Auto Insurance for Postal Employees

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Things to remember...

  • Postal workers must often travel long distances as they perform their duties
  • Rural postal carriers may need special auto insurance coverage policies
  • Postal employees are often eligible for special group-related discounts
  • Postal workers can save money and time with the help of auto insurance comparison shopping websites

Many postal employees walk long miles as they fulfill their duties, and even more of them need to drive long miles as they make their ways to work.

As they spend time on the nation’s roads, these vital workers need to have the shield of adequate and affordable car insurance coverage.

Luckily, postal employees are usually eligible for a number of auto insurance discount opportunities. As this article looks at these savings possibilities. It will also show readers how easy it is to save even more cash by using car insurance comparison shopping websites.

Compare auto insurance options by entering your zip code into our free rate tool above.

A Car Insurance Issue That Postal Carriers Should be Aware Of


Postal workers who deliver mail in urban or suburban environments are usually supplied with official vehicles by their local postal stations.

These easily recognizable postal trucks are automatically insured and registered by the U.S. Postal Service.

Postal carriers who work in rural areas may be required to use their personal vehicles to deliver mail to their local communities. These postal workers are also known as rural carriers, and they form a vital link in the mail delivery chain.

Rural carriers who use their personal cars for work may need to arrange for special insurance coverage because drivers who get in car accidents while working my not be legally covered under their personal auto insurance policies.

Rural carriers driving their own cars may be held personally responsible for any injuries or damages that result from such accidents.

In order to protect themselves from such potential liabilities, rural postal carriers may need to look into getting special Business Owners Policies (BOPs).

These BOPs provide enhanced liability coverage for people who need to use their personal vehicles for work.

In order to find out whether such a policy will be necessary, rural carriers should carefully study the policy provisions of any car insurance companies that they are considering for coverage.

One of the best and easiest ways to get information like this from insurance providers is to use the services of auto insurance comparison shopping websites.

Car Insurance Discount Opportunities for Postal Employees


Shopping around is one of the best ways to find deals on almost any product or service, and car insurance coverage is no different.

There are hundreds of viable insurance companies out there, and looking at each and every one of their websites could take months.

The good news is, car insurance comparison shopping websites solve this problem by doing all of the legwork for insurance shoppers.

These sites study the policy provisions of large numbers of car insurance providers and then present this information to visitors in easy to digest format.

This service undoubtedly saves insurance shoppers large amounts of time and effort and has the potential of saving them a lot of money as well.

– Group Discounts

Postal employees are federal workers and thus qualify as members of a recognized group.

Many car insurance companies make special provisions for federal employees, and postal workers who are seeking car insurance would do well to take full advantage of these savings opportunities.

– Good Driver Discounts

Postal workers who do a lot of driving and have good driving records often qualify for good driver discounts. Some insurance companies even go so far as to give safe drivers cash rebates.

– Safe Vehicle Discounts

Postal employees who drive cars that include certain types of safety features often qualify for safe vehicle discounts. Items that are frequently recognized by car insurance companies include anti-lock brakes, driver awareness systems, and electronic traction designs.

– Age-Related Discounts

Postal employees who are nearing retirement age are often eligible for mature driver discounts.

– Low-Mileage Discounts

Postal workers who don’t drive a lot of miles may qualify for low-mileage rebates or discounts.

– Bundling

Bundling is the practice of using the same insurance provider to cover different kinds of policies. For example, a postal worker who has life insurance from a particular insurance company could also have the same firm provide car insurance coverage.

Individuals who use this method can often save money on all of their insurance policies.

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Optional Coverages

These insurance policy items are optional but can provide extra protection for those who choose to carry them.

  • Collision Coverage – When an accident occurs between the insured vehicle and another car, collision coverage pays for the damage inflicted on the insured vehicle. In situations where the accident is the fault of the insured driver, this coverage can help such a driver to get their car back onto the road as quickly as possible.
  • Glass Coverage – When a windshield or other car window is damaged while a car is in operation, glass coverage can pay for repair or replacement.
  • Uninsured Motorist Coverage – Unfortunately, there are many uninsured drivers on the nation’s highways and accidents with these individuals can leave law abiding motorists with big repair bills. Uninsured motorist coverage works to protect insured drivers and their cars from these drivers.
  • Comprehensive Coverage – Cars are often damaged by events that don’t include car accidents. These can include fires, hailstorms, vandalism, flood damage, and theft.

Mandatory Coverages


These insurance policies must be carried by drivers who want to operate cars on U.S. roads.

  • Property Damage Liability – This coverage option pays for repairs to the other party’s vehicle or other property when the insured is at fault in an accident.
  • Bodily Injury Liability – If a given driver is injured during an accident with the insured vehicle, bodily injury liability coverage pays for any resulting medical bills. Given the very high cost of modern health care, this coverage option is vital.
  • Personal Injury Protection (PIP) – PIP provides for the medical care of the driver and passengers of the insured vehicle in the event of a car accident. Some PIP policies are set up to provide lost wage payments as well.

Postal Employees Deserve Adequate Protection

Postal workers perform a vital service for the nation and help to keep the wheels of commerce turning.

These individuals work through rain or shine, and sometimes put themselves at risk in order to fulfill their missions.

The least that they can expect is affordable car insurance coverage and, with the help of car insurance comparison shopping websites, they can certainly expect to get it.

Compare car insurance quotes today by using our free rate tool below.

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