The make and model of vehicle you are trying to insure is probably the most important factor that determines whether or not you can buy low-cost car insurance for postal workers. Vehicles with higher performance characteristics, poor safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The next table presents coverage costs for a selection of the more affordable automobiles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,085|
|Honda CR-V EX-L 4WD||$1,108|
|Dodge Grand Caravan CV||$1,215|
|Hyundai Elantra GLS Touring Station Wagon||$1,241|
|Honda Accord LX 4-Dr Sedan||$1,247|
|Ford Fusion S 4-Dr Sedan||$1,283|
|Ford F-150 Lariat Super Cab 4WD||$1,309|
|Honda Odyssey EX-L W/Navigation||$1,350|
|Ford Edge Sport AWD||$1,358|
|Toyota Corolla XRS||$1,376|
|Nissan Rogue S 2WD||$1,382|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$1,423|
|Ford Focus SE 4-Dr Sedan||$1,444|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,498|
|GMC Sierra 2500HD SLE Crew Cab 2WD||$1,534|
|Jeep Grand Cherokee Limited 4WD||$1,574|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can change prices substantially.
Looking at the numbers, you can see that models like the Ford Escape, Honda CR-V, Toyota Prius, Dodge Grand Caravan, and Hyundai Elantra are going to be some of the cheaper vehicles to insure for postal employees.
One of the more important components that are used to help calculate insurance cost is where you normally keep your vehicle in Stockton. More densely populated places likely pay more, whereas less populated areas can boast about having cheaper rates.
The following table ranks the most expensive places in California for postal workers to buy auto insurance in. Stockton makes the list at #10 with a yearly premium of $1,556 on average, which is approximately $130 each month.
|Rank||City||Premium Per Year|
|Find the Best Rates Go|
Premium costs are comparative as specific Stockton zip code can revise auto insurance rates significantly.
Selecting a highly-rated car insurance company can be rather challenging considering how many choices drivers have in Stockton. The rank data shown below could help you decide which auto insurance companies you want to consider comparing rate quotes with.
These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies will not be included in this list. If you wish to compare prices from many more California auto insurance companies, just click here.
Top 10 Major Auto Insurers in Stockton Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurers Overall in Stockton
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Get discount Stockton auto insurance rates
Insurance providers that offer cheap quotes for postal workers may also give you policy discounts that may potentially lower prices by as much as 35% if you can meet the requirements. Popular car insurance companies and some of the discounts include:
- GEICO may offer discounts for anti-theft, multi-policy, membership and employees, defensive driver, anti-lock brakes, good student, and emergency military deployment.
- Travelers offers discounts for payment discounts, driver training, early quote, good student, and multi-policy.
- Nationwide offers premium reductions for accident-free, good student, family plan, defensive driving, anti-theft, business or organization, and multi-policy.
- Farmers Insurance includes discounts for early shopping, good student, mature driver, bundle discounts, alternative fuel, and switch companies.
- Esurance offers discounts including online quote, anti-lock brakes, good student, defensive driver, and good driver.
- State Farm may include discounts for student away at school, multiple autos, good student, driver’s education, multiple policy, anti-theft, and good driver.
- Progressive has discounts for continuous coverage, homeowner, online quote discount, multi-vehicle, multi-policy, and online signing.
- Mercury Insurance has savings for multi-policy, good student, ease of repair, multi-car, and good driver.
The example below compares auto insurance rates with and without discounts applied to the premium. The data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, passive restraint, defensive driving course, homeowner, accident-free, and anti-theft discounts applied. When discounts are factored in, the average savings per year on car insurance for postal workers is 28% or $608.
The diagram below demonstrates how choosing different deductibles can increase or decrease insurance costs when searching for cheap insurance for postal workers. The information is based on a married female driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could reduce rates by $476 a year by increasing from a $100 deductible to a $500 deductible, or save $712 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates $1,008 or more by selecting a higher deductible. If you make the decision to raise deductibles, it will be required to have additional funds in a savings account to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find economical car insurance for postal workers
It is possible to find better rates, and here are many penny-pinching solutions that can help Stockton drivers locate cheaper coverage.
- Maintaining good credit helps earn cheaper rates
- Serious violations like DUI or reckless driving can increase rates dramatically
- Maintain a safe distance and avoid accidents
- Drive a car with a high safety rating
- Raise physical damage deductibles
- Don’t waste money on full coverage for older vehicles
- Comparison shop at least every other year
The last item on the list is extraordinarily important, as was pointed out in the article above. Prices charged by companies in Stockton can be modified anytime, so drivers shouldn’t be resistant to buy from a different company if a better deal can be had.
Having a favorite company is fine, but we do not recommend it if that faithfulness ends up costing you hundreds every year. Take a few minutes and compare rates and find cheaper insurance for postal workers.
If you would rather have some advice when shopping around for cheaper insurance for postal workers, the insurance agencies below can most likely aid you in deciding which coverages are best.
To find an auto insurance agency in your neighborhood, click the button at the bottom of the list or click here to compare price quotes now.
Protection Providers Insurance Agency
304 W Harding Way – Stockton, CA 95204 – (209) 466-1072
George Azevedo Jr – State Farm Insurance Agent
718 Lincoln Center – Stockton, CA 95207 – (209) 474-3285
Kim Martinez – State Farm Insurance Agent
4255 Pacific Ave #5 – Stockton, CA 95207 – (209) 478-4010
State Farm: Don Guzman
4719 Quail Lakes Dr f – Stockton, CA 95207 – (209) 473-9401