# Working From Home? Here’s How You Can Save Money on Your Auto Insurance
Author:  Pal Sinha, Barnali 
Author URL: https://financedigest.com/author/pal-sinha-barnali
Published: 2022-03-09
Category: BUSINESS
Category URL: https://financedigest.com/category/business
Meta Title: Save Money on Telecommuting Auto Insurance: Top Tips
Meta Description: Discover how you can save on car insurance by switching to a pay-per-mile program, taking advantage of telecommuting discounts, and finding cheaper rates for
URL: https://financedigest.com/working-from-home-heres-how-you-can-save-money-on-your-auto-insurancehtml

![undefined](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/istock-1290563293-1736815981404-compressed.jpg)

Remote work has become the norm and requires modern workers to adapt to this work setup. Many may not have considered that their home and auto insurance premiums might need to be adjusted to accommodate remote work.

You may want to switch your homeowners’ insurance policy, especially if you run your own business remotely. If you aren’t commuting to work, your [car insurance](https://www.financedigest.com/5-tips-for-selecting-the-best-car-insurance-coverage.html "5 Tips for Selecting the Best Car Insurance Coverage") policy could also be due for a change.

Let’s look at some ways you can save money on your [**telecommuting auto insurance**](https://www.autoinsurance.org/telecommuting-autoinsurance/) since you work from home, and we’ll discuss how you can find the cheapest rate for both home and car insurance.

**Ways to Save on [Car Insurance](https://www.financedigest.com/ten-things-youre-doing-that-are-invalidating-your-car-insurance.html "TEN THINGS YOU’RE DOING THAT ARE INVALIDATING YOUR CAR INSURANCE") When You Work From Home**

Working from home has some great perks: You don’t have to commute anywhere, you can work on your [mental and physical health](https://www.financedigest.com/how-to-maintain-physical-and-mental-health-while-working-from-home.html), and you can save money on car insurance. Below, we will look at three crucial ways to save on [car insurance](https://www.financedigest.com/how-data-is-revolutionising-car-insurance.html "How data is revolutionising car insurance") when you work from home.

**Switch to a Pay-Per-Mile Program With Your Provider**

Some major insurance providers like Allstate, Nationwide, and even Progressive are [offering pay-per-mile insurance](https://www.financedigest.com/aon-data-empowers-unica-to-offer-flood-insurance-for-5-2bn-canadian-peril.html "Aon data empowers Unica to offer flood insurance for .2bn Canadian peril") programs. With this program, you are given a base [rate to pay](https://www.financedigest.com/beat-the-exchange-rate-and-buy-that-dream-holiday-home-by-paying-in-pounds.html "Beat the exchange rate and buy that dream holiday home – by paying in pounds! ") and then are charged extra, depending on the number of miles you drive per month.

Pay-per-mile is a great program to be part of because you [save a substantial amount of money](https://www.financedigest.com/how-to-save-money-on-business-tripsabroad.html "How to save money on business trips abroad") each month just from working at home. Many base rates start at $20 per month and usually charge just a few cents per mile.

(Note: The base rate is dependent on the driver, including the driver’s record, age, vehicle, and so forth.)

**Look out for Telecommuting and Lower Mileage Discounts**

Telecommuting discounts and [low mileage discounts are available for those that work](https://www.financedigest.com/low-use-of-shortened-work-hours-points-to-mild-german-recession-ifo.html "Low use of shortened work hours points to mild German recession – Ifo") from home by major insurance providers. GEICO, USAA, Liberty Mutual, and State Farm are a few providers that give discounts for driving less.

[Insurance companies reward drivers who drive less because they are less likely to get into car](https://www.financedigest.com/being-aware-of-the-insurance-blind-spot-when-it-comes-to-driverless-cars.html "Being aware of the insurance blind spot when it comes to driverless cars") accidents. Discount percentages can range from 10% to 30% off your insurance rate, depending on the provider you choose. Check with your provider or insurance agent and see if you qualify for this discount.

Some do not [offer discounts](https://www.financedigest.com/discount-dining-clubs-tastecard-and-gourmet-society-grow-their-offering-as-chimichanga-and-spaghetti-house-both-sign-up.html "Discount dining clubs tastecard and Gourmet Society grow their offering as Chimichanga and Spaghetti House both sign up") for telecommuting, but the larger insurance providers do for the most part. If you get insurance from [21st Century](https://www.financedigest.com/taking-the-pain-out-of-payments-for-the-21st-century-worker.html "TAKING THE PAIN OUT OF PAYMENTS FOR THE 21ST CENTURY WORKER") or SafeAuto, though, you more than likely won’t get a discount.

Saving on auto [insurance is essential when you’re working from home](https://www.financedigest.com/what-is-the-difference-between-a-home-warranty-and-home-insurance.html "What is the Difference between a Home Warranty and Home Insurance?"). You don’t [need as much coverage](https://www.financedigest.com/what-is-premises-liability-coverage-and-why-does-your-business-need-it.html "What is Premises Liability Coverage … and Why Does Your Business Need It?") as you would if you were commuting to work every day.

(Note: Collision coverage is still good just in case you get into an accident. Comprehensive coverage is also nice to have for when your car is parked in front of your house or the driveway.)

**Cheaper Rates for Home and** [Car Insurance](https://www.financedigest.com/10-things-you-could-be-doing-that-invalidate-your-car-insurance.html "10 things you could be doing that invalidate your car insurance")

There are four main [ways to lower your home and car insurance](https://www.financedigest.com/predictive-analytics-a-new-way-of-insuring-success.html "Predictive analytics: a new way of insuring success") rates more than average: bundling everything, growing your credit score, preparing your home for disaster, and keeping a clean driving record. Below, we will look at each way in depth.

**Bundle Everything**

Providers love having you as a customer for multiple policies. Consider bundling [home and auto insurance](https://www.financedigest.com/uk-motor-and-home-insurers-headed-for-heavy-losses-ey-warns.html "UK motor and home insurers headed for heavy losses, EY warns"). If you can, bundle other insurance policies as well. You will get substantial discounts from that alone. Contact your [insurance agent or go online](https://www.financedigest.com/improving-online-visibility-for-insurers.html "IMPROVING ONLINE VISIBILITY FOR INSURERS") to your provider’s website to see how many policies you bundle.

**Grow Your** [Credit Score](https://www.financedigest.com/1-in-5-uk-adults-have-no-idea-what-a-credit-score-is.html "1 in 5 UK adults have no idea what a credit score is")

Growing your [credit score](https://www.financedigest.com/benefits-of-a-good-credit-score.html "Benefits of a good credit score") is an excellent way to get lower insurance rates for homeowners and car insurance. There are a few ways you can increase your credit score, too:

- **Pay your bills on schedule** – Doing this will help your insurance provider be more inclined to [lower your insurance rates](https://www.financedigest.com/how-insurtech-is-helping-to-lower-car-insurance-rates.html "How InsurTech is Helping to Lower Car Insurance Rates") because paying your bills on time shows that you are responsible and diligent with paying.
- **Repay any outstanding debts you may have** – Outstanding debt could be late bills, [student loans](https://www.financedigest.com/student-loans-hurting-workers-ability-to-save-for-retirement.html "STUDENT LOANS HURTING WORKERS’ ABILITY TO SAVE FOR RETIREMENT"), or personal loans. Paying these off will significantly improve your credit score.
- **Maintain old credit cards** – When you keep credit cards that are paid off, this raises your credit score slowly but surely. This also shows providers that you can consistently [pay your monthly premiums](https://www.financedigest.com/finnish-businessman-zilliacus-ready-to-pay-premium-for-manchester-united.html "Finnish businessman Zilliacus ready to pay premium for Manchester United").

**Prepare Your Home for Disaster**

Preparing your home for disaster is a surefire [way of getting lower premiums on homeowners insurance](https://www.financedigest.com/5-ways-a-ccm-platform-can-help-improve-customer-engagement-in-insurance.html "5 Ways a CCM platform can help improve customer engagement in insurance"). Getting storm shutters, strengthening the tiles on your roof, and adding home security are the best ways to prepare your home.

Be sure to talk with your agent about ways you can stormproof your home and be ready for whatever may happen.

**Keep a Clean** [Driving Record](https://www.financedigest.com/inflation-drives-britains-record-christmas-grocery-sales.html "Inflation drives Britain’s record Christmas grocery sales")

Having a clean driving record is a very effective way to keep your rates low for auto insurance. When you have multiple violations on your record, this shows providers that you are a high-risk driver and more prone to accidents and reckless driving habits.

Sometimes, if your driving record is so bad and your reckless driving habits are out of control, insurance providers will cancel your policy. They [see you as not worth the risk](https://www.financedigest.com/heineken-sees-europe-resilience-offseting-asia-slowdown-risk.html "Heineken sees Europe resilience offseting Asia slowdown risk") of insuring. That’s a scary place to be, but you needn’t worry as long as you abide by the laws in your state and drive defensively.

**No Place Like Home**

There’s nothing like working from home. It’s important to have a routine and [organization as you work](https://www.financedigest.com/how-to-become-more-organised-and-productive-whilst-working-from-home.html). Make sure you wake up at a certain time and establish habits that will help you increase your productivity.

You can [save money](https://www.financedigest.com/6-tips-to-save-money-on-your-next-used-car-purchase.html "6 Tips to Save Money on Your Next Used Car Purchase") on home and auto insurance too. You should know by now about the discounts and programs you can get from just working from home. Make sure to do your research about your insurance providers and what savings or programs they have available.

As telecommuting is becoming the norm during this pandemic, there will be more providers that will be open to programs like pay-per-mile and to giving their customers better [savings and lower](https://www.financedigest.com/ahold-turns-to-solar-panels-lowers-thermostats-to-save-energy.html "Ahold turns to solar panels, lowers thermostats to save energy") rates.

**_![](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/510-1736815981369-compressed.jpg)_**

 **_About Author_** **_:_**

_Peyton Leonard writes and researches for the auto insurance comparison site,_ [_AutoInsurance.org_](https://autoinsurance.org) _. Peyton loves working from home and helping others adjust to working from home as well._

**This is a Sponsored Feature**


---
This blog is powered by Superblog. Visit https://superblog.ai to know more.
---