This would be a quick read if we could simply tell you the one company in Virginia that has the best auto insurance prices in Virginia. It’s not quite that easy, unfortunately, as there are a whole bunch of unknown aspects such as any tickets or violations, if you are a man or woman, and the amount of coverage you want. We are going to cover the best ways to maintain low rates and will hopefully give the reader a good beginning to your search for cheaper coverage.
Trying to find affordable insurance is confusing at best, and figuring out which companies offer the lowest-priced car insurance rates for postal workers involves a bit more work.
Every insurance provider has a unique approach to determine premium rates, so first we will examine the lowest cost car insurance companies in Virginia Beach. It’s a good idea to be aware that Virginia Beach, VA car insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. This price variation is why it is important to do a thorough rate comparison to find the best auto insurance rates for postal workers. Prices are determined by many factors and change dramatically, so the most economical company the last time you shopped around may now be one of the higher cost companies.
Find Cheaper Auto Insurance for USPS Employees
Travelers generally has some of the most affordable car insurance rates in Virginia Beach at around $673 a year. This is $485 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Utica National, and Auto-Owners are also some of the cheapest Virginia Beach, VA insurance companies.
As shown in the rates above, if you currently have a policy with USAA and switched to Travelers, you might see yearly savings of upwards of $36. Customers with Penn National could save as much as $45 a year, and Utica National insureds might see rate reductions of $85 a year.
To find the cheapest rates for your vehicle, click here or visit any of the low-priced companies below.
Be aware that those estimates are averaged for all types of insureds and vehicles and are not factoring in a vehicle location for postal workers. So the insurer that fits you best may not even be in the top 30 companies shown above. That emphasizes why you need to get auto insurance quotes using your own specific driver and vehicle information.
The type of vehicle driven is one of the largest considerations when comparing quotes for the best car insurance for postal workers. Vehicles with high performance engines, a lack of advanced safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.
The information below estimates car insurance rates for the more affordable automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,092 |
| Honda Accord EX-L 4-Dr Sedan | $1,158 |
| Ford Escape Limited 4WD | $1,166 |
| Chevrolet Impala LS | $1,240 |
| Honda Odyssey EX | $1,246 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,308 |
| Toyota Corolla LE | $1,334 |
| Toyota Camry SE | $1,341 |
| Toyota Prius | $1,357 |
| Jeep Grand Cherokee Limited 2WD | $1,362 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,359 |
| Nissan Rogue S AWD | $1,368 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,406 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can alter premium rates considerably.
Looking at the rates, vehicles like the Honda CR-V, Honda Accord, Ford Escape, and Chevrolet Impala will definitely be the more affordable vehicles to insure for postal employees.
One of the more important things that determine the price you pay for insurance is where you keep your vehicle. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The information below sorts the most costly cities in Virginia for postal workers in which to buy car insurance. Virginia Beach makes the list at #15 with the annual price of $938 on average, which is approximately $78 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Alexandria | $1,047 |
| 2 | Lake Ridge | $1,042 |
| 3 | Dale City | $1,038 |
| 4 | Burke | $1,037 |
| 5 | Centreville | $1,027 |
| 6 | McLean | $1,025 |
| 7 | Richmond | $1,015 |
| 8 | Reston | $992 |
| 9 | Norfolk | $990 |
| 10 | Arlington | $983 |
| 11 | Newport News | $948 |
| 12 | Hampton | $943 |
| 13 | Portsmouth | $943 |
| 14 | Tuckahoe | $939 |
| 15 | Virginia Beach | $938 |
| 16 | Suffolk | $937 |
| 17 | Chesapeake | $935 |
| 18 | Leesburg | $931 |
| 19 | Ashburn | $929 |
| 20 | Danville | $922 |
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Annual rates are comparative as the specific geographic location can raise or lower premiums substantially.
The illustration below shows how choosing a deductible can affect annual premium costs when getting quotes for cheap insurance for postal workers. The data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $294 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $444 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could lower their rates $976 each year just by using higher deductibles. When choosing a higher deductible, it is essential to have enough savings set aside to be able to pay the extra out-of-pocket expense associated with higher deductibles.
Get discount Virginia Beach car insurance rates
Insurance companies that sell policies for postal workers may also give you price discounts that could lower prices by 25% or more if you meet specific criteria. The best car insurance companies and some of the discounts include:
- Mercury Insurance offers premium reductions for good driver, type of vehicle, multi-policy, anti-theft, good student, low natural disaster claims, and annual mileage.
- Farmers Insurance has savings for distant student, good student, electronic funds transfer, business and professional, alternative fuel, homeowner, and pay in full.
- Farm Bureau policyholders can earn discounts including renewal discount, good student, multi-policy, multi-vehicle, driver training, 55 and retired, and youthful driver.
- State Farm discounts include good driver, accident-free, Steer Clear safe driver discount, driver’s education, safe vehicle, and multiple autos.
- Allstate includes discounts for defensive driver, 55 and retired, utility vehicle, early signing, economy car, and farm vehicle.
- GEICO offers discounts for five-year accident-free, air bags, anti-lock brakes, multi-policy, multi-vehicle, defensive driver, and seat belt use.
The chart below shows the comparison of insurance rates with and without some available policy discounts. The rate quotes are based on a male driver, no claims or driving citations, Virginia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, homeowner, defensive driving course, multiple policy, accident-free, and claim-free discounts applied. With discounts applied, theaverage yearly reduction on car insurance for postal workers is 28% or $336.
How to find budget-friendly insurance for postal workers
Below you’ll find some of the recommended penny-pinching suggestions that can help Virginia drivers get cheaper auto insurance.
- On older vehicles, drop full coverage
- Vehicles with good safety ratings are usually cheaper to insure
- Higher comprehensive and collision coverage deductibles will save money
- Good credit can help you save money
- Drive safely
- Avoid preventable accidents
- Compare rate quotes often
The last tip is extraordinarily crucial, as we stressed in the article above. Coverage rates adjust often, so don’t be unwilling to buy a different policy if a cheaper price is available.
Brand loyalty is great, but it’s not recommended if that devotion results in you overpaying major coinage every year. If you have a few minutes, shop around and find cheaper insurance for postal workers in Virginia Beach.