Who Has Affordable Fresno Auto Insurance Rates for Postal Workers?

For postal employees, one of the more important factors that are looked at to help calculate the cost of insurance is your zip code. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The information below shows the most expensive cities in California for postal workers in which to purchase auto insurance. Fresno comes in at #12 with a yearly premium of $1,517 on average, which is approximately $126 monthly.

How much does car insurance cost in Fresno, CA?
Rank City Annual Rate
1 Glendale $2,142
2 Los Angeles $2,083
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,652
6 San Bernardino $1,644
7 Fontana $1,581
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Garden Grove $1,570
11 Stockton $1,556
12 Fresno $1,517
13 Modesto $1,502
14 Riverside $1,497
15 Moreno Valley $1,491
16 Anaheim $1,474
17 Santa Ana $1,439
18 San Jose $1,381
19 San Diego $1,368
20 Fremont $1,361
21 Huntington Beach $1,360
22 Oxnard $1,358
23 Irvine $1,343
24 Bakersfield $1,340
25 Chula Vista $1,298
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Prices are comparative as the specific Fresno residence address can affect price quotes noticeably.

The car, truck, or SUV on the policy is one of the main factors when shopping around for the cheapest car insurance for postal workers. Vehicles with reasonable performance levels, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.

The next table showcases auto insurance prices for a number of the most cost-effective automobiles to insure.

Cheapest Vehicles to Insure in Fresno, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,009
Hyundai Elantra SE Touring Station Wagon $1,070
Ford Edge SE 2WD $1,086
Honda CR-V LX 2WD $1,129
Ford Focus SE 4-Dr Sedan $1,147
Volkswagen Jetta S 4-Dr Sedan $1,169
Toyota Camry XLE $1,230
Ford Explorer XLT 4WD $1,269
Honda Civic GX 4-Dr Sedan $1,291
Hyundai Sonata SE 4-Dr Sedan $1,314
Chevrolet Impala LS $1,316
Toyota Camry Hybrid $1,337
Kia Optima SX $1,344
GMC Sierra Denali Crew Cab 2WD $1,337
Chevrolet Malibu Hybrid $1,341
Toyota Prius $1,348
Dodge Grand Caravan Crew $1,368
Toyota Tacoma Double Cab 4WD $1,377
GMC Sierra 2500HD SLT Extended Cab 2WD $1,397
Nissan Altima 3.5 SR 2-Dr Coupe $1,406
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific garaging location which can decrease or increase prices considerably.

Based upon these rates, you can assume that vehicles like the Ford Escape, Hyundai Elantra, and Ford Edge are some of the more affordable vehicles to insure for postal employees.

Deciphering which companies offer the lowest-priced car insurance rates for postal workers involves a little more work than just getting one or two price quotes. Each insurance company uses their own calculation to establish rates, so let’s take a look at the car insurance companies that tend to have lower prices in California.

It’s important that readers know that Fresno, CA car insurance rates are impacted by many factors that can increase the policy price. Improving your credit rating, filing a claim, or getting a couple of tickets can produce rate changes that can make some companies cheaper in comparison to the competition.

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USAA offers some of the cheapest car insurance rates in Fresno at around $1,155 each year. Wawanesa, Nationwide, Century National, and CSAA also qualify as some of the most economical Fresno, CA insurance companies.

As the rates illustrate above, if you are currently insured with Wawanesa and switched to USAA, you may realize a yearly price reduction of in the neighborhood of $2. Customers with Nationwide might save as much as $58 a year, and Century National insureds might realize rate reductions of up to $59 a year.

Remember that these prices are averaged across all ages of drivers and types of vehicles and do not factor in a specific vehicle garaging location for postal workers. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That’s why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Reckless driving habits raise Fresno car insurance rates

One of the best ways to earn good car insurance premiums for postal employees is to drive cautiously and avoid accidents and traffic violations. The illustration below shows how speeding tickets and at-fault collisions can drive up insurance costs for each age group. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of an auto insurance policy in Fresno per year with no violations or accidents is $2,684. Get one speeding ticket and the average cost surges to $3,084, an increase of $400 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of car insurance for postal workers increases to an average of $4,209. That’s an increase of $1,526, or $127 per month, just for not being more responsible behind the wheel!

The chart below illustrates how your deductible choice can increase or decrease insurance prices when researching cheap insurance for postal workers. The information is based on a married female driver, comp and collision included, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could save $408 a year by increasing from a $100 deductible to a $500 deductible, or save $614 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could save up to $1,008 each year by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Last year’s bargain might be this year’s rip off

California car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. Improving your credit rating, increasing liability limits, or getting a driving violation may cause policy rate changes that can now make some companies affordable when they were higher priced.

Not only may your situation change, but insurance companies change their prices multiple times each year in order to be able to pay unexpected claims. Heavy losses can cause increased rates, while less frequent claims may cause more affordable Fresno car insurance rates.

To illustrate this point, the chart below analyzes the cheapest car insurance in Fresno, CA for a 45-year-old male driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on his current risk factors, Wawanesa has the lowest car insurance rates in Fresno at $1,293 annually. This is $358 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the rest of the cheapest Fresno, CA auto insurance companies.

The example below compares rates after we give the driver in the first chart a chargeable accident, a lower credit rating, and a speeding ticket. Due to the fact that every auto insurer uses their own calculation for determining rates in each state, analyzing rate quotes may now present a different ranking of companies as shown below.

Grange now has the cheapest price in Fresno with Progressive, Allstate, GEICO, and Mercury also being competitive. This illustrates why it is crucial to take the time to shop around to get the cheapest insurance rates for postal workers.

Rates can be altered by many factors and change substantially, so the cheapest option when you bought your policy may now not even be in the top five.