The type of vehicle requiring insurance is one of the largest considerations when consumers are trying to find the lowest-priced coverage for postal workers. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The next table estimates coverage costs for a handful of the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,179 |
| Ford Edge SE 2WD | $1,294 |
| Toyota Prius | $1,307 |
| Toyota Tacoma 4WD | $1,321 |
| Ford Explorer XLT 4WD | $1,328 |
| Chevrolet Impala LS | $1,368 |
| Volkswagen Jetta S 4-Dr Sedan | $1,395 |
| Ford Fusion S 4-Dr Sedan | $1,404 |
| Dodge Ram Quad Cab ST 2WD | $1,419 |
| Hyundai Elantra SE Touring Station Wagon | $1,436 |
| Ford Escape Limited 4WD | $1,444 |
| Nissan Rogue SL 2WD | $1,493 |
| Dodge Grand Caravan SE | $1,500 |
| Start a Quote Go | |
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can impact rates greatly.
Based upon the rates shown, you can see that cars like the Honda CR-V, Ford Edge, Toyota Prius, Toyota Tacoma, and Ford Explorer should be the cheaper vehicles to insure for postal employees.
One of the many criteria that are looked at to determine the cost of insurance is where you choose to live in Charlotte. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.
The following table ranks the highest-priced areas in North Carolina for postal workers to buy auto insurance in. Charlotte is ranked #3 with a yearly premium of $808 for the average insurance policy, which is about $67 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Fayetteville | $932 |
| 2 | Jacksonville | $891 |
| 3 | Charlotte | $808 |
| 4 | Gastonia | $803 |
| 5 | Greensboro | $786 |
| 6 | Durham | $765 |
| 7 | Wilmington | $765 |
| 8 | Goldsboro | $758 |
| 9 | Indian Trail | $753 |
| 10 | Apex | $747 |
| 11 | Raleigh | $744 |
| 12 | Cary | $742 |
| 13 | Hickory | $740 |
| 14 | Greenville | $738 |
| 15 | Huntersville | $734 |
| 16 | Rocky Mount | $726 |
| 17 | Wilson | $724 |
| 18 | High Point | $723 |
| 19 | Chapel Hill | $717 |
| 20 | Winston Salem | $716 |
| Start a Quote Go | ||
Price information shown is estimated as specific location information can affect rates noticeably.
Finding affordable insurance is hard enough, and figuring out which companies have the cheapest car insurance rates for postal workers may require even more shopping around.
Every auto insurer uses slightly different criteria for setting rates, so we need to take a look at the car insurance companies that tend to have lower prices in North Carolina. It’s important that readers know that Charlotte, NC car insurance rates are determined by lots of factors that can increase the cost of your policy. This price variation is why consumers need to take the time to shop around when trying to get the most affordable auto insurance quotes for postal workers. Rates are determined by many factors and change dramatically, so the best option three years ago may now not even be in the top five.
Best Auto Insurance Prices for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $636 |
| 2 | Progressive | $658 |
| 3 | NC Farm Bureau | $716 |
| 4 | Liberty Mutual | $721 |
| 5 | Titan | $737 |
| 6 | Penn National | $747 |
| 7 | GEICO | $750 |
| 8 | State Farm | $772 |
| 9 | Auto-Owners | $852 |
| 10 | National General | $890 |
| 11 | Erie | $922 |
| 12 | Travelers | $927 |
| 13 | Allied | $928 |
| 14 | Peerless | $1,002 |
| 15 | MetLife | $1,007 |
| 16 | Nationwide | $1,011 |
| 17 | Unitrin | $1,032 |
| 18 | Safeco | $1,034 |
| 19 | Encompass | $1,063 |
| 20 | Allstate | $1,097 |
| Find Cheaper Rates Go | ||
Utica National quotes some of the best car insurance rates in Charlotte at around $636 a year. This is $236 less than the average price paid by North Carolina drivers of $872. Progressive, NC Farm Bureau, Liberty Mutual, and Titan would also be considered some of the most economical Charlotte, NC insurance companies.
As the example above demonstrates, if you are currently insured with Liberty Mutual and switched to Progressive, you might see a yearly price reduction of in the neighborhood of $63. North Carolina drivers with Titan could save as much as $79 a year, and Penn National customers might see rate reductions of $89 a year.
Remember that these estimates are averages for all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for postal workers. So the car insurance company that is best suited for you may not even be in the top 20 companies in the list above. That underscores the importance of why you need to get quotes using your own individual information.
Rate increases following a ticket or accident
The easiest method to score the most affordable car insurance premiums in North Carolina for postal employees is to be a safe driver and not receive tickets or have accidents. The illustration below highlights how traffic violations and accidents drive up annual premium costs for different age categories. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of car insurance per year with no accidents and a clean driving record is $1,573. Get written up for one speeding ticket and the average cost hikes up to $1,774, an increase of $201 each year. Next add two accidents along with the one speeding ticket and the yearly cost of car insurance for postal workers increases to an average of $3,584. That’s an increase of $2,012, or $168 per month, just for not driving safely!
How to get discounts on Charlotte auto insurance
Auto insurance companies that provide coverage for postal workers may also offer premium discounts that could reduce prices by as much as 30% if you meet specific criteria. A list of companies and a partial list of their discounts can be read below.
- State Farm offers discounts including good student, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, and anti-theft.
- Progressive may include discounts for online quote discount, multi-policy, online signing, good student, and multi-vehicle.
- Travelers discounts include early quote, save driver, driver training, new car, and continuous insurance.
- American Family offers premium reductions for multi-vehicle, bundled insurance, air bags, Steer into Savings, early bird, good driver, and TimeAway discount.
- Liberty Mutual offers discounts for newly married, exclusive group savings, good student, teen driver discount, and hybrid vehicle.
The information below compares premium costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, defensive driving course, multiple vehicle, marriage, claim-free, and safe-driver discounts applied. When discounts are factored in, the average amount saved each year on car insurance for postal workers is 28% or $278.
The information below highlights how deductible selection can raise or lower premium costs when searching for cheap insurance for postal workers. The premiums are based on a single female driver, comp and collision included, and no additional discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $226 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $340 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could lower their rates $502 every year by using a higher deductible.
If you make the decision to raise deductibles, it is important to have enough savings set aside to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
The insurance agencies listed below can most likely answer your questions and help you decide which car insurance policy is best, as some people prefer to have the advice of a professional agent when shopping for cheaper insurance for postal employees. It can be complicated to find the cheapest rates, and insurance agents licensed in the state of North Carolina can give satisfaction knowing you have adequate protection in case of an accident or claim.
To locate a Charlotte auto insurance agent near you, click the link at the bottom.
Johnson Insurance Management, LLC
3220 Wilkinson Boulevard Ste A3 – Charlotte, NC 28208 – (704) 394-7327
Nationwide Insurance: Timothy G Hausmann Agency
2313 Randolph Rd – Charlotte, NC 28207 – (704) 332-0011
RJR Insurance
7810 Ballantyne Commons Pkwy # 300 – Charlotte, NC 28277 – (704) 543-2700
GEICO Insurance Agent
4651 South Blvd Suite B – Charlotte, NC 28209 – (704) 523-2886
Gary Kochman – State Farm Insurance Agent
9539 Idlewild Rd – Charlotte, NC 28227 – (704) 545-4422
More Charlotte, NC insurance agents
How to find low-cost auto insurance for postal workers
Below you’ll find a few thrifty suggestions that can help Charlotte drivers get cheaper auto insurance.
- Higher deductibles save money
- Buy vehicles with five-star safety ratings
- Earn discounts for being claim-free
- Older vehicles may not need full coverage
- Buy your auto and home insurance from the same company and save
- Drivers with good credit often pay less
- Ensure you have the best deal by shopping around regularly
The final tip is highly crucial, as was affirmed in this article. Car insurance rates can change considerably based on profitability, so drivers shouldn’t be reluctant to buy a different policy if you find a cheaper price.
Having brand loyalty is commendable, but we do not recommend it if that loyalty results in overpaying hundreds every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for postal workers in Charlotte.