How Much are Auto Insurance Quotes for Postal Workers in Laredo?

The make and model of vehicle to be insured is a significant factor that determines whether or not you can buy cheaper car insurance for postal workers. Vehicles with high performance, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.

The next list outlines insurance prices for the most cost-effective automobiles to insure in Texas.

Cheapest Vehicles to Insure in Laredo, TX
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,445
Ford Escape Limited 2WD $1,530
Chevrolet Equinox LS 2WD $1,561
Hyundai Elantra SE Touring Station Wagon $1,574
Toyota Prius $1,608
Volkswagen Jetta S 2.5 Station Wagon $1,611
Dodge Grand Caravan SE $1,613
Honda Odyssey EX-L $1,644
Jeep Grand Cherokee Limited 4WD $1,673
Ford Edge SE AWD $1,675
Chevrolet Silverado LT Extended Cab 4WD $1,709
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,717
Ford Explorer Eddie Bauer 4WD $1,743
Ford Focus SES 2-Dr Coupe $1,758
Toyota RAV4 4WD $1,761
Ford Fusion S 4-Dr Sedan $1,770
Hyundai Sonata Limited 4-Dr Sedan $1,787
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,800
Chevrolet Malibu LT $1,805
Ford F-150 Lariat Super Cab 2WD $1,800
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in your specific Laredo, TX location which can lower or raise prices noticeably.

Based upon the rates shown, models like the Honda CR-V, Ford Escape, and Chevrolet Equinox will be the most affordable vehicles to insure for postal employees.

For postal employees, one of the big criteria that are used to help calculate the cost of insurance is where you live in Laredo. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.

The information below rates the most expensive places in Texas for postal workers to buy an auto insurance policy in. Laredo is ranked at #5 costing $1,833 for the average policy, which is approximately $153 each month.

Car insurance prices in Laredo
Rank City Annual Rate
1 McAllen $1,956
2 Dallas $1,911
3 Brownsville $1,908
4 Houston $1,835
5 Laredo $1,833
6 Pasadena $1,812
7 Amarillo $1,804
8 Garland $1,778
9 Mesquite $1,771
10 Grand Prairie $1,757
11 San Antonio $1,739
12 Beaumont $1,720
13 Irving $1,719
14 Lubbock $1,716
15 Austin $1,676
16 Carrollton $1,664
17 Arlington $1,658
18 Corpus Christi $1,636
19 El Paso $1,616
20 McKinney $1,609
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Price information shown is estimated as specific location information can influence rates considerably.

Choosing a good quality company can be difficult considering how many companies there are in Laredo. The company ratings shown next could help you select which providers to look at when trying find the best insurance for postal workers. The ratings below include large nationwide companies, so companies that only write business in Texas or surrounding areas are not factored into the list.

Best Car Insurance Companies for Postal Workers in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Full coverage versus liability only rates

Saving money on car insurance is the goal of most vehicle owners, and a good way to find cheap insurance for postal workers is to not buy full coverage. The diagram below illustrates the comparison of insurance premiums with full physical damage coverage compared to only buying liability only. The data is based on a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are factored in.

On average, comp and collision coverage costs $2,000 per year more than just buying liability insurance. That touches on the question if buying full coverage is worth the money. There is no exact formula of when to exclude full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

Why you should shop around

Texas car insurance rates are determined by lots of factors that will increase or decrease the policy price. Turning one year older, increasing deductibles, or having an accident can trigger rate changes resulting in some rates now being cheaper than competitors.

Not only may things change on your end, but auto insurance companies modify pricing as often as every three months in order to be able to pay unexpected claims. A period of increased losses can cause high rates, while a profitable period may result in more affordable Laredo car insurance rates.

As an example, the graph below shows which company has the cheapest car insurance in Laredo, TX for a 40-year-old male driver with no prior accidents, a clean driving record, and a good credit rating. If we estimate prices based on his current rating profile, Travelers has the cheapest car insurance rates in Laredo at $1,321 each year. This is $583 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the best Laredo, TX auto insurance companies.

The example below compares rates after we give the driver in the first example some claims, slightly worse credit, and a couple of points charged on his driving record. Due to the fact that every auto insurer uses a different method for determining prices, analyzing rate quotes may now present a completely different list of the cheapest Laredo car insurance companies as shown below.

State Farm now has the cheapest rate in Laredo, TX with Mercury, Safe Auto, Nationwide, and USAA completing the list. This example demonstrates why Laredo drivers need to spend some time comparing rates when trying to get the most economical insurance rates for postal workers.

Auto insurance prices can be determined by many factors and can change without notice, so the best company when you last compared rates may now be costing you a lot of money.