Reduce Your Insurance Premiums Through With Telework

If you've ever called an insurer to request an insurance quote, you may already know that one of the first questions that the insurance agent will tell refers to the number of miles you travel each year on your car. Statistics show that the more you're on the road, the more likely you are to be involved in an accident and the higher your premium. But those odds are reduced if you work from home.

Today, more and more companies allow their employees to work remotely or from home and, indeed, amid a contracting economy, many people are starting businesses that can remotely attend and not from an office. Working from home reduces the time spent in the highway and some insurers have already captured so they offer special rates teleworker. If your insurer does not have this type of program, it's worth calling and let them know of the decrease in the number of miles you drive because now working from home.

If your employment is prohibited from working from home, talk to your boss about the possibility of doing your work from home at least one or two days a week. If your company does not have any telecommuter, suggests working from home on a trial basis for the supervisor and the company can be certain that it will not affect your productivity.

Be sure to mention how the company can benefit through reduced overhead. Also reduce what you spend on gas and how much to pay your auto insurance premiums.

It also may reduce your premiums to the insurer during periods of unemployment, even if you have several interviews to which to turn. Chances are you're on the road less often. Talk to your insurer and see if you can reduce your rates temporarily while looking for work. Better yet, try to find a job that let you work from home.

With information from: autoinsurance.org