The car, truck, or SUV requiring coverage is probably the most important factor that determines whether or not you find the best cheap coverage for postal workers. Vehicles with average performance, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The next table outlines auto insurance premiums for some of the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,473 |
| Honda CR-V EX-L 4WD | $1,509 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,531 |
| Honda Accord LX 4-Dr Sedan | $1,691 |
| Ford Focus SE 4-Dr Sedan | $1,713 |
| Jeep Grand Cherokee Laredo 4WD | $1,749 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,804 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,873 |
| Chevrolet Malibu LTZ | $1,882 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,907 |
| Ford Edge Limited 2WD | $1,967 |
| Volkswagen Jetta 2.0T Station Wagon | $1,976 |
| Chevrolet Equinox LT 2WD | $2,006 |
| Toyota RAV4 Limited 4WD | $2,016 |
| Dodge Grand Caravan Hero | $2,006 |
| Toyota Prius | $2,014 |
| Ford Explorer XLT AWD | $2,028 |
| Dodge Ram Quad Cab Sport 2WD | $2,031 |
| Honda Civic LX 4-Dr Sedan | $2,072 |
| Toyota Tacoma X-Runner 2WD | $2,111 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can revise premiums noticeably.
Based upon the table data, you can presume that makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, Honda Accord, and Ford Focus will definitely be the cheaper vehicles to insure for postal employees.
One of the many things that aid in calculating insurance cost is your address. Larger areas will most likely have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below ranks the priciest cities in Washington for postal workers to purchase a policy in. Seattle shows up at #7 costing $1,363 for the average insurance policy, which is approximately $114 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Lakewood | $1,434 |
| 2 | Tacoma | $1,427 |
| 3 | Federal Way | $1,393 |
| 4 | Kent | $1,378 |
| 5 | Shoreline | $1,366 |
| 6 | Auburn | $1,366 |
| 7 | Seattle | $1,363 |
| 8 | South Hill | $1,354 |
| 9 | Renton | $1,348 |
| 10 | Everett | $1,238 |
| 11 | Redmond | $1,238 |
| 12 | Bellevue | $1,219 |
| 13 | Marysville | $1,208 |
| 14 | Sammamish | $1,196 |
| 15 | Kirkland | $1,195 |
| 16 | Vancouver | $1,192 |
| 17 | Lacey | $1,122 |
| 18 | Olympia | $1,083 |
| 19 | Spokane | $1,071 |
| 20 | Spokane Valley | $1,054 |
| 21 | Yakima | $1,026 |
| 22 | Pasco | $1,018 |
| 23 | Bellingham | $1,007 |
| 24 | Kennewick | $1,001 |
| 25 | Richland | $993 |
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Prices are comparative as specific Seattle zip code can decrease or increase coverage rates noticeably.
Types of discounts on Seattle insurance rates
Auto insurance companies that offer coverage for postal workers may have special discounts that may potentially lower prices by as much as 35% if you meet specific criteria. The best insurance companies and their offered discounts include:
- State Farm includes discounts for multiple autos, anti-theft, defensive driving training, good driver, safe vehicle, and Drive Safe & Save.
- Progressive has discounts for good student, continuous coverage, online signing, multi-vehicle, and online quote discount.
- Progressive offers discounts for multi-policy, good student, online signing, multi-vehicle, and continuous coverage.
- MetLife offers discounts including defensive driver, claim-free, accident-free, multi-policy, and good student.
- Farm Bureau may include discounts for driver training, multi-policy, 55 and retired, renewal discount, and multi-vehicle.
- GEICO policyholders can earn discounts including anti-theft, daytime running lights, seat belt use, multi-policy, air bags, and membership and employees.
- SAFECO may have discounts that include anti-theft, teen safety rewards, safe driver, homeowner, bundle discounts, and anti-lock brakes.
The illustration below visualizes the comparison of insurance premiums with and without discounts applied. The premiums are based on a male driver, no violations or claims, Washington state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, claim-free, multiple policy, vehicle safety, safe-driver, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for postal workers is 28% or $576.
Full coverage rates compared to liability-only
Reducing premiums for insurance is important to the majority of drivers, and one way to pay less for insurance for postal workers is to not pay for full coverage. The illustration below compares car insurance rates with and without full coverage. The data assumes no claims or driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.
If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an additional $1,553 per year more than buying just liability insurance. That proposes the question if paying for full coverage is a waste of money. There is no set rule to delete comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
If you like to have a consultation when buying car insurance for postal workers, the agents shown below are a good start to help you determine which policy fits your needs best. To find an agent near you, click the link after the list or click here to compare prices now.
Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528
Norwest Insurance Agency
5191 S Spencer St – Seattle, WA 98118 – (206) 965-8140
Melinda Elkin – State Farm Insurance Agent
7104 Greenwood Ave N – Seattle, WA 98103 – (206) 784-6560
Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216
Find a Seattle, WA insurance agent near you
How to find budget-friendly car insurance for postal workers
Below you’ll find some of the recommended thrifty ideas that can help you locate cheaper coverage.
- Multi-policy discounts save money
- Drive safely
- At-fault accidents will increase rates
- Buy safe vehicles
- Try to not file small claims
- Compare rate quotes frequently
That last piece of advice is certainly critical, as we stressed in the article above. Insurance prices can be changed at any time, so you should be ready to buy a policy from a new company if a cheaper rate is available. Brand loyalty is not necessarily bad, but it’s not a good idea if your bullheadedness ends up costing you major coinage every year. In just a few minutes you could shop around and find cheaper insurance for postal workers in Seattle.