Should You Bundle Your Home and Auto Insurance?

Is a home and auto insurance bundle right for you?

While bundling your home and auto insurance together is generally a great way to save on both coverages, bundling isn’t always the best option for everyone. Need help deciding if you should bundle? Then here are some things that you should consider.

Are You Eligible?

If you live in an area prone to certain weather disasters, you might not be able to bundle your homeowners insurance with your auto or other insurance policies. So, before you spend too much time deciding whether you should bundle your insurance, make sure you are actually geographically eligible to do so.

Is each policy good on its own?

While most insurance sell various insurance companies,products , sometimes one insurance offering is superior to the others. For instance, an insurer might offer particularly good service when it comes to auto insurance, but their other insurance products might be lacking in comparison. Before you decide to bundle your home and auto insurance, it’s important to consider each policy individually. If you find that one does not meet your standards, you should not bother bundling.

What are my overall benefits?

Finally, you need to compare the features, deductibles, and premiums for each policy. Oftentimes, discounts in one area distract from higher costs in another. Additionally, it’s important that you do not get too caught up in the amount of projected savings. While it’s great to save on your insurance, you should not sacrifice service or coverage to do so.

These are some of the things you should consider before deciding if a home and auto insurance bundle is right for you.  Are you looking for assistance with your home or auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.

Why Auto Insurers Need This Information

Here’s why auto insurers ask you to provide this information.

When you are getting an auto insurance quote, the insurance company will ask you to provide several pieces of information. But why do they need this information to give you a quote? Read on to find out some of the reasons why.

  • Your Social Security Number

While you are not required to provide your social security number to get a quote, auto insurance companies do give you the option to provide this information. When you do supply your social security number, the car insurance company will use it to run a soft credit check on you. Because your credit rating significantly affects your insurance rates, this soft credit check will allow the company to give you the most accurate insurance quote possible.

  • Your Vehicle’s Identification Number (VIN)

When getting an auto insurance quote, the insurance company will ask you for your car’s year, make, and model. However, they will also ask you to provide your vehicle’s VIN. While this might seem like overkill, your VIN reveals specific information about your car that is not encompassed by your car’s year, make, and model. For instance, your car’s VIN will tell the insurance company what special safety features are installed in the vehicle. Understanding all your car’s features will help the company offer you a more accurate insurance quote.

  • Your Home Ownership Status

Why does your home ownership status matter to car insurance companies? Well, for starters, homeowners tend to be more cautious drivers, and therefore at lower risk for an accident. Additionally, homeowners might require higher coverage limits to protect their financial assets. Finally, being a homeowner might unlock special discounts on your auto insurance. All these factors will affect your car insurance quote.

Here’s why auto insurers request this information from you when giving you a quote.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your coverage needs today.

What You Should Do as the Victim of a Hit-and-Run

Here’s what you should do after being involved in a hit-and-run accident.

An accident is considered a hit-and-run anytime an involved driver leaves the scene of the collision. Oftentimes, these accidents unfold so quickly that you do not have time to react. If you are a victim of a hit-and-run accident, here are some of the things you should do to handle the situation.

  • Do Not Chase the Other Driver

While it may be tempting, it’s important that you do not chase after the other driver. This is because your pursuit might cause you to drive recklessly, placing yourself, your passengers, and other innocent parties in danger. Additionally, the driver that you are chasing after might actually be dangerous as well. Instead of getting involved in a dangerous pursuit, you should pull over to the side of the road and make sure that you and your passengers are all okay.

  • Remember Any Details

After the accident, you will probably feel shaken and overwhelmed. However, it’s important that you collect yourself and try to remember exactly what happened. Do your best to remember any details such as the color of the other car, the state on its license plate, and any physical features of the other driver. Every detail, no matter how seemingly minor, can help you with your case.

  • Call the Police

Even if you feel that you have nothing to report, you should still call the police to report the accident. This is because having an official police report will help you with your insurance claims process. When the police arrive at the scene, recount the details without assigning blame or admitting guilt. Allow the police to come to a conclusion on their own.

These are some of the steps that you should take after being involved in a hit-and-run accident.  Remember, the best way to protect yourself from the losses caused by a hit-and-run is by having the proper auto insurance protections in place.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Welcome to Miller Carlisle Insurance Services

Miller Carlisle Insurance Services is here to provide you with the best quotes and rates within any budget for a variety of different insurances. We strive to continue to search for the top insurance agencies that offer the best protection and security for the lowest prices. Our goal is to maximize your coverage but still keep the rates as low as possible.

We understand that no matter who you are whether it is personal insurance, business insurance or other insurances, that you want quality insurances and a low price. Small businesses need to keep their overhead low, individuals need to have all the coverage’s that are necessary while keeping their bills manageable. Here at Miller Carlisle Insurance Services we make sure that none of our clients say yes to policies they truly can’t afford or even need and we always make sure that the coverage you do choose offers the most coverage possible.

We work with the top 50 largest insurance agencies. This allows us to pick and choose and be able to find the best coverage within your budget. We only work with reputable insurance agencies that we know will offer you great customer support and strong protection for whatever policy you are purchasing.

Give us a call or email us to set up an appointment or speak to someone over the phone about your options. We would love to have you stop by our office. We are located in the heart of Carlisle, PA at:

Miller Carlisle Insurance Services

1 Valley St #101
Carlisle, PA 17013

(717) 241-5995
www.carlisleins.net