Why Car Insurance Companies Love Telecommuters

It probably wouldn't take much to convince you of the benefits of telecommuting. The chance to miss spending hours stuck in rush hour traffic every morning is probably enough to do the trick! All of us want to be able to go to work in our pajamas, but if you do a little digging you're going to find another major benefit to saying goodbye to the daily rat race. Car insurance companies absolutely love telecommuters.

What makes telecommuters so special? When you bought your car insurance policy you probably had to answer a bunch of questions revolving around where you worked, how far you traveled and, most importantly, how many miles you put on your car every year. People who put more miles on their car annually are more likely to be involved in an accident than those who stick close to home. Yes, statistically speaking, more accidents happen within ten miles of your home than just about anywhere else, but the more time you spend in traffic the worse the odds are that you're going to find yourself head to head with another driver.

And then there's the part about road rage and highway fatigue after you've been sitting on the interstate for three or four hours, but we won't get into that here.

The bottom line is that telecommuters are less likely to cost their car insurance companies money, and car insurance companies reward that by offering them great savings on their car insurance rates. If telecommuting isn't an option for you for one reason or another (hospital administrators tend to laugh hysterically at phlebotomists who suggest they can do their job from their living room!) you're not doomed to a lifetime of absurdly high insurance payments, but if you have the chance to work even part of the week from the comfort of your living room you can easily shave 10-20% off your annual premiums.

If you're working in a job that could easily become a telecommuting position at least part of the time but your boss hasn't jumped on the work from home bandwagon yet, do a little research to come up with the best way to pitch the idea to them. Many employers are dragging their feet because they're afraid that employees will be less productive working from home. The good news is, you've got numbers working in your favor here.

Take a look at your technological capabilities. Do you have to spend the day on a multi-line phone system, or have access to a fax machine? More importantly, is your company's intranet set up to allow you to move mass data from home? (This is the problem many telecommuters are running into.) Once you've worked out the specifics of your company's techie needs you're ready to pitch the idea and take the first step toward living the American dream and kissing those suits and ties goodbye.

Michael F. McDonough is a National Account Representative for QuoteScout.com. For more information on how to cut the commute and save on car insurance, visit them on the web at http://www.QuoteScout.com

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