due to the COVID-19 pandemic, many people are working from home and driving less. In the U.S., 31 % of employees working in an office in March 2020 were working from home by April. Many are hush doing indeed today .

other people have changed jobs, made career pivots, and even left the work force. many insurers recognized these changes early on and gave back to their policyholders via bounty decreases and refunds. But as the months build up, you may be looking for more ways to reduce costs. Lowering your car policy rates can help .

You can reduce your rates right now by making a few changes while staying at home and driving less .

Ways To Reduce Car Insurance Premiums

Post lockdowns and stay-at-home orders, many insurance companies offered refunds and discounts. These refunds may not be the lone discounts you ’ re entitled to. There are other ways to save money on your car policy beyond the credits insurers have already paid out .

Wondering what to say to your insurance company to get a better price on your cable car indemnity while working at home ? Start by asking about your policy coverages and discounts : “ Hello, I am calling about my car indemnity premium. I have been researching policy prices, and I am looking for ways to reduce my costs. Can we go over my policy coverages and discounts to make sure I am getting the best price ? ”

If you have stopped driving your cable car, changed your work situation, or reduced your time on the road, try saying : “ I normally drive X measure of miles to work, but I am working from home nowadays, and it has been several months. Can you reduce my annual mileage or make a change on my policy to pleasure-only consumption, since I no longer commute ? ”

other questions and statements to ask your insurance company include :

  • “My car has been in storage—do I qualify for a storage credit?”
  • “Can we review the optional coverages on my policy?”
  • “What about increasing my deductible?”

once you ’ ve finished make changes, ask your insurance company “ What ’ s not covered ? ” They will tell you what is no long insured.

Lower Your annual average mileage

The annual mileage on your car impacts how much your indemnity costs. You can get a common sense of your annual mileage by looking at your car ’ sulfur odometer. See how many miles you ’ ve put on since owning the car .

We received quotes from respective major insurers to see how adjusting the hebdomadally mileage would affect the premium. We used the lapp profile for each quote : A 35-year-old female driver live in the Minneapolis sphere with no accidents, tickets, or violations, and a good drive record with at least five years of anterior insurance. The cable car quoted was a 2018 Ford Explorer on a six-month policy. Some insurers quoted reduce premiums, while others did not .

Insurer 3,000 Miles Annually, Pleasure Use Only (No Commute) 10,000 Miles Annually With a Typical Commute (Five Days)
Geico $359 $416
Progressive $474 $474
Allstate (Standard Coverage) $759 $759

Ask Car Insurance Company for Discounts

If you ’ ve been with your car insurance company for a while, it ’ second worth calling to find out whether you qualify for any new discounts. A few discounts to ask about admit :

  • Multiple-car discounts: If you have two cars, consider insuring them on the same policy or with the same company.
  • Multi-policy discounts: Bundling your home and car insurance with the same company may give you a discount. Note that some insurers offer more of a discount than others. 
  • Payment option discounts: Some insurers offer discounts based on how you pay your premium. Ask about full pay discounts, responsible payer discounts, or discounts for an automated payment plan.
  • New policy or loyalty discounts
  • Early signing discounts: Not leaving your insurance to the last minute can save you money. Some insurers offer discounts when you shop ahead.
  • Group affiliation discounts: Many insurers offer discounts to members of groups. Military and government employees, for instance, get discounts with GEICO. People over age 50 can get insurance through AARP’s car insurance program from The Hartford. Many insurers will ask you about member affiliations when you first sign up, to offer discounts.
  • Internet discounts or “buy your policy online” discounts
  • Paperless discounts: Going paperless gets a discount with some insurers.
  • Car safety feature discounts
  • Anti-theft device discounts
  • Student driver, good grade, or other discounts for students away at school 
  • Defensive driving course discounts
  • Good credit rating discounts: If your credit has improved since you first got your insurance, see whether you can get a better discount. If your credit is not as strong, consider shopping with insurers that do not use credit scoring as heavily in their ratings.

enroll In Usage-Based indemnity

There are insurers that offer better rates when you enroll in a usage-based policy plan. These programs often use an app or device to monitor unlike factors of your driving habits, such as how much you drive. This information is used to adjust your rates based on your actual drive.

For case, State Farm offers a Drive Safe & Save Program that offers up to 30 % off. Travelers has the IntelliDrive program, which gives you a discount of up to 20 % .

Reduce or Cut Optional Coverage

When you buy car insurance, there are many optional coverages. We researched quotes with several insurers and noticed there were often multiple options for “ full coverage. ” besides, there were frequently many liability limit options beyond the minimum required by police. It may be wise to review optional coverages such as the follow :

  • Collision coverage and comprehensive coverage: Optional coverage that covers damage to your car under a variety of circumstances; for example, when your car is damaged in an accident, vandalized, or even stolen.
  • Coverage upgrades: Insurance companies offer options to upgrade the basics to include perks, such as diminishing deductibles or even cash back. Review how much you are paying for these upgrades (if you have them).
  • Roadside coverage, transportation expenses, or rental reimbursement coverage: If your car is parked most of the time, and you’re staying local, you may want to weigh the cost of this coverage versus your current rate.

Before you decide to reduce your policy coverage as a way to save money because things are tight, make sure the changes won ’ t causal agent undue fiscal adversity if you have to file a call .

Increase the deductible

One way to keep all of your coverage and placid save some money is by choosing a higher deductible. For example, one insurance company we looked at charged up to $ 100 more on a six-month policy term to have a $ 0 deductible versus a $ 500 deductible on the comprehensive coverage alone. In general, the monetary value of increasing your deductible from $ 200 to $ 500 can save you between 15 % and 30 % on collision and comprehensive coverage. Increasing your deductible up to $ 1,000 could save you 40 % or more .

When shopping about for indemnity, be sure to get quotes in writing. Check the coverage credit line by line against your existing policy before making your choice. You can tied try to get your current insurance company to match what you ’ re being offered. Insurers are much bequeath to negotiate quite than lose your business .

How To Make Car insurance policy Changes

To make a variety to your policy, you have to get in reach with your insurance caller. Most insurers offer a few options to get in liaison. These include chatbots, on-line access, residential district forums, apps, writing by e-mail or mail, and earphone. Depending on the type of variety you ’ rhenium request, insurers will have different procedures or requirements .


Most indemnity companies offer some form of on-line account management through their websites. Often, you can make basic changes or start requests online. We checked assorted insurers and found that some of them only allow basic changes ( like a variety of address ) on-line, but require you to call in for other requests. other insurers have more options .

By Phone

When you call to make changes to your policy, it gives you more of a luck to ask questions about your discounts and coverages. If you are calling to request a change to your policy, the agent will normally be able to help right away with basic changes. placid, some changes may require extra information, such as the VIN phone number of a fresh car or a driver ’ s license number for a newly driver .


Mobile apps have become popular with insurers and give consumers a find to self-serve with immediate access to policy information. many insurers offer policy-servicing options, such as updating your policy using an app. In other cases, the apps are more for hand brake serve, proof of insurance, and claims management .

Key Takeaways

  • Insurance companies have already given out pandemic discounts, but you can still lower your car insurance costs more.
  • Call your insurer to decrease annual mileage and remove coverage for commuting.
  • Double-check that you have all of your discounts, and comparison shop for better pricing.
  • Combine your home and car insurance with one company.
  • Find out whether usage-based insurance is available—it could save you up to 30%.
  • Review your deductibles and limits, but don’t get rid of coverage you still need.

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