Driving Safely in Winter Weather

‘Tis the season to know how to drive safely in winter weather conditions.

Now that the winter season is upon us in Las Vegas, Nevada, it’s time to take some stock in being safe on the roads. While Las Vegas may not be the snow land like Utah, it does require some extra caution on the roads.

From rain and hail to high winds and ice, use these tips to stay safe throughout the holiday season and beyond!

  • Merry and Bright: Turn on your lights at dusk and dawn in increase visibility.
  • Don’t Hurry & Scurry: Leave enough time to get to your destination. Slamming on brakes and speeding on ice can quickly result in an accident.
  • Sing a Tune: Tune up your car for the season! Inspect brakes, tires, and top up fluids.
  • Wipe Away Frosty the Snowman: Remove all frost from your windows before setting off. Use the ice scraper and turn on the defroster to get started!
  • Steer Around Ice: Some roads that don’t see the sun may have black ice. In this case, take corners extra slowly and be careful when driving at night.
  • Review Auto Insurance: Use this coverage to protect your car, yourself, and finances from facing a disaster! Check your policy for gaps and eligible discounts.

When faced with adverse weather, it’s important to give yourself ample time to respond! Having the right auto insurance coverage can help to keep you on solid ground, even in slippery conditions! Build an auto insurance policy that will see you through Christmas, well into next year!

Build an auto insurance policy that will see you through Christmas, well into next year! Contact the independent insurance professionals at All Nevada Insurance in Las Vegas to get started!

Get Ready For Christmas With These Community Events!

These local events are the best way to get into the holiday spirit.

Can you believe Christmas is almost here? With just a few more days until the holiday arrives, right now is the perfect time to start looking for fun, family friendly events in the local area. Check out these Las Vegas Christmas events to get into the holiday spirit!

As one of the most iconic attractions, the Bellagio Fountains are one of the best ways to get into the holiday spirit. The free fountain show will feature special performances with classic holiday tunes such as O Holy Night, Hallelujah Chorus, and Santa Baby.

Take a walk through the Bellagio Conservatory and Botanical Gardens to be surrounded y thousands of twinkling lights and over 28,000 poinsettias. The 42-foot holiday tree is decorated with over 7,000 lights and more than 2,000 ornaments. There is also a model train that makes its way around the tree and past four chocolate houses and through two chocolate train stations.

The Winter PARQ at The LINQ Promenade is a little slice of holiday fun right on the strip. The Promenade will be transformed with carolers, tons of decorations, and holiday music. Take advantage of the chilly temperatures with the 30-foot snow covered hill that is perfect for a tube ride.

Head over to The Venetian to marvel at the 65-foot tall holiday tree that will be at the center of Doge’s Palace plaza. The tree will be lit with 50,00 LED lights that are programmed to allow everyone to enjoy a “Nightly Holiday Spectacular.”

All of us at All Nevada Insurance in Las Vegas would like to invite you and your loved ones out to enjoy all of these magical events this season!

How To: Protecting Yourself While Renting

Renter’s insruance is vital for anyone is is renting a house or apartment.

Renting a house or apartment is a great way to have a space of your own, even if you aren’t ready to take on all the responsibility of buying a home. However, just because you don’t own your house doesn’t mean that you don’t have your own responsibilities. Making sure that your home and belongings are covered with the right renter’s insurance policy will help to give you the peace of mind that you deserve.

Even though your landlord will have an insurance policy for your home, it will only provide coverage for the structure of your house, not for what you keep inside. The only way to protect all of your personal belongings that you keep inside is with a specific renter’s insurance policy. as an added bonus, your renter’s insurance policy will also provide liability coverage in case anyone is injured while visiting your home.

Luckily, even if you are just starting out on your own, you can afford renter’s insurance. As one of the most affordable insurance policies out there, renter’s insurance typically costs less than $200 for a year of coverage. The amount that you will actually pay will depend on the exact amount of coverage you need, your deductible, and various other factors.

While not required by law, many landlords require that their tenants carry renter’s insurance before signing the lease. Renter’s insurance helps to shift some of the responsibility from the landlord to the tenant, making it high on landlord’s priority lists.

When it comes to finding the right renter’s insurance policy, working with the right independent agent will help to ensure that you are able to find the perfect policy. Contact the independent insurance professionals at All Nevada Insurance in Las Vegas for all of your renter’s insurance coverage needs.

Is Your Health Insurance Working For You?

What everyone needs to know about the changing health insurance Marketplace.

Have you signed up for health insurance yet? Open enrollment started on November 1st, giving everyone the chance to enroll in a health plan that will best suit their needs. Knowing what changes to look out for when signing up for coverage can help to ensure that you are able to find the right policy.

Even though this open enrollment is the third sign up period since the start of the Affordable Care Act, there are many changes. Many of the plans are completely different from what they were in the past. From different deductibles to changing copays, some plans are not much more generous while others are more restricted. With all the changes that are happening with plans, it is important to take the time to really look into your existing coverage to ensure that you will get to enjoy the right amount of protect.

Changes were also made to the insurers that will be providing policies through Nevada Health Link. Two carriers left the marketplace, including Nevada Health CO-OP, which was designed to provide competition to the health care exchange.

You have the chance to sign up for a health insurance plan during open enrollment until it closes on January 31, 2016. If you sign up for coverage through open enrollment by December 15th, your coverage will begin on January 1, 2016. The date that you sign up for your health insurance plan will dictate the time that your coverage will kick in.

When looking for the right health insurance plan to meet your needs, contact All Nevada Insurance in Las Vegas. As an independent insurance company, we will work with you to ensure that you have the right amount of protection, all at the right price to fit your budget.

Do You Need These Insurance Policies?

Consider these often forgotten insurance policies to properly protect you and your assets.

Home, life, and auto insurance policies are some of the most common insurance policies out there. However, that does not mean that they are the only policies that you should invest in. Take a look at these ignored insurance policies that can help to give you the coverage that you deserve.

  • Umbrella insurance – sometimes called personal liability protection, umbrella insurance will provide additional liability coverage that will go beyond the liability that is provided by your other insurance policies, such as homeowners and auto insurance.
  • Disability insurance – most working adults should have disability insurance. Long term disability will help to cover the cost of living if you are not able to work due to some type of temporary or permanent injury. While short term disability is available, having an emergency fund can help you avoid paying those premiums.
  • Pet insurance – if your furry friend ever needs an operation or any other expensive medical care, pet insurance will help to take care of some of the costs. Pet insurance is much more affordable if you invest in a policy while your pet is young and healthy.
  • Wedding insurance – your wedding is meant to be one of the best days of your life, and a wedding insurance policy can help to provide the additional coverage that you need to fully enjoy the big day.
  • Antique insurance – specific antiques insurance will provide special coverage for any valuable items that are damaged during a flood, fire, or other peril that hits your house.

When it comes to finding the right insurance policies to ensure that you have enough coverage, contact All Nevada Insurance in Las Vegas. As an independent insurance agency, we will work closely with you to ensure that you are able to invest in the right amount of protection, all at the right price to fit your budget.

What Singles Should Know About Their Auto Insurance Costs

Your marital status has a lot to do with how much you will pay for auto insurance coverage.

Being young and single allows you to fully enjoy life. While enjoying nights out with friends and learning your way through your first job, your 20s can be some of the best years of your life. Unfortunately, your young age will also bring some extra expenses when it comes to your auto insurance coverage.

Single, young drivers typically pay much more for car insurance than people who are married. A recent study showed that a single 20 year old will pay more than 20 percent more than a married 20 year old for the same amount of coverage. The difference in cost is due to the fact that single people are more likely to get into an accident.

Keep in mind that it is not just your marital status that will determine your auto insurance costs. Your age and gender are also some of the most common factors that can dictate how much you will pay for your coverage. Single 20-year-old men will pay, on average, 25 percent more for their car insurance than a married man of the same age. A single 20-year-old woman will typically have premiums that are 28 percent higher than her married counterpart.

Luckily, you can enjoy a drop in your auto insurance costs each year until you turn 60. While the drop may be less than 10 percent every few years, the savings will start to add up. Working with your insurance agent and asking about various discounts will help to keep your auto insurance costs affordable.

Contact All Nevada Insurance in Las Vegas for all of your auto insurance need. We will work with you, no matter your age or marital status to ensure that you are able to find the right amount of protection, all at the right price to fit your budget.

Why Your Teenager Should Get Their Driver’s License

There are many benefits of encouraging your teen to get their license as soon as possible.

Watching your teen drive off on their own after getting their license can be one of the scariest moments as a parent. However, it is an important step in growing up. Even if your teen is not interested in getting their driver’s license, as a parent, you should try to encourage them to change their mind. There are many benefits to encouraging your teen to get their license, including:

  • Experience will lower car insurance costs – auto insurance companies look at how experienced a driver is when determining their car insurance costs. If your teen starts driving as soon as possible, they will gain much more experience than if they wait, helping to lower their auto insurance rates for the rest of their life.
  • It is convenient – learning to drive while still living at home gives your teen a built in teacher. Since they have access to the family car and can rely on you for guidance, learning to drive will be much more convenient. If your child moves out without ever learning how to drive, they will have to find a teacher and vehicle to practice driving on their own time.
  • More job opportunities – being able to drive to work will open the door to many more possible jobs. If your teen cannot drive, they will be limited to businesses that are within walking distance or will have to rely on a friend or family member to get them to and from work. Plus, the money that they bring home will help to limit how much money you will have to give them.

When your teen starts driving, having the right auto insurance policy can help to give you the peace of mind that you deserve. Contact All Nevada Insurance in Las Vegas for the right policy to cover your teen driver.

Try This New Twist On A Classic Favorite This Thanksgiving!

The whole family will enjoy this simple and tasty Thanksgiving dessert.

With Thanksgiving just around the corner, you may be starting to think about your holiday menu. While there is no arguing that the turkey is the centerpiece of your table, that does not mean you shouldn’t make sure all of your dishes are as tasty as possible. Keep this sweet holiday recipe in mind that is a twist on an old favorite.

Ginger Streusel Pumpkin Pie

Ingredients:

  • 1 refrigerated pie pastry sheet
  • 3 eggs
  • 1 can solid pack pumpkin
  • 1 ½ cups heavy whipping cream
  • ¼ cup packed brown sugar
  • ½ cup sugar
  • 1 ½ teaspoons ground cinnamon
  • ½ teaspoon salt
  • ¼ teaspoon ground allspice
  • ¼ teaspoon ground nutmeg
  • ¼ teaspoon ground cloves

Streusel ingredients:

  • 1 cup all-purpose flour
  • ½ cup packed brown sugar
  • ½ cup chopped walnuts
  • ½ cup cubed cold butter
  • 1/3 cup finely chopped crystallized ginger

Directions:

  1. Preheat your oven to 350 degrees. Unroll the pastry on a lightly floured surface. Transfer the pastry to a 9-inch pie plate. Trim the pastry to ½ inch beyond the edge of the plate and flute the edges.
  2. Whisk the eggs, pumpkin, sugars, cream, cinnamon, salt, allspice, cloves, and nutmeg together in a large bowl. Pour into the pastry shell and bake for 40 minutes.
  3. Make the streusel by combining the flour and brown sugar in a small bowl. Cut in the butter until crumbly. Stir in the ginger and walnuts. Gently sprinkle over the filling.
  4. Bake for 15 to 25 minutes longer or until a knife that is inserted near the center of the pie comes out clean. Cool on a wire rack.

All of us at All Nevada Insurance in Las Vegas would like to wish you and your family a happy and healthy Thanksgiving!