What is telecommuting car insurance, and what does it cover?


Telecommuting car insurance is available with any major insurance company. Driving less can save you money while maintaining the coverage you need to be protected. Shopping online can help you find the best car insurance company for telecommuting car insurance, but don't forget to ask about other discounts that can lower your rates even more.

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UPDATED: 2021-10-15T20:15:42.820Z
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What You Should Know

  • Telecommuting car insurance can be less expensive
  • Telecommuting car insurance offers the same coverage that is available with a standard car insurance policy
  • Shopping online is one of the easiest ways to find great car insurance

Like many people, you may have transitioned from a daily commute into work to working primarily from home.

As you may have already noticed, working from home can come with quite a lot of advantages, but did you know that car insurance for remote workers can be less expensive?

If you are new to working out of your home office, you could potentially secure lower car insurance rates with telecommuting car insurance.

With free tools like a car insurance calculator and online shopping, you’ll see that finding affordable telecommuting car insurance is easier than you may think.

At the click of a button, you could start comparing telecommuting car insurance quotes.

Don’t wait to rake in the savings of work from home car insurance. Enter your ZIP code today to start comparing quotes for free telecommuting car insurance.

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Table of Contents

What does telecommuting car insurance cover?

Telecommuting car insurance doesn’t change any of the coverages offered by a standard car insurance policy. Not sure what kind of insurance you have currently?

If you just have liability insurance, that means you have bodily injury, liability for property damage, and uninsured/under-insured motorists coverage.

If you were to hurt someone in an accident, your bodily injury coverage would assist in paying that person’s medical expenses and even cover their lost income if they couldn't work.

This will also help you pay for any legal fees if the injured party takes you to court over the accident.

Now, your liability for property damage would help with the repair costs of any property if you were at fault in an accident.

The property could be another vehicle or even a building front or fence.

Your coverage for uninsured/under-insured motorists protects you if someone who didn’t have enough insurance or no insurance at all causes an accident.

Any lost wages, pain, and suffering, and medical bills would be paid with this coverage as well.

Of course, if you have full coverage, that means you have collision and comprehensive insurance.

The Insurance Information Institute explains that your collision coverage provides coverage if you were to hit another car, collide with an object, or drive off the road.

On the other hand, comprehensive coverage would cover damage caused by acts of nature or other disasters that didn’t occur while you were driving the car.

Here are some examples of what comprehensive coverage protects you from:

  • Fire
  • Collision with an animal
  • Riots
  • Natural disasters like earthquakes or tornadoes
  • Vandalism
  • Car theft
  • Theft of car parts
  • A broken windshield
  • Falling trees
  • Hail

Of course, you should always be sure to review your insurance policy at every renewal period so you can be sure you have enough protection. If you’re concerned that you won’t remember all that, don’t worry.

Thankfully, you can find a practical guide for understanding car insurance for free online whenever you need it.

How does telecommuting affect car insurance rates?

Are you wondering, “Will my car insurance go down if I work from home?” The good news is that, yes, your telecommuting car insurance rates could potentially become less costly.

You see, if you drive more frequently than the national average, many companies may charge you higher rates.

Of course, if you now primarily work from home and only pop out for errands, you could very well be driving far under the 14,000 miles per year that Americans drive on average per year.

This reduction in driving could also mean a reduction in your car insurance rates.

Not only do some companies offer less expensive rates for lower annual mileage, but some companies can give you low-mileage discounts.

What discounts are available for telecommuting car insurance?

Low-annual mileage is certainly not the only discount available to you if you work from home. If, for example, you have teens who get good grades, you may be able to add a good student discount to your policy.

Driving less could lower your chances of getting into accidents, enabling you to earn a good driver discount.

Some insurance companies appreciate it if their clients are proactive and take a defensive driving course. Upon providing proof of completion of the class, this could earn you a small discount as well.

Here’s a list of more common discounts you could benefit from:

  • Anti-theft device
  • Anti-lock brakes
  • Insurance bundles
  • Paperless billing
  • Education level
  • Federal employee
  • Senior driver

Which is the best telecommuting car insurance company?

If you’re not sure where you should buy telecommuting car insurance, here are some tips on finding the best one for you. Take a look at customer reviews.

These will provide insight into what the insurance company in question does best and what areas they lack. You should also be sure to compare quotes from at least three different insurance companies.

Luckily, you can shop for insurance from home too, and examine what each company brings to the table at your leisure.

Telecommuting Car Insurance: The Bottom Line

As you can see, working from home has many advantages, one of which is reducing the cost of your car insurance.

Reducing your time on the road is a simple yet effective way to reduce your chances of getting into an accident, lower your annual mileage and, in turn, lower your car insurance rates.

You can find telecommuting car insurance with any major insurance company. Just be sure to request at least three quotes so you can compare and contrast the pros and cons of each company.

Don’t let any discounts go to waste either. When you request quotes, make sure that every discount you are eligible for has been applied to your quote.

Don’t let great savings on your car insurance pass you by. Enter your ZIP code so you can receive free telecommuting car insurance quotes from companies near you.

References:

  1. https://www.iii.org/article/what-is-covered-by-collision-and-comprehensive-auto-insurance
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