Who Has the Cheapest Auto Insurance Rates for Postal Workers in Seattle?

The car, truck, or SUV requiring coverage is probably the most important factor that determines whether or not you find the best cheap coverage for postal workers. Vehicles with average performance, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The next table outlines auto insurance premiums for some of the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Seattle, WA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,473
Honda CR-V EX-L 4WD $1,509
Jeep Wrangler Sport 4WD 2-Dr $1,531
Honda Accord LX 4-Dr Sedan $1,691
Ford Focus SE 4-Dr Sedan $1,713
Jeep Grand Cherokee Laredo 4WD $1,749
Hyundai Elantra Blue 4-Dr Sedan $1,804
Hyundai Sonata GLS 4-Dr Sedan $1,873
Chevrolet Malibu LTZ $1,882
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,907
Ford Edge Limited 2WD $1,967
Volkswagen Jetta 2.0T Station Wagon $1,976
Chevrolet Equinox LT 2WD $2,006
Toyota RAV4 Limited 4WD $2,016
Dodge Grand Caravan Hero $2,006
Toyota Prius $2,014
Ford Explorer XLT AWD $2,028
Dodge Ram Quad Cab Sport 2WD $2,031
Honda Civic LX 4-Dr Sedan $2,072
Toyota Tacoma X-Runner 2WD $2,111
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can revise premiums noticeably.

Based upon the table data, you can presume that makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, Honda Accord, and Ford Focus will definitely be the cheaper vehicles to insure for postal employees.

One of the many things that aid in calculating insurance cost is your address. Larger areas will most likely have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.

The information below ranks the priciest cities in Washington for postal workers to purchase a policy in. Seattle shows up at #7 costing $1,363 for the average insurance policy, which is approximately $114 each month.

How much does car insurance cost in Seattle, WA?
Rank City Annual Rate
1 Lakewood $1,434
2 Tacoma $1,427
3 Federal Way $1,393
4 Kent $1,378
5 Shoreline $1,366
6 Auburn $1,366
7 Seattle $1,363
8 South Hill $1,354
9 Renton $1,348
10 Everett $1,238
11 Redmond $1,238
12 Bellevue $1,219
13 Marysville $1,208
14 Sammamish $1,196
15 Kirkland $1,195
16 Vancouver $1,192
17 Lacey $1,122
18 Olympia $1,083
19 Spokane $1,071
20 Spokane Valley $1,054
21 Yakima $1,026
22 Pasco $1,018
23 Bellingham $1,007
24 Kennewick $1,001
25 Richland $993
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Prices are comparative as specific Seattle zip code can decrease or increase coverage rates noticeably.

Types of discounts on Seattle insurance rates

Cheaper Seattle, WA insurance for postal employeesAuto insurance companies that offer coverage for postal workers may have special discounts that may potentially lower prices by as much as 35% if you meet specific criteria. The best insurance companies and their offered discounts include:

The illustration below visualizes the comparison of insurance premiums with and without discounts applied. The premiums are based on a male driver, no violations or claims, Washington state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, claim-free, multiple policy, vehicle safety, safe-driver, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for postal workers is 28% or $576.

Full coverage rates compared to liability-only

Reducing premiums for insurance is important to the majority of drivers, and one way to pay less for insurance for postal workers is to not pay for full coverage. The illustration below compares car insurance rates with and without full coverage. The data assumes no claims or driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an additional $1,553 per year more than buying just liability insurance. That proposes the question if paying for full coverage is a waste of money. There is no set rule to delete comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

If you like to have a consultation when buying car insurance for postal workers, the agents shown below are a good start to help you determine which policy fits your needs best. To find an agent near you, click the link after the list or click here to compare prices now.

Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104Seattle, WA 98115(206) 985-2528

Norwest Insurance Agency
5191 S Spencer StSeattle, WA 98118(206) 965-8140

Melinda Elkin – State Farm Insurance Agent
7104 Greenwood Ave NSeattle, WA 98103(206) 784-6560

Propel Insurance: Marinkovich Stephen
925 4th Ave #3200Seattle, WA 98104(206) 676-4216

Find a Seattle, WA insurance agent near you

How to find budget-friendly car insurance for postal workers

Below you’ll find some of the recommended thrifty ideas that can help you locate cheaper coverage.

That last piece of advice is certainly critical, as we stressed in the article above. Insurance prices can be changed at any time, so you should be ready to buy a policy from a new company if a cheaper rate is available. Brand loyalty is not necessarily bad, but it’s not a good idea if your bullheadedness ends up costing you major coinage every year. In just a few minutes you could shop around and find cheaper insurance for postal workers in Seattle.