This would be a really short article if we could just give you the name of the company that has the best auto insurance prices in Arizona. It’s just not that simple, as there are a whole bunch of unknowns such as how many years you have been driving, whether you just need liability insurance, and what liability limits you need, that all have an effect on the price of a policy. The information below covers the different scenarios that increase car insurance cost and also should give you some help in finding cheaper rates.
Locating cheap car insurance is not always easy, and determining which companies quote the most affordable insurance rates for postal workers will require even more shopping around.
Every insurance company uses slightly different criteria to set policy rates, so to begin we’ll rank the insurance companies with the most affordable rates in Chandler, AZ. Keep in mind that Chandler, AZ insurance rates are influenced by many factors that may substantially change the cost of having a policy. Simply improving your credit score, getting married, or getting caught speeding can cause premium changes that can cause some rates to be more affordable than others.
Cheap Insurance Rates for USPS Employees
The Hartford may have some of the cheapest car insurance rates in Chandler at around $811 per year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive also qualify as some of the best Chandler, AZ insurance companies.
As shown in the rates above, if you currently have coverage with Safeco and switched to The Hartford, you may realize an annual savings of in the neighborhood of $94. Customers with Travelers might save as much as $275 a year, and Progressive customers might realize rate reductions of up to $307 a year.
Understand that those policy rates are averaged for all ages of drivers and types of vehicles and are not factoring in a vehicle location for postal workers. So the car insurance company that can offer you the best price may not even be in the top 28 companies shown above. That illustrates why you need to get rate quotes from many companies using your own driver and vehicle profiles.
The vehicle to be insured is one of the largest considerations that determines if you can find the most affordable insurance for postal workers. Vehicles with high performance engines, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models.
The next table presents car insurance costs for some of the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,495 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,513 |
| Ford Escape XLS 2WD | $1,523 |
| Honda Accord LX 4-Dr Sedan | $1,529 |
| Hyundai Elantra GLS Touring Station Wagon | $1,523 |
| Honda CR-V EX 4WD | $1,563 |
| Toyota RAV4 2WD | $1,599 |
| Chevrolet Malibu Hybrid | $1,604 |
| Honda Odyssey LX | $1,618 |
| Dodge Ram Quad Cab ST 2WD | $1,628 |
| Chevrolet Impala LTZ | $1,683 |
| Honda Civic Hybrid 4-Dr Sedan | $1,712 |
| GMC Sierra SLE Crew Cab 4WD | $1,722 |
| Toyota Tacoma 4WD | $1,714 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,721 |
| Ford Focus SE 4-Dr Sedan | $1,714 |
| Dodge Grand Caravan Crew | $1,782 |
| Chevrolet Equinox LS 2WD | $1,798 |
| Kia Optima SX | $1,827 |
| Ford Explorer Eddie Bauer 4WD | $1,837 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in Chandler, AZ location which can increase or decrease rates substantially.
By looking at the data, we can tell that makes and models like the Toyota Prius, Jeep Wrangler, and Ford Escape are most likely to be a few of the most economical vehicles to insure for postal employees.
For postal employees, one of the big considerations that determine the annual cost of car insurance is where you call home. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with less congestion benefit from lower coverage costs.
The illustration below shows the priciest cities in Arizona for postal workers to buy an auto insurance policy in. Chandler ranks #10 with an annual premium of $1,115 on average, which is around $93 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,178 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Mesa | $1,159 |
| 7 | Goodyear | $1,131 |
| 8 | Tempe | $1,118 |
| 9 | Maricopa | $1,118 |
| 10 | Chandler | $1,115 |
| 11 | Buckeye | $1,110 |
| 12 | Gilbert | $1,108 |
| 13 | Tucson | $1,105 |
| 14 | Peoria | $1,104 |
| 15 | Surprise | $1,090 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Casas Adobes | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $844 |
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Information shown are estimated as specific location information can revise prices substantially.
Rate increases following a ticket or accident
The obvious way to find cheap insurance rates in Chandler for postal employees is to be a good driver and avoid accidents and traffic violations. The illustration below shows how traffic citations and at-fault collisions can increase insurance premiums for different age categories. The information is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of an auto insurance policy in Arizona per year with no accidents and a clean driving record is $1,350. Receive two speeding tickets and the average cost hikes up to $1,803, an increase of $453 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of insurance for postal workers jumps again to an average of $2,257. That’s an increase of $907, or $76 per month, just for not being more responsible behind the wheel!
The chart below highlights how deductible choice can impact insurance rates when getting quotes for cheap insurance for postal workers. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could pocket $206 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $310 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could shave $508 or more by choosing a larger deductible amount.
If you do make the decision to raise your deductibles, it is important to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Should you buy full coverage?
Reducing premiums for insurance is probably important to most vehicle owners, and one common way to reduce the cost of insurance for postal workers is to only buy liability insurance. The information below shows the difference between insurance costs with liability coverage only compared to full coverage. The costs are based on no claims or driving citations, $250 deductibles, marital status is single, and no policy discounts are applied.
As an overall average, physical damage coverage costs $1,579 per year over and above liability coverage. At some point, every insured wonders when is the right time to remove full coverage. There is no set guideline for phasing out physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your vehicle’s replacement value is $7,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,500 after paying your policy deductible. If premium cost is more than $650 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some situations where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
How to find cheaper car insurance for postal workers
The list below shows some of the better thrifty suggestions that can help Arizona drivers get more affordable coverage.
- Prevent price hikes by avoiding at-fault accidents
- Ensure your driving record is clean
- Increase your comprehensive and collision deductibles
- Discounts for being claim-free can be substantial
- Full coverage is expensive so only insure older vehicles for liability only
- Keep rates low by shopping around frequently
That final tip is notably important, as was stressed in the article above. Insurance rates in Chandler fluctuate constantly, so don’t be afraid to buy a different policy if you can find a cheaper rate.
Staying with the same car insurance company is fine, but it’s not a good idea if that faithfulness ends up costing you several hundred dollars every year. It only take a few minutes to compare rates to find cheaper car insurance for postal workers.
If you aren’t clear which coverage you need and would like to have a consultation when buying car insurance for postal employees, the agents below are willing to help you decide which insurance coverage you need.
To find a Chandler insurance agent close to you, click the button below the list or click here to compare price quotes.
- Sunvalley Insurance (Agency)
4960 S Gilbert Rd #1 – Chandler, AZ 85249 – (480) 626-7218 - Legacy Insurance and Investment Group LLC
633 E Ray Rd #106 – Chandler, AZ 85225 – (480) 968-3655 - Farmers Insurance: John D Donadio Insurance Agency
1727 N Arizona Ave #9 – Chandler, AZ 85225 – (480) 382-1570