The car, truck, or SUV to be insured is a significant factor when quoting the lowest-priced coverage for postal workers. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The next table features insurance premiums for a selection of the cheaper vehicles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,118 |
| Honda CR-V EX-L 4WD | $1,127 |
| Hyundai Elantra GLS Touring Station Wagon | $1,136 |
| Toyota RAV4 4WD | $1,195 |
| Chevrolet Malibu LS | $1,205 |
| Honda Accord EX-L 4-Dr Sedan | $1,199 |
| Ford Explorer Limited AWD | $1,217 |
| Toyota Tacoma Double Cab 4WD | $1,225 |
| Ford Escape Limited 4WD | $1,228 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,260 |
| Ford Edge Sport 2WD | $1,268 |
| Chevrolet Impala LS | $1,281 |
| Ford Focus SE 4-Dr Sedan | $1,288 |
| Toyota Corolla XRS | $1,283 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,292 |
| Ford Fusion SEL 4-Dr Sedan | $1,283 |
| Chevrolet Equinox LTZ AWD | $1,290 |
| Dodge Grand Caravan SXT | $1,333 |
| Hyundai Sonata SE 4-Dr Sedan | $1,342 |
| Jeep Grand Cherokee Laredo 2WD | $1,346 |
| Kia Optima SX | $1,364 |
| Toyota Camry Hybrid | $1,373 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,369 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in your specific Santa Ana, CA location which can affect coverage prices noticeably.
Based upon these rates, you can conclude that models like the Toyota Prius, Honda CR-V, and Hyundai Elantra are going to be the most economical vehicles to insure for postal employees.
For postal employees, one of the largest criteria that are looked at to determine insurance cost is where you call home in Santa Ana. Larger areas will most likely have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The next table lists the most expensive cities in California for postal workers in which to buy car insurance. Santa Ana ranks #16 with a yearly cost of $1,453 for the average insurance policy, which is about $121 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,596 |
| 7 | Fontana | $1,581 |
| 8 | Long Beach | $1,578 |
| 9 | Santa Clarita | $1,548 |
| 10 | Stockton | $1,541 |
| 11 | Garden Grove | $1,524 |
| 12 | Fresno | $1,502 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | San Diego | $1,381 |
| 20 | Huntington Beach | $1,360 |
| 21 | Fremont | $1,348 |
| 22 | Oxnard | $1,344 |
| 23 | Irvine | $1,343 |
| 24 | Bakersfield | $1,340 |
| 25 | Chula Vista | $1,298 |
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Premium amounts are approximated as specific Santa Ana zip code can revise premium rates considerably.
Comparing quotes for low-priced insurance is not most people's favorite thing to do, and determining which company offers the most affordable car insurance rates for postal workers involves even more shopping around.
Each insurance company uses slightly different criteria for determining rates in each state, so first we will examine the car insurance companies with the overall best prices in Santa Ana.
Find the Best Cheap Insurance for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,513 |
| 10 | Mercury | $1,548 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
| View More Rates Go | ||
USAA normally has some of the lowest car insurance rates in Santa Ana at around $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also are some of the cheapest Santa Ana, CA car insurance companies.
In the rate table above, if you are currently insured with Century National and switched to Wawanesa, you might realize a yearly price reduction of about $22. Customers with CSAA might save as much as $30 a year, and 21st Century customers might lower prices by up to $174 a year.
To get a fast rate comparison, click here to get quotes or feel free to get quotes from the companies below.
Bear in mind that those estimates are averaged for all insureds and vehicles and and are not calculated with a specific location for postal workers. So the insurer that can offer you the best price may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own individual information.
Full coverage versus liability only rates
Saving money when shopping for car insurance is important to most vehicle owners, and an effective way to buy cheap insurance for postal workers is to not buy full coverage. The diagram below shows the difference between insurance prices with full coverage and liability only. The rates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.
As an average, physical damage coverage on your policy costs an additional $2,501 per year more than buying just liability insurance. That is a large expense and it proposes the question if buying full coverage is a good investment. There is no set guideline to delete physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.
There are some cases where removing full coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.
Types of discounts on Santa Ana insurance rates
Insurance companies that offer coverage for postal workers may also give you policy discounts that can lower rates by as much as 40% or more if you are eligible for them. A few of the larger companies and the discounts they provide are shown below.
- 21st Century may have discounts that include anti-lock brakes, student driver, automatic seat belts, early bird, defensive driver, and theft prevention.
- State Farm discounts include accident-free, student away at school, passive restraint, Drive Safe & Save, and multiple policy.
- AAA includes discounts for multi-policy, pay-in-full, multi-car, good student, education and occupation, good driver, and AAA membership discount.
- Liberty Mutual has discounts for new move discount, safety features, good student, teen driver discount, new graduate, multi-car, and exclusive group savings.
- Progressive may offer discounts for online signing, homeowner, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
The information below compares insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, safe-driver, passive restraint, claim-free, multiple vehicle, and vehicle safety discounts applied. In this example, theamount saved on car insurance for postal workers is 28% or $630.
Reckless driving habits raise Santa Ana car insurance rates
The best way to obtain low car insurance rates for postal employees is to drive attentively and avoid at-fault accidents and violations. The diagram below illustrates how speeding tickets and at-fault accidents can influence car insurance costs for different insured age categories. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of auto insurance per year with no accidents and a clean driving record is $2,354. Get two speeding tickets and the average cost hikes up to $3,138, an increase of $784 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for postal workers jumps again to an average of $6,439. That's an increase of $4,085, or $340 per month, just for being a careless driver!
How to find economical car insurance for postal workers
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help drivers buy low-cost coverage.
- Do not get into accidents
- Avoid getting citations and tickets
- Full coverage is expensive so only insure older vehicles for liability only
- Raise comprehensive and collision coverage deductibles
- If possible, do not file small claims
- Compare rates and switch if you can find a better deal
The final tip is especially necessary, as we emphasized in the prior information. Auto insurance prices fluctuate constantly, so don't hesitate to change to a new company if a better deal can be had. Having brand loyalty is commendable, but it's not a great idea if your bullheadedness ends up costing you a considerable chunk of change every month. It only takes a couple minutes to compare rates and find cheaper auto insurance for postal workers in Santa Ana.
The agents below can help you determine which insurance coverage you need, since some drivers wish to have the advice of a professional agent when trying to find lower insurance rates for postal workers. It's not always easy to find the best coverage yourself, so getting advice from a licensed agent can give satisfaction knowing your coverage gives you adequate protection in case of an accident or claim.
To find a Santa Ana insurance agent in your neighborhood, click the button after the list.
- Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - Farmers Insurance - Rosa Evaristo
2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - Farmers Insurance - Samuel Friar
2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830 - Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100