The vehicle to be insured is a large consideration that determines whether or not you find cheap coverage for postal workers. Vehicles with more horsepower, poor crash test ratings, or high incidents of liability claims will cost much more to insure than more modest models. The next table ranks car insurance rates for the most economical automobiles to insure in Oregon.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,551 |
| Ford Focus SE 4-Dr Sedan | $1,575 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,607 |
| Chevrolet Impala LT | $1,617 |
| Ford F-150 XL Regular Cab 2WD | $1,612 |
| Dodge Grand Caravan SXT | $1,636 |
| Ford Escape XLS 2WD | $1,662 |
| Honda Accord EX 4-Dr Sedan | $1,672 |
| Toyota Tacoma X-Runner 2WD | $1,691 |
| Honda Odyssey EX-L W/Navigation | $1,699 |
| Toyota Corolla XLE | $1,691 |
| Toyota Prius | $1,715 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,721 |
| Jeep Grand Cherokee SRT-8 4WD | $1,727 |
| Nissan Rogue S AWD | $1,721 |
| Chevrolet Equinox LTZ AWD | $1,727 |
| Ford Edge SEL AWD | $1,802 |
| Get a Custom Quote Go | |
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in vehicle garaging location which can raise or lower prices substantially.
Looking at the rates, you can assume that models like the Honda CR-V, Ford Focus, and Chevrolet Silverado are going to be some of the less-costly vehicles to insure for postal employees.
Figuring out which companies offer the most affordable auto insurance rates for postal workers takes a bit more work than just quoting one company’s rates. Each auto insurance company has their own guidelines for setting rates, so let’s take a look at the most budget-friendly auto insurance companies in Portland, OR.
It’s important that readers know that Oregon auto insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Getting older, buying a different home, or getting a driving violation can trigger changes in premium resulting in some companies being cheaper than competitors.
Cheapest Insurance Rates for USPS Employees
Grange offers some of the cheapest car insurance rates in Portland at around $708 each year. Oregon Mutual, Country, Travelers, and USAA are also some of the lowest-priced Portland, OR auto insurance companies.
In the above rates, if you are insured with Country and switched to Grange, you may realize an annual savings of roughly $139. Customers with Travelers could save as much as $206 a year, and USAA customers might realize rate reductions of up to $262 a year.
It’s important to note that these premium estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for postal workers. So the company that can offer the best rates for your situation may not even be in the top 22 companies in the list above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.
For postal employees, one of the largest components that aid in calculating car insurance rates is where you normally keep your vehicle. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The following table lists the most expensive areas in Oregon for postal workers to purchase car insurance in. Portland is listed at #2 with an annual premium of $1,544 on average, which is about $129 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Gresham | $1,622 |
| 2 | Portland | $1,544 |
| 3 | Oregon City | $1,444 |
| 4 | Lake Oswego | $1,420 |
| 5 | Beaverton | $1,412 |
| 6 | Forest Grove | $1,401 |
| 7 | Hillsboro | $1,393 |
| 8 | Newberg | $1,377 |
| 9 | Aloha | $1,363 |
| 10 | West Linn | $1,362 |
| 11 | Woodburn | $1,359 |
| 12 | Keizer | $1,351 |
| 13 | Tigard | $1,336 |
| 14 | McMinnville | $1,325 |
| 15 | Salem | $1,320 |
| 16 | Tualatin | $1,312 |
| 17 | Redmond | $1,247 |
| 18 | Bend | $1,236 |
| 19 | Roseburg | $1,196 |
| 20 | Grants Pass | $1,191 |
| 21 | Albany | $1,188 |
| 22 | Springfield | $1,170 |
| 23 | Eugene | $1,157 |
| 24 | Medford | $1,157 |
| 25 | Corvallis | $1,132 |
| Get a Custom Quote Go | ||
Prices are comparative as the specific area where the vehicle is garaged can decrease or increase price quotes substantially.
Cost of full coverage in Portland
Reducing the cost of auto insurance is probably important to the majority of people, and a great way to reduce the cost of insurance for postal workers is to not insure for full coverage. The diagram below shows the difference between insurance costs with full coverage compared to only the Oregon minimum liability coverage. The information is based on no accidents, no driving violations, $500 deductibles, single marital status, and no policy discounts are applied.
If averaged out across all ages, physical damage coverage on your policy costs an extra $2,042 per year over and above liability coverage. Many of you may wonder if you should buy full coverage at all. There is no exact rule for phasing out full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,500 after the deductible is paid. If it’s costing in excess of $350 annually for physical damage coverage, then you may need to consider dropping full coverage.
Auto insurance company ratings
Buying coverage from the best auto insurance company can be difficult considering how many companies sell insurance in Portland. The information in the next section can help you decide which companies to look at when trying find the best insurance for postal workers. These ratings are for companies that write coverage in many states, so smaller companies are not included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly car insurance for postal workers
It is possible to find better rates, and here are a few money-saving solutions that can help drivers get more affordable coverage.
- Do not get traffic citations
- Drive a car with a high safety rating
- Too many claims can make car insurance unaffordable
- Buy your auto and home insurance from the same company and save
- Remain accident-free and save
- Remove physical damage coverage on older vehicles
- Shop around for cheaper prices often
The last idea is certainly valuable, as we hit on in this article. Prices charged by car insurance companies change a lot, so drivers shouldn’t be resistant to buy a policy from a new company if a better rate can be found.
Many drivers prefer to stick with one company, but is isn’t recommended if it’s costing you a fortune every year. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for postal workers in Portland.