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Working from home, then you might be able to save on auto insurance

737 301 June 17, 2020 at 09:08 PM
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I checked with my insurance agent today and learned that since both my wife and I are working from home for the foreseeable future, we can decrease our miles driven so as to save $194 per year.
Not really a slick deal but just a way of saving a few bucks until the world starts getting back to normal.
Jeff

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#2
Most auto insurance companies have proactively given some sort of credit, for this exact reason. That said, it appears to generally be some sort of blanket % for everyone.

what it seem you did was to lower the miles driven per year, which will be accurate for this year, but that will probably go up somewhat in the future.

so the question is, are you going to then call them back and correct the mileage? This is the sort of thing that claims get denied for - e.g. you forget to correct it, they then say "hey you drive X miles to/from work, that's way more than you said you drive, claim denied".
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#3
just an old secret out of the bag.
I did this years ago, told them I drove less than 11k a year and it lowered my insurance.

but now with all the mechanic/oil change places reporting to carfax or others, they pull that information and will charge you more.

but nnow I really do drive less than 11k
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for those that hate spelling mistakes www.walmarts.comCool

bulb save money by checking your insurance every 2 years (and not every 20) Thanks Liberty Mutual for reminding me to shop. The $842 increase this year sums it up. Across the board increase for Ohio....whatever
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#4
Oil change places report to Carfax?
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#5
Quote from talonesi
:
Oil change places report to Carfax?
CARFAX Car Care <CARFAX@noreply.email.carfax.com> Unsubscribe
Mon, May 25, 1:52 PM
to

How was your recent service?
2017 HONDA CIVIC EX-L
Valvoline Instant Oil Change
05/22/2020​ - ​35,994​ mi.
Vehicle serviced
Oil and filter changed

star star star star star
Rate Service
-------------------------------------------------------------------------------
myCARFAX <CARFAX@noreply.email.carfax.com> Unsubscribe
Thu, Sep 12, 2019, 12:58 PM
to

How was your recent service?
2017 HONDA CIVIC EX-L
Superior Honda
09/07/2019​ - ​31,216​ mi.
Vehicle serviced
Maintenance inspection completed
Fluids checked

star star star star star
Rate Service
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Last edited by stufine June 18, 2020 at 07:49 PM.
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#6
Quote from Dr. J
:
Most auto insurance companies have proactively given some sort of credit, for this exact reason. That said, it appears to generally be some sort of blanket % for everyone.

what it seem you did was to lower the miles driven per year, which will be accurate for this year, but that will probably go up somewhat in the future.

so the question is, are you going to then call them back and correct the mileage? This is the sort of thing that claims get denied for - e.g. you forget to correct it, they then say "hey you drive X miles to/from work, that's way more than you said you drive, claim denied".
The miles thing is no secret...been around forever. Anyone that has worked from home or reduced their use from drive to work to "pleasure use only" should always have your insurance agent switch you to get the lower rate. Same as getting a burglar alarm installed in your home or car, taking a defensive driving course, remove colission from a 2nd car at a 2nd or vacation home when you are not there, etc.

As to letting them know when things change, most insurance companies will send out inquires periodically and ask you for your mileage on the car\whether you travel to work. Obviously, then you have to let them know. Or they will ask you on renewal. Before that, you can just play dumb as the worst that can happen in that situation is they find out and bill you the premium difference for the period as it is not something they can deny a claim for. They can't go around and say, oh you got a new job last month and did not tell us you were driving there, so we will no longer cover you...or you went on a cross country vacation and put on an extra 10k miles in the last 3 months and did not tell us, so we are not covering you\denying your claim.
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#7
Quote from Dr. J
:
Most auto insurance companies have proactively given some sort of credit, for this exact reason. That said, it appears to generally be some sort of blanket % for everyone.

what it seem you did was to lower the miles driven per year, which will be accurate for this year, but that will probably go up somewhat in the future.

so the question is, are you going to then call them back and correct the mileage? This is the sort of thing that claims get denied for - e.g. you forget to correct it, they then say "hey you drive X miles to/from work, that's way more than you said you drive, claim denied".
got 20 bucks big deal
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#8
Quote from YanksIn2009
:
The miles thing is no secret...been around forever. Anyone that has worked from home or reduced their use from drive to work to "pleasure use only" should always have your insurance agent switch you to get the lower rate. Same as getting a burglar alarm installed in your home or car, taking a defensive driving course, remove colission from a 2nd car at a 2nd or vacation home when you are not there, etc.

As to letting them know when things change, most insurance companies will send out inquires periodically and ask you for your mileage on the car\whether you travel to work. Obviously, then you have to let them know. Or they will ask you on renewal. Before that, you can just play dumb as the worst that can happen in that situation is they find out and bill you the premium difference for the period as it is not something they can deny a claim for. They can't go around and say, oh you got a new job last month and did not tell us you were driving there, so we will no longer cover you...or you went on a cross country vacation and put on an extra 10k miles in the last 3 months and did not tell us, so we are not covering you\denying your claim.
Its still lying. Now I am not saying that if it's off by 1k they are going to come down on you, but depending on your commute, a big disparity could qualify as lying and yes they can deny a claim because of it.
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