What Insurance is Cheapest for Postal Workers in Riverside?

The vehicle model needing coverage is one of the main factors when looking for the most economical car insurance for postal workers. Vehicles with higher performance, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The data below shows car insurance prices for the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Riverside, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Toyota Tacoma 4WD $1,115
Honda CR-V EX 2WD $1,135
Ford Edge SE AWD $1,153
Chevrolet Equinox LT AWD $1,176
Honda Accord LX-P 4-Dr Sedan $1,216
Toyota Prius $1,257
Toyota Corolla XRS $1,259
Nissan Rogue S 2WD $1,266
Nissan Altima Hybrid 4-Dr Sedan $1,259
GMC Sierra 2500HD SLE Regular Cab 4WD $1,268
Jeep Wrangler Sahara 4WD 2-Dr $1,280
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,282
Ford Focus SE 2-Dr Coupe $1,320
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific location information which can revise premiums substantially.

Based on these rates, we can expect vehicles like the Toyota Tacoma, Honda CR-V, Ford Edge, Chevrolet Equinox, and Honda Accord are likely to be the less-costly vehicles to insure for postal employees.

One of the more important considerations that are looked at to help calculate the amount you pay each year for auto insurance is where you live. Cities with larger populations tend to pay slightly more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.

The illustration below sorts the most expensive areas in California for postal workers to purchase a policy in. Riverside is ranked at #12 with the yearly price of $1,497 for the average insurance policy, which is around $125 per month.

Car insurance prices in Riverside
Rank City Annual Premium
1 Los Angeles $2,104
2 Glendale $2,079
3 Oakland $1,738
4 Sacramento $1,703
5 San Francisco $1,693
6 San Bernardino $1,644
7 Stockton $1,588
8 Fontana $1,581
9 Long Beach $1,562
10 Garden Grove $1,554
11 Santa Clarita $1,548
12 Riverside $1,497
13 Moreno Valley $1,491
14 Modesto $1,487
15 Santa Ana $1,483
16 Anaheim $1,474
17 Fresno $1,472
18 Huntington Beach $1,402
19 Bakersfield $1,394
20 Fremont $1,389
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Rates are approximated as the specific Riverside residence address can alter insurance rates considerably.

Finding low-priced insurance is not the easiest thing to do, and determining which company has the cheapest auto insurance rates for postal workers will require even more rate comparisons.

Each insurance company has their own unique process for determining rates, so we’ll go over the auto insurance companies that tend to be cheaper in California. It’s a good idea to know that Riverside, CA auto insurance rates are impacted by many things which can substantially change the price you pay. Improving your credit score, increasing deductibles, or having an at-fault accident can produce rate changes resulting in some companies being cheaper than competitors.

Cheapest Insurance Rates for USPS Employees

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,226
6 21st Century $1,379
7 Grange $1,477
8 Progressive $1,512
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,556
12 Allstate $1,559
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,699
16 Unitrin $1,733
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $2,026
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USAA normally has some of the most affordable car insurance rates in Riverside at around $1,121 a year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Riverside, CA car insurance companies.

In the above example, if you buy coverage from Wawanesa and switched to USAA, you might realize annual savings of about $25. Insureds with Century National may save as much as $69 a year, and CSAA insureds might lower prices by up to $77 a year.

To compare your rates to other California insurance companies, click here to start your free quote or visit any of the companies below.

These rates are averaged for all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for postal workers. So the insurer that fits you best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

Cost of full coverage

Lowering the price of auto insurance should be important to most vehicle owners, and a good way to save on the cost of insurance for postal workers is to only pay for liability coverage. The example below illustrates the comparison of insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no violations or claims, $100 deductibles, drivers are single, and no discounts are applied to the premium.

As an average, physical damage coverage on your policy costs $2,525 per year more than just insuring for liability. Many of you may wonder if buying full coverage is a good investment. There is no definitive guideline of when to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for physical damage coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Ending up with a high-quality car insurance company can be difficult considering how many different insurance companies sell coverage in California. The information below can help you select which auto insurers you want to consider comparing rates with. These rankings are only comprised of the largest companies in America, so companies that may only write in California will not be included in this list.

Best 15 Auto Insurance Companies for Postal Workers in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how choosing a deductible can raise or lower insurance rates when trying to find cheap insurance for postal workers. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could reduce rates by $408 a year by switching from a $100 deductible up to a $500 deductible, or save $618 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could shave $1,230 annually by choosing a higher deductible.

When raising deductibles, it is essential to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How to find more affordable car insurance for postal workers

It’s not impossible to find cheaper rates, and here are many thrifty solutions that can help drivers get cheaper coverage.

The last tip is extraordinarily valuable, as was stressed in this write-up. Prices charged by auto insurers in Riverside can change in a short period of time, so drivers shouldn’t be reluctant to change insurance companies if a lower price can be found.

Brand loyalty is great, but it’s not recommended if that loyalty results in overpaying lots of hard earned cash every month. Spend a few minutes and compare rates and find cheaper insurance for postal workers.