Spring Clean Your Insurance Policies

Spring Clean Your Insurance Policies

This spring, aside from cleaning your home to perfection, make sure that you spring clean your insurance policies to pay only for what is necessary.

Spring may be the time in which we all take out our cleaning supplies, put on our apron and latex gloves, and clean our home to perfection. While spring cleaning is certainly important in its own right, there exists something else that requires your attention: your insurance policies. As your life changes, so do your insurance needs. When it comes to your insurance policies, you should make sure that you are only paying for what is necessary.

  1. Is your home covered for complete reconstruction?

Some people only have enough coverage to satisfy their mortgage payment. While it may appear like a sound plan, they are not considering the consequences of complete home-desolation. You have to remember the cost of clean-up, materials, and construction.

  1. Does your car really need comprehensive insurance?

If you’re driving a car that is worth less than $1,000, or less than 10 times that of the insurance premium, the amount you pay monthly may not really be worth it. You might want to consider dropping comprehensive or collision coverage from your policy to save money.

  1. Do you have enough liability insurance?

Auto and home insurance policies offer liability coverage which pays for bodily injury and property damage for which you are found at fault, or liable. Our society is a very litigious one, and it might pay to have additional coverage in case the accident is particularly bad.

Make sure that you are only paying for what you need when it comes to your insurance policies. Reviewing them at least once a year can save you hundreds. To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Keep Killer Cellphones Off the Roads

Keep Killer Cellphones Off the Roads

The best way to avoid preventable traffic accidents is to keep your eyes off your phone and on the road. 

We are all awful drivers because we all have short attention spans and terrible reaction times, both of which are needed for good driving. For way too many people, looking at their phone screen while they drive their cars is the new normal. (Where is the self-driving technology when you need it?) According to a AAA survey, 42 percent of drivers reported reading a text or email while they were behind the wheel. Cars today are safer than ever but accident fatalities are up. Distracted driving is the leading cause and must be addressed by us, the drivers, until scientists and engineers–yet again–fix the issues we refuse to acknowledge.

Road safety has taken a turn (idiomatically and literally) for the worse: according to statistics gathered by the National Highway Traffic Safety Administration (NHTSA), 35,000 people were killed and more than 2.4 million were injured on our U.S. highways. That’s 35,000 too many for something that is easily preventable. That is 7.2 percent over 2014 and is the largest percentage increase in the previous 50 years of record-keeping and demolishes any hope of a ten-year trend of declining fatalities.

The NHTSA has called the surge in traffic accidents “an immediate crisis” and is based on the data gathered from the first half of 2016, in which 17,775 died–a staggering 10.4 percent increase from 2015.

20 percent of drivers aged 18-20 said texting does not affect their driving and 30 percent of drivers aged 21-34 reported the same. This phenomenon is not new. It is similar to when people thought that driving under the influence had no effect on their driving before law enforcement starting cracking down on intoxicated drivers and traffic fatalities plummeted.

Keep your phone in your pocket. It can wait.

A quality auto insurance policy will step in to cover any costs when you have the coverage that’s built for your needs! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Should You Warm Up Your Car on Cold Mornings?

Should You Warm Up Your Car on Cold Mornings?Many drivers tend to leave their car running on cold winter mornings in order to warm up the engine and the interior of the car. 

The National Insurance Crime Bureau states that it is illegal for drivers to warm up their parked vehicles.

The only thing worse than getting into a freezing car on a cold winter morning is the fine that you can get for doing just that. Leaving your car running with the keys inside is illegal. This action can not only lead to theft, but it can also result in a ticket violation.

While it may be tempting to warm your car on a frigid winter morning, you may want to think twice about doing so. Warming up an unlocked car while it is parked in your driveway can lead to theft, and it is likely the easiest steal a burglar will ever get.

Aside from the threat to you, there are public safety issues that must be looked at, too. It becomes a public safety issue when thieves try to make a hasty getaway, and thus puts pedestrians and other motorists in danger. The laws, however, do exclude remote-start cars since the keys are not in the ignition and turn off when pressure is applied to the gas or brake pedal.

Biting the bullet and waiting a few minutes for your car to warm up is something that may not be as bad when you consider the hassle of filing a claim, waiting for the issue to be resolved by the insurance investigators, and then having to buy another car.

A quality auto insurance policy can help pay for covered damages, and puffing is not one of those covered instances. To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

How to Reduce (and Avoid) Pothole Damage

How to Reduce (and Avoid) Pothole DamageThe days proceeding the coldest winter weather are usually when potholes appear, do you know how to avoid (or even reduce) any pothole damage? 

The winter may have been brutal, but that doesn’t mean that its effects are over. In fact, they may be far from over. Concrete and cement make for acceptable roads, but they are not perfect. They easily absorb and hold moisture, which may not sound too bad until you realize the physical changes that water undergoes with temperature fluctuations.

When water freezes, it expands. This expansion pushes the asphalt and concrete that make up the roads. Then with the constant pressure of cars driving, it destroys the structural integrity and reduces it to rubble. Thence, a pothole is formed.

Reducing Pothole Damage

  • Reduce your speed. Decrease your speed in order to increase your reaction time. Additionally, your speed has much to do with the potential damage of your car. You may have heard someone tell you to speed up so your car can clear the pothole. You should erase this falsehood from your brain immediately. Your car is much too heavy to clear potholes as the speed required for a car to safely clear a pothole would surpass even NASCAR speeds.
  • Steer clear of puddles. Puddles can hide deep potholes. Safely maneuver yourself around these potholes to avoid some potentially devastating damage.
  • Leave more space. If the space between you and the car in front of you is constricted, the less road you see. The more space you leave between you and the car in front of you, the more time you have to react to any and all potholes that lie ahead.

A quality auto insurance policy will step in to cover any costs when you have the coverage that’s built for your needs! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Are Cellphones to Blame for the Increase Traffic Fatalities?

Are Cellphones to Blame for the Increase Traffic Fatalities?

Cars are safer now than they ever have been, but traffic deaths keep increasing. Is texting to blame? 

For far too many people, looking at a smartphone screen while they drive is normal. According to a AAA survey, forty-two (42) percent of people reported reading a text or email as they were driving, and a Harris poll found that thirty (30) percent of drivers admit to texting while driving.

The cars of today are safer than ever with newer, lighter, and stronger materials, able to withstand and absorb more force than ever. But road safety has not followed this trend, in fact, it has gotten worse. According to the NHTSA, in 2015, 35,000 people were killed and more than 2.4 million were injured on U.S. highways.

The increase in fatalities is the largest increase in 50 years and puts a stop to a 10-year trend of declining fatalities.

The NHTSA has called the sudden surge in traffic deaths “an immediate crisis” based on data that showed 17,775 deaths in the first six (6) months of 2016–a 10.4 percent increase from last year, and 16 percent higher than the first six months in 2014.

There is no easy or obvious way to force people to stop from texting. Overcoming this digital epidemic will require an aggressive, coordinated and systemic approach that will require the effort of politicians, car makers, cellphone providers, and civilians to keep drivers safe as they drive.

It is difficult, but progress is being made. A total 46 different states and Washington, D.C. have passed laws that ban texting while driving, while 14 states have banned all handheld activity. There cannot be police at every corner, so it is going to be up to us to make a true difference and save lives.

A quality auto insurance policy will step in to cover any costs when you have the coverage that’s built for your needs! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Wi-Fi in Your Car: The Pros and Cons

Wi-Fi in Your Car: The Pros and Cons

Technology moves forward, are we ready to adapt or do we have a different alternative?

It’s hard to imagine life without smartphones and the internet. But in fact, many Millennials have never lived without a computer and so technology has always been a part of their lives and many products being built today, are made for Millennials. (That’s business.)

There were those that did not trust the computer, the cellphone, nor smartphones, but society is still up and running. But Wi-Fi in your car seems more dangerous than a computer in your pocket, so what are the pros and cons of this new technology?

PROS

  • Access emergency services – If anything should happen, or you are without phone signal, you will always be able to reach out and call for help with the built-in Wi-Fi.
  • Become productive – The ability to work from your car may improve your overall productivity if you did not finish that paper or report. You can answer emails and access work files to help you be more productive. All of this, to be done while you are NOT driving; it helps if you carpool.
  • What’s worse? Noises and beeps coming from your children’s devices, or the moans and groans of bored kids? For many, it’s the latter and Wi-Fi in your car will solve their boredom issue.

CONS

  • The biggest, and really only, con that carries a lot of merit is the distraction factor. Driving is already one of the most dangerous things we can do, and with the added distraction of Wi-Fi, traffic accidents will only increase which would also increase traffic-related deaths.

If you are going to purchase a car with Wi-FI it is important that you keep your eyes on the road, and only use the internet when it is safe to do so. A quality auto insurance policy will step in to cover any costs when you have the coverage that’s built for your needs! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Cheap Insurance is Rarely the Best Insurance

Insurance coverage depends on how much you are willing to pay, it’s important that you not be cheap when it comes to insurance.

There’s a reason the phrase, “You get what you pay for” exists. The quality of the product or service for which pay will reflect how much you pay. The more you pay, the quality of the product is, usually, better than the product for which you would pay less. This especially rings true when it comes to insurance. The more you pay for insurance, the more coverage you will receive, thus, increasing your financial security when an accident occurs. Here are a few reasons why purchasing the cheapest insurance is never a good idea.

Why Purchasing Cheap Insurance Is Not Worth It

  1. When complying with the law. By purchasing the minimal amount of coverage you are doing two things: you are complying with the law AND you are saving big bucks. Looks like a win-win, but it could turn out to be a win-lose, with the loss going towards your wallet. If your accident surpasses the minimum coverage, it’s going to be your responsibility to come up with the money to pay the remaining–which could be tens of thousands of dollars.
  2. When opting for a high deductible. When you increase your deductible you will lower your monthly premium bill. There is a catch. By paying less monthly, you will have to pay more when you do get in an accident before your insurance steps in to cover you. A high deductible is not necessarily a bad idea, but you do have to make sure you have the funds to pay the deductible.

A quality auto insurance policy, with comprehensive coverage, should step in to cover any costs when you have the coverage that’s built for your needs! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.