Auto Insurance

Tips for Buying a Safe Car

Posted on by TheSph3r3
Tips for Buying a Safe Car

When buying a new car, look for these safety features.

If you’re in the market for a new car, you’ve been exposed to a wealth of new high-tech safety features that probably aren’t in your current car. Most cars come with standard safety features, but many cars on today’s market have additional safety features that help to protect your family and vehicle. Here are a few safety features to consider before buying your next car.

Automatic High Beams

This feature allows cars to sense when it’s dark enough and automatically make the brightest view forward. When a car is detected ahead, the car automatically switches the high beams off. This feature can help you when navigating dark and rural roads.

Lane Keep Assist

This feature takes lane-departure to the next level. It will subtly steer you back into the middle of the lane if it senses you drifting. Sometimes, these systems use subtle braking as well.

Blind-Spot Warning

This monitors your blind spots and alerts you to the presence of other cars. Should you try to make a lane change with someone in your blind spot, lights may flash and the car may provide an audible warning. This is a helpful system that ensures you do not steer into the path of others.

Automatic Emergency Braking

Should the driver not heed the audio and vision warnings, the car can apply the brakes automatically. Speeds at which the system operates depend on the car or version of the system. These have been proven to prevent or lessen the severity of crashes.

The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that fits the needs of your new vehicle and your budget! Located in Las Vegas, Henderson, and neighboring cities, contact us today.

Easy Ways to Make Your Fuel Go Further

Posted on by TheSph3r3
Easy Ways to Make Your Fuel Go Further

Here is how to increase fuel mileage on your car.

As gas prices continue to climb, increasing the fuel mileage is the best way to protect your wallet. While the rising costs of gas may not be under our control as motorists, we do have the option to use our fuel wisely. Not only does smart driving help us to save money at the fuel pump, but we can also better the environment by not consuming as many precious resources. If you’re looking for some fuel-saving tips that will save you money too, read on.

Limit Your Speed

Everyone seems to be in a hurry these days, including yourself. However, think about how much fuel you’re burning. If you limit your speed to 60 mph, you will gain the maximum fuel efficiency from your vehicle. Make sure you leave plenty of time for the journey in order to avoid stepping on the gas and using more fuel.

Plan Your Journey
Not sure where you’re going? Map it out! With technology, it’s easier than ever to get around. Avoid getting lost and wasting precious gas by turning down the wrong street.

Keep Your Tires in Check

Ensure that your car’s tires are set at the correct air pressure. Properly inflated tires can reduce fuel consumption by up to 3 percent. If you need to top them up, do so, and remember to check them every month.

Lighten Your Load

Weight is one of the biggest causes of loss of kinetic energy in non-hybrid cars. If you’re not shopping for vehicles, look to see how you can lighten your vehicle’s load. Remove items from the car that you don’t use regularly (be sure to leave the spare tire and car emergency kit in there, though!).

Buy Quality Fuel

Fuel that comes with discounts generally contains a higher percentage of ethanol. As a result, it burns faster. Good quality fuel, on the other hand, will cost you more but will take considerably more time to be consumed, giving you better fuel economy.

If you’re looking to protect your vehicle and save money, car insurance can help. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and car!

Do You Need Rental Car Insurance?

Posted on by TheSph3r3
Do You Need Rental Car Insurance?

Determine if you would benefit from securing rental car insurance.

When renting a car, it’s natural to think that you need insurance from the rental car company to protect your journey. While they may want to sell you auto insurance coverage with all of the added bells and whistles, it’s wise to first consider if you actually need insurance. Before you drive your rental car off the lot, here are a few basics you need to know.

Before you take out the rental company’s car coverage, you’ll want to see whether you’re already covered by your own personal insurance policy and credit card benefits.

Typically, there are four coverages available when you rent a car:

  • Loss-damage waiver: Covers you for liability if a car is damaged while you are renting it. If you don’t have this coverage, the rental car company could charge you for loss of use during repairs, as well as any repair and towing charges. If your primary insurer doesn’t cover these, you’ll need the waiver.
  • Liability coverage: Encompasses damage to any property as well as medical expenses for passengers in another vehicle if you’re in a collision.
  • Personal accident insurance: Covers medical costs for you and your passengers in the event of an accident.
  • Personal effects coverage: Covers valuables you keep in the car in case of theft or damage.

Are you covered already?

If you aren’t already an insured driver, you’ll want to take out the car insurance from the rental company. However, if you already own auto insurance, you may be covered already.

  • Check to see if you have adequate liability limits.
  • If you have comprehensive and collision coverage, you may consider declining the rental company’s loss damage waiver.
  • If you have adequate health insurance, you may not need the company’s personal accident insurance.
  • Review your home or renter’s insurance policy. This should cover your belongings wherever you take them, meaning it’s safe to decline the rental company’s personal effects coverage.
  • See if your credit card offers any benefits for putting the rental car payment on the card. Some cards will offer complimentary insurance.

Part of saving money and staying safe on the roads is securing reliable coverage. Visit All Nevada Insurance today to secure auto insurance to suit your needs. We serve Las Vegas and beyond!

Spring Driving Hazards to Look Out For

Posted on by TheSph3r3
Spring Driving Tips for the Season

Be mindful of common springtime driving hazards.

Winter is over, the temperatures are rising, and by now you have already enjoyed the start of springtime driving. Now that spring is truly here, it’s time to think about the changes you will have to make to your driving habits, as well as being aware of the changes happening on the roads. Check out these hazards (and how to handle them!) for safe driving this spring.

Potholes

The adverse winter weather can wreak havoc on the roads, causing large and harmful potholes. Deep potholes can throw your car’s alignment off and can also become the reason you need a new wheel and tire. Carefully try to drive around the pothole, if it is safe to do so.

Children

Longer days and warmer weather brings children outside to play and allows them to walk to and from school in light, clear weather. Pay extra attention when driving on residential roads and streets near schools. Children may not always be looking where they are walking. Slow down and keep an eye out for youth.

Cyclists

Motorcyclists and cyclists are more likely to be on the road during spring. This is a time when all drivers should brush up on their vision techniques in order to stay focused and spot smaller road users. Respect everyone on the road and take care when driving near them to avoid any unnecessary happenings on the road.

Animals

Hibernation is now over. Spring is the time when animals come out and begin their search for food. Being aware of this can prevent unnecessary animal deaths and damage to your vehicle. Slow down and take care on roads where wildlife activity is high.

The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that will see you through spring and beyond! Located in Las Vegas, Henderson, and neighboring cities, contact us today.

Determining Fault in an Auto Accident

Posted on by TheSph3r3
Determining Fault in an Auto Accident

How insurers will determine who is at fault for a car accident.

More than any other factor, your driving record determines rates for your car insurance. Good drivers with a clean history are likely to enjoy lower premiums, while drivers with one or more at-fault accidents must usually pay higher rates for coverage. However, even safe drivers can get involved in a car accident from time to time. With this in mind, it’s important to understand how fault is determined in such cases.

For every crash that happens on U.S. roads, someone is always at fault. Therefore, if you’re involved in a single-vehicle crash, you will automatically be deemed at fault and can expect that mark to stay on your record for many years.

Your insurer will likely determine fault based on the police report of the incident. While there can be exceptions, the general rules of thumb are as follows:

  • If you struck another vehicle from behind, you will be deemed at fault, regardless of what the driver did.
  • If you collide with a vehicle during a lane change, you’ll be at fault if the other vehicle was in your blind spot or if the vehicle was already in the lane.
  • If you ran a red light, stop sign, or other traffic control, you’ll be deemed at fault.

Ultimately, the drivers’ insurance companies will make the final decision regarding their driver’s claim. However, with supporting evidence, you can avoid having to pay out on your insurance when you’re not at fault. When considering your claim, check to see if any traffic laws have been broken – did a driver skip a red light or were they speeding when the road accident occurred? These observations are not always easy to prove and usually require witnesses. However, they can help to determine who was at fault in an accident.

If you’re involved in an accident, car insurance can help. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and vehicle!

Does Your Car Insurance Travel Out of State with You?

Posted on by TheSph3r3
Does Your Car Insurance Travel Out of State with You?

Understand where your auto insurance leaves you before driving out of state.

Before a big road trip, the last thing on your mind is auto insurance. You’ve got to pack, plan your route, and tune up your vehicle. Even so, it’s important to take a moment to understand how and where your auto insurance will protect you. If you’re traveling out of state, you should know how that affects your current car policy.

Auto insurance requirements vary state to state, with each enforcing a different minimum liability coverage amount. It’s a natural to be concerned about coverage when traveling into different states that have higher liability requirements than what you may have on your policy. Here’s what you should know before you set off.

Where does my car insurance work?

Even if your insurance company doesn’t operate in the states that you’re planning on visiting, you may still be able to use your coverage. Generally, the only time your out-of-state insurance would not work is if you were moving to a new state permanently. In that case, you’d need to purchase a policy from the new state so you could satisfy their coverage requirements.

Where will my car insurance not work?

If you’re leaving the U.S. by taking a detour south to Mexico or north to Canada, you may need to secure different insurance while driving there. Many insurance companies do not extend protection to other countries, so be aware of this gap if you are venturing outside of America. However, if you do drive abroad, you can most likely get insurance from the rental car store where you pick up your vehicle.

The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that will see the motorist through their entire journey and beyond! Located in Las Vegas, Henderson, and neighboring cities, contact us today.

What You Should Know Before Buying a Used Motorcycle

Posted on by TheSph3r3
What You Should Know Before Buying a Used Motorcycle

Tips for Buying a Second-Hand Motorcycle

The spring will soon be here and, finally, you’re ready to buy that second-hand motorcycle you’ve always wanted. Used motorcycles are plenty in the spring months. If you’re smart, you can still find the bike of your dreams at a good price. Before you start looking, check out what you should know about buying a used motorcycle.

Do Some Background Research

There are many different makes and models of motorcycles. Have a quick look at the typical value of older bikes, keeping in mind that the older it is, the more the value will have depreciated. This will give you a good idea of how much you should be paying. 

Do a Thorough Visual Inspection

Look for misaligned body parts and mismatched colors. Open the gas cap and look inside the tank for possible rust and corrosion. Look closely for scratches under the paint, especially on a black frame. Check the undersides and ensure everything looks as it should from front to rear.

Test for Leaks

Look under the engine and, if applicable, the radiator for signs of escaping fluids. Don’t just check for puddles under the bike, either, the seller may have rolled the bike to a spot-free location before you arrived. Run a finger along the underside of the engine, especially along gasket surfaces to detect signs of leakage.

Test Drive It

Start the engine and listen for loud, unusual noises such as heavy knocks, excessive valve clutter, and odd rumbling sounds. Don’t accept the “they all do that” explanation, either. When driving, try to see if the bike wants to pull to one side when driving in a straight line. Test the brakes for poor stopping ability or other issues.

If you bought a used vehicle, you’ll need to properly insure it! Protecting your motorcycle comes easy to the insurance professionals at All Nevada Insurance. Keep your motorcycle protected with quality insurance in Las Vegas, Nevada today by giving us a call.

How to Keep Your New Year’s Resolutions

Posted on by TheSph3r3
How to Keep Your New Year’s Resolutions

Stick with your resolutions and achieve your goals in the New Year.

Another year is ending, and many of us are gathering up our willpower for our New Year’s resolutions. Whether it’s to lose weight, save money, be healthier, or all three, many of us choose the same old resolutions. But have we learned from previous experience? A larger number, if not the majority, or previous resolutions were broken in weeks. Fortunately, with these tips, you can make this set of resolutions that much more successful.

Keep it simple.

Don’t overwhelm yourself with too many resolutions! Some people aim for a complete overhaul of their entire lifestyle, and this is often rarely realistic. The best approach is to focus clearly on one or two of your most important goals.

Be realistic.

Don’t aim too high or ignore reality. Consider your previous experience with resolutions and assess what led to the failure of them. It may be that you didn’t lose weight because you didn’t make time for the gym and didn’t learn the ins and outs of a healthy diet. Consider what went wrong and ensure that your goals are entirely achievable with a bit of patience and consistency.

Start small.

Break down goals into sizeable chunks. The more planning you do now, the more likely you are to get there in the end. The planning process is when you build up that willpower which you will undoubtedly need to fall back on along the way. Narrow down your goals into achievable tasks – such as going for a run once a week or saving $50 a month. Putting figures into goals makes it much more real.

Leverage resources.

Let’s face it – there’s an app for everything! If you’re glued to your smartphone, make sure that you use it to help achieve your goals this year. Whether it’s a fitness app, financial planner, or even a daily task reminder, you can put technology to use.

Tell your friends and family.

If you tell people around you, you’re more likely to stick with your goals. Carefully choose those people around you who have shown themselves to be trustworthy to support you in this endeavor. Let them know of ways they can help when the going gets tough.

The team at All Nevada Insurance wishes you all the success! Is your goal to start a new franchise or receive the right insurance protection? We can help! Contact us today to learn more.

Why to Review Your Insurance Policies at the End of the Year

Posted on by TheSph3r3
Why to Review Your Insurance Policies at the End of the Year

What to look out for when you’re reviewing your insurance policies.

The end of the year lends itself to insurance policy reviews. As well as the festivities and the parties, policyholders should carve out some time at the end of the year to review their coverage, check their limits and deductibles, and update their insurance. Fear not – this process doesn’t have to take hours of your time. We’ve created a list of what you should look out for when reviewing your policies.

Home Insurance

  • Have you remodeled your home recently? If you’ve made a major update to the property, such as getting a new kitchen or adding a master suite, update your homeowners insurance. If the value of your property increases, your insurance will need to increase to cover the whole home’s worth.
  • Now is the time to update your home inventory with all of those precious gifts that you received during the holidays! If you were gifted with precious items such as jewelry, antiques, artwork, musical instruments, and other high-value items, you might need additional coverage to protect these belongings.
  • Did you adopt a dog for the holidays? Certain dog breeds require higher liability limits.

Auto Insurance

  • Did you purchase a new vehicle this year? Consider adding on uninsured/underinsured motorist insurance, which protects your new vehicle against hit and runs, and from getting into accidents with motorists who have little or no insurance.
  • If you’ve paid off the loan on your older vehicle, it could be time to raise your deductible or drop comprehensive and collision coverage. Find out the value of your vehicle before you decide to drop coverage to ensure it’s worth it.

 Do you need help selecting personal insurance policies? Before the year is up, give All Nevada Insurance a call – Our team of experts can help you determine what policies, deductibles, limits, and premiums are right for your needs so that you can enter the New Year worry-free. Visit us today for more information.

Unexpected Skills You Should Teach Your Teen Driver

Posted on by TheSph3r3
Unexpected Skills You Should Teach Your Teen Driver

Tricks to help your teen become a better and safer driver.  

Do you have a teen driver in the house? If you do, you probably put them behind the wheel whenever you can, and that is a great way to gain crucial driving skills and confidence on the road. The only downside to this is that the driver can quickly get familiar with the same routes and the same challenges, whether it’s a drive towards the grocery store or driving back from sports practice. When your teen has to drive somewhere out of the ordinary or encounters a new challenge, they develop new skills and stronger confidence.

Here are a few tricky skills that you probably haven’t practiced with your teen (but should!).

Different Stoplights

One-way streets, unprotected left turns, flashing yellow lights, busy crosswalks… There are plenty of different stoplights to learn. Even though certain intersections can be trickier than others, practicing them will help your teen driver to learn about staying aware of pedestrians, turning vehicles, and gauging when they can make a turn.

Long Distances

Clearly, you’re not going to want to turn your new driver loose on a road trip, however, if their longest drive has been to the mall and back, they might not be prepared for what driving long distances feels like. It’s often wise to give them some practice free-range driving, such as driving out to the country or catching a college game. Dealing with new roads, extended periods of focusing, and more drivers will ultimately help them become confident once they are loose behind the wheel.

Nighttime Driving

Many teens only drive during the day, so when they get behind the wheel at night once they’ve passed their test, they struggle. Driving at night has its dangers, from decreased visibility to drowsiness. It’s smart to take your teen out driving on a quiet weekday night to get them familiar and comfortable with driving around at night. Talk to your teens about the dangers and remind them to always have their headlights on.

Keep your teenage driver safe on the roads by helping them to develop smart skills. Additionally, secure auto insurance that can help. Visit the team at All Nevada Insurance for your custom car insurance policy in Las Vegas, Nevada.