Greenboro, North Carolina

Buy Discounted Car Insurance for Postal Workers With High-Quality Coverage

If you are a postal employee, you must be delighted to know that you are eligible to purchase postal car insurance with high-quality coverage and with amazing discounts. Postal employees are eligible to get federal discounts, but you must know that only a few insurance providers offer these discounts.

The United States Postal Services (USPS) administers and controls insurance coverage and premium rates for postal employees. Hence, if you are a postal employee, and seeking car insurance, it’s necessary that you use the services offered by USPS.

USPS can help you get discounts when it comes to car insurance for postal employees. USPS maintains an organized list of various services and products along with the discount rates offered. However, you must know every rule concerning personal and group discounts when it comes to postal worker car insurance.

Next, if you desire to claim the discounts on insurance, you will require your postal code along with your occupation details. Also, you will have to explore various options to ensure that you are able to get the cheapest car insurance. The more you explore, the more you compare, the easier it will be for you to get the cheapest car insurance option.

What Types Of Car Insurance Discounts Are Provided To Postal Employees?

You must definitely know the car insurance discount types that you can claim to save a few valuables on your car insurance. Check them out below.

  • Group Policy Discount- Around 11 companies do provide group policy discounts. You can save up to 15% by claiming this discount. Both, postal workers and postal employees can claim this discount.
  • Choose adequate coverage - You must not compromise on the car coverage levels even if you are going to pay premium later on. Remember, owning a vehicle is the next big investment to a home and so, it is prone to meeting with an accident, theft, fire, vandalism, storm, hails, etc. And any of these events can cause colossal damages to your car for which state prescribed minimum liability coverage may not be enough. Apart from the fact that you need to purchase additional coverage limits, it is vital that you also buy comprehensive and collision features with sufficient limits.
  • Safe Driver Discount - If you don’t have a lot of violations and accidents, you can claim a safe driver discount. Most vehicle insurers provide heavy discounts to drivers who drive safely.
  • Age-Related Discount - The more your age is, the more driving experience you have, and the more discounts you can claim and get on postal car insurance.
  • Low Mileage Discount - If you drive less than 12,000 miles a year, you can claim a low mileage discount. Most car insurance providers except Safeway and Ameriprise do provide low mileage discounts.
  • Bundling Discount: - You can bundle your home or any other thing with your car insurance policy to get a bundling discount. The major benefit of this discount is that you will be dealing with only a single insurance policy, and you will be covering numerous things under a single policy and in a cost-effective way.

Most auto insurers do provide postal worker car insurance at discounts, but it can be difficult for you to find the insurance with the right coverage. The reason behind the same is that every car insurance company considers different factors to assess coverage risks and hence, with these factors, premiums vary too.

Trends in Postal Worker Car Insurance Rates

As mentioned, every insurance provider considers various things while deciding on coverage and rates. Hence, they do vary for everyone. It’s always good to have an idea of the trends in the postal worker car insurance rates.

Checkout the table below that shows coverage type along with the average car insurance rates. It will give you a fair idea of the amount you will be paying for auto insurance for postal workers.

Coverage Types Average Yearly Car Insurance Rates Average Monthly Car Insurance Rates
Comprehensive $148 $12
Collision $326 $27
Liability $555 $46
Full $1,029 $86

If you are in the United States, it’s mandatory for you to have third-party liability coverage. However, in case, you are a rural mail carrier, having full insurance coverage becomes mandatory for you.

Comprehensive and collision coverage do cover a maximum of car damage types, however, there are some conditions and accident types that aren’t covered here. You can count on our experts to help you out with selecting the right coverage type and also to save a few valuable bucks on the premium rates.

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Companies Offering Discounts on Car Insurance Rates for Postal Employees

Checkout the list of companies offering federal discounts on car insurance rates for postal employees below.

  • Farmers
  • Liberty Mutual
  • MetLife

Just do your own research, figure out which company provides the best deal, and make sure that you select the best to get the maximum discount on your postal car insurance.

You must know that there are numerous factors taken into consideration when it comes to calculating your insurance premiums. Some of them are your gender, age, marital status, driving habits, etc.

According to our experts, among the above-listed options, GEICO is the best option to go with as it maintains transparency and low premium rates. It’s always good to know these factors and the eligibility criteria before you narrow down your options.

Now, let’s talk about saving your money on insurance premium rates. There are numerous ways to do so. The first one is maintaining your credit score. The better your credit score is, the easier it will be for you to get discounts on insurance premium rates. You are even eligible to claim special discounts if you have a good credit score.

5 Types of Mandatory Coverage for USPS Postal Employees

Readout the mandatory insurance coverage for USPS postal employees below.

  • Third-Party Body Injury Liability - It pays the cost of the treatments to third-party victims due to the accident. However, the insured car must be involved here.
  • Third-Party Property Damages Liability - This insurance coverage pays for the damage to the property of the third party due to the accident of the insured car.
  • Uninsured Motorist Cover - This coverage pays a premium from an accident of the insured car with the driver of the uninsured car.
  • Under-Insured Motorist Cover - It covers the premium from an accident of the insured car with the driver not having enough insurance coverage.
  • Personal Injury Protection - This coverage pays for the treatment cost of the driver involved in the accident of the insured car with another car regardless if the driver is at fault or not.

These are the mandatory coverage requirements that you must know. Keeping them in mind would make a lot of things easy for you.

Find The Best Cheap Postal Car Insurance Policy Quote Online

Well, among numerous options available, finding the cheapest postal car insurance is a bit tough. However, keeping the below points in your mind can make things easy for you to a good extent.

  • Know the State Rules & Regulations - Be sure to know the rules and regulations of your state to get a clear idea of the postal insurance cost you will be paying. Every state has different rules and regulations, hence, of course, you must know them clearly.
  • Comparing Multiple Quotes - Make sure to check out various options and compare different quotes as much as you can. The more you compare the quotes, the easier it would be for you to select cheap insurance with the maximum coverage.
  • Injury Coverage is a Must - Make sure that the postal car insurance you purchase covers injuries too. Numerous insurance policies don’t cover injuries, which is a major drawback of the same.
  • Under-Insured Motorist Cover - This is another criterion you must consider when you purchase car insurance. It pays costs for the damages whose driver is at fault, and unfortunately, doesn’t have enough insurance coverage.
  • Review & Update Auto Insurance Policy Regularly - Make sure to review and update your auto insurance policy regularly. If you don’t do it, you might be missing out on several clauses.

Just keep these things in your mind, and finding the cheap and the best postal car insurance policy quote online won’t be difficult for you at all.

Here Is A List Of Important FAQS
There are multiple ways in which the postal worker’s job affects car insurance. For instance, a major part of your job involves traveling, it increases the risk factor as the chances of unfortunate accidents are quite high. The profile, post, etc. play a crucial role in terms of deciding the car insurance premium.
If a postal work tries to file a claim for commercial use without correct insurance, his/her claims may be rejected. Remember, standard insurance policies are meant only for personal use. In case, you desire to avail of the policy for commercial reasons, having commercial car insurance is a must.
The basic requirements for rural postal workers when compared to the normal insurance policy are almost the same. However, the premium does vary here. The premium in rural areas is quite less as the chances of accidents are less.
As USPS is a federal entity, it is not entitled to the insurance laws of any state. However, every vehicle of USPS is insured. Hence, if you are driving a USPS vehicle, you need not go for another insurance policy. However, make sure to verify the same from your management once.
About the Author

Andy Walker is a content writer for the AtoZ Insurance USA who specializes in the insurance and finance niches. He has been working as a freelance writer from several years, and has experience with a variety of content writing formats. Andy is a highly skilled writer who is able to produce quality content that is both informative and engaging.

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