Why Your Auto Insurance Rates Might Seem High

Find out why your car insurance seems so expensive.Why Your Auto Insurance Rates Might Seem High

Do your auto insurance rates seem to be on the higher side? If so, there are some legitimate reasons that explain why your premiums are so expensive. Curious to learn more about this price disparity? Here are some of the reasons why your car insurance might be more expensive than other drivers’.

  • You Set a Low Deductible

Your deductible is the amount of money that you agree to pay towards car repairs before your auto insurance kick in. For instance, if you set a deductible for $500 and get into a car accident, you would have to pay this $500 before getting access to your insurance coverage. It’s important to understand that your deductible and premium have an inverse relationship. This means that the lower your deductible is, the higher your premiums will be. If you want to reduce your auto insurance rates, consider raising your deductible.

  • You Drive a Specialty Vehicle

If you drive a high-performance or specialty vehicle, you should expect your insurance rates to be higher than drivers who own standard vehicles. This difference in premiums is because specialty vehicles often require special parts, special services, and have higher repair costs than regular cars. So, if you are the proud owner of a fancy sports car, you will also be on the hook for higher insurance costs.

  • You Have a Bad Driving Record

Finally, if you have a history of receiving traffic violations or filing insurance claims, you will be considered a reckless driver. Because you are riskier to insure, you will have higher insurance rates. If you want to get access to lower insurance premiums, focus your efforts on keeping your driving record clean. As time goes on, you should expect to see your insurance rates drop.

These are some of the reasons why your auto insurance seems so expensive.  Do you have other questions regarding your auto insurance?  Turn to the professionals at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your insurance needs.  Contact us to get started today.

Common Insurance Terms Made Easy

Here are some of the most commonly used insurance terms defined for your benefit.Common Insurance Terms Made Easy

Trying to make sense of your insurance is hard enough without the added confusion of industry-specific jargon.  If you’ve struggled with unfamiliar insurance terms in the past, you are certainly not alone.  Here are the definitions to some of the most commonly used terms to help you out.

Additional Insured – Any person or party, aside from the policyholder, who is added to the policy so that they will receive coverage under the policy.

Claim – A request by the policyholder for insurance compensation.  For instance, if you got into a car accident, you would file a claim requesting your auto insurance to kick in.

Conditions – The portion(s) of an insurance policy that explains the responsibilities of the insured and the insurance provider.

Deductible – The amount the policyholder agrees to pay before insurance coverage kicks in for an insured loss.  For instance, if you assume a $500 deductible on your homeowners insurance and your home was damaged, you would have to pay this amount before your insurance coverage kicked in.

Endorsement – Also known as a “policy rider,” this is any change made to an existing policy that alters, deletes, or adds coverage.

Exclusion – A provision in a policy that excludes or limits certain coverages.

Named Insured – The person or entity specifically covered by an insurance policy.  This person is also referred to as the policyholder.

Named Perils – Also known as specified perils, these are covered hazards that are specifically listed in an insurance policy.

Premium – The amount of money an insurance provider charges in exchange for providing coverage.

Use these definitions to make your insurance easier to understand.  Do you still have questions regarding your coverage?  Don’t hesitate to turn to us at Miller Carlisle Insurance Services.  Our highly-trained team is ready to assist you with all your insurance needs.  Contact us to get started today.

Factors That Help Your Insurer Determine Fault

Here are some of the things your insurer will rely on to determine fault after an accident.Factors That Help Your Insurer Determine Fault

While most car accidents are unintentional, your auto insurer still has to determine which driver was technically at fault.  As they attempt to piece together what happened, your insurer will take different things into consideration.  Here are some of the factors that they will use to help them determine fault.

Official Police Report

After an accident occurs, an official police report will be released revealing the police’s findings and what they believe occurred.  This report has the most influence on your auto insurer’s decision.  Your insurer places so much weight on their report because it tends to be more reliable and less biased than the accounts of the drivers that were involved in the crash.

Your Evidence

While important, the official police report isn’t the only piece of evidence that your insurer will consider.  They will also take into account the evidence you supply.  For instance, the photos that you take of the accident scene and the photos of your vehicle can be used to establish degree of fault, and can also back up your own account of what happened.

Remember, your insurance provider will work hard to establish fault as objectively and accurately as possible.  In the meantime, it’s important that you do not admit fault for the accident.  You should cooperate with the police and other driver, but you should not elaborate more than you are asked to.  Even if you are sure that you were the one at fault, let the police investigate for themselves.  It’s possible that the accident was actually caused by something you were unaware of.

These are some of the factors that your auto insurer will take into account as they attempt to establish fault.  Do you have more questions regarding you auto insurance coverage?  Don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our dedicated professionals are ready to assist you with all your insurance needs.

Tips for Driving in Unfamiliar Cities

Try out these suggestions as you navigate a new city.Tips for Driving in Unfamiliar Cities

Driving in an unfamiliar city can be stressful for even the most experienced drivers.  Fortunately, there are steps that you can take to put yourself at ease.  If you are attempting to navigate through a new city for the first time, try out these suggestions to help you stay safe.

  • Stay Vigilant

The majority of pedestrian and bicyclist fatalities take place in urban settings.  This is why you need to be hyper-vigilant about foot and bike traffic as you drive through the city.  Because you are not familiar with the streets, you have a higher chance of becoming distracted and forgetting about those around you.  If you feel yourself becoming overwhelmed, take a moment to pull off the road and collect yourself.

  • Research

While many drivers simply rely on their GPS to help them navigate, when you are traveling through a new city, it’s better to research your routes and destinations before you set out.  Not only will this help you drive more confidently, but doing research beforehand can also help you figure out things like parking and traffic.

  • Consider Alternative Forms of Transportation

Many urban areas boast reliable public transportation systems.  Additionally, when you are in a city, many things tend to be within walking distance.  This is why you should consider ditching your car and traveling through the city using alternative forms of transportation.  Not only will this remove the stress of trying to navigate an unfamiliar place, but it will also allow you to take in your surroundings in a more leisurely way.

Try out these suggestions to help you safely drive through an unfamiliar city.  Want another way to stay safe on the road?  Make sure you have the right auto insurance coverage to meet your needs.  To find the right policy for you, don’t hesitate to contact the professionals at Miller Carlisle Insurance Services.  Our team is ready to assist you will all your coverage needs.

Who is Covered by My Car Insurance?

Find out who is protected by your car insurance.Who is Covered by My Car Insurance?

While many car owners are generous with their vehicles, you should understand the coverage limitations of your auto insurance before you lend your car out freely.  Here is who your auto insurance covers and how far your coverage extends.

Immediate Family

Normally, your immediate family members who live under the same roof as you are covered under your auto insurance.  This means that your spouse, children, and siblings are all safe to use your car, so long as they are doing so with a valid driver’s license.

Extended Family and Friends

Your extended family members and friends are typically covered by your insurance due to the rule of permissive use.  Essentially, permissive use states that any driver is covered under your policy, so long as they have your express permission to use your vehicle.  However, you should be aware that drivers protected under permissive use have lower liability limits than drivers that are explicitly listed on your policy.  Additionally, permissive use only applies to drivers who use your car for short, infrequent periods of time.  If a family member or friend is intending to use your car more regularly, you should add their name to your policy to ensure that they have proper coverage.

Boyfriend/Girlfriend

If you and your significant other live separately, they are likely covered under permissive use much like your other friends.  However, if you live together, the situation changes slightly.  In this case, it’s better to list your boyfriend or girlfriend on your policy to ensure that they are covered.

These are the people who are covered under your car insurance.  Do you still have questions regarding your auto insurance coverage?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our knowledgeable professionals are ready to assist you with all your coverage needs today.

Avoid These Driving Habits This Winter

Stay safe this winter by avoiding these dangerous driving habits.Avoid These Driving Habits This Winter

While driving always carries some risk, driving during the winter months is especially dangerous.  While you can normally get away with certain driving habits, these same habits become much more risky under winter weather conditions.  If you want to stay safe on the road, make sure you avoid these driving behaviors this winter.

Speeding

While you should always try to honor the posted speed limit, it is particularly important to avoid speeding in the winter.  During the winter months, wet and icy road conditions can increase your chances of skidding.  When you speed, your tires get less traction on the road, increasing your chances of skidding even further.  To avoid sliding off the road, getting into an accident, or losing control of your vehicle, make sure you reduce your speed this winter.

Tailgating

Like speeding, tailgating is another driving habit that you should probably break, regardless of the weather conditions.  However, in the winter, tailgating carries additional risks.  When you follow a car too closely, you might not have enough time to react to sudden traffic hazards.  For instance, if the car in front of you suddenly spins out after hitting a patch of black ice, chances are you won’t have time to react before hitting the same patch of ice.  Increasing your following distance is one of the best ways to protect against such dangers.

Slamming on Your Brakes

As previously mentioned, during the winter, the roadways can become wet and icy.  This in turn reduces the amount of traction your tires have on the road.  When you suddenly hit your brakes, your tires lock up and often have nothing to grip.  This increases your chances of skidding and loosing control of your vehicle.  When you want to use your brakes, apply them slowly to gradually bring your car to a gentle stop.

These are some of the driving habits you should avoid to drive more safely this winter.  Want another way to stay safe while on the road this winter?  Make sure you have the right auto insurance protections in place.  To find the right policies to fit your needs, contact the professionals at Miller Insurance in Carlisle, Pennsylvania.  Our dedicated team is ready to get you covered today.

Update Your Auto Insurance this Winter

Protect your car from these winter hazards. Update Your Auto Insurance this Winter

Winter brings its own set of weather and traffic dangers that could put your vehicle at risk.  If you are a car owner, it’s important to make sure your car has the updated protection it needs this winter.   Speak to your insurance provider to make sure that you have coverage to protect against these seasonal risks.

Increased Chances of Collision

Driving during the winter months can be extremely hazardous.  For instance, wet weather and colder temperatures can leave roadways slick with ice, and heavy rain or snowfall can reduce visibility.  These are just a few of the conditions that increase your chances of getting into an accident this winter.  Unfortunately, even with defensive driving strategies, it’s not always possible to avoid a traffic collision.  That’s why it’s so important that you speak to your insurance agent and get the updated coverage you need this winter.

Increased Chances of Weather Damage

Your car doesn’t just face hazards on the road; simply leaving your car outside can increase your chances of sustaining damage.  For instance, during the winter months, heavy snowfall can cause tree limbs to fall on to your vehicle, sudden hail storms could smash your windows, and falling icicles could dent your car’s exterior.  Additionally, if you live in an area prone to winter storms, then your car could be at risk for flood or blizzard damage.  With all these weather hazards your car faces this winter, it’s best to make sure that you have the right insurance protection in place.  Speak to your agent to discuss your individual risk and update your auto insurance accordingly.

These are just a few of the many dangers that your car faces this winter.  That’s why it’s so important that you be proactive and make sure you update your coverage in preparation for these seasonal risks.  To update your auto coverage, contact the expert team at Miller Insurance in Carlisle, Pennsylvania.  We are ready to get you the coverage you need today.