Sill working remotely? Here’s how to save on your car insurance premium

As the pandemic continues, some workers remain in working condition from home. There are some benefits to this position, including no stressful commutes, fewer distractions from coworkers, and the chance to wear more comfortable clothes throughout the day.

Remote workers can save money in a number of ways, including the cost of car insurance. Keep reading to see how you can reduce your policy cost if you’re driving too little.

How to Save on Your Car Insurance Policy as a Remote Employee

If you are currently working remotely, now is an excellent time to review your auto insurance coverage.

Your annual driving mileage is included in the insurance rate you pay. If you drive a lot of miles each year, your rate will be higher because you are using your car more, which increases the risk. If you drive a lot less, the risk of an accident is lower, so your rate will be lower.

If you are still working remotely, it is a good idea to contact your auto insurance company and adjust your policy to reflect your current driving status. A quick call to your insurer is all that is needed.

Example: If you previously used to drive 12,000 miles or more per year when traveling, and now you drive less than 6,000 miles per year because you are working at home full time and only occasionally work If you do, this lifestyle change should affect your rate. Contact your auto insurer to update your policy and see how much money you can save.

Other Ways to Save on Auto Insurance Costs

There may be other ways for you to reduce your auto insurance costs. Making a few adjustments can lower your rate and allow you to add more money to your savings account. Here are some ways to lower your auto insurance policy rates:

  1. Pay attention to the type of car you drive. The make and model of your car will affect your rate. If a car has many safety features, it may be cheaper to insure it. The cost of car repairs can also affect insurance rates. If you are in the market for a replacement vehicle, you may be able to save on insurance by choosing the right vehicle. Get an insurance quote before buying your next car.
  2. Adjust your deductible. When you set a lower deductible amount, your policy will cost more. You must pay your deductible amount before your insurer will pay your claim. Choosing a higher car insurance deductible — for example, $1,000 instead of $500 — will lower your premium costs. But make sure you set aside enough money to cover the deductible amount in a savings account first. That way, if an accident happens you are prepared.
  3. Drive safely and be accident free. Auto insurance goes up after an accident. So drive the vehicle as carefully as possible. Drivers who do not have an accident on their driving record will pay lower policy rates than those who do. One car insurer, Progressive, notes that a driver with no accidents or tickets in the past three years may pay a policy value that is an average of 31% less than a driver who has an accident and a violation in that time frame.
  4. Shop around for coverage. Not all auto insurers charge the same rates. Comparing policy rates with multiple insurance companies can result in significant savings. It’s good practice to do this every year to make sure the rate you’re paying is still the most affordable option available.

And for more ideas, see Other Ways to Save on Your Auto Insurance Policy.

If you’re a remote worker who hasn’t looked at your auto insurance policy for years, take the time to contact your insurer and have your policy updated to reflect your current lifestyle and driving habits. You may be able to pay less if you are driving a lot less.

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