Finding good, low-cost insurance is not easy, and deciding which companies offer the cheapest car insurance rates for postal workers will take even more rate comparisons. Every insurance company has their own process for setting rates, so we need to take a look at the car insurance companies that tend to have lower prices in Kansas City, MO.
We do need to point out that Kansas City, MO car insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay for coverage. That is why it is so important to perform a complete rate comparison when trying to get the cheapest car insurance quotes for postal workers. Auto insurance prices are impacted by many factors and can change without notice, so the most economical company a year ago may now cost much more than other companies.
Cheapest Insurance Rates for USPS Employees
USAA offers some of the cheapest car insurance rates in Kansas City at around $668 each year. This is $594 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are also some of the more affordable Kansas City, MO insurance companies.
In the rate table above, if you buy coverage from Electric and switched to The Hartford, you may see annual savings of in the vicinity of $58. Policyholders with Auto-Owners may save as much as $188 a year, and Travelers customers might see rate reductions of $199 a year.
Be aware that those prices are averages across all ages of drivers and types of vehicles and are not factoring in a specific vehicle garaging location for postal workers. So the car insurance company that can offer you the best rate may not even be in the list above. That is why you need to get quotes using your own driver data and vehicle information.
The vehicle requiring insurance is one of the main factors in finding the most economical auto insurance for postal workers. Vehicles with average performance, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The next table presents car insurance costs for a handful of the most economical automobiles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,283|
|Ford Edge SE 2WD||$1,412|
|Honda CR-V LX 4WD||$1,468|
|Toyota Tacoma Double Cab 4WD||$1,517|
|Ford Fusion S 4-Dr Sedan||$1,524|
|Chevrolet Equinox LS AWD||$1,517|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,571|
|Hyundai Elantra GLS Touring Station Wagon||$1,576|
|Ford F-150 XLT Regular Cab 2WD||$1,617|
|Dodge Ram Crew Cab ST 2WD||$1,656|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,684|
|Honda Odyssey EX||$1,710|
|Toyota Camry Hybrid||$1,736|
|Chevrolet Silverado LT Crew Cab 2WD||$1,745|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$1,736|
|Jeep Grand Cherokee Laredo 2WD||$1,741|
|Dodge Grand Caravan CV||$1,764|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,771|
|Ford Focus SEL 4-Dr Sedan||$1,800|
|Compare Cheap Rates Go|
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can revise premium rates noticeably.
By looking at the data, we can assume that makes and models like the Ford Escape, Ford Edge, Toyota Prius, Honda CR-V, and Toyota Tacoma are most likely going to be a few of the more affordable vehicles to insure for postal employees.
The diagram below demonstrates how deductibles can affect yearly insurance costs when researching cheap insurance for postal workers. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could cut expenses by $296 a year by switching from a $100 deductible to a $500 deductible, or save $444 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, can cut up to $866 each year just by choosing higher deductibles. When choosing a higher deductible, it will now be necessary to have enough savings to pay the extra out-of-pocket expense that comes with higher deductibles.
Discount Kansas City auto insurance
Insurance providers that offer coverage for postal workers may additionally offer premium discounts that can reduce rates by as much as 30% if you can meet the requirements. The best car insurance companies and a summarized list of policyholder discounts are outlined below.
- Progressive discounts include online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
- SAFECO offers discounts including multi-car, teen safe driver, safe driver, homeowner, anti-theft, drive less, and anti-lock brakes.
- American Family includes discounts for accident-free, good driver, air bags, good student, bundled insurance, TimeAway discount, and early bird.
- MetLife may offer discounts for good student, defensive driver, accident-free, good driver, and claim-free.
- GEICO policyholders can earn discounts including daytime running lights, multi-vehicle, air bags, good student, and anti-lock brakes.
- The Hartford may include discounts for air bag, defensive driver, anti-theft, vehicle fuel type, good student, and bundle.
The example below shows the difference between annual premium costs with and without discounts. The price estimates are based on a male driver, no claims or driving violations, Missouri state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, marriage, anti-theft, claim-free, safe-driver, and defensive driving course 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 $337.
Why you should be shopping around
Kansas City car insurance rates are impacted by many things which can significantly increase or decrease the policy price. Simply improving your credit, getting divorced, or getting a driving violation can produce rate changes that can now make some companies cheaper in comparison to the competition. And not only may your rating factors change, but companies change premium rates without warning to reflect underwriting profits or losses. Significantly higher losses can cause price increases, while better underwriting can produce more affordable Kansas City car insurance rates.
For example, the data below analyzes the cheapest car insurance in Kansas City, MO for a 45-year-old male driver with no accidents, a clean driving record, and good financial standing. Based on his current rating profile, USAA may have the lowest car insurance rates in Kansas City at $834 annually. This is $428 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are the remainder of the top five cheapest Kansas City, MO auto insurance companies.
Now we will give the driver from the first rate comparison a chargeable claim, less-than-perfect credit, and a few blemishes on his driving record. Since each company uses their own method for establishing rates, comparing rates may result in a substantially altered list of companies as shown below.
MO Farm Bureau now has the cheapest rate in Kansas City, MO with Farmers, The Hartford, Nationwide, and Cameron Mutual now being in the top five. This shows why Missouri drivers need to shop around when trying to find the most economical car insurance rates for postal workers. Rates can be altered by many things and change substantially, so the cheapest option the last time you compared rates may now be priced much higher than other options.