Chips and Cracks: When to Repair Your Windshield

Chips and Cracks: When to Repair Your WindshielIf your windshield gets chipped or cracked, should you repair or replace your windshield? If you can, it’s best to get it repaired. 

Regardless of where you live, your windshield is likely to take a beating. Whether you’re driving behind a street truck salting the away the snow, a construction truck carrying pebble-sized debris, or a branch that all but waited to fall and crash onto your windshield. Windshield repairs are safer for your car; they keep the structural integrity of the vehicle intact and are less costly than a full replacement.

Large and Small Repairs

The bad news is that you have a crack in your windshield; the good news is that smaller chips and cracks can be professionally repaired for less than $100. A good way to measure if you need a repair, rather than a replacement, is by using the dollar bill technique. If you can cover the area of the crack with the bill, then a repair is likely all you’ll need.

The repair process works by injecting a special kind of resin into the chipped area. For cracks, holes may be drilled at the ends of the crack to prevent the further spread, as anyone with a cracked phone screen will tell you that little cracks only get longer and longer. Windshields are made of three layers: a layer of a polymer is sandwiched between two layers of glass. Drilling into, but not through, the plastic takes skilled hands, so it’s best to take it to a professional rather than do the project on your own.

A quality auto insurance policy, with comprehensive coverage, should step in to cover any costs relating to windshield damage! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Gun Safety in Carlisle, PA!

Gun Safety in Carlisle, PA!

4 Questions to Ask If You Keep Guns in the House.

There are an estimated 300 million firearms in U.S. homes, and, logically, the more guns there are, the chances for gun-related incidents greatly increase. “It will never happen in my home,’ says every gun owner before it happens in their home. If you own a gun, and you keep it in your house, ask yourself these questions to prevent a gun-related accident.

  • Is my firearm locked and loaded? Whenever you are not using your gun, your gun should be unloaded and placed in a secure location, away from child access.
  • Where’s the ammo? Keeping your ammunition separate from the gun itself is a way to greatly reduce an accident. Especially if the ammunition is locked.
  • How much does my family know? Everyone in the house should know that you are keeping a firearm. And remind your children never to touch guns—no matter whose house they are in.
  • Does my insurance cover me? Homeowners policies may cover accidental and negligent acts, but they generally do not cover intentional ones. Meaning, if you shoot someone, even in self-defense, you won’t be covered .

With accidents like these, you want to make sure that all your guns are covered—otherwise you could end up being in loads of trouble. Instead, ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing  insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

When Do I Need to Update My Home Insurance?

Updating Your Home Insurance Carlisle PAHomeowners should protect their home with accurate insurance coverage.

When it comes to taking care of your large asset, your home, there’s more than enough to do to keep busy! Unfortunately, most homeowners tend to forget the most protective, most helpful precaution – home insurance. This coverage is designed to protect your home and assets in the event of a disaster.

Below are some circumstances in which you should review your home insurance coverage to ensure that are continuously protected.

A New Home
Coverage for your home is imperative. If you buy a new home, be sure that you receive the insurance that covers your home’s estimated reconstruction costs and not its current market value.

Remodeling
Whether you’re renewing your bathroom or adding an outside deck, major home renovations usually boost your home’s value. This value should be reflected in your insurance coverage. Be sure to update your insurance when you update your home.

New Purchases
If you have recently bought a pricey TV or a flashy necklace, talk to your insurance agent. While your home insurance can cover valuables against loss or theft, coverage is only provided up to a certain limit.

Lifestyle Changes
Certain life events may alter your assets and risk tolerance, which can change how much insurance coverage you want. For example, if you have retired or quit smoking you may be eligible to receive a discount on your insurance.

Now that you know when to update your home insurance, ensure that you have the proper coverage at the present time. Contact Miller Insurance in Carlisle, Pennsylvania for all of your insurance needs.

Carlisle, PA: One Of The Best Small Towns In The US!

The Best Small Towns In The US Include Carlisle, PA

Carlisle locals know that this is a great place to live. According to livability.com, there is statistical evidence to that sentiment. In fact, Carlisle ranked in the top 20 best small towns in the entire country!

Topping the list of Pennsylvania towns, Carlisle came in as the 16th best small town in the entire country. This survey of small towns evaluated areas based on real estate, health care, social capital, and demographic. It found that our town is a great setting for families and offers notable agricultural opportunities.

Carlisle’s great educational infrastructure—including Dickinson College, Dickinson Law, the US Army War College, and Carlisle Area School District—and numerous beautiful public parks helped it secure its top-twenty ranking. When paired with the Carlisle Regional Medical Center, standout restaurants, and cultural attractions, it is no surprise that Carlisle was named so high on the list.

You can see the full list of top small towns here.

While Carlisle is a wonderful place to live, you still need to have insurance coverage to protect you against all of life’s what-ifs. To get the right Pennsylvania policies, contact Miller Insurance Associates, conveniently located right here in Carlisle.

A Look At Lyme Disease

Lyme DiseaseRisk Is High In Pennsylvania

A recent study conducted by the Department of Environmental Protection found that the risk for Lyme disease is high in all 67 counties in Pennsylvania. This high risk is brought by the blacklegged tick—or deer tick—which was found in each county for the first time. This risk is not entirely new, though; Pennsylvania has reported the most cases of Lyme disease of any state in the country for the last five years.

These ticks carry and disseminate the organisms that are responsible for Lyme disease, which causes fatigue, headache, muscle aches, joint pain, and fever.

The best thing you and your loved ones can do to avoid this disease is check for ticks after spending time outdoors and shower within two hours of returning inside. If you have been bitten by a tick and are experiencing any of the above symptoms, seek medical treatment as this can help you avoid late-stage complications. A little extra care to avoid ticks when heading outdoors can serve you well this summer.

So you can focus on avoiding ticks this summer, let the experts handle your Pennsylvania insurance coverage needs. To get the right Carlisle policies for your unique requirements, contact Miller Insurance Associates.

A Few Ideas For Father’s Day

What To Get Dad To Celebrate Him

Father’s Day is just around the corner, which means that if you have not already purchased your gift for dad, now is the time! So you can get your dad a gift that is a thoughtful as he is, here are a few suggestions that could fit his interests.

  • Tech Savvy- Streaming Device: If your dad has a love of all things tech, why not invest in a streaming device (like the Google Chromecast or Amazon Fire TV) that will allow him to instantly access all of his favorite shows and movies from his TV?
  • Classic- Wet/Dry Shaver: Dad deserves to get a quick, clean shave, and a waterproof electric razor can help him accomplish that task with minimal mess.
  • Fitness Focused- Health Tracker: There are a number of devices today (e.g. Fitbit, Jawbone) that can track dad’s steps, distance, and calories burnt by simply being worn around the wrist so he can stay on the path towards his fitness goals.
  • Social Butterfly- Lowball Glasses: If you dad loves to invite friends over to skip scotch and enjoy an evening, invest in some nice lowball glasses for him to use.

Dads, you do a lot to protect your families. Why not let someone else worry about your insurance coverage needs to fully safeguard them? To get great coverage in Carlisle, the rest of Pennsylvania, and beyond, contact Miller Insurance Associates today!

Top Ten: Causes Of Distracted Driving

Car Insurance Carlisle PAAre You Avoiding These Common Distractors?

We all know how easy it can be to get distracted behind the wheel. Whether you have reached for a CD or taken a phone call, you have probably diverted your attention from the road at some point. You have also (hopefully) put that kind of behavior behind you now, knowing that distracted driving is extremely dangerous. It is also extremely common. According to the National Highway Traffic Safety Administration and Virginia Tech Transportation Institute, here are the top ten most common driver distractions.

  1. Wireless devices (e.g. cellphone) usage
  2. Interacting with passengers
  3. Reach for something in the car, including CDs, food, or fallen items
  4. Playing with the dashboard controls (e.g. programming radio stations)
  5. Attending to personal hygiene, including using an electric razor and applying makeup
  6. Eating movements, like unwrapping food or opening a drink
  7. External distractions (e.g. an interesting billboard)
  8. Talking/singing to oneself
  9. Smoking
  10. Daydreaming

You would never allow any of these distractions to take your focus from the road, and your clean driving record shows it. To learn about how your safe driving can help you save on your insurance coverage, contact Miller Insurance Associates in Carlisle. We are here for all of your Pennsylvania car insurance needs.