Telecommuting Car Insurance Coverage: What to Know
Telecommuting car insurance, or working from home insurance, is something drivers may be looking for in the new post-pandemic lifestyle. If you’re working remotely, you may be able to save money by investing in telecommuting car insurance. Your telecommuting car insurance rates may be lower via a discount, a usage-based program, or a savings bundle.
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UPDATED: Aug 25, 2021
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- Some car insurance companies offer discounts to those who telecommute
- If your commute time is within a short window, you may also be able to take advantage of discounts
- If you’re working from home but still driving, you need insurance
If you’re one of the many that have transitioned into remote work, you may find that you’re not getting the most out of your car insurance.
You pay each month for a vehicle that used to go miles and miles each week, that now sits in waiting for grocery rides and excursions at your leisure. But there may be a more affordable, efficient option for you.
There are options for low mileage plans or pay per mile plans. Some companies have even begun offering their own work-from-home insurance. Keep reading to answer all of your telecommuting car insurance questions.
If you’re only here to compare telecommuting car insurance quotes, scroll no further. Enter your ZIP code to use our free comparison tool.
Does telecommuting affect car insurance rates?
If you’re telecommuting or working remotely, your annual mileage is going to drop. According to an economist report from Upwork, almost half of the workforce in the United States is working from home. Drivers may begin to question their current policy terms as they aren’t taking to the road as often.
In short, yes, telecommuting does affect your car insurance costs. Several companies have recently rolled out work-from-home bundles.
Nationwide’s working from home insurance is a bundle the company rolled out this year. After finding that more policyholders were switching to remote work, Nationwide also adapted to the post-pandemic “new normal.”
The progressive Work From Home Insurance bundle from Nationwide combines car, home/renters, and identity theft coverage options in 30 states. Nationwide’s Work From Home will expand to all 50, soon.
Other providers may have similar options, though not named the same. Keep reading to learn more about insurance work-from-home drivers can benefit from anywhere.
What is pay-per-mile car insurance?
Some companies offer pay-as-you-go car insurance. Often this type of policy is called usage-based car insurance. These programs use telematics technology, either through an app or device, to calculate your mileage.
Some companies that offer this policy include:
Keep reading to learn more about affordable telecommuting car insurance.
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Can you cut your car insurance rates by telecommuting?
There are several ways to lower your insurance costs if you’ve stopped driving to work. You could sign up with one of the programs listed above, opt for a pay-per-mile provider, or hunt down low-mileage discounts.
Mileage may be a factor into your telecommuting car insurance company. It’s not defining when it comes to your final quote.
While working from home may be easier on your gas tank, it doesn’t automatically save you money on your insurance policy. Drivers who aren’t putting many miles on their car should consider a usage-based insurance program (like the ones listed above).
However, low-mileage discounts do exist. Keep reading to learn where you can buy telecommuting car insurance based on low mileage.
Low-Mileage Car Insurance Discounts
Providers nationwide offer savings for drivers that take extra precautions on the road. Sometimes, that means getting a discount for being a good driver.
Other times, they are getting a discount for driving less than 7,500 miles annually. Some companies may have a lower mileage limit, such as 5,000 miles or less annually.
|Companies||Low-Mileage Discount Offered||Percentage Rate Discount Offered|
|American Family||Yes||Not Available|
|Country Financial||Yes||Not Available|
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Regardless of what savings you find looking for telecommuting car insurance, you must have car insurance in order to drive anywhere.
Do you need auto insurance if you telecommute?
Have you found yourself wondering, “Should I cancel my car insurance if I’m not driving?” If you are driving a vehicle you own, you need to have auto insurance.
If you have a car that you actively drive, you need to have it under an insurance policy. Most states have a minimum insurance policy requirement, which generally includes personal injury and bodily injury liability.
Telecommuting Car Insurance Coverage: The Bottom Line
Telecommuting car insurance is not a standard policy for those working from home.
Insurance companies will determine rates based on various risks, and though mileage is one, it’s not the most significant factor. Frequently, where you live or what kind of car you own will be the most critical factors that affect your insurance rates.
However, there are plenty of discounts available to help you lower costs.
If you’re ready to start comparing telecommuting car insurance rates, use our free tool. Enter your ZIP code to see what options are available in your area.