Telecommuting Car Insurance
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UPDATED: Jul 1, 2021
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- Car insurance for remote workers can be significantly cheaper
- A low mileage discount can save you up to 30%
- Sometimes a pay-per-mile policy saves you the most money
Over the last year, many more people are working from home. This often leads to the question, “Will my car insurance go down if I work from home?” The simple answer is yes. Cheap car insurance is more attainable than ever.
Depending on how many miles you drive per year, you could find significant savings on telecommuting car insurance. A low mileage discount can save you a decent amount and if your annual miles are really low. Additionally, a pay-per-mile policy may be able to save you even more.
To find the most affordable telecommuting car insurance rates, enter your ZIP code here and compare quotes from top insurance companies.
How does telecommuting affect car insurance rates?
While there is no work from home car insurance discount, you can save money if you drive a limited number of miles. Telecommuting car insurance rates tend to be cheaper because you aren’t driving every day.
Most companies will consider annual mileage when figuring out what your rates will be. An average driver travels around 14,000 miles per year. However, those working at home tend to drive less than half that amount.
This reduced number of miles means you are less likely to be involved in an accident. Therefore, it is less risky to insure you and may reduce your car insurance cost.
Here’s a look at the average rates you will face based on commute lengths.
|Insurance Companies||Average Annual Rates for|
10 Mile Commute
(6,000 Miles per Year)
|Average Annual Rates for
25 Mile Commute
(12,000 Miles per Year)
As you can see, the farther you drive, the more it costs. However, limited miles can save you around 2% on base car insurance rates.
What is the best way to save money on telecommuting car insurance?
The best telecommuting car insurance company is going to offer a low-mileage discount. These discounts can save you up to 30%. You can also look into how much discounts like the occupation car insurance discount can help you save.
While this is a significant reduction it may not be the thing that will save you the most money. Additionally, not every insurance company offers a low-mileage discount.
Let’s review what companies offer a low-mileage discount:
|Insurance Company||Offers Low Mileage Discount||Discount Percentage (if available)|
|American Family||Yes||Not Available|
|Country Financial||Yes||Not Available|
|Liberty Mutual||Yes||Not Available|
|The General||Yes||Not Available|
|The Hanover||Yes||Not Available|
|The Hartford||Yes||Not Available|
Depending on your insurance company, this may be a great discount. However, if your annual mileage is insignificant, you should also look into a pay-per-mile policy.
When it comes to work-from-home car insurance, pay-per-mile policies are growing in popularity. You will be charged only for the actual miles you drive. Typically, there is a small base rate and then a few cents for each mile you drive.
It’s important to note; some insurance companies will require you to add a tracking device to your car so they can confirm mileage. This can be helpful when qualifying for a safe driving discount.
Here is a look at the different program names for the top insurance companies and what they can save you.
|Insurance Companies||Low-Mileage Program Name||Device Used||Enrollment Discount (Maximum Possible % Savings)||Earned Savings (Maximum Possible % Savings)|
|Liberty Mutual/SafeCo||RightTrack||Mobile App or Plug-in||5%||30%|
|Progressive||Snapshot||Mobile App or Plug-in||average of $25||20%|
|Mile Auto||Mile Auto||Neither||N/A||40%|
|State Farm||Drive Safe & Save||Mobile App or Plug-in||5%||50%|
Comparing your insurance companies low-mileage discount and their pay-per-mile policies is a great way to ensure you are getting optimum savings.
When you are ready to buy telecommuting auto insurance, start by comparing rates. Enter your ZIP code here to start comparing today.
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