Who Has Affordable Long Beach Auto Insurance Rates for Postal Workers?

The type of vehicle you are seeking coverage for is a large factor when shopping for the lowest-priced car insurance for postal workers. Vehicles with more horsepower, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than more modest models. The table below showcases coverage costs for a number of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Long Beach, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,115
Toyota Prius $1,237
Honda CR-V EX-L 2WD $1,294
Toyota Tacoma 2WD $1,296
Chevrolet Malibu LS $1,323
Ford Explorer Limited 2WD $1,346
Hyundai Elantra GLS 4-Dr Sedan $1,394
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,418
Hyundai Sonata GLS 4-Dr Sedan $1,423
GMC Sierra SL Crew Cab 2WD $1,418
Ford Focus SE 4-Dr Sedan $1,420
Toyota RAV4 Limited 2WD $1,449
Jeep Grand Cherokee Laredo 2WD $1,459
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific zip code location which can raise or lower prices substantially.

Based upon the table data, we can conclude that makes and models like the Ford Escape, Toyota Prius, Honda CR-V, Toyota Tacoma, and Chevrolet Malibu are a few of the cheaper vehicles to insure for postal employees.

Comparing quotes for cheap insurance is confusing at best, and finding out which company has the cheapest car insurance rates for postal workers will take even more rate comparisons. Each auto insurance company uses a slightly different approach to set premium rates, so first we will examine the car insurance companies with the overall best prices in Long Beach.

Keep in mind that California car insurance rates are determined by lots of factors that may substantially change the price you have to pay. Events like turning one year older, buying a home, or having a fender bender can trigger rate changes that can cause some rates to be cheaper than competitors.

Best Car Insurance Prices for USPS Employees

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 CSAA $1,186
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,447
8 Mercury $1,488
9 Allied $1,556
10 Progressive $1,558
11 Allstate $1,559
12 GEICO $1,575
13 The Hartford $1,591
14 MetLife $1,638
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,705
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,006
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USAA has some of the cheapest car insurance rates in Long Beach at around $1,121 annually. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the lowest-priced Long Beach, CA car insurance companies.

In the above rates, if you currently buy coverage from CSAA and switched to USAA, you might realize yearly savings of in the vicinity of $65. Customers with Century National could save as much as $105 a year, and Nationwide customers might reduce prices by as much as $142 a year.

To see how much you can save, click here to start your free quote or quote rates from the companies below.

Understand that those policy rates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for postal workers. So the auto insurance company that has the lowest price for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

Selecting the right auto insurance company can be difficult considering how many companies there are in Long Beach. The ranking data shown below can help you decide which providers to look at when comparing rate quotes. These rankings only include major nationwide insurance companies, so smaller regional companies will not be included in the list.

Long Beach, CA Car Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

Difference between liability only and full coverage rates

Buying cheaper car insurance should be important to most people, and one of the easiest ways to pay less for insurance for postal workers is to only buy liability coverage. The illustration below illustrates the difference between auto insurance costs when comparing full coverage to liability only. The premiums are based on a clean driving record, no claims, $250 deductibles, single status, and no additional discounts are factored in.

Averaged out for all age groups, comp and collision coverage costs $3,147 per year more than just insuring for liability. That raises the question if full coverage is worth the money. There is no clear-cut rule to stop buying physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Here’s why you should shop around

Long Beach, CA car insurance rates are determined by lots of factors that will increase or decrease the price of your policy. Simply turning a year older, getting divorced, or getting a ticket for careless driving may prompt premium changes that may make certain companies cheaper in comparison to the competition.

Not only may your risk profile change, but insurance companies change their prices as often as every three months to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity can cause more expensive prices, while long-term profits can cause more affordable Long Beach car insurance rates.

The chart below shows a variety of companies that have the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with a clear driving record, no claims, and excellent credit. If we estimate rates based on his current rating profile, USAA may have the best car insurance rates in Long Beach at $1,362 each year. This is $289 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also make the list of the top five cheapest Long Beach, CA auto insurance companies.

In this example, we will give the driver from the above example a couple of claims, a lower credit score, and a few traffic violations. Because each company has their own unique process to set their prices, comparing quotes may now present a different ranking of cheap Long Beach auto insurance companies as shown below.

Mercury now has the lowest price in Long Beach, CA with Grange, Progressive, Allstate, and GEICO now being in the top five. This example shows why consumers need to do a thorough rate comparison to find the lowest auto insurance quotes for postal workers. Car insurance prices can be determined by many factors and can increase or decrease at any time, so the best option when you last compared rates may now be an over-priced policy.

Ideas for buying budget-friendly car insurance for postal workers

It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help California drivers find more affordable coverage.

The last tip in the list is extraordinarily significant, as we noted in the prior information. Prices charged by auto insurers in Long Beach can change significantly in a year, so drivers shouldn’t be reluctant to change to a new company if a cheaper price is available. Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying money that could be spent on other things. Take a few minutes and compare rates to find cheaper insurance for postal workers.

The Long Beach car insurance agencies listed below can probably help you decide which auto insurance policy would work best for you, as lots of people like to have professional advice when comparing insurance rates for postal employees. It’s not always easy to find coverage yourself, so getting advice from a licensed agent can give peace of mind knowing you have adequate coverage when you need it most. To locate a Long Beach car insurance agency close to you, click the link at the bottom.

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