Wouldn’t it be so easy if we could tell you the single company that has the best deal on coverage for postal workers? It’s just not that easy, however, as there are many unknowns like the crime level of your neighborhood, if you own your own home, if you need full coverage or just liability, and how far you drive each year, that all impact the cost of your policy. This article delves into the best ways to avoid high prices and educate you enough to have a good start in finding the cheapest insurance in Miami.
Deciphering which company quotes the lowest-priced auto insurance rates for postal workers will take a bit more work than just quoting one company’s rates. Every car insurance company has their own guidelines to determine rates, so let’s take a look at the auto insurance companies with the overall best prices in Miami, FL.
Find Cheaper Auto Insurance for USPS Employees
|Rank||Company||Cost Per Year|
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USAA may have some of the lowest car insurance rates in Miami at around $977 per year. This is $1,471 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury also rank well as some of the most economical Miami, FL auto insurance companies.
In this example, if you have coverage with Progressive and switched to Electric, you may see a yearly price reduction of around $11. Florida drivers with Mercury could save as much as $150 a year, and Travelers customers might reduce rates by $181 a year.
Bear in mind that those policy rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for postal workers. So the auto insurance company that fits your needs best 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 data and vehicle information.
For postal employees, one of the more important components that are looked at to determine the price you pay for insurance is where you keep your car in Miami. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The table below lists the priciest cities in Florida for postal workers to purchase auto insurance in. Miami comes in at #2 with an annual rate of $3,241 for the average policyholder, which is around $270 per month.
|5||West Palm Beach||$2,679|
|20||Port St. Lucie||$1,994|
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Premium costs are estimated as specific location information can change prices considerably.
Types of discounts on Miami insurance
Insurance providers that offer coverage for postal workers may provide premium discounts that can reduce rates by 30% or more if you qualify. A few popular companies and their possible discounts include:
- State Farm includes discounts for good driver, defensive driving training, safe vehicle, anti-theft, multiple autos, and Drive Safe & Save.
- Nationwide has discounts for multi-policy, good student, accident-free, family plan, anti-theft, and business or organization.
- GEICO offers premium reductions for anti-lock brakes, emergency military deployment, military active duty, daytime running lights, seat belt use, multi-vehicle, and good student.
- AAA may offer discounts for multi-policy, good student, multi-car, pay-in-full, and anti-theft.
- 21st Century has savings for theft prevention, teen driver, defensive driver, student driver, and homeowners.
- The Hartford may have discounts that include defensive driver, anti-theft, vehicle fuel type, good student, bundle, and air bag.
The diagram below illustrates the comparison of annual premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, defensive driving course, accident-free, marriage, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for postal workers is 28% or $604.
Safe drivers pay cheaper rates
The best way to receive low auto insurance prices in Miami for postal employees is to drive cautiously and avoid at-fault accidents and violations. The illustration below demonstrates how speeding tickets and fender-benders increase auto insurance costs for different age categories. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of car insurance in Florida per year with no violations or accidents is $1,868. Receive one speeding ticket and the average cost increases to $2,120, an increase of $252 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for postal workers increases to an average of $2,814. That’s an increase of $946, or $79 per month, just for not driving carefully!
Why you are probably overpaying for car insurance
Florida auto insurance rates are calculated based on many things that will increase or decrease the price you pay for coverage. Simply having a birthday, adding a teenager to your policy, or getting a DUI can produce rate changes that can now make some companies cheaper than competitors. Additionally, insurance companies file new Florida car insurance rates every year in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in additional price hikes, while a profitable period can result in lower-priced Miami car insurance rates.
As an example, the bar chart below analyzes the cheapest car insurance in Miami, FL for a 45-year-old female driver with a clear driving record, no claims, and solid credit. Based on her personal profile, USAA has the cheapest car insurance rates in Miami at $1,811 each year. This is $637 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers round out the rest of the most affordable Miami, FL auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a chargeable claim, a lower credit rating, and a traffic citation. Because every insurance company has their own guidelines for determining rates, comparing prices may now result in a different list of the cheapest car insurance companies in Miami as shown below.
USAA now has the cheapest insurance rate in Miami, FL with Allied, State Farm, Esurance, and Auto-Owners now rounding out the top five. This example proves why it is so important to compare many different companies to get the cheapest insurance rates for postal workers. Prices can be determined by many things and can decrease or increase without notice, so the best option a year ago may now not even be in the top five.
If you aren’t clear which coverage you need and would like to have the advice of a professional agent when comparing insurance rates for postal employees, the agents below are willing to provide answers to your questions and help you determine which auto insurance policy would work best for you. To locate an agency by location nearest to you, click the button after the list.
Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543
Cari Insurance Agency Inc.
12890 NW 7th Ave – Miami, FL 33168 – (305) 685-0305
Mario Obregon – State Farm Insurance Agent
6701 Sunset Dr #115 – South Miami, FL 33143 – (305) 661-7667