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 6, 2026
millerinsWhy buy insurance?
People buy insurance because it helps protect them from financial losses they could not easily afford on their own. Why insurance is valuable Protects against large unexpected costs A car accident, house fire, serious illness, or lawsuit can cost thousands or even millions of dollars. Insurance helps cover those expenses. Reduces financial risk Instead of […]
September 10, 2026
millerinsHow to get your best auto insurance rates by signing up for carrier telematics and driver tracking
Signing up for an insurer’s telematics program can be one of the easiest ways to lower your auto insurance premium if you’re already a safe driver. These programs use a smartphone app, plug-in device, or connected car data to measure how you drive and then apply discounts based on your driving habits. How to maximize […]
August 14, 2026
millerinsIs my child covered on my auto and home insurance while away at school?
In many cases, yes, but the exact coverage depends on the policy and the child’s living situation. Auto Insurance A child who is away at college can often remain covered under a parent’s auto policy, especially if the parent’s home remains the student’s primary residence. Many insurers allow this even if the student attends school […]
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 […]
July 30, 2026
millerinsWhen I rent a car, am I covered on my current auto insurance?
Usually yes, your personal auto insurance extends to a rental car, but it depends on the coverages you carry and the type of rental. [progressive.com], [travelers.com] A quick rule of thumb: Liability coverage on your personal policy typically follows you to a rental car and can help pay for damage or injuries you cause to […]
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 24, 2026
millerinsAre Aftermarket Mods Covered by Auto Insurance?
The short answer: usually no—aftermarket equipment is not automatically fully covered unless certain conditions are met. Here’s how it typically works in U.S. auto insurance policies: What Counts as Aftermarket Equipment? Aftermarket (or “custom”) equipment includes anything added after the car left the factory, such as: Lift kits or lowering kits Custom wheels or tires […]
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 […]