Did you know that around nine in 10 employees globally prefer to work completely or mostly remotely? Meanwhile, 14% of U.S. employees — working out to around 22 million adults — work remotely. And nearly six in 10 U.S. white-collar employees prefer working from home at least three days per week.
It’s no secret that the COVID-19 lockdowns accelerated the work-from-home trend. While many companies have recalled their employees since the end of the global pandemic, others have allowed workers to ply their trades remotely.
If you love digital marketing, ZipRecruiter reports that a remote digital marketing specialist can make an average of $65,418 annually. Your salary will depend on where you live, your education and training, and your experience level.
One thing to consider if you transition from driving to work every day to working from a home office is your auto insurance coverage. Here are five things to do to save on your monthly premiums.
1. Inform Insurer
Car insurance providers base monthly premiums on various factors, including how much you drive. If you inform your insurer about your remote work arrangement, that will directly impact how much you pay every month. The less driving you do, the less risk you will face as far as accidents are concerned. That’ll be enough to reduce your premiums.
2. Be Mindful of Where You Park
Another way to lower your car insurance as a work-from-home digital marketer is to be mindful about where you park your car. Simply driving less isn’t enough. Working from home, living in a high-crime area, and parking outside on the driveway could increase theft risks.
Your insurer might boost your car insurance if you park in the driveway or lower it if you park your vehicle in a garage.
3. Find Usage-Based Coverage
Some insurance companies offer usage-based coverage. Going this route means customers pay based on how many miles they drive monthly. Through telematics, insurers can track driving habits and charge accurate amounts based on miles traveled.
While driving less will reduce the odds of accidents, it won’t eliminate all risks. Unfortunately, millions of vehicle accidents in the U.S. happen every year. If you’re involved in one and get injured, you’ll want to consider filing a personal injury claim after retaining a good personal injury lawyer.
4. Bundle Services
Bundling services is another way to save on car insurance if you work remotely. If you have home insurance, you can save money by getting car insurance from the same insurer you get home insurance from. You can also save more if you insure multiple vehicles with the same insurer.
5. Ask About Discounts
It’s a good idea to ask your car insurance provider about any discounts you might be entitled to. Pick up the phone, speak to a customer service representative, and ask. Once you inform the insurer that you work from home, don’t drive as much as you used to, and want to learn how to save money, the insurance company will inform you about available discounts.
Saving money is excellent, but don’t do so at the expense of the needed coverage. Whether or not you’re working from an office or a home office, you need to figure out whether to get basic or comprehensive coverage. You might not have a choice if you buy a new or newer car since insurers generally require full coverage in such situations. Even so, an insurer can help you get the right coverage at a good rate.
Photo by Sarah Brown on Unsplash
