Who Has Affordable Car Insurance Quotes for Postal Workers in Phoenix?

It’s hard to miss the commercials from car insurance companies like Progressive and Liberty Mutual that make claims of big savings. So drivers should just choose the one with the best commercial, right?

It’s not that easy, however, as there are a whole bunch of unknown elements such as the number of miles you drive in a year, any driving violations you may have, if you have a spouse, and the area you live in, that all impact the cost of your policy. This article will detail the things that cause high insurance rates and educate you enough to have a good start in finding the cheapest insurance.

For postal employees, one of the more important criteria that are looked at to determine the amount you pay for auto insurance is your zip code. More densely populated places are more likely to have higher rates, whereas areas with less people or fewer weather incidents receive better rates.

The illustration below shows the most expensive places in Arizona for postal workers to buy car insurance in. Phoenix makes the list at #1 with the annual price of $1,255 for coverage, which is around $105 per month.

How much does car insurance cost in Phoenix, AZ?
Rank City Annual Premium
1 Phoenix $1,255
2 Avondale $1,210
3 San Tan Valley $1,196
4 Glendale $1,178
5 Scottsdale $1,163
6 Mesa $1,147
7 Peoria $1,126
8 Tempe $1,118
9 Buckeye $1,110
10 Gilbert $1,108
11 Maricopa $1,107
12 Goodyear $1,098
13 Chandler $1,093
14 Tucson $1,072
15 Oro Valley $1,062
16 Surprise $1,058
17 Casa Grande $1,057
18 Catalina Foothills $1,050
19 Casas Adobes $1,040
20 Flagstaff $969
21 Yuma $963
22 Prescott $924
23 Sierra Vista $899
24 Bullhead City $878
25 Lake Havasu City $852
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Annual rates are approximated as specific location information can impact auto insurance rates considerably.

Locating budget car insurance is not the easiest thing to do, and figuring out which companies have the lowest-priced auto insurance rates for postal workers will take a bit more work.

Each insurer has a unique approach for determining rates in each state, so we’ll take a look at the most competitive auto insurance companies in Phoenix. It’s a good idea to know that Phoenix auto insurance rates are calculated based on many things which can substantially change the price you pay. This price fluctuation is why it is so important to perform a complete rate comparison when trying to get the most affordable auto insurance rates for postal workers. Insurance prices are determined by many factors and change substantially, so the cheapest company a year ago may now be quite expensive.

Best Auto Insurance Prices for USPS Employees

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The Hartford normally has some of the cheapest car insurance rates in Phoenix at around $820 annually. This is $608 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the cheaper Phoenix, AZ car insurance companies.

As shown in the rates above, if you currently buy coverage from Travelers and switched to Auto-Owners, you could realize yearly savings of in the neighborhood of $178. Insureds with USAA may save as much as $216 a year, and Progressive policyholders might see rate reductions of $221 a year.

It’s important to note that these premium estimates are averaged for all ages of drivers and types of vehicles and are not factoring in a specific zip code for postal workers. So the auto insurance company that has the cheapest rates for you may not even be in the top 28 companies in the list above. That’s why you need to quote rates from many companies using your own individual information.

Insuring your vehicle with the top auto insurance provider can be a challenge considering how many different companies there are to choose from in Arizona. The ranking data shown next may help you choose which car insurance companies to look at shopping your coverage with.

These rankings only include companies that insure vehicles across America, so companies that only write business in Arizona or surrounding areas are not factored into these rankings. To compare rates from the most competitive companies in Arizona, click this link.

Phoenix, AZ Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Get discount Phoenix insurance

Discounts on auto insurance for postal workersInsurers that offer coverage for postal workers may also give you policy discounts that can reduce rates by 25% or more if you are eligible for them. Larger auto insurance companies and their possible discounts can be read below.

The illustration below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, anti-theft, homeowner, safe-driver, marriage, and accident-free discounts applied. In this example, theaverage amount saved on auto insurance for postal workers is 28% or $471.

The benefit of shopping around

Phoenix auto insurance rates are based on many factors which can substantially change the price of your policy. Improving your credit rating, buying a home instead of renting, or getting a couple of tickets may cause policy rate changes resulting in some companies being cheaper than before. Not only may things change on your end, but car insurance companies change the rates they charge in Arizona without warning in order to remain profitable. Heavier than normal losses may cause rate increases, while lower claims can produce cheaper Phoenix car insurance rates.

For instance, the graph below shows rates for the cheapest car insurance in Phoenix, AZ for a 45-year-old female driver with no accidents or violations, and good financial standing. If we look at prices based on her current rating profile, The Hartford might offer the lowest car insurance rates in Phoenix at $1,192 annually. This is $236 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the cheapest Phoenix, AZ auto insurance companies.

Now we will pretend the driver from the first set of rates a claim surcharge, a lower credit rating, and a few blemishes on her driving record. Due to the fact that each insurance company has their own formula to set their prices, comparing insurance quotes may now present a different set of the cheapest Phoenix car insurance companies as shown below.

GEICO now has the cheapest car insurance in Phoenix with Ameriprise Group, CSAA, Allied, and Safe Auto now being in the top five. This example demonstrates why consumers need to take the time to compare rates when trying to find the lowest auto insurance quotes for postal workers. Insurance prices consist of many risk factors and can increase or decrease at any time, so the most economical company the last time you compared rates may now be wasting a lot of money.

How to find economical auto insurance for postal workers

It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help you get cheap car insurance.

The last idea is notably valuable, as we pointed out in the prior information. Auto insurance rates change a lot, so don’t be unwilling to switch to a new company if a better rate can be found. Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you a lot of money every month. It only takes a couple minutes to compare prices and find cheaper car insurance for postal workers in Phoenix.