Finding decent, affordable car insurance is not always easy, and figuring out which company quotes the most affordable insurance rates for postal workers will involve even more perseverance. Each company has a different formula for determining rates, so let’s begin by taking a look at the most budget-friendly insurance companies in Oakland.
It’s a good idea to know that California insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. Price variation is why Oakland drivers need to perform a complete rate comparison to find affordable auto insurance quotes for postal workers. Car insurance prices are impacted by many factors and can increase or decrease at any time, so the cheapest rate the last time you checked may now be one of the higher cost companies.
Find the Best Cheap Insurance for USPS Employees
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USAA quotes some of the best car insurance rates in Oakland at around $1,121 each year. Wawanesa, Nationwide, Century National, and CSAA are also some of the lowest-priced Oakland, CA auto insurance companies.
As the rates illustrate above, if you buy coverage from CSAA and switched to Wawanesa, you could earn savings of roughly $42. Policyholders with 21st Century could save as much as $187 a year, and Grange policyholders might lower prices by $241 a year.
Remember that these estimates are averages across all drivers and vehicles and and are not figured with a specific location for postal workers. So the auto insurance company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own individual information.
One of the many things that determine the cost of insurance is where you keep your car. Regions with larger populations or more claims tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The illustration below shows the most costly cities in California for postal workers to purchase car insurance in. Oakland is ranked #4 with an annual premium of $1,704 for the average insured, which is about $142 per month.
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Premium amounts are approximated as specific location information can decrease or increase coverage rates greatly.
Discount Oakland auto insurance
Auto insurance companies that provide policies for postal workers may have policy discounts that could lower prices by 35% or more if you meet specific eligibility requirements. Companies and a selection of discounts are detailed below.
- Progressive discounts include homeowner, good student, multi-policy, multi-vehicle, online signing, and continuous coverage.
- MetLife offers discounts for defensive driver, claim-free, accident-free, multi-policy, good driver, good student
- Mercury Insurance offers discounts including multi-policy, good driver, anti-theft, type of vehicle, professional/association, low natural disaster claims, and good student.
- Nationwide has discounts for defensive driving, good student, family plan, Farm Bureau membership, easy pay, business or organization, and accident-free.
- GEICO offers premium reductions for multi-vehicle, defensive driver, membership and employees, anti-lock brakes, emergency military deployment, and multi-policy.
- AAA may offer discounts for AAA membership discount, good student, good driver, anti-theft, multi-policy, and education and occupation.
The illustration below illustrates the comparison of insurance costs with and without discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, multiple vehicle, vehicle safety, homeowner, marriage, and passive restraint discounts applied. When discounts are applied, theaverage yearly reduction on insurance for postal workers is 28% or $516.
Oakland insurance companies
Choosing a good quality car insurance company is hard considering how many companies sell coverage in California. The company information shown next can help you select which auto insurance companies to look at comparing rates with.
The ratings below only include companies that insure vehicles across America, so companies without a large exposure are not included in the list. If you would like to check rates from the insurers below and more, just click here.
Top 10 Major Auto Insurers in Oakland Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
How much more does full coverage cost in Oakland?
Reducing the cost of insurance should be important to most vehicle owners, and one great way to save on the cost of insurance for postal workers is to only buy liability insurance. The information below shows the comparison of auto insurance costs with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no claims or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $2,525 per year over liability only. Many drivers will wonder if it’s a good idea to buy full coverage. There is no clear-cut rule for eliminating full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your vehicle’s book value is $11,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $10,500 after paying your deductible. If you are paying in excess of $1,050 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
If you aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for cheaper insurance for postal employees, the agents shown below can help you decide which policy is best.
To locate an Oakland car insurance agency closest to you, click the button at the bottom of the list.
Thandi Insurance Brokerage
2859 Mandela Pkwy – Oakland, CA 94608 – (510) 452-1566
Farmers Insurance – Sharon Li
320 13th St #103 – Oakland, CA 94612 – (510) 986-1128
Fred Loya Insurance
1620 High St STE B – Oakland, CA 94601 – (510) 434-1801