Tips and Ideas for Cutting Car Insurance Coverage

Keeping your car insurance costs low is important, especially if you are on a tight budget. The following tips and tricks will allow you to save a chunk of cash from your insurance costs for the year. Saving money on your auto insurance can be a family affair and is a great way to teach young drivers the benefits of good grades and practicing safe driving habits.

Good Driver Discounts

Good driver discounts apply to each family that can maintain a good driving record. This normally means no tickets, warnings, or accidents. With the small beacons that are now being offered, your insurance company can monitor your driving habits by monitoring the computer in your vehicle. The safer you drive, the higher your grade. Maintaining a high grade with no tickets or traffic infractions may be able to get you a lower premium.

Take a Driver’s Education Class

Many drivers are finding out that taking a Safe Driver, Defensive Driving, or Driver Education course not only refreshes their driving skills but also knocks a few dollars off of their premiums each month. The courses are also designed to update a driver’s knowledge regarding the rules of the road. It’s a great way for older drivers to brush up on many of the lessons they may have forgotten over the years. You’re never too old to learn something new. Enrolling in a drivers’ education class may be just what you need to reacquaint yourself with the rules of the road.

Bundle Your Home and Auto Policy

Bundling your home and auto policies makes less work for your insurance agent and lower premiums for you. It allows you to access all of your policies in one convenient location, so you don’t have multiple policies to review or premiums to pay each month. The more you can bundle into one policy, the more you will save over the life of your policy. Reviewing your bundled policies every few years will make sure you are only getting the coverage you need.

Encourage Your Student to Get Good Grades

Just like the good driver discount, students can earn discounts as well. Students who can maintain a high-grade point average are proving themselves to be responsible. This will reflect in their driving record as well. Insurance companies are quick to reward those students who go the extra mile. Students, who are star students, as well as competitive athletes, are also more likely to bring home better grades and score lower auto insurance premiums.

Increase Your Deductible Limits

You can generally choose a deductible when selecting your car insurance. A deductible is an amount of money you will pay before the insurance begins to pay in the event of an accident, theft or any type of damage to the vehicle. Depending on the policy, deductibles usually range from $250 to $1,000. But usually, lower deductibles mean higher annual premium. Ask your agent how your premium might be affected if you raise your deductible. If you don’t want to file for smaller claims to avoid the risk of increasing your premium, raising the deductible is a practical move to keep premiums low.

At Miller Carlisle Insurance Services, the agents always look for ways to help their clients save money. They offer several tips designed to lower premiums and help their clients maintain the coverage they need. When you are ready to review your auto insurance coverage, call your agent and schedule a consultation to get the best possible rates for all of your insurance needs.

Covering Engine Failures with Your Car Insurance

Depending on the additional features in your car insurance policy, your engine failures may or may not be covered. Here are three auto insurance features that cover engine failures.

1. Collision Coverage

As the name implies, collision coverage is a type of no-fault coverage covering the cost of repairing or replacing your car if an object or another car wrecks or damages your car, whether or not you’re liable for the damage. Of course, this coverage extends to your engine, meaning it covers your engine when a covered peril causes engine failure or damage. Because collision coverage only covers your car in the event of a collision crash, it excludes most other common auto insurance perils that may lead to the failure or loss of your car’s engine, including, among others, wear and tear, theft, and fire.

2. Comprehensive Coverage

Unlike collision coverage, comprehensive auto insurance coverage covers non-collision damage to your car. Some of the covered perils under comprehensive coverage include:

• Explosion
• Fire
• Theft
• Falling objects

In essence, if a covered event, such as a fire, leads to engine failures, you can file a comprehensive coverage claim for engine failures. Of course, when filing such a claim, you would need to prove the named peril is directly responsible for the engine failures. For this reason, you should perform regular maintenance on your car’s engine and store the maintenance records in a safe place because they’ll help you build a strong case when filing a comprehensive coverage claim for engine failures.

3. Alternative Coverage

If your car insurance coverage offers no coverage for engine failures, you should purchase supplemental coverage. Some of the additional car insurance coverages you should consider carrying include:

• Manufacturer’s powertrain warranty
• Manufacturer’s bumper-to-bumper warranty
• Extended warranty
• Mechanical breakdown warranty

These are the three auto insurance features that cover engine failures. For assistance with all your auto insurance coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Getting a Good Car Insurance When You are Under 25

If you are a young driver aged 25 years or younger, you can get good car insurance coverage, especially if you shop around and compare different coverages. Here are some of the key factors to consider when shopping for such coverage:

1. Mandatory and Optional Auto Insurance Coverage

When it comes to auto insurance, most states across the U.S. require motorists to carry auto liability insurance coverage. However, in addition to liability insurance, some states require motorists to have supplemental insurance coverage, such as personal injury protection and uninsured motorist coverage. As a young driver, you should be well aware of your state’s car insurance coverage requirements and buy the necessary mandatory coverage. Besides the mandatory coverage, you may also want to purchase additional coverage to cover your car, passengers, and yourself.

2. Car Insurance Discounts for Those Under 25

Most auto insurance companies have discount programs aimed at young drivers. Examples of these discount programs include:

• Good student discounts –

Designed for young drivers aged 25 or under who are full-time students, these discount program aims to reward academic overachievers. To qualify for such discounts, you have to achieve and maintain the academic performance metrics set by your insurer.

• Renters insurance policy discounts –

Suppose you are staying in a rental property and have renters insurance coverage. In that case, you may qualify for a multi-coverage discount provided you purchase both your car insurance and renters insurance coverage from the same insurer, especially an insurer that offers bundled pricing.

• Employer-specific group discounts –

Most auto insurance companies offer employer-specific group discount programs. It means that you may qualify for a car insurance discount if you work for a business or organization with such a program. To find out if your company/organization is taking part in such a program, speak with your HR department.

If you’re a young driver aged 25 years or younger, use these tips to get good auto insurance coverage. For assistance with all your auto coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, Pennsylvania. We will help you find the best auto insurance policy.

When Should You Drop Collision Insurance on Your Car?

Road accidents or collisions can happen at any time. In such situations, having collision insurance coverage can help cover the damages and repairs. However, some people may think about whether it is worth paying for collision auto insurance. Let’s find out.

What Is Collision Insurance?

It covers car damages caused due to collision with another vehicle or object, including rollovers. Irrespective of who is at fault for the incident, it will pay for the damages caused to your vehicle. It includes damage and repairs caused due to man-made mistakes, such as hitting a telephone pole or tree on the road, colliding with a building, or hitting a pothole or curb.

Comprehensive auto insurance coverage is helpful in the event of natural disasters such as landslide, flood, or cyclone.

When Should You Drop Your Collision Insurance?

Here are a few instances you can consider dropping your collision insurance.

  • If your premium exceeds 10% of your car’s value, you can drop your collision coverage.
  • If your car becomes older and you want to buy a new one, you can drop your collision coverage and use that money to buy a new car.
  • If the market value for your vehicle is lower than the deductible on your collision insurance, it will be better to drop it. For example, if your totaled car’s worth is $850 and your deductible is $1000, you would end up paying for the damages.

Just because collision coverage is not legally mandated does not mean you do not need this. It is important to cover the damages resulting from accidents and collisions.

Based on your needs and budget, you can decide whether to have collision coverage. For assistance with all your auto insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We help you get the right coverage you need.

Understanding Car Insurance Claims

Car insurance claims can help you during an accident, as you can get c0vered for damages caused to your vehicle. However, you need to know how many times you can claim your auto insurance in a year. Is there any limit to the number of claims you make? Let’s check this out.

No-Fault Claims

For legitimate reasons, there are no limits to the number of claims you make. However, this is specifically for incidents that were not your fault.

However, these claims require deductibles. Every time you make a claim, you must pay your specified deductible, and the remaining amount is covered by your insurance. For example, if the damage costs $300, your deductible is $250, and you need to pay that; your insurance pays only $50.

For minor damages, the cost will be paid from your deductible. If you file a car insurance claim for every accident, the insurance provider may increase your insurance rate.

At-Fault Claims

However, if an accident is caused because of your fault, you will have limits on insurance claims. Typically, if you have more than two at-fault insurance claims in three years, either your insurance rate will be increased or you will not be able to renew your policy.

Some insurance providers ignore the first auto insurance claim as part of your forgiveness policy. Sometimes, you need to pay extra to add the forgiveness policy to your coverage. Adding this ‘accident forgiveness’ coverage to your policy is a good idea if you worry about increased premiums.

Comprehensive Claims

If your car gets damaged by a flood or vandalism, you can file a comprehensive insurance claim. This does not affect your premiums unless you make too many claims in a short period.

Before making car insurance claims, you need to determine whether it benefits you. For assistance with all your coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, Pennsylvania. We will help you find the best auto insurance policy.

When Should You Drop Collision Insurance on a Car?

At some point, when you have an older vehicle, you might be thinking it’s time to drop collision coverage from your auto insurance policy. There are many reasons why people make this decision, and sometimes, it is best for you.

 

Collision auto insurance covers damage to your vehicle caused by contact with another vehicle or object, including rollovers. Your collision coverage in your policy will cover your vehicle regardless of who is at fault for the damage. Whether you hit a tree, collide with a building, or back into another car, this type of coverage can step in to help.

 

Most insurers recommend dropping your comprehensive coverage when your car’s value diminishes to the point that you cannot buy much coverage. However, you should always consider the effect the complete destruction or disappearance of your vehicle might have. For example, if you use your car daily to get to work, and your financial position would not allow you to purchase a replacement vehicle right away, then keeping coverage could be a wise choice.

 

If your vehicle is older, it might be time to drop comprehensive and collision coverage and put the money you are saving into an account to buy a new car when your current one can no longer go on.

 

Keep in mind that this is unique for each person and situation. For example: If your car is worth $3,000 and you have a $500 deductible, your potential payout would only be $2,500 if your car was totaled and you placed a collision claim. Using the 10 percent rule, if your collision and comprehensive premiums cost $250 or more a year, it is time to consider dropping the coverage.

 

Too many people drop coverage too early in their vehicle’s life, however. Talk to your insurer about this coverage and ways to save on your auto insurance. Do you have additional questions about your car coverage? Contact the experts at Miller Carlisle Insurance Services. Our dedicated team is eager to assist you with all your auto insurance needs today.

 

Is Choosing the Insurer’s Recommended Repair Shop a Good Idea?

If your vehicle has been involved in an accident and you have auto insurance, you can claim the expenses. However, in the process, your insurance provider may recommend using their repair shop. Should you choose to use the insurer’s recommended repair shop, or are you free to select any other repair shop? Keep reading to find out.

Are You Obliged to Stick with the Recommendation?

The general answer is – No. You don’t necessarily have to go with the insurer’s repair shop. In fact, in most of the US states, insurance companies are required to provide the customers with a choice by law. Explore your options for the perfect repair shop that caters to your vehicle’s needs and the requirements.

With that being said, choosing the insurer’s recommended repair shop often has more advantages that you might easily overlook.

Here are 4 reasons for choosing the insurer’s recommended repair shop:

Lighten Your Worry

A good insurance company’s priority is to make things easy for you. Finding a good repair shop after an accident can be difficult. So, insurance companies try to make it easy by recommending a repair shop. Such a beneficial service also serves to improve the image and reputation of the insurance company.

Have a Business Relationship

The insurer’s repair shop and the insurance company could have a good business relationship that makes services fast, smooth, and sometimes even discounted for the policyholders.

Meet the Requirements

The standards and requirements have likely been met by the recommended repair shop for insurers. This will ensure that all equipment, parts, and any other resources are readily available to fix your vehicle.

Discourage Scamming

The repair shop you choose can provide false claims about their vehicle parts and install old or damaged parts. Such an act could result in the denial of your application by the insurance company. To discourage such scams, a verified repair shop for insurers is the right choice.

You are free to choose your repair shop if you are particular about the quality and reputation. However, the pros of going with the insurer’s recommendation generally outweigh the cons. For assistance with all your auto insurance needs, contact the experts at Miller Carlisle Insurance Services.