Who Has Affordable Auto Insurance for Postal Workers in Nashville?

Deciphering which company has the cheapest auto insurance rates for postal workers will require a little more sweat in order to find a policy that fits your budget. Every auto insurer uses a little different formula for determining rates in each state, so let’s rank the lowest cost auto insurance companies in Nashville, TN.

It’s important to understand that Nashville, TN auto insurance rates are impacted by many factors that control the cost of a policy. Simply having another birthday, getting married, or getting a ticket for careless driving can trigger price changes that may make certain companies cheaper in comparison to the competition.

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Cheapest Tennessee auto insurance companies
Rank Company Cost Per Year
1 Utica National $760
2 Auto-Owners $861
3 Cincinnati Insurance $884
4 Penn National $899
5 Tennessee Farmers $923
6 Erie $957
7 USAA $957
8 Nationwide $1,012
9 Allied $1,029
10 Westfield $1,037
11 GEICO $1,110
12 Travelers $1,165
13 State Farm $1,165
14 Progressive $1,190
15 The Hartford $1,208
16 Shelter $1,235
17 Direct General $1,238
18 State Auto $1,254
19 Chubb $1,290
20 21st Century $1,300
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Utica National may have some of the lowest car insurance rates in Nashville at around $760 per year. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers would also be considered some of the cheapest Nashville, TN insurance companies.

In the above rates, if you buy coverage from Penn National and switched to Auto-Owners, you might see savings of about $38. Policyholders with Tennessee Farmers could save as much as $62 a year, and Erie insureds might see rate reductions of $96 a year.

If you would like to find cheaper car insurance rates, click here to get a free quote or visit several of the following companies.

Understand that those premium estimates are averaged across all drivers and vehicles and do not take into consideration an exact vehicle garaging location for postal workers. So the car insurance company that has the cheapest price for you may not even be in the top 30 companies shown above. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.

The type of vehicle you are buying coverage for is a significant factor when consumers are trying to find the lowest-priced insurance for postal workers. Vehicles with high performance, a lack of safety features, or high incidents of liability claims will cost much more to insure than more modest models.

The information below showcases insurance rates for a selection of the cheaper automobiles to insure in Tennessee.

Cheapest Vehicles to Insure in Nashville, TN
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,077
Honda CR-V LX 2WD $1,207
Volkswagen Jetta SE 2.5 Station Wagon $1,230
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,270
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,328
Jeep Grand Cherokee Limited 2WD $1,335
Honda Odyssey Touring $1,345
Hyundai Sonata GLS 4-Dr Sedan $1,338
Ford F-350 XLT Super Cab 2WD $1,361
Dodge Ram Quad Cab SLT 2WD $1,368
Honda Accord EX 2-Dr Coupe $1,403
Ford Focus SES 2-Dr Coupe $1,411
Toyota Camry Hybrid $1,426
Kia Optima SX $1,433
Toyota RAV4 Limited 4WD $1,429
Chevrolet Equinox LS AWD $1,437
Toyota Prius $1,433
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,450
Nissan Altima 3.5 SR 2-Dr Coupe $1,491
Toyota Corolla XLE $1,503
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific location which can increase or decrease coverage prices substantially.

Looking at the data, we can tell that cars like the Ford Escape, Honda CR-V, Volkswagen Jetta, and Toyota Tacoma are most likely to be the more affordable vehicles to insure for postal employees.

One of the more important factors that aid in calculating the annual cost of car insurance is where your car is garaged. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The information below shows the most expensive cities in Tennessee for postal workers to buy an auto insurance policy in. Nashville is ranked #8 with an annual premium of $1,201 for the average insurance policy, which is approximately $100 each month.

How much is car insurance in Nashville?
Rank City Premium Per Year
1 Memphis $1,446
2 Bartlett $1,419
3 Germantown $1,334
4 Collierville $1,309
5 Jackson $1,266
6 Oak Ridge $1,223
7 Knoxville $1,218
8 Nashville $1,201
9 Spring Hill $1,193
10 Murfreesboro $1,183
11 Smyrna $1,183
12 Columbia $1,178
13 Maryville $1,172
14 Cookeville $1,171
15 Clarksville $1,170
16 Gallatin $1,155
17 La Vergne $1,151
18 Chattanooga $1,149
19 Brentwood $1,133
20 Franklin $1,129
21 Morristown $1,125
22 Hendersonville $1,124
23 Cleveland $1,102
24 Kingsport $1,068
25 Johnson City $1,063
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Premium costs are approximated as the specific Nashville residence address can impact rates significantly.

Discount Nashville auto insurance rates

Auto insurance for postal employees in Nashville, TNInsurance companies that sell policies for postal workers may also give you special discounts that could reduce prices by as much as 35% if you can meet the requirements. Companies and some of the premium reductions they offer are included below.

The example below visualizes the comparison of premium costs with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no claims, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, vehicle safety, claim-free, multiple policy, anti-theft, and multiple vehicle discounts applied. In this example, theaverage amount saved on auto insurance for postal workers is 28% or $564.

Rate comparison of full coverage and liability-only

Saving money when shopping for auto insurance should be important to most vehicle owners, and a good way to save on the cost of insurance for postal workers is to not insure for full coverage. The diagram below shows the difference between auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Tennessee. Data assumes no claims, a clean driving record, $1,000 deductibles, single marital status, and no other discounts are factored in.

If the expense is averaged for all age categories, full coverage costs an extra $1,620 per year more than carrying just liability coverage. That is a large expense and it proposes the question if buying full coverage is worth the money. There is no set rule of when to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s settlement value is $11,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $10,000 after you pay the deductible. If it’s costing in excess of $1,000 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Safe drivers Nashville pay cheaper rates

One of the best ways to snag the cheapest auto insurance prices in Tennessee for postal employees is to pay attention while driving and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and accidents impact auto insurance costs for each different age group. The information is based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

In the example above, the average cost of an auto insurance policy in Nashville per year with no accidents or violations is $1,446. Get written up for two speeding tickets and the average cost swells to $1,939, an increase of $492 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for postal workers goes up to an average of $3,750. That’s an increase of $2,304, or $192 per month, just for not driving responsibly!

How to find economical auto insurance for postal workers

Here are a few money-saving ideas that can help Tennessee drivers quote cheaper coverage.

The last tip is notably crucial, as we discussed in the article above. Car insurance rates can change considerably based on profitability, so you should be ready to switch to a new company if you can save money. Many drivers prefer to stick with one company, but it’s not a good idea if that stubbornness costs you big bucks every year. In less than five minutes you could shop around and find cheaper insurance for postal workers in Nashville.

The auto insurance agents in Nashville shown below can provide answers to your questions and help you determine which coverage fits your budget, since some people have coverage questions and would like to have a little guidance when shopping around for cheaper insurance for postal employees. It can be complicated to find the best coverage on your own, so insurance agents can provide comfort knowing you have adequate coverage when you need it most.

To find an agent close to where you live, click the button below the list.

Allstate Insurance: Royce Williams
5517 Charlotte PikeNashville, TN 37209(615) 356-4800

Wally Knox – State Farm Insurance Agent
5110 Delaware AveNashville, TN 37209(615) 297-3527

Jordan Drake – State Farm Insurance Agent
345 Harrison StNashville, TN 37219(615) 826-1200

View more Nashville, TN insurance agents