Can a Parking Ticket Affect Your Auto Insurance Costs?

How does getting a parking ticket influence your insurance costs?Can a Parking Ticket Affect Your Auto Insurance Costs?

Getting a parking ticket is bad enough as it is, but having it affect your auto insurance rates would make the situation even worse.  So, do parking tickets somehow affect your car insurance costs?  Here’s what you need to know.

Parking Tickets and Car Insurance

Drivers will be pleased to know that parking tickets do not have any impact on their auto insurance premiums.  While moving violations, such as speeding tickets and DUIs will raise your insurance rates, non-moving violations such as parking tickets are of little concern to your insurer.  Because moving violations and traffic accidents indicate that you are a bad or risky driver, these issues will result in higher insurance costs.  Parking tickets don’t have anything to do with your driving habits, in fact, they don’t even show up on your driving record.  So, whether you have one or twenty parking tickets to your name, they shouldn’t have any impact on your car insurance costs.

Tickets that Do Affect Your Insurance Cost

As mentioned above, receiving a moving violation will increase your auto insurance rates.  Common moving violations include the following:

  • Speeding tickets
  • Distracted driving tickets
  • Careless or reckless driving
  • Driving under the influence

These types of tickets will remain on your driving record for three to five years and will affect your insurance rates during this period, especially if you have two or more of these violations within the period.

This is what you need to know about parking tickets and your car insurance costs.  Do you have further questions regarding your auto insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your car coverage needs today.

Why Your Claims History Affects Your Auto Insurance Rates

Here’s why your claims history matters to your auto insurer.Why Your Claims History Affects Your Auto Insurance Rates

When you apply for auto insurance, the insurance company will take several factors into account when determining your rates.  One of the things that they will look at is your history of past claims.  But why do insurers place so much weight onto your past auto claims?  Here’s what you need to know.

More Claims Mean Higher Costs

Auto insurers use your claims history to determine if you are a high or low-risk driver.  If you have a track record of making a lot of claims, then insurers will consider you riskier to insure.  As always, the higher-risk you are, the higher your insurance rates will be.  On a positive note, if you are a safe driver, then your auto insurance rates will be on the lower side.

How Do Insurers Know About Previous Claims?

Auto insurers will track claims from different carries with a CLUE (“Comprehensive Loss Underwriting Exchange”) report.  CLUE is a database that all insurers use to track and review your claims history.  All insurance companies submit monthly loss history reports to the CLUE database.  These reports include your personal information, your claims history for the month, and inquiries.  These reports remain in the system for 7 years before they are deleted.  Before offering you coverage, all auto insurers will check your CLUE report to determine how high-risk you are.

Comprehensive Claims

It’s important to note that comprehensive damage claims will not affect your auto insurance premiums.  Because comprehensive claims are a result of things outside of your control, such as fire, storm damage, theft, and so on, insurers will not hold these claims against you.  It is only the claims for actual at-fault auto accidents that will affect your rates.

This is why your claims history matters to your auto insurer.  Do you have more questions regarding your auto insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your car coverage needs today.

Tips to Get Your Home Ready for Spring

Try out these suggestions to get your home ready for the change in seasons.Tips to Get Your Home Ready for Spring

With spring on its way, it’s time to get your home ready for the change in seasons.  Not sure which home maintenance tasks you should complete to get ready for spring?  Then crossing these items off your to-do list is a great place to start.

  • Inspect Your Roof

Now that the weather is a little clearer, you should take the opportunity to inspect your roof for signs of damage and wear.   By taking the time to replace damaged or missing shingles and patch up cracks, you can ensure that your roof holds up against spring showers.

  • Examine Your Concrete

This spring, you should also check the concrete of your driveway and walkways for cracks and other damages.  Because cracks in your concrete can trap water and direct it towards your home’s foundation, it’s important that you repair these damages asap.  Simply applying concrete crack filler or silicone caulk will seal up your concrete and keep your home safe.

  • Check Your Power Equipment

The return of nice weather means that you will probably be spending a lot more time on yard maintenance and landscaping.  However, before you undertake these tasks, it important to check your power equipment and make sure that it’s working properly.  For instance, you should check things like your lawn mower, hedge clippers, chainsaw, and so on.  Making sure this equipment is well-maintained will ensure that your yard work goes much more smoothly.

These are some 0f the home maintenance tasks that you should take care of in preparation for spring.  Want another way to take care of your home this season? Then make sure you have the right homeowners insurance protections in place.  For assistance with your home coverage needs, contact the experts at Miller Carlisle Insurance Services for assistance today.

Understanding Term Life Insurance

Here’s what you need to know about a term life insurance policy.Understanding Term Life Insurance

While most people understand the importance of securing life insurance coverage, many are unclear about their coverage options. One of the most popular types of life insurance is term life. But how does this policy work and what does it cover? Read on to learn more about term life insurance coverage.

What is it?

Term life insurance policies offer life insurance coverage for a set amount of time, or term. Usually, term lengths last for anywhere between 10 and 30 years. Many people secure term life policies because they are straightforward and because they offer coverage for an important period of their lives. For instance, many people secure a term life policy to last them until they retire or until their children are no longer dependent on them.

How does it work?

During your term, you will make your regular premium payments. If you die sometime during your term, your beneficiaries will receive a previously agreed upon death benefit. However, once your term length ends, your life insurer no longer has any obligation to you. If you were to die once your term is up, your beneficiaries will not receive compensation. If you still need coverage after your policy expires, you will have to secure a new policy.

How much does it cost?

Because term life policies only offer you coverage for a set amount of time, they tend to be cheaper than whole life insurance options. That being said, the actual cost of your premium will be dependent on a variety of individual factors. For instance, your insurance costs will vary according to your age, overall health, your lifestyle, and so on.

This is what you need to know about term life insurance policies. Do you have further inquiries regarding your life insurance coverage? If so, contact the experts at Miller Carlisle Insurance Services. We are ready to assist you with all your personal coverage needs today.

Happy Holidays from Miller Carlisle Insurance Services

Wishing you a happy and safe holiday season.Happy Holidays from Miller Carlisle Insurance Services

With the holidays finally here, we at Miller Carlisle Insurance Services would like to take a moment to wish you and your loved ones a very happy holiday season. Of course, being safe is extremely important this time of year. As experts in risk management and insurance, we know exactly how to keep our clients safe from all the risks they face. Try out these safety tips to protect the people and things that matter most to you this holiday season.

Fire Safety

  • If you want to light up your fireplace this winter, make sure you are taking all the necessary safety measures. Please refer to our blog “Winter Fireplace and Chimney Care” for some helpful safety tips.
  • Do not use real candles to decorate your home; having lit candles increases your home’s risk for fire significantly. Instead, try using electric or flameless candles to decorate.
  • If you want to decorate your home with lights, make sure you inspect each light for damages. Discard any strings of light with broken bulbs, frayed cords, or exposed wires, as they pose a fire risk for your home.
  • When cooking, never leave your stove or oven unattended while they are switched on.

Traveling Safety

  • Before you set out on a winter road trip, make sure you have your car inspected by a professional. This will reduce your chances of breaking down in the midst of your journey.
  • Check the weather conditions you will encounter on your drive. Then, make sure your car is properly equipped to deal with these conditions. For instance, if you are expected to encounter snow, make sure your car is equipped with winter tires, snow chains, and heavy-duty windshield wipers.
  • During your drive you are sure to encounter drivers who are behaving unsafely. Do not engage with these drivers or react in a fit of rage. Instead, do your best to avoid them and drive defensively when you are near them.

Home Security Safety

  • If you are going to be away during the holidays, keep your plans under wraps. You do not want to advertise that your home will be uninhabited for days at a time.
  • While you are gone, hire a house sitter or ask a friend to collect your mail and check on your home every day. This will reduce your chances of a break-in while you are gone.
  • Another way to protect against a home invasion is by installing a home security system.

These are some of the safety tips we urge you to take this holiday season. Want another way to stay safe? Make sure you have the right personal insurance protections in place. For assistance will all your coverage needs, contact us at Miller Carlisle Insurance Services today.

Smart Hacks for Defrosting Your Car’s Windshield

Here are some of the tips you should try to defrost your windshield this winter.Smart Hacks for Defrosting Your Car’s Windshield

If you cannot keep your car inside this winter, you will have to deal with a fresh layer of frost or ice on your windshield every morning. While this is annoying, having a clear windshield is essential for safe driving. To ensure you drive safely this winter, here are some of the suggestions you should try to quickly and effectively remove ice and frost from your car’s windshield.

1) Ice Scraper

Using an ice scraper is the most tried and true ice removal method. Most scrapers feature a scraper to remove thick sheets of ice while the opposite end features a soft brush that you can use to clear away snow. Make sure you use each side for their respective jobs to avoid scratches on your glass or paint.

2) De-Icing Fluid

If the scraping method is too time-consuming, you can facilitate the process by using a chemical de-icer. While you can purchase this liquid at your local auto or hardware store, you can also make your own with ingredients you already have in your home. To make your own de-icer, combine one part water with two parts isopropyl alcohol. Spray this mixture onto your windshield and the ice should simply melt away.

3) Warm Water

If the ice on your car is particularly stubborn, you can pour warm water onto your windshield to melt it down slightly. However, you need to be very careful if you are using this method. Applying water that’s too hot could cause your glass to shatter. Be cautious and only use water that is lukewarm at its hottest.

These are some of the suggestions you should try to quickly and effectively de-ice your car’s windshield this winter. Want another way to drive safety this season? Make sure you have the right auto insurance protections in place. For assistance with all your car coverage needs, contact the experts at Miller Carlisle Insurance Services today.

Do I Have Enough Personal Liability Insurance?

Is your homeowners policy offering you enough liability protection?Do I Have Enough Personal Liability Insurance?

When you secure a homeowners insurance policy, it actually consists of four main coverages: property coverage, personal property coverage, loss of use coverage, and personal liability coverage. Your personal liability coverage is what will offer financial protection in the event that an accident takes place on your property, or if you are found responsible for third-party injuries or property damage. As personal liability issues tend to result in the most expensive claims, it’s important to ensure that you have adequate protection. Here’s what you need to know about securing the comprehensive personal liability insurance that you need.

Do I have adequate coverage?

When it comes down to it, there is no set amount of liability coverage that you need to carry. Because everyone has different risk factors, everyone has different liability insurance needs. The amount of coverage that you carry is dependent on a series of individual factors. For instance, if you own a pet, have a swimming pool, or have a trampoline on your property, you would need more coverage than someone who does not. Additionally, your coverage limits should increase along with your income, investments, and home property value. To determine exactly how much liability protection you need, speak to a trusted insurance agent today.

Can I increase my coverage?

If you would like to secure more personal liability insurance, you have some options. You can speak to your insurer and have the personal liability coverage limits on your existing homeowners policy increased. This is convenient if you only want to increase your coverage a little. If you would like a more comprehensive insurance solution, you should secure a personal umbrella policy. This type of insurance offers coverage in the event that a liability claim exceeds your existing coverage limits or is not covered under your policy. Investing in an umbrella policy is a great way to fill your liability coverage gap.

This is what you need to know about securing the right amount of personal liability coverage. Do you have further questions regarding your liability or homeowners insurance? If so, contact the experts at Miller Carlisle Insurance Services. We are ready to assist you with all your coverage needs today.