In addition to the refund programs, many insurers are offering financial hardship programs that could provide those struggling to pay their bills with a grace period to pay their insurance premiums late without incurring late fees or losing coverage. "This is the same advice we give to people who retire from their job: Call your insurer and tell them you're not driving to work every day anymore so you should be re-rated as a lower mileage driver," Heller says. This would make sense for someone who used to have a 50-mile daily round trip commute who's now working from home and only driving to the grocery store once a week, for instance. If you are somebody who's had a particularly significant drop in mileage, you may want to call your insurance company and ask to be re-rated as a lower mileage driver, says Doug Heller, an insurance expert with CFA. "There's certainly room for those who haven't taken action to provide relief." "It's clear that for the bulk of insurers, there's room for improvement - even among those providing relief," says Birny Birnbaum, executive director of the Center for Economic Justice. Initiatives from State Farm and American Family received high marks from the consumer advocacy group for the amount of relief offered and the speed at which it's promised to be delivered. But those refund programs vary widely from insurer to insurer.
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