Being stuck at home has one plus: You could save a bunch of money on your car insurance

If you’re one of the lucky ones who gets to work from home during this coronavirus crisis, you may be able to save some money.

And we’re not just talking about saving because you can’t eat out anymore, shop at stores or attend any shows.

It’s because you’re not really driving anymore (remember traffic hell?).

A number of people whose jobs involve staring at a computer screen all day are putting so few miles on their cars these days that major car insurance companies are doling out the temporary deals.

Caveat: Companies may not exactly come out and tell you. Check out their websites or social media channels for more details/fine print. Even better, call and hang on hold for an hour.

Geico, for example, did not advertise any special discount during the coronavirus lockdown, at least that we saw as a policyholder.

Though last month, customers did get an email as well as a Facebook notification from president Todd Combs saying, “To better assist those impacted by the crisis, we are pausing cancellation of coverage due to non-payment and policy expiration, effective immediately.”

The “pause” will remain in effect through April 30, the date set forth by President Donald Trump’s COVID-19 task force, the amount of time believed to slow the spread.

“The ongoing situation impacts everyone, and we want our policyholders to have some peace of mind knowing we’ll be there when they need us most,” wrote Combs. “We’re also prepared to offer maximum flexibility, including special payment plans to those who need it once normal billing operations are scheduled to resume.”

A calm and collected call to Geico revealing we now only drive about 40 miles a week, as opposed to the pre-coronavirus 300, netted us a little under a $10 a month discount for April and May on a leased 2019 Ford Ecosport SUV. A coworker called and got a $297 discount on her $2,382 regular premium, which covers two cars, a 2017 Mini Cooper Clubman and a 2020 Jaguar F-Pace. The discount is prorated over the life of the premium payments, but will be reassessed in June to determine if their situation has changed. So the discount is only temporary.

Hey, that’s enough to stock up on toilet paper.

Other folks around town have reported savings with such auto insurance companies as Allstate, which is handing out a blanket 15 percent refund in April and May.

“Given an unprecedented decline in driving, customers will receive a Shelter-in-Place Payback,” said Allstate CEO Tom Wilson in a statement. “This is fair because less driving means fewer accidents.”

Progressive is another company giving breaks during this challenging time. “No policies will be non-renewed or canceled due to non-payment through May 15,” it says on Instagram.

Again, it’s best to check with your plan individually, as policies vary due to safe drivers, type of car, number of people who drive it and so forth.

Prepare to hang on the phone awhile. Don’t forget to mute.