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.

Getting Life Insurance in Your 20s and Its Benefits

Deciding to purchase life insurance in your 20s will be beneficial to you in the long run. Not only are policies more affordable, but you will also get a better policy due to better health and well-being. The longer you have your life insurance in place, the more sound your overall investment will turn out to be. Whether you are purchasing the policy to provide for your family or protect your business, the earlier you start, the more advantageous it will be for you.

Premiums Will Be Cheaper

If you purchase a life insurance policy in your 20s, the expectation is that it will be in place throughout your lifetime. The younger you are, the longer you will pay for your policy, making your premiums extremely low. Even on whole life policies, the younger you are when you buy your policy, the more affordable your premiums will be. When you are ready to purchase your first life insurance policy, you should immediately contact your insurance agent to find out what type of policies are available and what benefits are associated with each one. Once you have the answers to your questions, the easier it will be to choose the correct policy.

Better Safety Net for Your Loved Ones

Caring for your loved ones is always a top priority. No one expects to leave their loved ones behind, but when the unthinkable happens, you should always be prepared. The earlier you purchase a life insurance policy, the more benefits your family will have if they are forced to rely on it if your income is taken away. Many people choose to start a policy in their 20s before they even have a family. This allows them to build equity and begin to save for their future. When the time comes, they have a sizeable cash value from the insurance already established.

Choosing to purchase your first policy in your 20s is an ideal way for young professionals to invest in their future while they are young and healthy. The accumulated cash value can be used later to pay for important life events, including children’s education, weddings, home purchases, retirement incomes, etc. This money, in most cases, can be withdrawn without creating a tax liability.

Better Health Leads to Better Insurance

Individuals in their 20s are normally healthy and ready to take on the world. When purchasing life insurance, the healthier you are, the better your life insurance coverage will be. Individuals, who wait until later in life when their health has started to take a turn for the worse, may not even qualify for quality whole life coverage. Many insurance agents recommend buying whole life policies at the youngest possible age to avoid penalties for poor health. By buying early, you will get access to the best possible coverage and will be able to enjoy higher benefit amounts for a much lower price. Also, while speaking in terms of health, besides a death benefit, insurance can have other features, for example, support for certain medical problems, such as cancer.

If you are in your 20s and are interested in learning more about life insurance coverage and the benefits it offers, call the agents of Miller Carlisle Insurance Services. Our staff is trained to provide you with the most accurate and up to date information possible so that you can make an informed decision. Don’t just purchase any policy. Choose the one that fits your needs and your lifestyle. Schedule your first consultation today!

3 Types of Injuries Covered by Workers’ Compensation

Most states across the U.S. require employers to carry workers’ compensation coverage to cover the medical costs or lost wages associated with a work-place injury or illness. However, to get workers’ compensation benefits, your work-place illness or injury must result from your employer’s negligence or carelessness. In other words, you’ll not get benefits if your employer proves you violated safety policies, willfully misbehaved, acted in an incautious or careless manner, or you were roughhousing. Keeping this in mind, here are three types of injuries covered under workers’ compensation:

1. Occupational Hearing Loss

Over time, employees who regularly work in noisy environments such as heavy manufacturing industries and construction sites tend to develop noise-related hearing loss. Because of this, workers’ compensation coverage usually covers occupational hearing loss.

2. Stress-Related Injuries

Long-term exposure to work-place stress can cause a wide range of health problems, both psychological and physical. Consequently, many states now allow workers’ compensation claims for illnesses associated with work-related stress, such as post-traumatic stress disorder (PTSD), anxiety. However, to get workers’ comp benefits, you must establish your psychological condition developed because of a sudden and unusual traumatic event at work, such as a mass shooting incident at your work-place.
In general, it is extremely difficult to get workers’ comp benefits for stress-related injuries, with many states requiring claimants to produce strong evidence to support their claims. The state of California, for example, requires claimants to prove that their work-place environment was at least 51% responsible for their psychological injuries. Still, if you can build a solid case, you’ll likely get benefits.

3. Repetitive Motion and Overuse Injuries

With most work-places using computers, computer-related repetitive strain or stress injuries (RSIs) have become increasingly common. These injuries are typically painful and potentially debilitating. It is worth noting that RSIs are not exclusively computer-related injuries. Anybody that performs a repetitive physical task is at risk of sustaining such an injury. The most common types of RSI injuries include back pain, tendonitis, and carpal tunnel syndrome. Given the pervasive nature of these injuries, most workers’ compensation policies cover these injuries. However, some states have special limitations on workers’ compensation coverage claims.

These are just three types of injuries covered by workers’ compensation coverage. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services.

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.

Does Homeowners Insurance Cover All Rain Damage?

As a homeowner in Pennsylvania, rain is something you’re used to. When the rainstorms come in, you may be wondering how – or even if – your home insurance will be able to step in to help if the worst happens. Here is what you should know about your home insurance coverage.

 

What happens when rain causes flooding?

While most leaks are typically covered under a standard home insurance policy, if the leak had created a flood in which there is standing water, the disaster would not likely be covered. Most standard policies do not cover flooding due to the severity of the damage and high costs involved. For insurance coverage for flooding, you must acquire a separate flood insurance policy.

 

Does homeowners insurance cover other damages from rainstorms?

Depending on the severity of the rainstorm, many other types of damages can occur to a home, including storm, wind, and hail damage. Typically, homeowners insurance covers the damage caused by these natural disasters. That means if rain comes in through a window and damages your belongings or floods your property, you can turn to your home insurance for assistance.

 

If storms come in and rain damage causes your roof to develop a hole and your belongings get water damage, your home insurance company will help to cover repairs. They will not help, however, if the roof had prior wear and tear or if you neglected to prevent damage.

 

Common disasters that are not covered by home insurance include wear and tear, such as clogged gutters and drains, rotten roof shingles, and rusty pipes.

 

Do you have additional questions about your home insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

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.

What If I’m Late With My Auto Insurance Payment?

Buying life insurance in your 30s is often one of the most practical and affordable times to financially protect your loved ones. Yet, so many people overlook the importance of securing such protection. After all, you may be distracted with bills to pay, a career to consider, and life to enjoy. However, there are many smart reasons why you should secure life insurance in your 30s.

 

You have a family now.

In your 30s, you may find yourself buying a house, getting married, or starting a family. You may already have plenty of financial responsibilities. If you have dependents who rely on your hard work and income to survive, then you need a life insurance policy that will step in to help when you are gone. Life insurance can be used to pay for the mortgage, child care costs, everyday living expenses, and more.

 

Your family needs money for funeral expenses.

Believe it or not, but the average funeral ranges from $7,000 to $10,000. Unless you know your family could handle this sort of expense without a blink of an eye, then life insurance is incredibly important. This valuable coverage can help your family pay for your funeral, leaving them to process their grief without worrying about money.

 

Life insurance gets harder and more expensive to purchase the older you get.

Your health plays a significant role in your ability to get life insurance and the rate you pay for it. Healthier, younger adults pay less than older people with health conditions. In short, the younger you area, the better it is to secure a policy. The longer you wait to apply for coverage, the greater your chances that you’ll develop health issues that will result in higher premiums.

 

Are you looking for customized insurance policies covering all your personal needs? Contact the experts at Miller Carlisle Insurance Services. Our dedicated team is eager to assist you with all your coverage needs today.

 

Analyzing Rental Insurance Claims: Do They Affect Personal Insurance?

As you probably know, a standard rental insurance policy consists of three types of coverages, namely-
• Personal property coverage,
• Liability coverage, and
• Additional living expenses coverage.

Each of these three-cover specific perils that include
• Unexpected damage to your rental property or your personal belongings,
• Accidental third-party bodily injury or property damage, and
• Accommodation costs, if you cannot stay at your rental property because of events already covered, such as a fire.

Still, you should avoid filing regular rental insurance claims as they are likely to affect your other premiums. Read on to learn how rental insurance claims could potentially affect your personal insurance.

1. What Happens When You File Claims Frequently?

When it comes to home renters insurance coverage, your insurer expects you to file claims occasionally. As a rule of thumb, you should avoid filing multiple claims within a 10-year period. It is because if you file multiple claims within 10 years, your insurer will likely take one of the following actions:

• Terminate your rental insurance policy
• Increase your insurance premiums

Since either of the above actions will affect your personal insurance coverage, you should file a claim only when necessary.

2. When Should You Ideally File a Renter’s Claim?

In general, you should only file a claim when the dollar value of the claim far exceeds your deductible. Note that if the dollar value of your claim is below your deductible, your insurer will not only reject your claim and even worse, but may use your claim as a basis to increase your premium. However, even if a claim exceeds your deductible, you should not file a claim if the payout will be lower than the amount you will end up paying in increased premiums.

Frequent rental insurance claims will most probably affect your personal insurance. 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.

Common Reasons Why Your Home Insurance Claim Would Be Rejected

More and more people are embracing modes of personal transportation, such as cars, to keep them mobile for work and leisure. As it’s a large investment, it’s sensible to cover your vehicle against unfortunate incidents by purchasing car insurance. However, when multiple incidents occur close together and you decide to file a claim, what happens to your car insurance? Is there a limit to how many car insurance claims you can make in a year?

 

Most insurance companies have no specific limit for general claims. As long as you are making the regular premium payments on time and are only filing due to legitimate problems, then you shouldn’t have a problem filing multiple claims in a year.

 

However, many insurance companies do have limits on at-fault insurance claims. If you have two or more at-fault insurance claims in a three-year period, then your insurer will categorize you as high-risk, and your premiums may increase as a result. If they think you are too high-risk, when it comes time to renew your policy, they may drop you from coverage. Even if you file multiple claims within a week of each other in the three-year window, your insurance company will treat them as multiple claims on your record.

 

Remember that with each claim you file, you will need to pay your deductible first before your insurance can step in to help. If your deductible is $1,000, you will need to pay this first so then you can claim compensation.

 

It’s true that there are no limits to the number of car insurance claims that you can make throughout your p0licy. However, in certain situations, not claiming car insurance would be the best option. Generally, if the deductible is higher than the repair expenses, it is not worth filing a claim. Keep in mind that the more claims you file, the more your insurance premium may increase.

 

Consider your auto insurance claims before filing them. 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.

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.