The words “economical” and “auto insurance” really should not be used together, especially when searching for the lowest insurance rates for postal workers. To help control this cost, let’s get started by showing you a few of the things that have a considerable impact on car insurance premiums, and find some ways to lower the price of your next policy.
The type of vehicle that is being insured is probably the largest consideration when shopping around for the best cheap auto insurance for postal workers. Vehicles with limited speed and performance, good safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The list below features car insurance rates for the cheapest automobiles to insure in Maryland.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $2,409 |
| Dodge Grand Caravan CV | $2,705 |
| Ford Escape XLS 2WD | $2,754 |
| Nissan Altima 2.5 4-Dr Sedan | $2,852 |
| Ford F-150 FX4 4WD | $2,905 |
| Toyota Corolla LE | $3,000 |
| Toyota Prius | $3,046 |
| Nissan Rogue S 2WD | $3,053 |
| GMC Sierra SL Crew Cab 2WD | $3,059 |
| Ford F-350 XLT Super Cab 2WD | $3,110 |
| Hyundai Elantra SE Touring Station Wagon | $3,208 |
| Toyota RAV4 Sport 4WD | $3,268 |
| Chevrolet Malibu Hybrid | $3,278 |
| Dodge Ram 2500 Mega Cab Laramie 2WD | $3,402 |
| Ford Focus SE 4-Dr Sedan | $3,423 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can lower or raise rates substantially.
Based on these rates, makes and models like the Honda CR-V, Dodge Grand Caravan, and Ford Escape are most likely to be a few of the more affordable vehicles to insure for postal employees.
Finding cheap insurance is not the easiest thing to do, and figuring out which companies offer the cheapest auto insurance rates for postal workers requires a bit more work. Every insurance provider uses slightly different criteria for filing rates in each state, so let’s begin by taking a look at the auto insurance companies with the overall cheapest rates in Baltimore.
Best Auto Insurance Prices for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $920 |
| 2 | Liberty Mutual | $1,092 |
| 3 | Erie | $1,127 |
| 4 | Penn National | $1,137 |
| 5 | State Auto | $1,178 |
| 6 | Amica | $1,308 |
| 7 | Travelers | $1,426 |
| 8 | MetLife | $1,428 |
| 9 | Nationwide | $1,435 |
| 10 | GEICO | $1,442 |
| 11 | California Casualty | $1,484 |
| 12 | State Farm | $1,630 |
| 13 | Allstate | $1,662 |
| 14 | Progressive | $2,128 |
| 15 | Encompass | $2,516 |
| 16 | Victoria | $2,933 |
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USAA has some of the lowest car insurance rates in Baltimore at around $920 a year. Liberty Mutual, Erie, Penn National, and State Auto also qualify as some of the more affordable Baltimore, MD auto insurance companies.
As the rates illustrate above, if you are insured with Liberty Mutual and switched to USAA, you may realize a yearly savings of in the vicinity of $172. Drivers with Erie may save as much as $207 a year, and Penn National insureds might see rate reductions of $217 a year.
If you would like to find cheaper car insurance rates, click here to start your free quote or click through to the companies below.
Be aware that those policy rates are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for postal workers. So the car insurance company that can offer you the lowest price may not even be in the top 16 companies in the list above. That’s why you need to quote rates from many companies using your own specific driver information and vehicle.
Impact of violations and accidents on rates in Baltimore
The common sense way to enjoy low auto insurance prices in Baltimore for postal employees is to pay attention while driving and avoid tickets and accidents. The chart below shows how violations and at-fault claims increase insurance costs for each different age group. The data is based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of car insurance in Baltimore per year with no accidents and a clean driving record is $1,988. Add in one speeding ticket and the average cost jumps to $2,319, an increase of $331 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for postal workers goes up to an average of $3,245. That’s an increase of $1,257, or $105 per month, just for not being a responsible driver!
Discount Baltimore auto insurance
Insurance companies that sell policies for postal workers may additionally offer policy discounts that could potentially reduce rates by 35% or more if you qualify for them. Popular auto insurance companies and some of the premium reductions they offer are included below.
- State Farm may have discounts that include accident-free, student away at school, driver’s education, anti-theft, Steer Clear safe driver discount, passive restraint, and multiple policy.
- Progressive offers premium reductions for multi-policy, online quote discount, online signing, continuous coverage, and homeowner.
- Travelers includes discounts for payment discounts, multi-policy, IntelliDrive, student away at school, good student, and driver training.
- American Family policyholders can earn discounts including good driver, Steer into Savings, mySafetyValet, air bags, bundled insurance, good student, and defensive driver.
- Liberty Mutual offers discounts for exclusive group savings, new graduate, newly retired, new vehicle discount, and newly married.
The information below visualizes the comparison of insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no violations or accidents, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, multiple vehicle, defensive driving course, claim-free, homeowner, and anti-theft discounts applied. When discounts are factored in, the average savings per year on auto insurance for postal workers is 28% or $678.
How to find budget-friendly auto insurance for postal workers
Here are some money-saving solutions that can help Maryland drivers find cheap car insurance.
- Try to remain claim-free
- At-fault accidents will increase rates
- Save money by observing traffic laws and speed limits
- Improve your credit score
- Drive safe vehicles
- Compare rates regularly to ensure the best deal
The last item on the list is notably vital, as was pointed out in this piece. Coverage prices can change significantly in a year, so drivers shouldn’t be reluctant to buy from a new company if a lower price can be found.
Having a favorite company is great, but it’s not a good idea if that loyalty results in overpaying a fortune every year. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for postal workers in Baltimore.
The agents shown below can most likely aid you in deciding which coverages and limits you need, since some drivers have questions and prefer to get some help when shopping around for cheaper insurance for postal workers. It can be complicated to find the best coverage on your own, so getting advice from a licensed Maryland insurance agent can give comfort knowing your coverage gives you adequate protection in case of an accident or claim. To locate a Baltimore auto insurance agent nearest to you, click the link at the bottom or click here to compare prices now.
Senate Select Insurance
5417 Reisterstown Rd – Baltimore, MD 21215 – (410) 358-0411
Aja Green – State Farm Insurance Agent
7635 Belair Rd – Baltimore, MD 21236 – (410) 882-9433
Nationwide Insurance: Rodgers Insurance Agency Inc
6800 Holabird Ave a – Baltimore, MD 21222 – (410) 282-1379
Allstate Insurance: Kent Schwab
401 Jefferson Ave – Towson, MD 21286 – (410) 433-4700