It’s funny when you work from home how all the things that you use for your personal time are also the same tools you use to conduct your business.
Your car is no exception.
If you use your car to go to a client’s office, you’re using your car for business use - that means if you get into an accident and they find out you were on your way to a work appointment as an independent contractor - well - you might not be covered.
Take the time to get multiple auto insurance quotes that include business usage. If you only use it now and then, you may be surprised how reasonable the price is!