Comparing quotes for low-cost insurance is hard enough, and finding out which company offers the lowest-priced auto insurance rates for postal workers will involve a little more work. Every insurance company uses a little different formula to establish rates, so we need to take a look at the most affordable auto insurance companies in Orlando, FL.
It’s a good idea to know that Florida auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Simply getting older, buying a higher-value vehicle, or getting a ticket for careless driving can cause premium changes that may make certain companies more expensive than others.
Best Insurance Companies for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,926 |
| 8 | Esurance | $2,040 |
| 9 | State Farm | $2,110 |
| 10 | Auto-Owners | $2,149 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,411 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,927 |
| 16 | MetLife | $2,958 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,131 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,062 |
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USAA generally has some of the best car insurance rates in Orlando at around $957 each year. Electric, Amica, Progressive, and Travelers also are some of the cheapest Orlando, FL insurance companies.
As the rates illustrate above, if you are currently insured with Electric and switched to USAA, you may see yearly savings of upwards of $789. Florida drivers with Amica may save as much as $807 a year, and Progressive policyholders might reduce prices by as much as $836 a year.
To compare your rates to other Florida insurance companies, click here to begin a quote or feel free to get quotes from the companies below.
Remember that these prices are averaged for all ages of drivers and types of vehicles and are not factoring in a specific location for postal workers. So the insurer that has the cheapest rates for you may not even be in the top 21 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
The vehicle model driven is a large factor when trying to find the lowest-priced car insurance for postal workers. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models.
The data below outlines insurance prices for a handful of the cheaper automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,147 |
| Honda CR-V EX 4WD | $1,174 |
| Ford Escape XLT 4WD | $1,183 |
| Toyota Prius | $1,273 |
| Honda Accord EX-L 4-Dr Sedan | $1,367 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,374 |
| Honda Odyssey EX-L W/Navigation | $1,432 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,457 |
| Ford Fusion SEL 4-Dr Sedan | $1,459 |
| Toyota Corolla XRS | $1,469 |
| Jeep Grand Cherokee Limited 2WD | $1,459 |
| Dodge Grand Caravan SE | $1,461 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,481 |
| Dodge Ram Crew Cab ST 4WD | $1,483 |
| Chevrolet Impala LT | $1,486 |
| Chevrolet Equinox LS AWD | $1,496 |
| Toyota Tacoma 2WD | $1,498 |
| Volkswagen Jetta 2.0T Station Wagon | $1,507 |
| Ford Explorer Eddie Bauer AWD | $1,517 |
| Ford Focus SE 2-Dr Coupe | $1,531 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can impact rates substantially.
Based upon these rates, you can conclude that vehicles like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius will definitely be a few of the most affordable vehicles to insure for postal employees.
Best auto insurance company in Orlando
Picking the top company is hard considering how many companies there are in Orlando. The company information listed below could help you analyze which car insurance providers to look at when insurance shopping for postal workers. These ratings are for companies with a national presence, so smaller companies will not be included in the list.
Top 10 Large Auto Insurers in Orlando Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Large Auto Insurers Overall in Orlando
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Discounts on Orlando auto insurance rates
Insurance companies that offer coverage for postal workers may also offer discounts that can reduce rates by as much as 40% or more if you meet the requirements. Larger auto insurance companies and some of their more popular discounts can be found below.
- State Farm may include discounts for anti-theft, driver’s education, accident-free, student away at school, Drive Safe & Save, and good driver.
- Farmers Insurance policyholders can earn discounts including electronic funds transfer, early shopping, mature driver, good student, and youthful driver.
- GEICO may have discounts that include military active duty, driver training, seat belt use, air bags, anti-lock brakes, good student, and multi-vehicle.
- American Family offers premium reductions for Steer into Savings, air bags, bundled insurance, mySafetyValet, early bird, and multi-vehicle.
- Nationwide offers discounts for easy pay, accident-free, business or organization, multi-policy, defensive driving, and good student.
- Progressive offers discounts including online signing, multi-vehicle, multi-policy, homeowner, online quote discount, good student, and continuous coverage.
The illustration below shows the comparison of insurance rates with and without discounts applied to the policy premium. The data assumes a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, vehicle safety, accident-free, anti-theft, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for postal workers is 28% or $815.
Impact of careless driving on Orlando auto insurance rates
The easiest method to earn affordable auto insurance rates in Orlando for postal employees is to drive carefully and avoid at-fault accidents and violations. The illustration below illustrates how speeding tickets and at-fault accidents can affect insurance costs for different age groups. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the example above, the average cost of a car insurance policy in Orlando per year with no accidents and a clean driving record is $1,486. Add in one speeding ticket and the average cost rises to $1,710, an increase of $224 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for postal workers goes up to an average of $2,330. That’s an increase of $844, or $70 per month, just for being a little careless behind the wheel!
Orlando car insurance rates
Orlando, FL auto insurance rates are based on many factors which can substantially change the price of coverage. Getting older, buying a home instead of renting, or getting a speeding ticket may cause policy rate changes that may make certain companies cheaper than before. Not only may things change on your end, but auto insurance companies change premium rates as needed in order to maintain liquidity for claims. A period of higher than normal claims may cause more expensive premiums, while a better claims history can result in cheaper Orlando car insurance rates.
The chart below analyzes the cheapest car insurance in Orlando, FL for a 35-year-old female driver with a clean driving record, no accidents, and good credit. If we look at prices based on her current rating profile, USAA may offer the best car insurance rates in Orlando at $1,145 per year. This is $1,303 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers round out the rest of the cheapest Orlando, FL auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable accident, slightly worse credit, and a speeding citation. Since each insurance company uses a different method to establish rates, comparing rates may result in a substantially altered list of the cheapest car insurance companies in Orlando as shown below.
USAA now has the lowest price in Orlando, FL with Allied, Esurance, GEICO, and State Farm completing the list. This illustrates why consumers need to take the time to perform a complete rate comparison to get cheap car insurance quotes for postal workers. Insurance rates are calculated by many factors and can decrease or increase without notice, so the cheapest rate the last time you checked may now be priced much higher than other options.