Auto Insurance

3 Ways to Maintain Your Car’s Value

Posted on by TheSph3r3
Ways to Maintain Your Car’s Value

Top tips to help you beat depreciation and get a good price for your car.  

As many know, thrifty motoring doesn’t end when you beat the dealer down on the price of a new car. Depreciation is by far the largest motoring cost any of us will face. It’s well known that a new car’s value plummets the second it’s driven off the lot. In fact, many experts estimate that the average vehicle loses 15 to 25 percent of its value within the first five years that it’s in operation.

To help you retain the value of your car, start with these tasks.

Keep It Clean

Any car can look cheap when it’s covered in dirt, poorly cared for, and has layers of dust in the interior. A clean car can go a long way to keeping your car valuable, but this doesn’t mean you need to spend every weekend washing and polishing it. In particular, keep the interior clean, free from mud, dust, stains, and grime getting into small places. Brake dust is another problem as it can attach the clear lacquer on your alloy wheels if it’s left there too long. A quick rinse with soapy water once a week is enough.

Service It on Time

Routine car maintenance is a must, and a good technician can tell you if you’ve neglected things like routine engine oil and fluid changes. Follow your car’s regular maintenance schedule and save records of all services. Having a full-service history will also help when trying to sell the vehicle.

Sort Out the Dings

Small dings and dents are a sad fact of life, but you don’t have to just put up with them. A dent-removal expert will be able to help you with parking lot scuffs, scratches, and dings. Parking in a more deserted area of the parking lot might be all it takes to avoid those irritating battle scars.

Protecting your car comes easy to the insurance professionals at All Nevada Insurance. Keep your car protected with quality auto insurance in Las Vegas, Nevada today by giving us a call.

Car Insurance Mistakes That Could Cost You

Posted on by TheSph3r3
Car Insurance Mistakes That Could Cost You

Avoid making these mistakes when selecting your auto insurance policy.

As a car owner, you want to make sure you get the insurance coverage you need without overpaying. Unfortunately, in an effort to save money, many motorists end up making mistakes with their coverage. In turn, this comes back to bite them in the form of a large expense.

If you are in the market for insurance, here are some mistakes that could negatively impact your bank account.

Opting for the minimum coverage required.

It’s easy to believe that you’re a good driver and won’t get into a car accident where you’ll need to file a claim. Unfortunately, even the best of the best may get into an accident. One way to save money is to only opt for the minimum coverage required by your state law. Although it seems like a good strategy, it could actually backfire. Not buying enough insurance means that you could end up facing hefty expenses down the road, should you file a claim in which your auto insurance isn’t enough to cover all the costs.

Failing to understand your coverage.

Before settling on a plan, you need to understand everything that it does – and doesn’t – cover. If you don’t understand the plan, you could end up buying coverage that will not meet all of your needs. For example, you may not know if your plan provides the actual cash value or the replacement cost for your car until after you have to file a claim. There is a huge difference between the two that could prove costly for you.

Hiding information.

Sure, it seems tempting to underestimate your annual mileage or let your teenage driver start using your car without adding her onto the insurance. However, neglecting to tell the insurance company important and essential information about the vehicle, its drivers, and its use could come back to haunt you. Once the company finds out (and they always do), they could cancel your policy and leave you without coverage.

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!

Ways to Save on Your Motorcycle Insurance

Posted on by TheSph3r3
Save on Your Motorcycle Insurance

Motorists, instead of cutting down on your coverage, cut your insurance costs.

If your motorbike isn’t your primary mode of transportation, you’re likely to keep it tucked away and only hop on it for a sunny afternoon ride. While you may enjoy the thrill of this, you may hate forking out your hard-earned savings each month to keep it protected. Fortunately, there are several (effective) ways that you can save on your insurance.

Enroll in a safety course.
A safety course certificate tells insurers that you’re dedicated to being safe, and that you took extra effort in becoming a responsible driver – earning yourself a discount on insurance!

Get custom coverage.
Make sure that your policy only reflects the way you use your bike. If you store your motorcycle in the garage or keep in hibernated all winter, let your insurer know. If you only drive your bike on a sunny weekend, your insurance could be much cheaper than for someone who rides their bike to work every day.

Raise your deductible.
The deductible is the amount that you pay out of pocket after an accident. Higher deductibles mean that the insurance company assumes less risk – but you pay more out of pocket when filing a claim. Consider this cost before raising your deductible.

Pay in full.
With many insurers, if you pay your premium in full, rather than monthly, you’ll receive a discount!

Know your risks.
Love your top-of-the-line bike? Others probably do, too. The risk of theft and vandalism increases with an expensive bike, as well as having costly repairs. In turn, an insurance policy increases!

Are you ready to secure the right motorcycle insurance for your needs? Contact the professionals at All Nevada Insurance to get started on your custom coverage in Las Vegas, Nevada!

How to File a Commercial Auto Insurance Claim

Posted on by TheSph3r3
File a Commercial Auto Insurance Claim

Stay ahead of the game by knowing how to handle a claim.

If you’re a business owner, you or your employee may drive every day. No matter how you and your team use your commercial vehicle or fleet, you could be at risk in the event of accidents on the road. When an incident happens, knowing how to file a commercial auto insurance claim will help you to save valuable time!

Check for injuries

Immediately following the crash or impact, check the people involved for injuries, and contact the appropriate authorities.

Gather information

Next, you’ll want to write down information to relay to your insurance company when making a claim:

  • The names of everyone involved in the accident
  • All vehicle license plate numbers and car information
  • The insurance information from all other drivers involved
  • All accident specifics that you can remember

It’s a good idea to take pictures of all vehicles involved, damage caused, and to jot down notes about what happened. This information could be helpful during the claims process.

Calculate

If the accident is minor and caused no damage, evaluate whether it’s worth calling your insurance company to file a claim. If the cost of the damage is lower than your deductible, it may be more cost effective to pay for the damage out of pocket.

File

When you’re ready to file your claim, call your dedicated insurance agent who can handle the ins and outs of getting you back on your feet.

Skip the search of finding the right insurer that is there for your business. To get the right commercial auto insurance, contact the experts at All Nevada Insurance, serving Las Vegas, Nevada.

What Driver’s Ed Does Not Teach Kids About Tires

Posted on by TheSph3r3
Teach Kids About Tires

Tread carefully! Here’s what to teach your kids about keeping tires safe.

While Driver’s Ed classes do much in the way of teaching your teen how to drive safely, it tends to neglect the very real side of being a motorist – car maintenance. Many teen drivers today don’t know where to begin when it comes to checking the safety of their vehicle, but they can drive impeccably. To help your child feel confident on the roads, teach them about the importance of tires!

Pressure

A car’s tire pressure constantly fluctuates, but it’s important that they are at the right psi (pounds per square inch). The sticker in the doorjamb will list the manufacturer’s recommended limits for tires, but it’ll be up to you to inform and instruct your child on how to check and top up the pressure. Maintaining good tire pressure can improve the fuel economy and safety for drivers of all ages.

Tread

The traction that the tires maintain with the road is vital to road safety, especially in adverse weather conditions. When tires age and wear, their tread decreases, making for slick tires that could be dangerous. It’s easy enough to grab a penny or buy a tire check kit – but teach your children why it’s important and what to do if the tread is flat. It can be extremely dangerous to drive with bald tires, so getting them replaced before they reach the red is imperative.

Flat

Getting a flat tire is all part of life. Even for the safest of drivers. Make sure that your teen knows how to change a flat tire roadside so that they are prepared.

Part of keeping your teenager safe on the road is insuring them with reliable coverage. Visit All Nevada Insurance today to secure auto insurance for your teen driver. We serve Las Vegas and beyond!

Your Step-by-Step Guide for Buying a Boat

Posted on by TheSph3r3
Guide for Buying a Boat

Your guide to buying your dream boat.

If you’re thinking about purchasing a boat, there’s a lot to consider first. A boat is a big purchase and an ever bigger responsibility. But, where do you get started? Check out this handy guide that briefs you through each process of buying a boat.

Assess Your Needs (and Wants)

Evaluate your needs by asking the following questions:

  • Who will use the vessel?
  • How will you use the boat? (Day trips, week-long excursions, water skiing, or just cruising?)
  • Will you use the boat year round?
  • How much can you afford?
  • Where will you use the boat?

Once you’ve asked yourself these questions, you’ll have a better idea of the type of boat you want and what you’re looking for.

Do Your Homework

In this digital age, it’s smart to make the most of it! Head online to research boats that fit your specifics, read up on terminology, and sign up for classes on how to handle a boat. Once you’ve found the vessel you’re looking for, check out the reviews online to see how other captains like it.

Get Involved

If you can, attend a boat show and start reading boating periodicals. It’s likely that sailing is your hobby, so why not learn the ins and outs of it!

Make the Purchase

When you’ve found the right boat, be sure to inspect it carefully. If you’re spending thousands of dollars on a boat, new or used, you may want to have it professionally inspected by a surveyor. If you’re borrowing money, your bank may require a surveyor to appraise your boat. Then you’re ready to take the plunge!

Insure It

Your new boat was a big investment, so it’s wise to insure it! Basic insurance coverage includes physical damage to your boat, bodily injury, property damage liability, and medical payments. You may also consider optional coverage for things such as personal effects, emergency services, and trailers.

When you’re ready to get started on securing boat insurance, visit the team at All Nevada Insurance, serving Las Vegas and beyond.

How and Why to Check Your Tire Tread

Posted on by TheSph3r3
Checking Your Tire Tread

Check your vehicle’s tire tread to steer your way to safety.

Are you one of those motorists that only gets the tires checked when the car is in for a tune up? If so, it’s time to start checking tire tread more regularly. Tire tread ensures that we stay safe on the road by gripping the surface. In short, tires allow us to steer accurately, prevent hydroplaning on wet roads, and brake effectively. Without safe tire tread, the chances of accidents, incidents, and vehicle damage skyrockets.

In the United States, tire tread depth is measured in 32nds of an inch. When your tires reach 2/32”, the U.S. Department of Transportation recommends replacing them. Before you get out the tape measure, the simplest trick in the book is to perform the penny test that allows you to check whether you’ve hit the 2/32” threshold.

  • Place a penny between the tread ribs on your tire. (The rib is the raised portion of tread that spans the circumference of your tire.)
  • Turn the penny so that Lincoln’s head points down into the tread.
  • Look at eye level to see if the top of his head disappears between the ribs. If it does, your tread is still above 2/32”. If you can see his entire head, it may be time to replace your tires as the tread is no longer deep enough.
  • Check each tire and various places around each tire. Pay special attention to areas that look the most worn.

Another indicator of a worn-out tread already lives in your tire themselves. Every commercial tire comes with an indication bar embedded between the tread ribs at 2/32”. If the tread is flush with the indicator bars, it’s time to get a new set of wheels.

Along with correct tire pressure and tread comes reliable auto insurance. Skip the search of finding the right insurer for you – visit All Nevada Insurance today! Get started on securing a reliable auto insurance policy in Las Vegas, Nevada by giving us a call.

New Year, New Smarter Insurance Resolutions

Posted on by TheSph3r3
Insurance Resolutions

Next year, make your insurance plans work for you!

The impending New Year is a time when many people pledge to lose weight, save more money, and be more organized. However, mid-year (or mid-January, depending on how strong-minded you are), exercise equipment gathers dust and bank savings are depleted. These are familiar signs of the way New Year’s resolutions are quickly abandoned.

There are a few resolutions that you’ll not only want to make but be prudent about, all revolving around insurance! Maintaining insurance policies suited for you allow you to save money, be protected, and have peace of mind.

To make 2017 your best year yet, here are some New Year’s resolutions to help you fine-tune your insurance policies:

See if you’re eligible for discounts
Premiums are calculated on the level of risk an insurance company must take to provide you with coverage, but there are steps you may be able to take to reduce those risks. For example, even the simple task of installing burglar alarms in your home means that your house is better equipped for breaking and entering, thus lowering your homeowners insurance premium. Also, if you have teenage drivers who are in school, they may qualify for a Good Student Discount on their car insurance.

Update your home inventory list
A comprehensive home inventory catalog allows your home and belongings to be recovered, rebuilt, and replaced after a loss. Therefore, a full home inventory can help you replace your belongings after a loss, and accurate records make it less likely that there will be a dispute between you and your homeowners insurance company during the claims process.

Repair gaps in coverage
One of the quickest ways to make your heart sink is to file a claim after a loss, then find out that you don’t have the right coverage. Certain high-value items exceed homeowners insurance coverage. This means that if damage or loss occurs, you would be left footing the bill. To cover your items, you should ensure that their value doesn’t exceed the monetary limit on your homeowners insurance policy or add additional insurance.

A New Year is a new start and a time to start over. Committing yourself to these resolutions can help provide you with peace of mind, protection, and save you money! To get started in securing the right insurance policies for your New Year ahead, visit the Las Vegas professionals, All Nevada Insurance today.

Common Car Seat Questions – Answered!

Posted on by TheSph3r3
Car Seat Auto Insurnace

What you need to know about car seat safety.

New parents have a lot on their mind. With new responsibilities and tasks that come with newfound parenthood, some of us feel completely overwhelmed when it comes to the important things, such as car seat selection, installation, and proper usage. It’s important to remember that you’re not alone in this instance.

To cover what you need to know about car seat queries, we’ve compiled a list of common car seat questions, along with the answers!

Where is the safest place to install a car seat?

Typically, the center rear seat is the safest place for a car seat. If possible, use the lower anchors and tethers to attach the car seat. If your car doesn’t have a latch connector for a middle seat, you can use the middle seat belt to secure the base properly. When installing, press down firmly on the car seat base and tighten the belt to ensure that it does not move more than an inch from side to side.

How can I be sure that my child is secure?

It’s important to keep the harness snug around your baby when in the vehicle. You can perform the ‘pinch test’ to determine if you’ve tightened it enough: if you can pinch the harness straps at the shoulder and can gather material, it’s too loose. Make sure to cinch it down.

How long can I keep a car seat?

Believe it or not, but car seats expire. This is a particularly good reason not to hang onto a car seat for too long. Similarly, it’s a compelling reason not to buy a second-hand car seat. Check the expiration date to confirm that the seat is safe for your child. You can typically find this date on the back or the side of the car seat.

With a brand new bundle of joy comes new responsibilities and priorities. To ensure that your insurance policies cover your loved ones, assets, and finances, contact the team at All Nevada Insurance. We serve Las Vegas, Nevada with the quality coverage that you need and deserve.

Safe Driving Tips for Winter Roads

Posted on by TheSph3r3
Winter Driving Safety

Adverse weather, dark days, and cooler weather – handle driving through it all with these safety tips.

Driving in the winter is very different than in other times of the year. The weather and reduced visibility make it much harder for the motorist to commute without any trouble. Sometimes conditions can be extreme, as we have found over the recent winters. Because of this, we need to adapt the way we drive and how we maintain our vehicles.

Read on for the essential safety tips for this year’s winter roads!

Prepare Your Vehicle

It’s a good idea to have your vehicle fully serviced before winter starts and have the antifreeze tested. If you can’t have it serviced, do your own checks.

  • Make sure the lights are clean and in working condition.
  • Charge the battery if necessary.
  • Check that the tires’ tread and pressure are in good condition.
  • Be sure that the brakes are working well.
  • Test the windscreen wiper blades.
  • Top up fluids, such as antifreeze, oil, and windscreen wash.

Driving in Winter Weather

If you find yourself driving in hazardous weather, adapt your driving with these tips:

  • Reduce your speed. The chances of you skidding are much greater and your stopping distance increases dramatically when you speed.
  • Only travel at a speed at which you can stop promptly. Speed limits are the maximum in ideal conditions. In difficult conditions, they can often be too high to travel.
  • Avoid hard braking and acceleration, or sharp steering.
  • Road surfaces may be wet. Take care when driving after it has rained, as oil can lie on the surface.
  • Use your headlights during dusk and dawn to see and be seen by other vehicles on the road.

Don’t wait until you have a seasonal disaster to find out that your auto insurance coverage doesn’t cover the incident. Talk to the professionals at All Nevada Insurance to secure a reliable policy to suit your needs and budget.