With more people working from home than ever before, it’s natural to wonder how this shift might affect your auto insurance. At Insurance Over Texas in Houston, TX, we often receive questions about whether driving less can lead to lower premiums. The answer is yes, but there are a few important details to consider before expecting significant savings.

How Reduced Driving Impacts Your Rate

Auto insurance companies factor in how much you drive when calculating your premium. If you previously commuted daily but now rarely drive during the week, your risk of being in an accident has decreased. This could make you eligible for a lower rate. However, the change isn’t always automatic; you’ll likely need to contact your insurer and update your annual mileage.

Usage-Based Insurance Programs

Many insurance providers now offer usage-based programs that track how much and how safely you drive. These programs often use a mobile app or a device that plugs into your car. If you’re working from home and driving less, enrolling in such a program could help you save even more. Keep in mind, though, that your driving habits, such as hard braking or speeding, can also influence your discount.

Reviewing Your Policy Pays Off

If your lifestyle has changed, it’s a good time to review your auto insurance policy. You may discover additional opportunities to save or adjust your coverage to better align with your current needs. Working from home doesn’t just impact your commute; it could also benefit your wallet.

Consult a Local Insurance Expert in Houston

At Insurance Over Texas in Houston, TX, we can help you understand how working from home might affect your auto insurance. Contact us today to review your policy and explore your options for savings.