In an ideal world, we could simply tell you the one company in Atlanta that has the cheapest rate quotes in Georgia. It’s not that easy, however, as there are a whole bunch of unknown factors like the amount of liability coverage you want, how far you drive each year, if you have points on your license, and the safety features built into your vehicle. This article will discuss the types of situations that result in high rates and will give you a good start to your coverage search.
The vehicle you are buying coverage for is a large factor when comparison shopping for affordable coverage for postal workers. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models.
The data below ranks insurance rates for some of the cheaper automobiles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,360|
|Honda CR-V LX 4WD||$1,492|
|Honda Accord EX 4-Dr Sedan||$1,497|
|Chevrolet Equinox LS 2WD||$1,610|
|Toyota RAV4 Sport 4WD||$1,618|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,642|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,660|
|Dodge Grand Caravan SE||$1,671|
|Ford Edge SE 2WD||$1,692|
|Chevrolet Impala LTZ||$1,700|
|Toyota Camry SE||$1,705|
|Nissan Altima Hybrid 4-Dr Sedan||$1,731|
|Ford Fusion SEL 4-Dr Sedan||$1,739|
|Chevrolet Malibu LTZ||$1,731|
|GMC Sierra SLT Crew Cab 2WD||$1,738|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,760|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can lower or raise premiums considerably.
Based on these rates, we can conclude that makes and models like the Ford Escape, Honda CR-V, and Honda Accord should be some of the most budget-friendly vehicles to insure for postal employees.
Locating affordable car insurance is difficult, and finding out which companies quote the best car insurance rates for postal workers calls for even more perseverance. Each auto insurance company has a different formula for setting rates, so let’s take a look at the most budget-friendly car insurance companies in Atlanta.
It’s important to know that Atlanta car insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply having another birthday, buying a home instead of renting, or getting a driving violation may cause policy rate changes resulting in some companies being cheaper than before.
Best Auto Insurance Prices for USPS Employees
Auto-Owners may offer some of the most affordable car insurance rates in Atlanta at around $855 each year. This is $674 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the lowest-priced Atlanta, GA auto insurance companies.
In this example, if you currently have a policy with The Hartford and switched to Auto-Owners, you may realize annual savings of in the neighborhood of $31. Georgia drivers with USAA might save as much as $143 a year, and Central Mutual insureds might lower prices by up to $350 a year.
Understand that those 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 car insurance company that has the cheapest price for you may not even be in the list above. That’s why you need to compare rates from multiple companies using your own individual information.
For postal employees, one of the more important criteria that determine the price you pay for insurance is where you choose to live. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with less crime or weather claims tend to receive slightly lower rates.
The illustration below rates the most expensive cities in Georgia for postal workers to purchase car insurance in. Atlanta makes the list at #2 with an annual rate of $1,405 for the average policy, which is approximately $117 monthly.
|Quote Best Rates Go|
Annual rates are comparative as the vehicle garaging location can modify prices considerably.
The example below highlights how deductible selection can change insurance costs when researching cheap insurance for postal workers. Data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could lower their car insurance rates by $372 a year by changing from a $100 deductible up to a $500 deductible, or save $564 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, can save up to $950 every year just by using higher deductibles. When choosing a higher deductible, it is a good idea to have emergency funds available to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to get discounts on Atlanta auto insurance rates
Auto insurance companies that offer coverage for postal workers may also give you premium discounts that may potentially lower prices by as much as 35% if you qualify. Larger car insurance companies and their possible discounts can be read below.
- Farm Bureau policyholders can earn discounts including safe driver, 55 and retired, good student, youthful driver, multi-vehicle, renewal discount, and multi-policy.
- MetLife has discounts for good student, claim-free, good driver, multi-policy, accident-free, defensive driver
- Progressive may offer discounts for good student, multi-policy, online quote discount, online signing, continuous coverage, multi-vehicle, and homeowner.
- AAA offers discounts including good student, pay-in-full, education and occupation, good driver, anti-theft, multi-car, and AAA membership discount.
- American Family discounts include multi-vehicle, early bird, Steer into Savings, defensive driver, mySafetyValet, and good student.
- GEICO includes discounts for multi-vehicle, anti-theft, multi-policy, driver training, military active duty, and federal employee.
- State Farm offers premium reductions for passive restraint, Drive Safe & Save, anti-theft, multiple policy, and multiple autos.
The illustration below illustrates the difference between premium costs with and without discounts applied to the premium. The data is based on a female driver, no accidents or driving violations, Georgia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, safe-driver, defensive driving course, claim-free, multiple vehicle, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for postal workers is 28% or $729.
If you have coverage questions and would like to get help from a professional when shopping around for cheaper insurance for postal workers, the agents listed below are a good start to answer your questions and help you decide which policy fits your needs best.
To locate an agency closest to you, click the link after the list.
Jared Mula – State Farm Insurance Agent
3220 Cobb Pkwy SE #202 – Atlanta, GA 30339 – (770) 874-3325
White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390
Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000
Rob Hill – State Farm Insurance Agent
2800 Shallowford Rd NE, Ste A-B – Atlanta, GA 30341 – (678) 791-7132
How to find the cheapest car insurance for postal workers
It is possible to find better rates, and here are some of the better money-saving solutions that can help drivers locate cheaper coverage.
- Drive vehicles with five-star safety ratings
- Serious violations like DUI or reckless driving can increase rates dramatically
- Too many claims can make car insurance unaffordable
- Prevent price hikes by avoiding at-fault accidents
- Save money by bundling your home and auto policies
- Shop around for cheaper rates regularly
The last idea is remarkably critical, as was discussed in the prior article. Insurance prices adjust frequently, so drivers shouldn’t be reluctant to switch to a new company if you find a cheaper price.
Having a favorite company is great, but it isn’t a good idea if that loyalty ends up costing a considerable chunk of change every month. In just a few minutes you could compare prices and find cheaper insurance for postal workers in Atlanta.