What Insurance is Cheapest for Postal Workers in Scottsdale?

The words “affordable” and “insurance” really should not be used together, specifically when shopping around for the best price on coverage for postal workers. Let’s start off by going over some situations that influence car insurance premiums, and see if you can take a little off the next policy you buy.

The car, truck, or SUV to be insured is probably the largest consideration when comparison shopping for economical insurance for postal workers. Vehicles with higher performance characteristics, a lack of modern safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The list below ranks insurance costs for a selection of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Scottsdale, AZ
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,473
Honda Accord LX-P 4-Dr Sedan $1,575
Ford F-150 STX Regular Cab 2WD $1,578
Ford Escape Limited 2WD $1,613
Ford Edge Limited 2WD $1,667
Dodge Grand Caravan Hero $1,699
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,721
Ford Explorer XLT 2WD $1,762
Toyota Prius $1,797
Jeep Grand Cherokee SRT-8 4WD $1,824
Volkswagen Jetta SE 4-Dr Sedan $1,831
Chevrolet Silverado LS Regular Cab 2WD $1,853
Chevrolet Equinox LT 2WD $1,864
Chevrolet Malibu Hybrid $1,870
Toyota RAV4 Limited 2WD $1,921
Honda Civic EX 4-Dr Sedan $1,929
Ford Focus SES 4-Dr Sedan $1,935
Ford F-350 XL Super Cab 2WD $1,937
Toyota Camry Hybrid $1,945
Kia Optima SX $1,955
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can affect insurance rates greatly.

Looking at the rates, we can assume that models like the Honda CR-V, Honda Accord, Ford F-150, and Ford Escape will definitely be a few of the most affordable vehicles to insure for postal employees.

Deciding which companies offer the cheapest car insurance rates for postal workers will require a bit more effort than just getting one or two price quotes. Each insurer uses their own calculation for establishing rates, so to begin we’ll rank the most competitive car insurance companies in Scottsdale, AZ.

It’s important to understand that Scottsdale, AZ car insurance rates are based on many factors that may substantially change the policy premium. Simply turning a year older, buying a new vehicle, or getting a reckless driving citation can trigger rate changes that can now make some companies more affordable than before.

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Cheapest Arizona car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $811
2 Safeco $923
3 Auto-Owners $924
4 Travelers $1,075
5 USAA $1,091
6 Progressive $1,152
7 GEICO $1,177
8 Ameriprise Group $1,184
9 CSAA $1,189
10 Allied $1,245
11 Farm Bureau Mutual $1,297
12 Unitrin $1,317
13 Safe Auto $1,323
14 State Farm $1,364
15 Farmers $1,378
16 Titan $1,418
17 American Family $1,420
18 Amica $1,473
19 Safeway $1,554
20 MetLife $1,567
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The Hartford has some of the cheapest car insurance rates in Scottsdale at around $811 annually. Safeco, Auto-Owners, Travelers, and USAA also qualify as some of the most economical Scottsdale, AZ insurance companies.

As illustrated above, if you are insured with USAA and switched to Safeco, you might see a yearly savings of about $168. Customers with Progressive might save as much as $229 a year, and GEICO customers might see rate reductions of $254 a year.

Bear in mind that those policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for postal workers. So the company that fits your age and vehicle best may not even be in the list above. That point stresses why you need to get quotes using your own personal information and vehicle type.

For postal employees, one of the big considerations that aid in calculating car insurance rates is your zip code. Areas with more people or higher crime rates likely pay more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The table below shows the most expensive places in Arizona for postal workers to buy auto insurance in. Scottsdale comes in at #4 with an annual cost of $1,163 for coverage, which is approximately $97 monthly.

How much does car insurance cost in Scottsdale, AZ?
Rank City Annual Premium
1 Phoenix $1,255
2 Glendale $1,190
3 Avondale $1,174
4 Scottsdale $1,163
5 Buckeye $1,156
6 Gilbert $1,154
7 San Tan Valley $1,150
8 Peoria $1,126
9 Mesa $1,125
10 Goodyear $1,120
11 Tempe $1,118
12 Chandler $1,115
13 Catalina Foothills $1,082
14 Surprise $1,080
15 Casa Grande $1,079
16 Maricopa $1,074
17 Tucson $1,061
18 Casas Adobes $1,050
19 Oro Valley $1,031
20 Yuma $992
21 Flagstaff $931
22 Prescott $914
23 Sierra Vista $872
24 Bullhead City $869
25 Lake Havasu City $844
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Rates are approximated as the specific zip code location can change auto insurance rates greatly.

Buying coverage from a good quality auto insurance company can be difficult considering how many different insurance companies sell coverage in Scottsdale. The company ratings in the next section can help you analyze which car insurance companies to look at shopping prices with.

The rankings below are for large nationwide companies, so companies that may only write in Arizona are not included in these rankings. To get price quotes from the insurers below and more, simply click here.

Top 10 Large Auto Insurance Companies in Scottsdale Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Large Auto Insurance Companies in Scottsdale Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Responsible drivers pay cheaper car insurance rates

The ideal way to get cheap car insurance rates in Arizona for postal employees is to be a cautious driver and avoid tickets and accidents. The illustration below shows how traffic citations and accidents raise insurance rates for each different age category. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

The data above shows the average cost of a car insurance policy in Scottsdale per year with no violations or accidents is $1,605. Get written up for one speeding ticket and the average cost swells to $1,847, an increase of $242 each year. Then include two accidents along with the one speeding ticket and the annual cost of car insurance for postal workers goes up to an average of $4,027. That’s an increase of $2,422, or $202 per month, just for not driving responsibly!

Difference between liability only and full coverage rates

Buying cheaper car insurance should be important to the majority of people, and one of the quickest ways to buy cheaper insurance for postal workers is to buy liability only. The example below shows the comparison of insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data assumes no claims or driving violations, $250 deductibles, marital status is single, and no discounts are factored in.

If averaged for all ages, physical damage coverage costs an extra $2,107 per year over and above liability only. Many of you may wonder when is the right time to remove full coverage. There isn’t a steadfast formula of when to exclude physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after the deductible is paid. If premiums are more than $300 annually to have full coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Why you should compare rates

Scottsdale, AZ car insurance rates are impacted by many factors that control the cost of your policy. Turning one year older, filing a claim, or having an accident can cause premium changes that can now make some companies more affordable than before.

Not only may things change on your end, but insurance companies modify pricing at least once a year to ensure their profitability. Significantly higher losses may cause high rates, while a profitable period may result in lower-priced Scottsdale car insurance rates.

As an example, the chart below shows the companies that have the cheapest car insurance in Scottsdale, AZ for a 30-year-old male driver with no prior accidents, a clean driving record, and good credit. When quoting prices based on his personal risk profile, The Hartford may have the lowest car insurance rates in Scottsdale at $1,107 each year. This is $321 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers round out the rest of the top five cheapest Scottsdale, AZ auto insurance companies.

The example below compares rates after we give the driver in the first example an accident surcharge, slightly worse credit, and a couple of points charged on his driving record. Due to the fact that each insurance company has a proprietary formula for setting rates, comparing quotes will most likely result in a new list of affordable companies as shown below.

GEICO now has the lowest price on auto insurance in Scottsdale with Ameriprise Group, CSAA, Auto-Owners, and Allied now rounding out the top five. This demonstrates why drivers need to compare rates when trying to get the best car insurance rates for postal workers.

Insurance rates are determined by many things and can decrease or increase without notice, so the lowest-price company three years ago may now be priced much higher than other options.

The agents shown below can probably provide answers to your questions and help you determine which policy fits your needs best, as some drivers aren’t sure which coverage they need and prefer to get some guidance when shopping for the best coverage for postal employees. It’s not always easy to find the best coverage on your own, and using a licensed agent can give you satisfaction knowing your policy gives you suitable coverage if you have an accident. To locate a Scottsdale auto insurance agent nearest to you, click the button at the bottom of the list.

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