Considering nearly a quarter of the American workforce is anticipated to work remotely by 2025,* many people are wondering how their increased time at home—and less time behind the wheel—can affect their auto insurance rates.
We have good news. Depending on your work situation, and some other factors, you may qualify for cheaper car insurance.
Get a free Dairyland® car insurance quote today.
Car insurance discounts
Ask your car insurance company if they offer discounts based on annual mileage. And while you’re talking about discounts, ask about defensive driving discounts to determine if anything has changed since you began your current policy.
Deductibles
Consider increasing your car insurance deductibles. As a refresher, your deductible is the amount of money you need to pay before your car insurance coverage kicks in following a covered incident.
Higher deductibles can help reduce your monthly payments—but before you increase them, be sure you’re financially prepared to pay more out-of-pocket in case of an unexpected accident.
Credit score
Work on improving your credit score. The money you save on gas could potentially go toward credit card payments and other actions that can help build up your credit score over time.
Plus, in many states, there’s a correlation between credit scores and insurance scores, which some providers also use when determining drivers’ premiums.
Related resources
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*Data accuracy is subject to this article's publication date.