Finding dependable, affordable car insurance is confusing at best, and figuring out which insurers offer the cheapest insurance rates for postal workers will require even more work.
Each insurer uses different criteria to determine premium rates, so let’s take a look at the overall cheapest insurance companies in Fort Worth.
Best Auto Insurance Prices for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,382 |
| 7 | Mercury | $1,506 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,553 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,241 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,594 |
| View More Rates Go | ||
Travelers offers some of the most affordable car insurance rates in Fort Worth at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Fort Worth, TX insurance companies.
As shown in the table above, if you are insured with Germania Mutual and switched to Travelers, you may see an annual savings of roughly $215. Insureds with Esurance might save as much as $338 a year, and California Casualty policyholders might reduce prices by as much as $341 a year.
To discover how much you can save, click here to begin a quote or visit any of the companies below.
Be aware that those policy prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for postal workers. So the auto insurance company that is most affordable for your situation may not even be in the top 23 companies shown above. That point stresses why you need to get rate quotes using your own individual information.
One of the more important considerations that determine the price you pay for insurance is where you call home in Fort Worth. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The following table sorts the most costly cities in Texas for postal workers to purchase car insurance in. Fort Worth is ranked at #16 with a yearly premium of $1,653 for the average insurance policy, which is around $138 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,851 |
| 6 | Garland | $1,832 |
| 7 | Amarillo | $1,786 |
| 8 | Mesquite | $1,771 |
| 9 | Pasadena | $1,758 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,719 |
| 12 | Beaumont | $1,702 |
| 13 | Lubbock | $1,682 |
| 14 | San Antonio | $1,671 |
| 15 | Austin | $1,659 |
| 16 | Fort Worth | $1,653 |
| 17 | Arlington | $1,642 |
| 18 | McKinney | $1,625 |
| 19 | Carrollton | $1,598 |
| 20 | Corpus Christi | $1,588 |
| 21 | Plano | $1,576 |
| 22 | Waco | $1,569 |
| 23 | El Paso | $1,568 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,533 |
| Find Cheaper Rates Go | ||
Rate information is comparative as the specific zip code location can lower or raise premiums substantially.
Discount Fort Worth car insurance rates
Insurers that provide coverage for postal workers may have price discounts that could lower prices by 25% or more if you qualify. Companies and some of the premium reductions they offer are detailed below.
- GEICO has savings for multi-vehicle, emergency military deployment, multi-policy, air bags, driver training, anti-lock brakes, and daytime running lights.
- MetLife may offer discounts for claim-free, accident-free, multi-policy, good driver, defensive driver, and good student.
- Progressive policyholders can earn discounts including multi-policy, multi-vehicle, good student, online signing, and continuous coverage.
- Travelers includes discounts for hybrid/electric vehicle, home ownership, continuous insurance, student away at school, and driver training.
- SAFECO may have discounts that include teen safety rewards, homeowner, anti-theft, anti-lock brakes, teen safe driver, and accident prevention training.
- AAA has discounts for pay-in-full, good student, anti-theft, good driver, and AAA membership discount.
The illustration below illustrates the comparison of auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, vehicle safety, defensive driving course, accident-free, homeowner, and multiple policy discounts applied. In this example, theaverage amount saved on insurance for postal workers is 28% or $815.
Cost difference between full coverage and liability
Paying less for insurance is important to the majority of vehicle owners, and one of the fastest ways to reduce the cost of insurance for postal workers is to not pay for full coverage. The diagram below compares premium costs with full physical damage coverage and with liability coverage only. The premiums are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
As an average for all age groups, physical damage coverage on your policy costs an extra $1,793 per year more than buying just liability insurance. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no definitive formula to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
There are some circumstances where removing full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Responsible drivers pay cheaper Fort Worth insurance rates
A great way to find cheap insurance prices in Texas for postal employees is to drive safe and not have accidents or get tickets. The diagram below shows how speeding tickets and accident claims can influence auto insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
In the previous example, the average cost of auto insurance in Texas per year with no accidents or violations is $1,380. Factor in two speeding tickets and the average cost hikes up to $1,955, an increase of $575 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for postal workers jumps again to an average of $2,533. That’s an increase of $1,153, or $96 per month, just for not being attentive to the road!
How to find budget-friendly auto insurance for postal workers
The list below summarizes a few penny-pinching suggestions that can help you quote lower-cost car insurance.
- Raise your physical damage coverage deductibles
- Drop full coverage on older vehicles
- Avoid accidents
- Claim-free policyholders usually earn a discount
- Avoid speeding and other traffic citations and pay less
- Look for cheaper rates once a year by shopping around
The last idea is extremely significant, as we stressed in this article. Prices charged by car insurance companies vary greatly, so drivers shouldn’t be reluctant to buy from a new company if a better deal can be had. Many consumers stick with the same company and that’s fine, but we do not recommend it if your bullheadedness ends up costing you major coinage every year. Now is a great time to compare prices and find cheaper insurance for postal workers in Fort Worth.
If you have questions and prefer to get some professional advice when comparing insurance rates for postal workers, the agents listed below are willing to help you decide which coverages and limits you need. To locate a Fort Worth car insurance agency using an interactive map, click the button at the bottom of the list or click here to compare rates now.
- Gary Gilmore – State Farm Insurance Agent
9324 Clifford St #106 – Fort Worth, TX 76108 – (817) 367-6106 - Allstate Insurance: Robert Stine
3509 Hulen St Ste 103 – Fort Worth, TX 76107 – (817) 377-4048 - Rainbow Insurance Agency
2929 Cleburne Rd – Fort Worth, TX 76110 – (817) 922-8031 - Laura Geninatti – State Farm Insurance Agent
7510 Davis Blvd Ste A – Fort Worth, TX 76182 – (817) 281-1191 - Allstate Insurance: Cecil A. Nutall
6716 Brentwood Stair Rd – Fort Worth, TX 76112 – (817) 451-7996