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Hunter said customers can call their insurance companies and ask about the commuting surcharge.
“If you re not commuting, you should tell your insurance company they should drop you down to what s called pleasure with no commuting,” said Hunter.
Estimate how many miles you’re driving now versus pre-pandemic. Hunter said you can ask for your premium to be adjusted to reflect drastic changes in driving habits.
Camille Garcia, with the Insurance Council of Texas, points out mileage isn’t the only factor determining price. When you call to ask for discounts, ensure you understand what is still covered.
“Ask the what-if questions,” said Garcia. “What if I hit another car, what if another car hits me, what if a tree falls on my car?”