7 Tips to Save Money During this Holiday Season

The holidays are a time for being thankful and reflecting on the year. One of the most popular traditions during the holiday season is gift giving. Whether they are treating themselves to something nice or buying something special for others, people spend millions of dollars every year on gifts. This year, though, things are different due to the ongoing COVID-19 pandemic. Instead of buying lots of gifts, people are saving money during the pandemic. If you are looking to save money and avoid going into debt this holiday season, there are a few things that you can do.

Here are some money-saving tips to help you maintain your financial independence during the holiday season and these uncertain times.

Start Saving Ahead Of Time

Try to start saving money a few months before the holiday season. If you start managing your expenses during the fall, you’ll have less expenses to cut back as the holiday shopping season approaches. If you start searching for money-saving tips right before the holiday season, you’re likely starting too late to enjoy substantial savings.

Research Deals

The ongoing pandemic has left millions of people out of work and struggling to make ends meet. For that reason, there is pressure on every single purchase that you make. One of the top money-saving tips during the pandemic is to search for deals. Deals and special sales make the holiday shopping process easier and less expensive. By searching for deals throughout the holiday season, you could potentially save hundreds of dollars.

Do Some Early Shopping

If you pinpoint one or two gifts that you would like to purchase, try to buy the gifts ahead of time. Due to the pandemic, you’ll likely have to do all of your shopping online. Doing early shopping will help you avoid expensive shipping fees. The closer it gets to Christmas, the more difficult it becomes to find a great deal that will still ship to arrive on time. One of the most important money-saving tips is to shop early.

Make Another Account

One way to keep saving money during the pandemic while also allowing you to set aside a few dollars for gifts is through opening a new account specifically for your holiday expenses. Opening this account should help keep you focused and ensure that you don’t spend too much money from your regular expenses fund. Any money you put aside for expenses but didn’t use can be saved in your new account to start earning interest. This is one of the more underrated money-saving tips during the pandemic.

Look Into Autosaving

Ask your bank if they have an autosave feature. Many banks use an autosave feature that transfers money after you make a purchase. The money heads from your checking account into a savings account. If you sign up before the holiday season, you can enjoy even more discounts and potential savings.

Ask Around

Speak with some of your friends and family who are also implementing money-saving tips and exchange some ideas. While you may not be able to meet in person because of the pandemic, you can video chat or exchange ideas over the phone. If you are planning a safe holiday dinner with friends and family, consider holding a potluck to reduce your expenses.

Stick to Your Budget

Thousands of people go into debt every year during the holidays because they purchase expensive gifts that they really cannot afford. The ongoing pandemic has tightened budgets as well. The easiest way to save money during this difficult time is to only make necessary purchases. Do not seek to purchase luxurious gifts if you don’t have the means. Avoid getting a loan or a new credit card, as you may end up going into debt. Make a list of two or three gifts that you can realistically afford and stick to those.

The COVID-19 pandemic has been difficult for everyone and saving money is extremely important at the moment. However, if you stay disciplined, you can manage your finances while also enjoying the holiday season. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We look forward to helping you with all your coverage needs.

5 Defensive Driving Techniques to Keep You Safe on the Road

No matter how old you are, practicing safe driving habits is always an essential part of driving. Insurance agents will offer safe driving tips to their clients to encourage them to be as careful as possible. It only takes a second to lose control of your vehicle. Making a conscious effort to be safe will ensure that you take the precautions you need to prevent an accident.

Here are 4 defensive driving techniques to keep you safe on the road.

1. Avoid Being a Distracted Driver

Eliminate distractions that will take your attention away from the road. Put cell phones out of reach or use hands-free technology. Avoid changing the stations on the radio or putting information into the GPS. If you have a young driver in the family, limit the number of passengers to avoid distractions.

2. Be Aware of Your Surroundings

Always be perceptive of your surroundings, including road conditions and any construction that may be in progress. If someone is stranded by the side of the road or the police has made someone pull over, move aside, and give a wide berth to prevent hitting the disabled or otherwise detained vehicle. Look around your vehicle and be aware of where other drivers are and what they are doing.

3. Don’t Rush!

Always take your time. Rushing is when accidents are most likely to happen. Take a little extra time to get where you need to be. If you don’t want to risk being late, leave a little earlier than usual. Slow down and drive as close to the speed limit as possible. Everyone on the road has somewhere they need to reach. Remember that the way you drive will determine how safe you and the others reach their destination. The extra few seconds you take to be mindful of what is happening around you may make a world of difference in preventing a major accident.

4. Defensive Driving Courses

Defensive driving courses are a great way to brush up on your driving skills. These days, most courses are offered online and contain the most up-to-date information possible regarding laws and defensive driving safety tips. Successful completion of such courses may even get you a discount on your auto insurance policy. Defensive driving courses aren’t just for young drivers. They are an excellent way for a seasoned driver to reinforce what they already know.

5. Know What Your Policy Covers

Knowing your unique needs and the terms of your existing policy will help you re-evaluate your needs in line with the available insurance coverage. You can talk to your agent for additional coverage if your current policy doesn’t cover all your auto insurance needs.

Following these five defensive driving techniques could spell the difference between life and death not only for you but also for others on the road.

In addition to these techniques, make sure that you have the right auto insurance coverage to meet your unique car insurance needs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

What If Your Homeowners Insurance Does Not Cover Christmas Hazards?

No one wants to worry about having an accident at Christmas, yet inevitably, they do occur. This is why having homeowners’ insurance hazard coverage is so important. Following a few well-thought-out Christmas safety tips will ensure that your holiday is stress-free and without any major accidents. A little common sense will go a long way in keeping your holidays festive and bright.

Here are a few tips that you can follow to avoid unpleasant Christmas hazards.

1. Watch Out for That Tree

A Christmas tree can prove to be the greatest threat in the holiday season. The longer the tree remains in your home, the drier it gets. Make it a point to check the water at the base at least twice a day to prevent the tree and branches from becoming too dry and brittle. A dry tree is a fire hazard that can spark a flame in just a few seconds. If you want a live tree without the fire hazard, purchase a live tree that still has the root ball attached. When the holidays are over, you can set it aside and keep it watered so as to plant it in the spring.

2. Carefully Examine the Lights

Carefully go over all of your light strands and check for damaged wires. A bare wire can cause a spark that will put flammable items on fire. When you are hanging your lights, be careful to use a sturdy ladder that has been properly set up. Make sure to test each strand of lighting before hanging them up or placing them on the tree. If you have any doubts about the safety of your lights, buy new ones and make sure they are all in good working order before putting them up.

3. Be Careful in the Kitchen

It always pays to be extra careful in the kitchen. Never leave pots on the stove unattended or handles hanging over the edge where small hands can grab them and try to pull them off. Always wipe up spills as soon as they happen to prevent a slip and fall accident. Put knives and other sharp objects toward the back of the counter to keep small children from reaching them.

4. Avoid Extension Cords

Avoid using extension cords as too many cords can overload your electrical outlets and start a fire. Surge protectors are excellent devices to get the power you need without creating a fire hazard. When running an extension cord, make sure to keep it out of walkways to prevent it from becoming a tripping hazard. Make sure not to cover the cords with rugs or run them under furniture because if they get too hot, they could spark a fire within a short time frame.
Christmas is a time to celebrate with family and friends, so don’t let your negligence spoil the fun and festivity. Put these four tips into practice to prevent avoidable Christmas hazards that may be beyond the coverage of your homeowners’ insurance.

In addition to these tips, make sure that you have the right homeowners’ insurance coverage to meet your unique home insurance needs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

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.