The Miller Insurance Agency

Please notify us via phone or email with your new drivers license number so we can update it with your insurance carrier. You can contact us toll free at (877)277-9036.

Nope we just need your vehicle info; year, make, model, and VIN #. Additionally if you have a loan we would also need the information for your lender so we can have them listed on your policy.

Also known as Guaranteed Auto Protection. It is insurance covering the difference between the actual cash value (ACV) of a damaged or stolen vehicle and the amount owed on the car under a loan or lease. This difference arises due to the rapid depreciation of most automobiles in their early years and can prove problematic if the car is totaled in an accident or if it is stolen and not recovered. GAP coverage is often sold through credit unions and automobile finance companies and frequently written on leased vehicles. For example, if a leased car with an ACV of $20,000 is stolen, the physical damage section of the auto policy would pay $20,000 minus any applicable deductible. However, if the lease still had $25,000 outstanding, the insured would be liable for the extra $5,000. GAP insurance would pay the extra $5,000 to the leasing company. In recent years, GAP insurance has become available by endorsement under either a commercial or a personal auto policy.

Uninsured Motorist Coverage – This coverage typically pays for injury you suffer from an accident caused by a person who has no insurance; a person who can't be located ("hit and run drivers"); or a person who has insurance but their insurance company is insolvent. Underinsured Motorist Coverage - Similar to uninsured motorist, it pays for injuries caused by a driver who is inadequately insured. Example: You are seriously injured by someone carrying a bodily injury limit of $25,000, but your injuries are nearly $50,000. Your Underinsured Motorist Coverage limit is $100,000. In this instance, your policy would pay the difference between $25,000 and $50,000. *****Important: Payment under this coverage is controlled by various laws that dictate what limit or limits must be sold. In some states, you may have an option to reject the coverage. Typically, the rejection must be in writing.

Every company differs when it comes to home based business coverage. So to be safe you would want to discuss it with your current home insurance company to be certain. Typically if there is foot traffic where clients visit your home then your home insurance would not cover that type of business. Business policies for liability only come at a very minimal expense for the coverage and protection they provide. If you have any questions in regards to your home based business contact us today (877)277-9036.

Yes, we are able to offer both private flood and standard flood policies.

Yes, we have excellent markets for your prized possessions.

Yes, we have carriers that specialize in high value products.

Yes, we are able to quote you through carriers that offer a bundle discount, if you write your home & auto through them (Progressive, Travelers, Safeco) to name a few.

We are an independent insurance agency (meaning we represent more than one carrier). We can do the shopping for you.

Yes your vehicle policy typically will extend coverage to your rented car for liability and physical damage (if you have it) only, but NOT for loss of use! What is loss of use? That is the time the rental car company cannot rent that car out to someone else while it is being repaired due to damage you caused. Some carriers do cover this gap, so call your agent, or comment here. If you are insured with a carrier we represent, I may be able to assist you with deciphering your coverage! Another tip; your Credit Card company may cover the Loss of Use portion of your rental car, don't be afraid to call them to inquire too!.

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Property-Damage Liability – handles damage that you may cause to another person's property. Again, the coverage only responds when you are financially responsible for such damage and it has to be related to your use or ownership of a vehicle.