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.
Find Cheaper Car Insurance for USPS Employees
|Rank||Company||Cost Per Year|
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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.
|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|
|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.
|Rank||City||Premium Per Year|
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Premium costs are approximated as the specific Nashville residence address can impact rates significantly.
Discount Nashville auto insurance rates
Insurance 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.
- State Farm offers premium reductions for student away at school, multiple autos, Drive Safe & Save, anti-theft, safe vehicle, and multiple policy.
- Progressive policyholders can earn discounts including online signing, continuous coverage, multi-policy, online quote discount, and homeowner.
- Progressive offers discounts for multi-policy, multi-vehicle, continuous coverage, online quote discount, and homeowner.
- MetLife offers discounts including claim-free, defensive driver, accident-free, good student, and multi-policy.
- Farm Bureau includes discounts for good student, multi-vehicle, multi-policy, renewal discount, youthful driver, 55 and retired, and driver training.
- GEICO has discounts for membership and employees, anti-lock brakes, multi-vehicle, federal employee, emergency military deployment, military active duty, and driver training.
- SAFECO discounts include drive less, multi-car, accident prevention training, bundle discounts, teen safety rewards, and teen safe driver.
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.
- Better credit rating means better rates
- Raise deductibles
- Claim-free drivers earn discounts
- Avoid getting tickets or violations
- Home or renters coverage can save on auto insurance
- Drive attentively and avoid accidents
- Compare rates regularly and switch companies to save money
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 Pike – Nashville, TN 37209 – (615) 356-4800
Wally Knox – State Farm Insurance Agent
5110 Delaware Ave – Nashville, TN 37209 – (615) 297-3527
Jordan Drake – State Farm Insurance Agent
345 Harrison St – Nashville, TN 37219 – (615) 826-1200