Who Has the Cheapest New Orleans Auto Insurance for Postal Workers?

The words “low-cost” and “insurance” probably shouldn’t be used together, in particular when you are shopping around for the cheapest car insurance for postal workers. To help control this cost, let’s teach you some situations that have an effect on auto insurance premiums, and figure out some ways to lower the cost of your next policy.

The make and model of vehicle you are seeking coverage for is a large consideration when comparing quotes for the most economical car insurance for postal workers. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost more to insure than safer models.

The list below ranks insurance premiums for some of the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in New Orleans, LA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,579
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,585
Ford Edge SEL AWD $2,732
Chevrolet Silverado LT Extended Cab 4WD $2,787
Volkswagen Jetta S 2.5 Station Wagon $2,804
Ford Explorer Eddie Bauer 4WD $2,839
Ford Escape Limited 4WD $2,873
Honda Odyssey EX-L W/Navigation $2,936
Toyota Prius $2,942
Chevrolet Malibu LTZ $2,987
Jeep Grand Cherokee Limited 2WD $2,995
Dodge Grand Caravan Hero $3,053
Toyota RAV4 Limited 2WD $3,061
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in specific zip code location which can increase or decrease insurance rates considerably.

Based upon the rates shown, cars like the Honda CR-V, Jeep Wrangler, and Ford Edge are the most economical vehicles to insure for postal employees.

One of the more important things that are used to help calculate car insurance rates is where your residence is. Areas with more people or more claims are more likely to have higher rates, whereas areas with less crime or weather claims receive better rates.

The table below ranks the most expensive places in Louisiana for postal workers in which to purchase auto insurance. New Orleans shows up at #1 with a yearly premium of $2,856 for the average insured, which is about $238 per month.

How much does car insurance cost in New Orleans, LA?
Rank City Annual Premium
1 New Orleans $2,856
2 Harvey $2,589
3 Terrytown $2,555
4 Marrero $2,494
5 Metairie $2,254
6 Baton Rouge $2,231
7 Central $2,201
8 Kenner $2,159
9 Shenandoah $2,139
10 Prairieville $2,105
11 Hammond $2,065
12 Alexandria $2,034
13 Laplace $2,031
14 Monroe $1,989
15 Slidell $1,957
16 Sulphur $1,954
17 Lafayette $1,936
18 Lake Charles $1,915
19 Shreveport $1,876
20 New Iberia $1,871
Find the Best Rates Go

Information shown are comparative as the specific area where the vehicle is garaged can influence price quotes substantially.

The diagram below shows how different deductible levels can increase or decrease annual premium costs when getting quotes for cheap insurance for postal workers. The data is based on a single female driver, full coverage, and no discounts are taken into consideration.

As shown above, a 30-year-old driver could pocket $590 a year by increasing from a $100 deductible up to a $500 deductible, or save $886 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can cut up to $1,310 or even more by choosing larger deductibles on their policy. When using a larger deductible, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Get discount New Orleans insurance

Discounts on auto insurance for postal workersCar insurance companies that offer cheap quotes for postal workers may provide price discounts that could reduce prices by 40% or more if you meet eligibility requirements. Popular auto insurance companies and their offered discounts are outlined below.

The diagram below shows the difference between insurance premiums with and without discounts. The rate quotes are based on a female driver, no accidents or driving violations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, accident-free, defensive driving course, passive restraint, marriage, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for postal workers is 28% or $953.

How to find low-cost car insurance for postal workers

It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help Louisiana drivers get low-cost coverage.

That final tip is extraordinarily critical, as was noted in this piece. Coverage rates can be changed at any time, so you should be ready to buy a policy from a new company if a lower-cost policy is available.

Many drivers prefer to stick with one company, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. Take a few minutes and compare rates and find cheaper insurance for postal workers in New Orleans.