Author Topic: Auto Insurance for WFH lifestyle? Discounts?  (Read 414 times)

TexTexTex

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Auto Insurance for WFH lifestyle? Discounts?
« on: November 10, 2023, 08:29:19 PM »
Hi All,

Just recently bought a new (to me) vehicle and was curious if there was anyway to get discounts on auto insurance if you barely drive, due to working from home? I'm not ecstatic about a computer/monitor added to my vehicle for a discount, but curious what options are out there.

Anybody have any experience with this? Any resources you specifically recommend to quickly compare auto rates across companies? Could go the independent agent route, but i'm honestly not that fruitful of a client given it would be simply an auto policy (no homeowners, etc)


Sibley

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Re: Auto Insurance for WFH lifestyle? Discounts?
« Reply #1 on: November 10, 2023, 08:32:06 PM »
There are some companies that will do low mileage policies, or at least there used to be.

secondcor521

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Re: Auto Insurance for WFH lifestyle? Discounts?
« Reply #2 on: November 10, 2023, 08:46:24 PM »
When I FIREd, I called my auto insurance company and (a) lowered my annual mileage to account for the fact that I wasn't commuting any more, and (b) changed the primary use of my car from "work/commuting" to "personal/pleasure".  I don't recall what the relative amounts of savings were, but you could try that with your current insurance company and see what happens, then shop around if you're not satisfied with the reduction.

Cranky

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Re: Auto Insurance for WFH lifestyle? Discounts?
« Reply #3 on: November 11, 2023, 09:57:27 AM »
Ages ago, we only drove the car on Saturday, and State Farm did give us a reduced rate for low mileage.

ditheca

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Re: Auto Insurance for WFH lifestyle? Discounts?
« Reply #4 on: November 11, 2023, 11:11:54 AM »
My insurer offers a "parked" rate of like $6-$10/month where I promise not to keep the car parked in my driveway. I could call and reactivate it instantly at any time.

If you regularly drive less than once a week, you could save some money by only insuring the vehicle on the days you drive.