You won’t find out until you look.

During a recent conversation with my sister about our work-from-home setups, she shared an interesting insight with me: due to her reduced driving from working at home, she wondered if she could secure a refund from her car insurance company. It seemed illogical to pay full insurance premiums for a vehicle she rarely used. Following a quick call to her provider, she successfully reclaimed a portion of her payment.

Insurance companies, particularly auto insurers, prioritize retaining customers. They benefit from policyholders who are not actively utilizing their coverage. While insurance is a crucial necessity, exploring avenues to reduce costs is always advisable.

The key to unlocking insurance rebates or discounts is merely asking the right questions. Many insurance providers offer various discounts and benefits that often go unnoticed because most people don’t delve deep into the fine print. By contacting your insurer and querying about potential discounts or rebates, you’re likely to unearth opportunities, as most companies are eager to please their clients.

However, the catch is that to avail these concessions, you must be willing to comply with the stipulations outlined by your insurer. Following my sister’s successful attempt, I reached out to my auto insurance provider with a similar request. While they proposed a discount for me, it hinged on installing a dash cam in my vehicle, a measure with which I wasn’t entirely comfortable. Nonetheless, I am grateful for the inquiry as I now know the option exists should I reconsider in the future.