You have most likely watched the catchy advertisements from car insurance companies like Nationwide and State Farm that make promises of enormous savings, so you should just pick the one with the catchiest commercial, right?
Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects such as your gender, if you currently have coverage, and if you are married or single, that all have an effect on the price of a policy. If you keep reading, we will teach you about these types of topics and should give you a good beginning to your quest for cheaper car insurance.
For postal employees, one of the more important factors that are used to help calculate the price you pay for insurance is where you live. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The next table rates the highest-priced areas in Florida for postal workers to purchase car insurance in. Jacksonville is ranked #19 with a yearly cost of $1,960 for the average policy, which is around $163 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $3,043 |
| 5 | Tampa | $2,636 |
| 6 | Miramar | $2,629 |
| 7 | West Palm Beach | $2,625 |
| 8 | Hollywood | $2,552 |
| 9 | Pompano Beach | $2,543 |
| 10 | Pembroke Pines | $2,505 |
| 11 | Fort Lauderdale | $2,500 |
| 12 | Coral Springs | $2,474 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,322 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,219 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,008 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,935 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,845 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,784 |
| 25 | Gainesville | $1,630 |
| Find Cheaper Rates Go | ||
Rates are comparative as the vehicle garaging location can change price quotes significantly.
Finding cheap car insurance is hard enough, and deciding which insurers offer the lowest-priced auto insurance rates for postal workers calls for even more diligence. Each insurance company uses slightly different criteria to determine premium rates, so let’s take a look at the most affordable auto insurance companies in Jacksonville.
It’s important to know that Florida auto insurance rates are determined by lots of factors that will increase or decrease the price of your policy. Events such as a birthday, buying a home instead of renting, or having an at-fault accident may cause policy rate changes that can cause some rates to be way too expensive in comparison to the competition.
Best Insurance Companies for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,847 |
| 5 | Allied | $1,926 |
| 6 | Travelers | $1,945 |
| 7 | Mercury | $1,973 |
| 8 | Esurance | $2,020 |
| 9 | GEICO | $2,108 |
| 10 | State Farm | $2,110 |
| 11 | Auto-Owners | $2,149 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,987 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Infinity | $4,045 |
| Quote Your Rates Go | ||
USAA may have some of the most affordable car insurance rates in Jacksonville at around $957 annually. Amica, Electric, Progressive, and Allied would also make the list of some of the cheapest Jacksonville, FL insurance companies.
As illustrated above, if you are insured with Progressive and switched to Amica, you could realize an annual savings of in the vicinity of $153. Customers with Allied could save as much as $232 a year, and Travelers insureds might see rate reductions of $251 a year.
Understand that those rates are averaged across all drivers and vehicles and do not take into consideration an exact vehicle garaging location for postal workers. So the auto insurance company that fits your situation best may not even be in the top 21 companies shown above. That emphasizes why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
The vehicle to be insured is one of the largest factors when shopping around for cheap coverage for postal workers. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than more modest models.
The information below illustrates insurance costs for the more affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,316 |
| Honda CR-V EX 2WD | $1,324 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,328 |
| Ford Explorer XLT AWD | $1,356 |
| Ford F-150 XL Crew Cab 4WD | $1,383 |
| Ford Escape Limited 2WD | $1,403 |
| Chevrolet Equinox LT 2WD | $1,433 |
| GMC Sierra SLE Crew Cab 2WD | $1,440 |
| Chevrolet Impala LT | $1,433 |
| Honda Odyssey LX | $1,450 |
| Chevrolet Malibu LT | $1,460 |
| Toyota Prius | $1,472 |
| Toyota Corolla XLE | $1,509 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,559 |
| Toyota RAV4 Limited 2WD | $1,569 |
| Start Your Quote Go | |
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in vehicle location which can increase or decrease insurance rates noticeably.
Based on these rates, cars like the Hyundai Elantra, Honda CR-V, Chevrolet Silverado, and Ford Explorer will be some of the cheaper vehicles to insure for postal employees.
The diagram below shows how different deductible levels can affect insurance rates when searching for cheap insurance for postal workers. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could cut expenses by $292 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $440 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, can cut as much as $966 or more just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense associated with higher deductibles.
Ending up with the highest-rated company can be challenging considering how many choices you have in Jacksonville. The information listed below can help you pick which car insurance providers you want to consider when trying to find the cheapest insurance for postal workers. These rankings are only comprised of large, nationwide insurance companies, so companies without a large exposure are not included in the list.
Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
The benefits of price comparisons
Jacksonville auto insurance rates are calculated based on many things that control the cost of your policy. Simply getting older, buying a different vehicle, or having an at-fault accident can produce rate changes that can cause some rates to be cheaper than competitors. Not only may your risk profile change, but insurers modify pricing at least once a year to help ensure profitability. An unexpected high level of claims can cause increased rates, while lower claims may result in more affordable Jacksonville car insurance rates.
The bar chart below shows the cheapest car insurance in Jacksonville, FL for a 40-year-old male driver with a good driving record, no prior claims, and good credit. When comparing rates based on his personal profile, USAA might quote the most affordable car insurance rates in Jacksonville at $1,174 per year. This is $1,274 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also included in the best Jacksonville, FL auto insurance companies.
The next chart shows rates after we give the driver in the first chart a claim, a little lower credit rating, and a few blemishes on his driving record. Since each insurance company has their own guidelines to determine rates, comparing quotes may now present a completely different list of cheap Jacksonville auto insurance companies as shown below.
USAA now has the cheapest rate in Jacksonville with Mercury, Esurance, State Farm, and GEICO now rounding out the top five. This shows why Florida drivers need to compare lots of rates to find the cheapest car insurance quotes for postal workers.
Auto insurance prices are made up of many things and can change substantially, so the most economical company the last time you checked may now be one of the higher cost companies.