Cut Your Auto Insurance Premiums by Telecommuting

Some insurance companies offer special telecommuter rates for those who work from home. Ask your insurance company about low-mileage discounts to save as much as 15%.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 24, 2020

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Things to Remember...
  • Some insurance companies offer special telecommuter rates for those who work from home
  • More and more companies are allowing employees to telecommute
  • Many people are starting businesses they can run from their homes


If you’ve ever called an insurance company for a quote on auto insurance, you know that one of the first questions the agent will ask you is how many miles you put on your car every year.

Statistics say the more you’re on the road, the more likely you are to be involved in an accident, and the higher your premiums will be.

But did you realize it’s the other way around if you work from home?

Compare auto insurance rates online from competing insurance companies. Simply enter your zip code in on this page to get started right now!

Working from Home Can Cut Auto Insurance Rates

Working from home significantly cuts the time you spend on the road. Some insurance companies have caught on and now offer special telecommuter rates.

And even if your auto insurance company doesn’t, it’s worth calling them and informing them of the reduced number of miles you’re now driving if you work at home.

If your job prohibits your working from home all the time, talk to your boss about the possibility of working from home just one or two days a week.

If your company doesn’t currently have any telecommuters, suggest working from home on a trial basis so your supervisor and company can gain assurance that it won’t affect your productivity.

Be sure to mention how the company can benefit through reduced overhead. You’ll also be able to reduce what you spend on gas, and on auto insurance premiums.

Free Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Lower Auto Insurance When Out of Work

It may also be possible to reduce your insurance premiums during periods of unemployment.

Even if you’re driving to and from job interviews, it’s likely you’re on the road less frequently than if you’re driving to and from work every day.

Talk to your insurance company and see if they’re willing to reduce your rates temporarily while you search for work. Better yet, try to find a job that will allow you to work from home and keep those lower rates permanently.

Save Money on Your Auto Insurance

Telecommuting may not be an option for you, but now that you know you could have some money, maybe it’s worth looking into!

Either way, make sure that you’re getting the cheapest auto insurance rates that you can right now.

Enter your ZIP code in on this page to get started comparing free auto insurance rates and start saving some money!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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