525 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for postal workers increases to an average of $2,301. That’s an increase of $1,049, or $87 per month, just for not being more responsible behind the wheel!
If you aren’t sure which coverage to buy and prefer to have a consultation when buying car insurance for postal workers, the agents listed below are willing to help you make a decision which coverage meets your needs best.
To find an agent near you, click the button at the bottom of the list or click here to compare price quotes now.
Sam King – State Farm Insurance Agent
2253 N Green Valley Pkwy – Henderson, NV 89014 – (702) 435-0222
Farmers Insurance – Christopher Sutter
11201 S Eastern Ave #110 – Henderson, NV 89052 – (702) 260-8589
Allstate Insurance: Jeremy Peltz
3215 St Rose Pkwy Ste 120 – Henderson, NV 89052 – (702) 233-8372
View more Henderson, NV insurance agents
How to find more affordable car insurance for postal workers
Here are some of the recommended penny-pinching suggestions that can help Henderson drivers get low-cost coverage.
- Vehicles with good safety ratings have lower liability rates
- Drive safely
- Do not pay for full coverage if not needed
- Claim-free policyholders usually earn a discount
- Remain accident-free and save
- Buy your homeowners policy from the same company as your auto insurance
- Comparison shop at least every other year
The last tip is especially critical, as was emphasized in the prior article. Insurance prices can change significantly in a year, so you should be ready to buy a policy from a new company if you find a cheaper price.
Staying with the same company for years is fine, but it’s not a good idea if it’s costing you potentially thousands of dollars a year. In just a couple of minutes you could compare prices and find cheaper insurance for postal workers in Henderson.