Why does my car insurance need my work address?

You can use your work address for car insurance when you're comparison shopping online and want to remain anonymous. You may be required to provide your work address for car insurance if it is your normal billing address, but a ZIP code will give you a more accurate car insurance quote online. Start comparing now with our free tool below.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Aug 14, 2020

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Here's what you need to know...

  • There are several possible personal reasons why the office could be the preferred place to receive any mail
  • Some people use their work address for car insurance as a way to save money and maintain anonymity
  • A work address for car insurance can be used as a way to keep all of one’s bills together in one place

A notice from your insurance carrier to your place of business, could have your co-workers wondering, why put a work address for car insurance?

There are many reasons why people receive correspondences regarding their car at work.

For example, if you combine your personal car with your commercial car insurance vehicles, you may qualify for a discount with many insurance carriers.

Getting car insurance quotes is easy! Your zip code is the only requirement to get started.

Reasons Why a Work Address for Car Insurance is Preferred


There are several reasons why people prefer to receive their car insurance correspondences at work.

Some of those reasons include:

There may be other existing reasons as well, but these are the most common.

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Why a Work Address for Car Insurance Saves You Money

Savings written on a graph with a calculator beside it.

Using your business address could save you money in premiums and taxes, especially if you use your vehicle for business. Your insurance premiums may be tax deductible or make the business eligible for tax credits.

Even if you do not use your personal car for business, there are ways insurance companies offer discounts for allowing them to insure both your personal vehicle and business vehicles.

Whether the option is a multi-line policy discount or carrying your personal vehicle as a rider on your commercial vehicle policy, discount options are available.

If your email address is your work address, then you may save money acquiring your car insurance online.

To encourage automation and save the company the time and expense of having a customer service representative answer your call, some car insurance companies offer online discounts.

For simply conducting your business online, you can actually save a few dollars in premiums. Rental car companies are examples of businesses that offer incentives for using their website.

Using a Work Address for Car Insurance & Other Bills

Organized people tend to streamline information. Some of these people receive all their bills at work because this is where they conduct all of their business.

If you are technically well informed, then you probably have a smartphone that you use to conduct all of your business. You may even pay all of your bills online.

For this reason, only one email address is necessary for all bills including your car insurance.

Why a Work Address for Car Insurance Maintains Anonymity


If you perform all of your business tasks online then you are probably comfortable using your email address for everything without security concerns.

Encrypted websites ensure security and should be the only way you disclose account information online. You are able to maintain anonymity without worrying about someone stealing your identity.

Transacting business this way is convenient for many people.

The insurance carrier can draft the premiums via your email address. You could make your payment in less than five minutes from a PayPal account or bank account.

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Why a Work Address for Car Insurance is a Good Place to Start


If you want to try an insurance company to see if they will meet your needs with good rates and good customer service, then your work email address or physical business address may be a good place to start.

However, sometimes spam mail can be an issue with using an email. Instead, use your zip code to find insurance rates.

You can receive comparison quotes from up to 10 to 20 carriers, narrow them down, and make a decision without the pressure of constant emails and letters.

To get online car insurance quotes today, enter your zip code now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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