The vehicle model that is being insured is probably the biggest factor when comparison shopping for cheaper insurance for postal workers. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost more to insure than safer models. The information below shows car insurance premiums for the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,020 |
| Ford Escape Limited 2WD | $1,028 |
| Hyundai Elantra SE Touring Station Wagon | $1,085 |
| Toyota Prius | $1,108 |
| Ford F-150 XL Crew Cab 2WD | $1,119 |
| Toyota Tacoma 4WD | $1,124 |
| Chevrolet Impala LT | $1,185 |
| Honda Odyssey LX | $1,243 |
| Nissan Rogue S 2WD | $1,266 |
| Ford Fusion SEL 4-Dr Sedan | $1,270 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,279 |
| Dodge Grand Caravan SE | $1,272 |
| GMC Sierra SL Extended Cab 2WD | $1,293 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can decrease or increase price quotes greatly.
Based upon the rates shown, you can see that vehicles like the Honda CR-V, Ford Escape, and Hyundai Elantra are most likely going to be a few of the cheaper vehicles to insure for postal employees.
Establishing which company offers the best insurance rates for postal workers takes a little more work in order to find the best price. Each insurer uses a slightly different approach to establish rates, so we’ll take a look at the insurance companies that tend to have lower prices in Omaha, NE.
It’s important that readers know that Omaha, NE insurance rates are based on many factors that may substantially change the price you pay for coverage. Getting older, getting married, or getting a driving violation can cause premium changes resulting in some companies being more affordable than others.
Find Cheaper Auto Insurance for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $873 |
| 3 | Allied | $921 |
| 4 | Auto-Owners | $923 |
| 5 | Farm Bureau Mutual | $990 |
| 6 | Nationwide | $997 |
| 7 | Farmers Mutual of Nebraska | $1,009 |
| 8 | State Farm | $1,043 |
| 9 | General Casualty | $1,092 |
| 10 | American National | $1,098 |
| 11 | USAA | $1,128 |
| 12 | American Family | $1,284 |
| 13 | MetLife | $1,293 |
| 14 | Iowa Mutual | $1,295 |
| 15 | EMC | $1,300 |
| 16 | GEICO | $1,308 |
| 17 | California Casualty | $1,309 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,710 |
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Safeco normally has some of the best car insurance rates in Omaha at around $780 per year. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual also rank well as some of the more affordable Omaha, NE insurance companies.
As the example above demonstrates, if you are a policyholder with Auto-Owners and switched to Safeco, you may realize a yearly price reduction of about $143. Insureds with Farm Bureau Mutual could save as much as $210 a year, and Nationwide policyholders might see rate reductions of $217 a year.
If you would like to find cheaper car insurance rates, click here or visit any of the low-priced companies below.
Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific location for postal workers. So the insurer that can offer you the lowest price may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.
For postal employees, one of the largest factors that are used to help calculate auto insurance rates is where you choose to live. More populated areas will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The following table sorts the highest-priced areas in Nebraska for postal workers to buy an auto insurance policy in. Omaha ranks #12 with an annual rate of $1,220 for the average insurance policy, which is around $102 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Gering | $1,343 |
| 3 | South Sioux City | $1,303 |
| 4 | Alliance | $1,300 |
| 5 | McCook | $1,292 |
| 6 | Beatrice | $1,272 |
| 7 | Lexington | $1,264 |
| 8 | North Platte | $1,262 |
| 9 | Crete | $1,246 |
| 10 | Blair | $1,236 |
| 11 | Nebraska City | $1,224 |
| 12 | Omaha | $1,220 |
| 13 | Seward | $1,215 |
| 14 | Kearney | $1,200 |
| 15 | Columbus | $1,185 |
| 16 | Hastings | $1,182 |
| 17 | La Vista | $1,162 |
| 18 | York | $1,156 |
| 19 | Bellevue | $1,155 |
| 20 | Fremont | $1,142 |
| Compare Rates Now Go | ||
Premium amounts are approximated as zip code location can affect coverage rates considerably.
Selecting a high-quality company can be rather challenging considering how many different companies insure vehicles in Nebraska. The company information in the next section can help you select which car insurance providers to look at comparing rate quotes with. These ratings include the largest companies in the United States, so smaller regional companies will not be included in these rankings.
Top 10 Large Auto Insurers in Omaha Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Top 10 Large Auto Insurers in Omaha Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
The example below illustrates how your choice of deductibles can change insurance rates when trying to find cheap insurance for postal workers. The data is based on a married female driver, full coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could cut expenses by $236 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $358 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could drop their prices up to $508 or even more by choosing a larger deductible amount. When increasing deductibles, it is essential to have enough funds in savings to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discounts on Omaha insurance rates
Car insurance companies that provide coverage for postal workers could also offer policy discounts that could reduce prices by 25% or more if you are eligible to receive them. A list of companies and a partial list of their discounts are shown below.
- Esurance includes discounts for multi-policy, paid-in-full, defensive driver, good driver, online quote, and renters.
- The Hartford offers discounts for good student, air bag, defensive driver, anti-theft, bundle, and driver training.
- AAA has savings for good driver, pay-in-full, education and occupation, anti-theft, AAA membership discount, and multi-car.
- GEICO offers premium reductions for membership and employees, anti-theft, multi-policy, good student, and seat belt use.
- State Farm offers discounts including multiple policy, defensive driving training, safe vehicle, good student, passive restraint, and anti-theft.
The illustration below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, homeowner, passive restraint, multiple policy, accident-free, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for postal workers is 28% or $372.
If you prefer to have professional advice when shopping for the best coverage for postal workers, the agents below can probably aid you in deciding which coverage meets your needs best.
To locate an Omaha car insurance agency using an interactive map, click the button following the list or click here to get price quotes now.
State Farm Insurance: Cory Juma
15665 Harrison St K – Omaha, NE 68136 – (402) 891-6161
Daniel Kershaw – State Farm Insurance Agent
3525 N 147th St #209 – Omaha, NE 68116 – (402) 333-5108
Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700
Angie Lintz – State Farm Insurance Agent
5484 North 90th Street – Omaha, NE 68134 – (402) 991-7366
View more Omaha, NE insurance agents
How to find economical insurance for postal workers
The list below summarizes many penny-pinching ideas that can help Omaha drivers get more affordable auto insurance.
- Increase your policy deductibles
- Save money by obeying traffic laws and keeping a clean driving record
- Vehicles with good safety ratings have lower liability rates
- Remain accident-free and save
- On older vehicles, drop full coverage
- Drivers with good credit ratings often pay less
- Compare rates regularly to ensure the best deal
That last tip is extremely critical, as we hit on in the article above. Rates vary considerably, so don’t be tentative to buy from a different company if you find a cheaper price.
Loyalty to a specific company is fine, but is isn’t recommended if that dedication is costing money that could be going to better use. Spend a few minutes and compare prices to find cheaper insurance for postal workers in Omaha.