August 7, 2025
millerinsThe Pitfalls of “Cheap” Auto Insurance: What You Need to Know
The problem with “cheap” auto insurance often comes down to the fact that you get what you pay for. While low premiums can be attractive, there are several downsides and risks associated with going for the cheapest option available. Here are the main issues: 1. Minimal Coverage Cheap insurance often means bare minimum liability coverage—just […]
August 5, 2025
millerinsWhat does it take for an independent insurance agent to provide insurance quotes versus getting a quote in 5 minutes or less?
The difference between an independent insurance agent providing quotes and getting a quote in “5 minutes or less” (like you see advertised by online insurance companies) comes down to a few key factors: technology, data access, carrier relationships, and process automation. Here’s a breakdown of what it really takes for an independent insurance agent to […]
August 1, 2025
millerinsHow Wildfires are affecting insurance premiums on the west coast
Wildfires along the U.S. West Coast—particularly the devastating Los Angeles-area fires in January 2025—are significantly reshaping the insurance landscape, especially in California, Oregon, and Washington. Here’s how those disasters are affecting insurance premiums and policy access: 🔥 1. Rising Premiums in High-Risk Areas In California, insurers such as State Farm and Travelers raised homeowners policy […]
July 30, 2025
millerinsHow to Help Prepare for a Wildfire
Wildfires can pose particular dangers to both lives and property because they often begin unnoticed and can spread quickly. According to the Insurance Institute for Business & Home Safety (IBHS),1 windborne embers present a significant threat from wildfires and are the primary cause of most building ignitions. Other wildfire threats include radiant heat and direct flame […]
July 22, 2025
millerinsWhy are vehicle repair costs getting more expensive?
Vehicle repair costs are rising for several interconnected reasons, including advances in technology, supply chain issues, labor shortages, and inflation. Here’s a breakdown of the main factors: 1. Advanced Technology in Vehicles More sensors and electronics: Modern cars have advanced safety and convenience features like ADAS (Advanced Driver Assistance Systems), backup cameras, radar, and lane-keeping […]
June 16, 2025
millerinsWhat is driving insurance rates in 2025?
In 2025, there are several key factors driving the fluctuations in driving insurance rates, both on an individual and national level. These factors are often tied to broader economic, technological, and societal shifts. Here’s a breakdown of what’s influencing insurance rates in 2025: 1. Inflation and Economic Factors Increased Costs of Repair and Replacement: The […]
June 9, 2025
millerinsThe importance of notifying the DMV after selling your vehicle
Notifying the Department of Motor Vehicles (DMV) after selling your vehicle is crucial for protecting yourself from potential liability and legal issues that may arise after the sale. By filing a release of liability or notice of transfer, you officially transfer ownership and responsibility for the vehicle to the new owner, preventing you from being held […]
June 2, 2025
millerins100 Deadliest Days for Teen Drivers
Parents: keep your teenage driver safe and your auto insurance affordable Teen-driver-involved accidents highest during ‘100 Deadliest Days’ Summer is the deadliest season on the road for teen drivers. The period between Memorial Day and Labor Day, known as the “100 Deadliest Days”, marks a sharp increase in fatal crashes involving teens, making it the […]
May 12, 2025
millerinsHow are uninsured drivers impacting auto insurance rates?
Uninsured drivers can have a significant impact on auto insurance rates, and the effects can be felt across various levels of the insurance market. Here’s how: 1. Increased Costs for Insurers Uninsured Motorist Claims: When an uninsured driver is involved in an accident, the insured driver (or their insurance provider) may be left covering the […]
April 28, 2025
millerinsWhat You Should Know About: Avoiding Collisions With Wildlife
Deer or other animals crossing the road is a common hazard for drivers. Defensive driving can help you steer clear of a collision. What you should know: The Insurance Institute for Highway Safety (IIHS) estimates that there are more than 1.5 million deer-vehicle collisions each year. The average wildlife-vehicle collision auto claim is $4,135. Comprehensive coverage […]