Are you a telecommuter paying commuter rates for auto insurance?
I was reading through the http://www.thedigeratilife.com/blog/index.php/2009/02/13/lower-car-insur...
That was posted as part of Will’s great list of articles on April 9, 2009 and thought I’d share a couple of tidbits I didn’t see mentioned in this article on car insurance.
I just added my husband as a driver on my car so I’ve been in a good deal of contact with my AAA guy. We’ve already followed many of these tips including bundling our home and auto insurance, maintaining a good driving record, and trying to keep a good credit rating.
A couple of other things to consider that are working in our favor is the car being completely paid off---which seems to be lowering it quite a bit as does paying it up front for the whole year (no finance charge or interest).
But the thing that saves me the most is being listed as primarily a telecommuter. Apparently many auto insurance companies now offer a telecommuter rate if you can prove most of your work is done from home. My car takes my kids to school every day but pretty much sits in the garage unless I’m running errands or out of the area. I qualified! Makes me land in the same category as a Sunday driver. For all of you beginning to work at home or anyone who is unemployed, this might make for considerable savings. Worth asking your insurance agent about anyway.
Of course, living in the mountains means we’ll always keep the deer collision insurance. Deer are notoriously bad about carrying their own insurance and great about playing 'dodge car' down the mountain highways.