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.

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.

Protect Your Property from Fallen Trees with the Right Property Damage

Protect Your Property from Fallen Trees with the Right Property DamageDetermine what you need to know about fallen trees and your insurance coverage.

Trees a wonder of Mother Nature. They provide plenty of shade in the summer and plenty of oxygen year-round. However, during the summer months, when more thunderstorms are likely to occur, it’s important that you take care to use precautions to avoid fallen trees. Despite your best efforts, sometimes fallen trees can cause serious damage to your property. Find out what you need to know about fallen trees and your insurance so that you’re well protected.

Property Damage.

If a tree falls and causes damage to the structure of your home, your homeowners insurance will likely give you some coverage to help remove the tree and fix the structure. However, it’s important to note that if the tree fell due to a lack of maintenance your insurance won’t cover you. Ensure that you stay up on your home maintenance and remove any dead tree limbs or limbs that are too close to the structure of your home.

Car Damage.

Should a car fall on your tree, you’re likely covered under your auto insurance policy. However, it’s important to check the specifics of your policy to make sure. While your coverage will help to make repairs to your vehicle, the removal of the tree is likely not covered under your policy.

No Damage.

In some instances, a tree will fall but cause no damage. Under these circumstances, you’re then responsible for removing the fallen tree out of pocket since there had been no physical damage to the structure of your home.

When it comes to fallen trees, ensure that you have the tools that you need to protect you, and invest in the right insurance policies. For all of your insurance needs, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Safe Driving Habits to Teach Your Teen

Teen Drivers & Auto Insurance Carlisle, PA

The better you prepare your teen driver, the safer they will stay on the road.

Watching your teenager drive off on their own for the first time after getting their license can be a stressful moment as a parent. Knowing that you have given them the tools and know-how they need to stay safe can help to limit that stress. Follow these tips to help your child cultivate safe driving habits.

  • Buckle up – you should always put your seatbelt on when you get into the car, even if you are just driving down the road.
  • Stash the phone – sending a text, making a call, or looking at a picture on a cell phone all increase the chances of getting into an accident.
  • Slow down – many teen drivers tend to speed down the road. Explain to your teen the importance of following the speed limit to stay safe.
  • Avoid night driving – dark roads can be much more dangerous than roads during the day. Unless it is absolutely necessary, avoid driving at night.
  • Check the weather – little experience behind the wheel mixed with harsh weather conditions can lead to serious danger. Teach your teen to check the weather report before they head out the door each day.

Most importantly, make sure your teen is covered with the right auto insurance policy. Contact Miller Insurance Associates in Carlisle, Pennsylvania for all of your car insurance coverage needs.

Warm Up Your Car for Winter

Car care tips to keep your vehicle running smoothly through winter and beyond!

Heading out in a poorly maintained car in winter is a bad mistake to make. The winter weather brings cooler temperatures, deadly ice, and puts a huge strain on your vehicle. Regular maintenance is always advised, but pre-winter preparation is vital for your vehicle!

Use these tips to keep your ride running:

  • Get the engine evaluated for any drivability problems
  • Replace dirty filters such as air, fuel, and PVC
  • As the subzero temperatures approach, add a bottle of fuel deicer to your tank once a month
  • Change your oil and oil filter as specified
  • Check that the heater and defroster are in good working condition
  • Replace old wiper blades for best visibility
  • Have your battery checked by a professional
  • Inspect all lights and bulbs
  • Examine tires for wear, uneven tread, and any damage. Also check the tire pressure is at the recommended psi.
  • Ensure that your spare tire and jack are in good condition.
  • Check your brakes.
  • Always carry an emergency kit with you!

In addition, review your car insurance so that you maintain the correct coverage for your car. Don’t be left in the cold this winter! Contact Miller Insurance Associates, located in Carlisle, Pennsylvania, for the auto insurance that will keep you protected for every turn in the road.