The vehicle model requiring insurance is probably the biggest factor when consumers are trying to find economical coverage for postal workers. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models.
The data below shows insurance rates for the cheapest automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,077 |
| Volkswagen Jetta 2.0T Station Wagon | $1,099 |
| Jeep Grand Cherokee Laredo 2WD | $1,114 |
| Toyota RAV4 Limited 4WD | $1,122 |
| Nissan Altima 2.5 4-Dr Sedan | $1,114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,134 |
| Hyundai Elantra GLS Touring Station Wagon | $1,151 |
| Ford Escape XLS 4WD | $1,159 |
| Ford Edge Sport AWD | $1,171 |
| Chevrolet Equinox LTZ AWD | $1,191 |
| GMC Sierra SLE Crew Cab 2WD | $1,201 |
| Chevrolet Silverado LT Crew Cab 4WD | $1,191 |
| Kia Optima LX | $1,195 |
| Dodge Grand Caravan SE | $1,209 |
| Ford F-150 STX Super Cab 4WD | $1,233 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in specific San Antonio, TX garaging location which can increase or decrease coverage prices considerably.
By looking at the data, you can infer that models like the Honda CR-V, Volkswagen Jetta, and Jeep Grand Cherokee are going to be the cheapest vehicles to insure for postal employees.
One of the many factors that determine the amount you pay for auto insurance is where you live. Regions with larger populations or more claims will most likely have higher rates, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The table below sorts the most expensive places in Texas for postal workers to buy auto insurance in. San Antonio shows up at #13 with an annual rate of $1,722 for the average policy, which is around $144 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,891 |
| 4 | Laredo | $1,889 |
| 5 | Brownsville | $1,870 |
| 6 | Garland | $1,850 |
| 7 | Amarillo | $1,840 |
| 8 | Grand Prairie | $1,811 |
| 9 | Mesquite | $1,807 |
| 10 | Pasadena | $1,740 |
| 11 | Irving | $1,736 |
| 12 | Lubbock | $1,733 |
| 13 | San Antonio | $1,722 |
| 14 | Beaumont | $1,702 |
| 15 | Fort Worth | $1,653 |
| 16 | Carrollton | $1,647 |
| 17 | Arlington | $1,642 |
| 18 | El Paso | $1,632 |
| 19 | McKinney | $1,625 |
| 20 | Corpus Christi | $1,620 |
| 21 | Austin | $1,610 |
| 22 | Plano | $1,576 |
| 23 | Killeen | $1,533 |
| 24 | Waco | $1,522 |
| 25 | Abilene | $1,499 |
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Premium costs are comparative as the specific area where the vehicle is garaged can increase or decrease rates significantly.
Finding out which companies have the cheapest car insurance rates for postal workers will require a bit more effort in order to find the lowest price quote. Every insurance provider has a different formula to set their prices, so let’s take a look at the lowest cost car insurance companies in San Antonio.
We do need to point out that San Antonio car insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. Simply having another birthday, buying a new vehicle, or getting caught speeding can cause premium changes that may make certain companies more affordable than the competition.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,698 |
| 12 | Amica | $1,705 |
| 13 | Allstate | $1,718 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,594 |
| Find Your Rate Go | ||
Travelers normally has some of the best car insurance rates in San Antonio at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheaper San Antonio, TX insurance companies.
In the rate table above, if you currently have a policy with USAA and switched to Travelers, you could earn yearly savings of about $74. Insureds with Texas Farm Bureau may save as much as $190 a year, and Germania Mutual policyholders might lower prices by $223 a year.
Bear in mind that those estimates are averages across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for postal workers. So the company that fits your situation best may not even be in the list above. That is why you need to compare prices as often as possible using your own driver data and vehicle information.
Full coverage versus liability-only
Paying less for car insurance should be important to the majority of people, and a great way to buy cheap insurance for postal workers is to not insure for full coverage. The chart below illustrates the difference between auto insurance costs with liability coverage only compared to full coverage. The rates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are applied.
If all age groups are averaged, physical damage coverage costs an extra $2,181 per year over having just liability coverage. That is a significant amount which raises the question if buying full coverage is a waste of money. There is no exact rule to delete comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s replacement value is $5,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,500 after paying your policy deductible. If it’s costing you more than $450 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some cases where only buying liability is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
The information below highlights how deductible choice can influence insurance premiums when researching cheap insurance for postal workers. The costs are based on a married female driver, full coverage, and no other discounts are factored in.
In the chart above, a 30-year-old driver could save $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could lower their rates as much as $646 each year just by choosing higher deductibles. If you do decide to increase your deductibles, it’s a good idea to have enough in a savings account to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
The San Antonio auto insurance agencies shown below are willing to aid you in deciding which is the best policy, since many people would rather get some professional advice when shopping around for cheaper insurance for postal employees. It can be hard to find the cheapest rate yourself, and professional agents can give comfort knowing you have adequate coverage when you need it most.
To find a San Antonio insurance agent by location nearest to you, click the button link following the list or click here to get price quotes now.
- Jeff Ellis – State Farm Insurance Agent
16350 Blanco Rd #115 – San Antonio, TX 78232 – (210) 641-7711 - Ryan Meier – State Farm Insurance Agent
8015 Bandera Rd #102 – San Antonio, TX 78250 – (210) 680-6557 - Juan Garcia – State Farm Insurance Agent
2, 407 N Zarzamora – San Antonio, TX 78207 – (210) 438-5826
View map of San Antonio, TX insurance agents
How to find budget-friendly auto insurance for postal workers
Below you’ll find some thrifty ideas that can help Texas drivers buy cheaper coverage.
- Pay for smaller claims out-of-pocket
- Drive attentively and avoid accidents
- Bundle home and auto and save
- Avoid getting citations and tickets
- Safe vehicles generally have lower rates
- Keep rates low by comparing prices once a year
The last item on the list is notably important, as we discussed in the prior information. Prices charged by auto insurers vary greatly, so drivers shouldn’t be reluctant to switch companies if a more affordable price is available.
We understand brand loyalty, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars year after year. Now is a great time to shop around to find cheaper car insurance for postal workers in San Antonio.