Figuring out which companies quote the best insurance rates for postal workers will require more time in order to find coverage that fits your budget.
Each auto insurance company uses a slightly different approach for determining prices, so we need to take a look at the insurance companies that tend to have lower prices in Ohio. Keep in mind that Toledo insurance rates are influenced by many factors that control the price of coverage. Improving your credit score, increasing deductibles, or having an at-fault accident can produce rate changes that can now make some companies cheaper than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Allied | $676 |
| 3 | Erie | $687 |
| 4 | Frankenmuth | $687 |
| 5 | Travelers | $705 |
| 6 | USAA | $719 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $778 |
| 9 | Grange Mutual | $804 |
| 10 | General Casualty | $805 |
| 11 | Motorists Mutual | $816 |
| 12 | Central Mutual | $840 |
| 13 | State Farm | $858 |
| 14 | Hastings Mutual | $884 |
| 15 | Westfield | $908 |
| 16 | Atlantic States | $940 |
| 17 | Western Reserve | $970 |
| 18 | Progressive | $991 |
| 19 | Auto-Owners | $998 |
| 20 | Nationwide | $1,018 |
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Utica National quotes some of the lowest car insurance rates in Toledo at around $647 per year. Allied, Erie, Frankenmuth, and Travelers would also be considered some of the cheaper Toledo, OH insurance companies.
As depicted above, if you are a customer of Allied and switched to Utica National, you could see a yearly savings of upwards of $29. Customers with Erie may save as much as $40 a year, and Frankenmuth policyholders might lower prices by up to $40 a year.
Bear in mind that those policy prices are averages across all drivers and vehicles in Ohio and and are not figured with an exact location for postal workers. So the company that fits you best may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
The vehicle model that needs insurance is a large consideration when comparing the best cheap insurance for postal workers. Vehicles with more horsepower, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The next table showcases coverage rates for a handful of the more affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,354 |
| Honda CR-V LX 2WD | $1,480 |
| Toyota Prius | $1,503 |
| Dodge Grand Caravan CV | $1,519 |
| Ford Escape Limited 2WD | $1,569 |
| Toyota RAV4 Limited 4WD | $1,606 |
| Ford Explorer Eddie Bauer 4WD | $1,637 |
| Ford Focus SES 4-Dr Sedan | $1,661 |
| Toyota Camry SE | $1,692 |
| Nissan Rogue S AWD | $1,721 |
| GMC Sierra SLE Extended Cab 4WD | $1,724 |
| Chevrolet Equinox LTZ 2WD | $1,733 |
| Chevrolet Impala LT | $1,755 |
| Honda Civic SI 4-Dr Sedan | $1,779 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,787 |
| Ford F-150 Lariat Super Cab 2WD | $1,789 |
| Chevrolet Malibu Hybrid | $1,808 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can alter price quotes significantly.
Based upon the table data, you can assume that cars like the Honda Accord, Honda CR-V, and Toyota Prius will definitely be some of the most budget-friendly vehicles to insure for postal employees.
The diagram below illustrates how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for postal workers. The premiums are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $208 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $316 by switching to a $1,000 deductible. Young drivers, like the age 20 example, could shave $630 each year by choosing a higher deductible. If you make the decision to raise deductibles, it is essential to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
How careless driving impacts Toledo insurance rates
The easiest way to snag affordable insurance premiums in Toledo for postal employees is to drive cautiously and avoid accidents and traffic citations. The diagram below illustrates how traffic citations and fender-benders can drive up auto insurance rates for different age groups of insureds. The price estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.
The data in the chart shows the average cost of car insurance per year with no accidents and a clean driving record is $1,135. Receive two speeding tickets and the average cost rises to $1,567, an increase of $432 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for postal workers increases to an average of $3,086. That’s an increase of $1,951, or $163 per month, just for not driving responsibly!
Finding a good quality insurer is hard considering how many different companies there are to choose from in Toledo. The ranking data shown next can help you pick which auto insurers to look at when looking for cheaper rates.
The ratings below are only comprised of companies that insure vehicles across America, so smaller companies that only insure vehicles in Ohio are not factored into the list. To compare prices from the insurers below and more, just click here.
Top 10 Major Auto Insurance Companies Overall in Toledo
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Don’t make the mistake of not shopping around
Toledo insurance rates are impacted by many factors which can substantially change the policy premium. Getting older, increasing deductibles, or getting a driving violation can trigger rate changes resulting in some companies being cheaper than before.
Additionally, insurance companies file new rates as often as every three months to ensure their profitability. Larger than normal claims may result in higher rates, while long-term profits may cause cheaper Toledo car insurance rates.
As an example, the chart below shows rates for the cheapest car insurance in Toledo, OH for a 40-year-old female driver with a clean driving record, no accidents, and a good credit rating. When comparing rates based on her current situation, Utica National may have the lowest car insurance rates in Toledo at $824 annually. This is $216 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remainder of the most affordable Toledo, OH auto insurance companies.
Now we will pretend the driver from above a claim surcharge, bad credit, and a blemish on her driving record. Since each auto insurance company has their own unique process for setting rates, comparing prices could result in a different set of affordable companies as shown below.
Cincinnati Insurance now has the lowest price in Toledo with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty completing the list. This demonstrates why Ohio drivers need to perform a complete rate comparison when trying to find the most affordable car insurance rates for postal workers.
Auto insurance prices can be determined by many factors and change substantially, so the best company the last time you shopped around may now be an over-priced policy.
If you prefer to have a little guidance when comparing insurance rates for postal workers, the insurance agencies listed below are a good start to help you decide which coverages you need. To locate a Toledo auto insurance agent nearest to you, click the button below the list or click here to compare prices now.
- State Farm: Romie Brown
1843 W Alexis Rd #1 – Toledo, OH 43613 – (419) 480-1212 - Detlef Insurance
833 Woodville Rd – Toledo, OH 43605 – (419) 693-7458 - Marty Vugrinac – State Farm Insurance Agent
1022 S Reynolds Rd – Toledo, OH 43615 – (419) 389-0533