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.

What is Non-Owner Car Insurance?

Here’s what you need to know about non-owner car insurance.What is Non-Owner Car Insurance?

If you don’t own your own car, you may not see a need for auto insurance. However, there are certain scenarios in which having car coverage is extremely important. This is where non-owner car insurance comes into play. Read on to learn more about this type of auto coverage.

What is it?

Non-owner car insurance offers the policyholder liability coverage in the event that they get into an accident or cause third-party losses while operating a vehicle. Because the policy owner does not own their own vehicle, this type of insurance does not offer coverage for any damages that a car might sustain when the policyholder is behind the wheel.

Who needs it?

This type of auto insurance is a great investment for individuals who often borrow their friends’ or family members’ cars to get around, people who rent cars frequently, and drivers who often utilize car-sharing services such as Zipcar. When you borrow another’s car, their insurance will offer coverage for any accidents you get into. However, if you are involved in a particularly expensive claim, your non-owner car insurance will offer coverage to supplement the primary car owner’s policy once it reaches its coverage limits. If you frequently rent cars, non-owners car insurance will ensure that you do not have to buy liability coverage through the car rental company. This will help you save money, as rental car insurance is notoriously expensive. Finally, when you use a car-sharing service such as Zipcar, the company will offer drivers some coverage. Your non-owner car insurance will simply supplement this coverage to ensure that you do not have to pay out of pocket for any claims that exceed the car service’s coverage limits.

How much is it?

Because non-owner car insurance only offers liability coverages, these types of policies tend to be far cheaper than standard auto policies. However, the actual cost of your policy will depend on a series of individual factors such as your driving history, age, gender, and how frequently you intend to drive.

This is everything you need to know about non-owner car insurance. Do you have additional questions regarding your auto insurance options? If so, contact the professionals at Miller Carlisle Insurance Services. We are ready to assist you with all your coverage needs today.

Do You Have Enough Car Insurance?

If you are relying on auto insurance minimums, you are severely underinsured.Do You Have Enough Car Insurance?

As a car owner, you know how important it is to have the right auto insurance protections in place. However, how do you know exactly how much insurance you should have? Here’s how you can tell if you are underinsured and how you can secure the additional car coverages that you need to protect yourself.

Underinsured?

In actuality, there is no set coverage amount that separates the well-insured from the underinsured. However, if you are relying on an auto policy that only satisfies your state’s legal insurance minimums, you are almost certainly underinsured. State auto insurance minimums provide only the barest, most basic forms of coverage, and relying on this coverage alone means that you probably won’t be able to fully cover any of the claims you might have to file. Keep in mind that you are financially responsible for covering whatever your auto insurance cannot. So, if you want to reduce your risk and avoid paying out-of-pocket for claims, consider raising your coverage limits.

Securing Additional Coverage

Luckily, securing additional auto coverages is as easy as calling your insurance provider. Not only can you increase your existing coverage limits, but you can also add additional coverages to your policy that you did not have before. For instance, ask about securing collision, comprehensive, medical payments, uninsured motorist, and roadside assistance coverages. If you are not sure how much you should increase your current coverage limits, ask your insurer for their expert opinion. They should be able to offer you several options and explain how each will affect your premiums. Any time you increase your coverage, you will increase your insurance rates. However, this is a small price to pay to ensure that you have the comprehensive protection that you need.

Interested in securing the comprehensive auto insurance that you need to stay safe?  Then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to get you the coverage that you need today.

Getting Coverage After Your Auto Policy Has Lapsed

Here’s what you can do to secure auto coverage if you’ve accidentally allowed your policy to lapse.Getting Coverage After Your Auto Policy Has Lapsed

Whether you have forgotten to make a payment or have forgotten to renew your policy, there are many instances in which drivers have accidentally allowed their car insurance to lapse. If this happens to you, it’s incredibly important to quickly regain the coverage you have lost. Here are some of the ways you can secure coverage after your auto policy has lapsed.

Ask to Have Your Policy Reinstated

The easiest and most straightforward way to regain the coverage you have lost is by contacting your auto insurance provider and requesting to have your policy reinstated. If you have simply missed a payment but are otherwise in good standing with your insurer, they will likely reinstate your policy.

However, some insurers aren’t quite so generous. Some might only reinstate your policy after you have paid a penalty fee and some might refuse to reinstate your policy at all. Keep in mind that your insurer is not required to reinstate your policy if you have allowed it to lapse. If you have missed your reinstatement grace period or have proven yourself too risky to insure, your insurance provider has every right to cancel your policy.

These are some of the steps that you can take to get auto coverage after accidentally allowing your policy to lapse.  Do you have additional questions regarding your auto insurance?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

Try Out These Defensive Driving Tips

Here are some of the defensive driving tips that all drivers can benefit from. Try Out These Defensive Driving Tips

Responsible drivers do everything in their power to keep themselves and those around them safe. One of the best ways to protect yourself is by employing defensive driving strategies. Luckily, there are several defensive driving behaviors that all drivers can benefit from. Here are some of the tips you should keep in mind when you are behind the wheel.

Scan the Area Around You

Many drivers fall into the habit of only looking right in front of their cars as they drive. However, this tunnel vision could prevent you from recognizing a driving hazard until it’s too late. This is why you should make sure that you are checking your rearview and side mirrors and checking your blind spot as you drive. This will increase your awareness and decrease your chances of getting into an accident.

Avoid Tailgating

Tailgating isn’t just rude, it’s also rather dangerous. If you follow the car in front of you too closely, you might not be leaving yourself enough time to react to the other driver’s actions. For instance, if they were to suddenly slam on their brakes, you likely would not have enough time to react, causing you to rear-end them. This accident could have been easily avoided if you simply followed at a safe distance.

Remove Distractions

Safe drivers focus their full attention on the road. This is why you should do everything you can to reduce the distractions inside your vehicle. Keeping your volume turned down, your phone out of reach, and your passengers under control will make it easier to focus on the task of driving.

These are some of the defensive driving tips that all drivers should employ.  Want another way to stay safe behind the wheel?  Then make sure you have the proper auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.

Signs That Seniors Should Stop Driving

Seniors, watch out for these indications that it’s time to stop driving.Signs That Seniors Should Stop Driving

While it’s unpleasant to think about, there comes a time when you become too old to drive safely. While deciding to hang up your keys for good is an incredibly difficult decision to make, it’s important to remember your lapse in driving abilities could place innocent lives at risk. If you want to keep the roadways safe, look out for these signs that you are no longer safe to drive.

Physical Inability to Operate a Car

There are many physical indications that you are no longer safe to drive. For instance, if you struggle to hold the wheel straight, have difficulty turning the wheel, or have a hard time shifting your car into gear, this shows that you lack the physical strength and dexterity to safely operate a vehicle. Additionally, if you have trouble applying steady pressure on your gas and brake pedals, this too indicates that you should no longer drive.

Confusion and Lack of Awareness

Aside from physical signs, there are also indications that you lack the focus necessary to drive safely. For instance, if you find yourself confusing your gas and brake pedals, forgetting where you are going, or getting lost even in familiar areas, then these are all signs that you should give up your keys. Lack of awareness can also indicate an inability to drive safely. This can be difficult to diagnose on your own, but if passengers tell you that you regularly miss traffic signs (such as stop signs) and have difficulty keeping up with the flow of traffic (either driving too slowly or speeding), then you should probably stop driving.

These are some of the signs that indicate that you are no longer safe to drive.  Not ready to give up the keys but still want to stay safe behind the wheel?  Then make sure you have the right auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.

Insurance That College Students Need

Here are some of the coverages that your college student should have in place.Insurance That College Students Need

Is your child heading off to college this fall? If so, it’s important that they are ready to handle everything that comes their way. One of the best ways to ensure that they are prepared is by securing the right insurance coverage to meet their needs. Here are some of the coverages that your student might need this semester.

  • Renters Insurance

Whether your child is living on or off-campus, they will need protection for their personal belongings. Getting the right renters insurance will ensure that they have coverage for any possessions that are damaged or stolen. Additionally, securing the right renters policy will also ensure that they are covered in the event that a personal liability issue arises.

  • Auto Insurance

If your student plans on taking a car with them to campus, they will need to have the right auto insurance protections in place. If your child’s school is in-state, they will likely have coverage under your family’s existing auto policy. However, if they are attending school out-of-state or if they meet certain conditions, they may need their own policy. Be sure to speak to your auto insurance provider to learn about all their coverage options.

  • Health Insurance

Nowadays, colleges require students to have some minimum level of health insurance. Generally, schools offer students the option of enrolling in a school health program or showing proof of coverage under a parent’s policy. If you want to keep your child under your health policy, make sure you speak to your insurer and your child’s school to ensure that they will have adequate coverage.

These are some of the insurance protections that your college student should have in place.  Looking for assistance with your personal coverage needs?  Then contact the experts at Miller Carlisle Insurance Services today.