October 23, 2026
millerinsWhat are the benefits of higher deductibles on my auto and home insurance?
Higher deductibles can be a very effective way to reduce insurance costs, but they are most beneficial when you have enough savings to comfortably absorb a larger out-of-pocket loss. Auto Insurance Benefits 1. Lower premiums Increasing your collision and comprehensive deductibles generally lowers your premium because you’re agreeing to pay more of a claim yourself […]
October 20, 2026
millerinsDoes making late payments on my auto and home insurance have any impact on my insurance premiums?
Yes, late payments can affect your insurance costs, but usually indirectly rather than through an automatic surcharge for one late payment. If you’re occasionally late Most auto and home insurers provide a grace period or may charge a late fee. A single late payment typically does not cause your premium to increase immediately. If late […]
August 7, 2026
millerinsKey Insurance Topics to Discuss with Family Members
Talking about insurance with family can feel uncomfortable, but these conversations can prevent confusion and financial stress during emergencies. Here are the most important insurance topics to discuss: 1. Life Insurance Does anyone have life insurance coverage? Where are the policies located? Who are the beneficiaries? Is the coverage amount sufficient to replace income, pay […]
June 29, 2026
millerinsWhat should I do if I am in a car accident with an uninsured driver?
If you’re in an accident with an uninsured driver, the most important thing is to protect your safety, document everything, and notify your insurer promptly. At the scene Check for injuries and call 911 if needed. Even if injuries seem minor, a police report can be important later. Call the police. An official report helps […]
May 20, 2026
millerinsWhy purchasing auto and home insurance comes down to more than just cost?
While price is often the first thing people compare when shopping for auto and home insurance, focusing only on cost can leave you under protected or frustrated later. The value of an insurance policy goes far beyond the premium you pay. Here are the key reasons why: 1. Coverage Quality Matters More Than Price A […]
April 6, 2026
millerinsWhat are the major risks of being uninsured for my auto and home?
Auto Insurance: Major Risks of Being Uninsured 1. Severe Financial Liability After an Accident If you cause an accident while uninsured, you are personally responsible for: Other drivers’ vehicle repairs Medical bills for injuries Pain-and-suffering damages Legal defense costs A serious injury accident can easily exceed $100,000–$500,000, and there’s no cap on what you may […]
March 24, 2026
millerinsUnderstanding Liability Coverage
What liability coverage is: Liability coverage pays for injuries or property damage you cause in an accident. It helps protect your personal finances if someone files a claim or lawsuit against you. How much liability coverage you need Most people choose their coverage limits based on three factors: Assets to protect If you own a […]
March 12, 2026
millerinsWhat auto and home insurance deductibles should I have and why?
Auto Insurance Deductibles The two deductibles that matter most: comprehensive (hail, theft, vandalism, animals) and collision (you hit something). How to choose the right auto deductible Ask yourself two questions: 1) How much could you comfortably pay out‑of‑pocket tomorrow? This is your “emergency repair comfort zone.” If an unexpected $1,000 expense would be fine → […]
February 2, 2026
millerinsWhat to do in the event of an auto accident insurance claim
Here’s a clear, practical checklist of what to do after any auto accident when you may need to file an insurance claim. This applies broadly in the U.S. and Canada, but most steps are good practice anywhere. What To Do After an Auto Accident (For Insurance Claims) What To Do After an Auto Accident (For […]
January 26, 2026
millerinsIs my new car insured when I purchase it?
Short answer: it depends—and this is one of those things that trips a lot of people up. Here’s how it usually works: If you already have auto insurance Many policies automatically cover a newly purchased car for a short grace period (often 7–30 days), but: Coverage is usually limited (sometimes only liability) You must notify […]