If you are a work-at-home entrepreneur like me, then you probably don’t spend all that much time outside of your home for business purposes. This is especially true of people like freelance writers and web designers, because the bulk of our contact with our clients is via phone and email. There really isn’t much of a need to ever see these people in real life, especially if you’re dealing with folks half a world away.

One of the key advantages to working from home is that you can save on several expenses that you would normally have if you worked outside the home. For example, you don’t really need to pay for office space, because an extra bedroom can serve as a home office (and as a tax deduction). You also save on the daily commute, because getting to the office is as easy as strolling down the hall.

With this in mind, the insurance that I have on my car is listed as “pleasure only” as opposed to the “to get to work and/or school” tag that it carried previously. This saves me a fair chunk of change each year, but many work-at-home professionals are hesitant to make the switch, because they fear that they will no longer be able to use their car (and related expenses) as a tax deduction. This simply is not the case, at least not in British Columbia.

When a vehicle is insured as pleasure only, there is a stipulation that it can still be used for business in up to six days each calendar month. Six days is perfectly adequate for most freelance writers and other work-at-home entrepreneurs, because how often do we leave the house for business purposes? I’d imagine that the majority of your kilometres would still need to be non-business and/or the majority of your “trips” would need to be non-business. I can’t say for sure.

Saving money is just as important as making money. An auto insurance is one way to save.