Locating low-priced insurance is not always easy, and deciding which company offers the cheapest insurance rates for postal workers will take a little more work. Each insurer uses a different method for setting prices, so let’s take a look at the insurance companies that tend to have lower prices in Aurora.
We do need to point out that Aurora, CO insurance rates are determined by lots of factors that control the price you pay for coverage. This price variation is why it is critical to compare lots of rates to find cheap auto insurance quotes for postal workers. Prices can be determined by many risk factors and change substantially, so the cheapest company the last time you checked may now be quite expensive.
Find Cheaper Auto Insurance for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $978 |
| 3 | USAA | $999 |
| 4 | Nationwide | $1,143 |
| 5 | Travelers | $1,183 |
| 6 | GEICO | $1,187 |
| 7 | Auto-Owners | $1,204 |
| 8 | State Farm | $1,222 |
| 9 | American Family | $1,262 |
| 10 | Amica | $1,340 |
| 11 | Progressive | $1,362 |
| 12 | Allied | $1,497 |
| 13 | California Casualty | $1,502 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,253 |
| 19 | Safeco | $2,522 |
| 20 | Titan | $2,711 |
| Get a Custom Quote Go | ||
The Hartford may offer some of the cheapest car insurance rates in Aurora at around $825 annually. This is $753 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers are also some of the best Aurora, CO insurance companies.
As illustrated above, if you are a policyholder with Nationwide and switched to Grange, you may see an annual premium reduction of upwards of $165. Customers with Travelers might save as much as $205 a year, and GEICO policyholders might lower prices by $209 a year.
To find the cheapest rates for your vehicle, click here or visit several of the following companies.
It’s important to note that these policy prices are averaged for all drivers and vehicles and and are not figured with a specific zip code for postal workers. So the company that has the cheapest price for you may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
One of the more important things that are looked at to determine auto insurance rates is where you normally keep your vehicle in Aurora. Areas with high crime rates or more dense population likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below shows the priciest cities in Colorado for postal workers in which to purchase auto insurance. Aurora makes the list at #2 having an annual price of $1,403 for the average insurance policy, which is approximately $117 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Pueblo | $1,440 |
| 2 | Aurora | $1,403 |
| 3 | Denver | $1,397 |
| 4 | Northglenn | $1,342 |
| 5 | Security-Widefield | $1,330 |
| 6 | Colorado Springs | $1,329 |
| 7 | Ken Caryl | $1,326 |
| 8 | Lakewood | $1,324 |
| 9 | Thornton | $1,320 |
| 10 | Centennial | $1,317 |
| 11 | Commerce City | $1,314 |
| 12 | Westminster | $1,272 |
| 13 | Parker | $1,270 |
| 14 | Arvada | $1,269 |
| 15 | Littleton | $1,267 |
| 16 | Castle Rock | $1,248 |
| 17 | Brighton | $1,235 |
| 18 | Highlands Ranch | $1,229 |
| 19 | Broomfield | $1,203 |
| 20 | Longmont | $1,179 |
| Find Cheaper Rates Go | ||
Premium amounts are approximated as the specific area where the vehicle is garaged can affect rates noticeably.
The car, truck, or SUV you are seeking coverage for is a significant factor when consumers are trying to find the best cheap car insurance for postal workers. Vehicles with higher performance, a lack of advanced safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models. The data below features car insurance premiums for the cheaper automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,319 |
| Honda CR-V LX 4WD | $1,371 |
| Ford F-150 XL Regular Cab 2WD | $1,431 |
| Ford Escape Limited 4WD | $1,445 |
| Hyundai Elantra SE Touring Station Wagon | $1,451 |
| Ford Explorer Eddie Bauer 4WD | $1,463 |
| Toyota Prius | $1,478 |
| Dodge Grand Caravan CV | $1,488 |
| Toyota Camry XLE | $1,512 |
| Jeep Grand Cherokee SRT-8 4WD | $1,540 |
| Chevrolet Equinox LTZ 2WD | $1,549 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,540 |
| Chevrolet Malibu LTZ | $1,546 |
| Nissan Rogue S 2WD | $1,540 |
| Toyota Corolla XRS | $1,548 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,567 |
| Chevrolet Impala LT | $1,572 |
| Toyota RAV4 Sport 2WD | $1,578 |
| Ford Edge SEL 2WD | $1,582 |
| Ford Focus SES 2-Dr Coupe | $1,617 |
| Find Cheaper Rates Go | |
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in garaging location in Aurora, CO which can influence prices greatly.
Looking at the numbers, we can tell that cars like the Honda Accord, Honda CR-V, Ford F-150, and Ford Escape are the most budget-friendly vehicles to insure for postal employees.
Difference between liability only and full coverage rates
Buying cheaper insurance is probably important to the majority of drivers, and one of the fastest ways to find cheap insurance for postal workers is to not buy full coverage. The illustration below visualizes the comparison of insurance rates with full coverage compared to only the Colorado minimum liability coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
If all age groups are averaged, full coverage on your policy costs an additional $1,967 per year more than just insuring for liability. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no set guideline that is best for determining when to drop full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,500 after paying your deductible. If you are paying in excess of $350 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Get discount Aurora auto insurance rates
Auto insurance companies that provide coverage for postal workers may have discounts that could lower prices by as much as 30% if you can meet the requirements. A few popular companies and a summarized list of policyholder discounts include:
- Mercury Insurance has discounts for age of vehicle, good student, low natural disaster claims, professional/association, and location of vehicle.
- Farmers Insurance policyholders can earn discounts including early shopping, good student, youthful driver, multi-car, and homeowner.
- Farm Bureau offers discounts for driver training, good student, multi-policy, safe driver, and multi-vehicle.
- State Farm may have discounts that include passive restraint, safe vehicle, Steer Clear safe driver discount, defensive driving training, and anti-theft.
- Allstate has savings for economy car, early signing, safe driver, eSmart discount, teenSMART discount, and senior citizen.
- GEICO discounts include driver training, military active duty, membership and employees, anti-theft, and daytime running lights.
The example below compares yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving violations, Colorado state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, safe-driver, marriage, anti-theft, passive restraint, and multiple vehicle discounts applied. When discounts are applied, theaverage yearly reduction on insurance for postal workers is 28% or $584.
The illustration below shows how choosing a deductible can change annual premium costs when searching for cheap insurance for postal workers. The premiums are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower rates by $376 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $566 by using a $1,000 deductible. Young drivers, like the 20-year-old, could roll back prices as much as $966 each year just by choosing larger deductibles. When choosing a higher deductible, it is essential to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.