Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • If you are a U.S. postal worker, then you are considered an employee of the federal government and may qualify for a discount on your auto insurance coverage
  • To find out what rates are available for auto insurance coverage in your area, you should start by searching online with a free rate comparison tool
  • When insurance providers set rates for auto insurance coverage, they consider the relative risk that each driver poses
  • The best way that you can ensure you pay as little as possible for your auto insurance coverage is to monitor your driving record and avoid auto accidents at all costs
  • When you find a better rate for auto insurance coverage, you can easily switch to a new company to take advantage of it

It is always a good idea to find out how you can reduce your premium for auto insurance coverage.

By being employed by the federal government, you may qualify for a discount on your auto insurance coverage from certain auto insurance companies.

The best way to determine whether a particular discount might apply to you is to ask the auto insurance company directly.

If you are not able to get a discount, then you could check around with other car insurance companies to see if your rate would be lower by getting auto insurance coverage through one of them.

If you are looking for better auto insurance rates, start comparison shopping today by entering your ZIP code above!

How Much Auto Insurance Coverage You Need

It would be a grave mistake only to get the bare minimum of auto insurance coverage that you are required to have by the state.

If you were to get into an unfortunate car accident, it would most likely amount to more than the minimum policy limits required by law to take care of all the damage. The situation would be even worse if another driver, passenger, or pedestrian were physically injured in the accident.

To protect yourself from having to pay out of your own resources for damage from a car crash, you should have policy limits that extend to a reasonable amount. These limits refer specifically to your basic auto liability policy, which is the type of auto insurance coverage that every driver is required to carry by law.

For other types of optional auto insurance coverage, the auto insurance company can set the specific amounts of your coverage because they have to do with the value of your car or truck.

You will be able to decide the amount of the deductible that you will pay, which can have a significant impact on your monthly premium for auto insurance coverage.

If you go with a lower deductible, you can expect your premium payments to be higher because the auto insurance company assumes more of a financial risk if you end up having to file a claim.

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Getting Auto Insurance Discounts as a U.S. Postal Worker

As a U.S. postal worker, you will be entitled to the same general categories of discounts on your auto insurance coverage as the rest of the population. On top of that, you may be eligible for a slight discount because of your status as a federal employee.

The amount of the discount that you may be eligible for will vary by location and the specific company that you are working with.

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Some companies specialize in providing auto insurance coverage for only federal employees. Before signing up with one of these specialized companies, be sure that you are getting a better rate for your car insurance policy than you would through a traditional auto insurance company.

The most lucrative way to secure a discount on your auto insurance coverage is to maintain a clean driving record.

Use as much caution as possible while driving to avoid getting into an accident. Also, you should be sure to obey all rules of the road so that you avoid getting a ticket for a moving violation.

By having a clean driving record for a certain number of years, you can secure a significant discount on your auto insurance coverage from most major auto insurance companies.

When to Drop Your Car Insurance Coverage

If you decide to go with a new auto insurance provider who has lower auto insurance rates, the timing of when you drop your current coverage is critical.

Having auto insurance coverage is a requirement to drive on public roads in almost every state, which is why you do not want to go any amount of time without the required auto insurance coverage.

Aside from the legal consequences of driving without the required auto insurance coverage, you could be in serious financial trouble if you get into a car accident without having auto insurance coverage in place.

If you drop your current auto insurance policy too soon, then you risk all of your personal assets by getting behind the wheel without auto insurance coverage in effect.

To make sure that you do not drop your auto insurance coverage before it is the right time, you should not cancel your current coverage until the new auto insurance coverage is already in place.

In order to do that, you will have made some premium payment to the new auto insurance provider in able to get proof of auto insurance coverage.

Once you confirm that your new auto insurance coverage is in place, you should contact your previous auto insurance company to tell them that you are using a new provider. You will then no longer get bills for your premium from the previous company.

Another thing you will want to keep track of is that you are entitled to any used portion of your auto insurance premium when you leave your previous auto insurance company. They will likely give you a check.

Last Thoughts

Given that U.S. postal workers are considered employees of the federal government, you may be entitled to an additional discount on your auto insurance coverage that is not available to the general population.

You can ask your auto insurance company if they offer such a discount. Another option is to get your auto insurance coverage from a company that specifically caters to employees of the federal government.

Whatever company you choose to get your auto insurance coverage from, it is never a good idea to commit before shopping around for the most affordable option.

There are websites that offer a free online comparison tool where you could quickly narrow down the best auto insurance quotes.

If you are a postal worker in need of better auto insurance, start comparison shopping today by entering your ZIP code below!