Auto Insurance

How Dangerous is Distracted Driving?

Posted on by TheSph3r3
Dangerous is Distracted Driving

Staying focused on the roads is the only way to drive!

The dangers of distracted driving are well-known at this point. Anything from texting on cell phones to futzing with the radio, to applying your make-up, can shift your focus from the road.

Unfortunately, newspapers, magazines, and the Internet report daily accounts of car accidents that have resulted from distracted driving. The numbers are ever-increasing with drivers using smartphones, and the invention of smart watches that make accessing technology a whole lot easier.

Distracted driving results from:

  • Eyes off the road – From staring at billboards to gawking at crash scenes, distractions divert your eyes from the road and what is happening in front of you. If the car in front stops suddenly, you could end up in a rear-end collision.
  • Daydreaming – If your mind is taking away from driving to focus on what your passengers are saying, your reaction times will only slow.
  • Hands off the wheel – Eating, drinking, using a cell phone, or reaching for fallen objects – refrain from doing any of these, as once your hands are off the wheel, you’re asking for trouble.

To distract yourself from the distractions, use these tips and be a safer driver:

  • Turn off your phone. Try putting your phone out of reach or shutting it down before you start driving. Out of sight, out of mind, right? Any text or call you receive while driving isn’t important enough to put your life, and other drivers’ lives, on the line.
  • Be organized. Whether you need to get out your parking pass, set your GPS, or apply a touch of lipstick, do it before turning on your car. That way, you’ll be better prepared, and you won’t need to take your eyes, hands, or mind off the road.
  • Find zen. We all need a little peace and quiet in our lives. Make your driving time quiet time to concentrate and be calm!

To better protect your drive, vehicle, and finances, secure yourself a quality auto insurance policy. For the best coverage at the best rate for you in Las Vegas, Nevada, contact All Nevada Insurance today.

Is Your Teen Behind the Wheel? Read This To Secure Them the Best Coverage!

Posted on by TheSph3r3
Auto Insurance for Your Teen

Keep your children safe on the road by enforcing good driving habits and reliable protection.

The time has come for your teenager to take the wheel. Before you let them into the driver’s seat, it’s important to ensure that your child is ready to stay safe on the roads.

It’s no secret that teenagers cost more to insure on any auto insurance policy. Their inexperience on the roads can result in accidents, as well as their daredevil need for speed.  Any parent can add their qualified teenager to their car insurance policy to receive reliable protection.

Passing the keys to your teenage driver is a monumental moment for yourself and your child. Doing this results in the addition of your child to the family car, or their own car’s, auto insurance policy.

Here’s what you need to know about the process:

When: Most insurance companies must be informed when your teen is driving your car with a permit. Once your teen passes the test and has a license in hand, then you must add them to the policy.

What: Note that a car of less value, or one with numerous safety features, will be cheaper to insure than a flashy, expensive car. A teen’s first car is going to get dinged and dented quickly, more often than not, so start them out on a safe second-hand car.

Behaviors: Encourage your child to remember the rules of the road and safe driving practices even after they have passed their test. A successful way to do this is to set a passenger limit, never let them use a phone whilst driving, and regularly drive with them to watch for bad habits.

Feedback: To keep an eye on your teen’s driving behavior, you can add a monitoring system to your teen’s car. This tracks certain aspects of driving such as speeding, seat belt usage, hard breaking, and arrival and departure time. This feature could reduce your auto insurance premium.

Savings: While your auto insurance rate will increase when adding your teen, you can control how much it goes up. Look for savings with Good Student Discounts!

Find out how much you can save when adding your teen to your auto insurance policy with All Nevada Insurance. Contact us for all of your insurance needs in Las Vegas and neighboring cities in Nevada, so that you, as a parent, can feel rest assured that protection is in place.

Should I Choose An Independent Insurance Agent?

Posted on by TheSph3r3

Determining The Best Person To Meet Your Needs

Whether you are just trying to get the legally required amount of auto insurance or are looking for homeowners insurance to cover every facet of your home, determining the right insurance policy can be a bit confusing. You do not want to be left with a gap in coverage, but you also do not want to pay for coverage you do not need. Fortunately, an insurance expert can help you find the right level of coverage for the right price. Here are a few ways an independent insurance agent can serve you.

  • More Options: When you go straight to a major insurance provider to get coverage, you only see the policies they offer. When you shop comparison sites online, however, you get less information about the offered policies. An independent agent can see every policy available from every provider, and will show you those that will meet your specific needs.
  • Better Prices: Similarly, because an independent agent can see all the available policies, he or she is able to shop quotes and show you which policies will maximize your savings. Also, because the agent has industry experience he or she will be able to point out every discount available to you.
  • An Ally: Your independent agent is there to help you understand your coverage and tackle any issues as they arise. Do not be left confused when filing a claim or paying for something you thought your insurance would cover. An independent insurance agent will serve as your advocate and ally.

To work with a dedicated team of independent insurance agents, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. We are committed to getting you the best policy at the best price. Do not be left navigating the world of insurance coverage blindly; call us today for the expert guidance you deserve!

Springtime Boat Check

Posted on by TheSph3r3

Has your boat been out of commission for the winter? Whether you sail or drive, these tips can help you get your craft ready in time for warm weather.

1. If you have a powered craft, check the engine and props for signs of decay and corrosion. If you’re not sure what to look for, have a qualified boat mechanic perform an inspection.

2. If you have a sailboat, check the rigging and fittings for cracks, rough spots or rust. Inspect the sail cloth for holes, tears or frayed areas.

3. Make sure belts, cables, hoses and clamps fit closely and show no signs of wear or brittleness.

4. Inspect the hull for cracks, thin spots or blisters. Have the hull repainted, sanded and filled as needed.

5. Check all life preservers and other safety equipment for damage or decay.

6. Make sure stoves and any other electrical equipment is held firmly in place and shows no sign of corrosion.

7. Refill or replace fire extinguishers. Be sure you have the recommended extinguishers for your boat.

8. Top off or replace all fluids, including steering, engine oil, power trim reservoirs and coolant.

 

All Nevada Insurance can help Las Vegas residents with their insurance coverage needs. To learn more, contact us.

Marriage, Work and Safety: Three Big Changes that Could Lower Your Auto Insurance Costs

Posted on by TheSph3r3

Did you know that changes in your life and upgrades to your vehicle could save you money on your auto premiums? Here’s how:

Marriage
If you add your spouse to your insurance policy, the rates you both pay could go down. Insurance companies view married couples as more stable and likely safer drivers.

Job Changes

Your insurance rates depend in part on how much you use your vehicle. If a job change means you commute fewer miles each day, or take public transportation, let your insurance company know.

Safety Upgrades
If you add a security system or update a safety feature (anti-lock brakes, airbags) on your vehicle, your insurance company may offer a discount.

Smoking Cessation

Insurance companies rate smokers as higher risks (yes, this applies to vehicle as well as health and life insurance). Notify your insurer if you stop smoking, and be prepared to offer evidence, such as a certificate from a smoking cessation course or nicotine patch prescription.

If you’d like to save more money on auto insurance, be sure to keep your insurer informed about

The amount of discounts can vary depending on your age, location, vehicle and driving history. An independent insurance agent can help you explore available discounts, and choose the best coverage for your needs.

All Nevada Insurance can help Las Vegas residents with their car insurance needs. To learn more, contact us.

Las Vegas Police Change Fender-Bender Policy

Posted on by TheSph3r3

Beginning March 3, 2014 Las Vegas police changed the policy on fender-bender accidents to free up Metro’s police force.  Per Sheriff Gillespie, Metro’s force continues to be "stretched to its limits". By changing the fender-bender policy, it is estimated that 250 hours per week will be available for officers to perform essential duties.

 

There are now 30 fewer traffic officers than there were just 18 months ago. Metro reported that minor traffic incidents/accidents are consuming excessive amounts of time when severe crashes and fatalities deserve urgent attention.

 

With the change, police are no longer required to respond to minor property-only incidents. Drivers involved should still exchange information.  They should also file an accident report within 10 days of the incident.  Metro’s police force will now have more time to apply their efforts in reducing traffic fatalities.

 

Do you need auto insurance? Contact All Nevada Insurance for full coverage and low rates. We have over 70 years of experience and have complete knowledge of the industry. We are one of the most trusted brokers, providing a full range of insurance and financial services. All Nevada Insurance cares about you and your family and we maintain excellent communication.  As a full service agency, we are fluent in Spanish and are prepared to find the best protection for your situation.

 

Spring Is the Best Time to Update RV Insurance Coverage

Posted on by TheSph3r3

Travel plans are being developed months before departure.  As part of the preparation, RV owners are wise to evaluate the existing RV insurance policy.  Consideration must be given to the differences between auto insurance and RV insurance.

  • Specialized vehicle – A recreational vehicle requires coverage for personal belongings and more expensive towing services.  RV insurance offers services that are designed to assist policyholders with various problems that arise on the road.
  • Avoid cheap insurance – Affordable RV insurance includes the insurer’s strong reputation for paying claims and providing assistance.  Policyholders trust the insurance company to respond regardless of the RV’s location.
  • Sufficient liability coverage – Your property must be protected against loss when you cause damage to property belonging to another person.  Liability limits must be sufficient to pay for these losses.
  • Applicable discounts – Savings on RV insurance is possible when the policyholder asks for the Exclusive Storage Option that suspends unnecessary insurance when the RV is not in use.
  • Annual destinations – Driving into Mexico, or Canada, might fall outside the acceptable risk of your current RV insurance.  Contact the insurance company early to make appropriate adjustments.

For more information about RV insurance in Nevada, contact All Nevada Insurance located in Las Vegas.

What to Do If You Have a Car Accident in Nevada

Posted on by TheSph3r3

All it takes is a slippery road or a moment’s inattention to cause a car wreck. A car accident can happen very quickly, and it may be one of the scariest moments of your life. Every driver should know what to do if there is an accident. However, the protocol may differ depending upon the state in which you are driving. In Nevada, this is what drivers should do if there is an accident.

Move Out of Traffic and Call the Police

First, if the vehicles are able to be moved and no one is seriously injured, move the vehicles out of the way of traffic. Next, call law enforcement. If no one is injured, you may just want to call the police without using the 911 number. If law enforcement shows up to work the accident, he or she will fill in the proper paper work. However, if a policeman is not available, you must take it upon yourself to get the correct information.

Paperwork Necessities

Make sure that you get the other driver’s full, legal name, phone number, and address. Additionally, you should get their driver’s license number and license plate number. Be sure to record their car information, like the make, model, and color of the vehicle. Also in Nevada, paperwork requires the Social Security numbers of both parties. Write down the approximate location of the wreck, the weather conditions, and the exact date and time of the accident. Be sure that you supply the other driver with the same information for yourself.

File Papers

In Nevada, you must file a Report of Traffic Accident within 10 days of the wreck. This form is available on the Department of Motor Vehicle website. It will include all of the above information and will not be accepted without it. You will also need to include a copy of your insurance card and medical reports if someone was injured.

Insurance Claims

Be sure to notify your insurance company of your accident as soon as you can. They will walk you through the steps of getting your vehicle repaired and making any claims against the other driver.

If you have questions about your auto insurance in Las Vegas, Nevada, contact All Nevada Insurance today.

Special Programs for Young Drivers in Las Vegas

Posted on by TheSph3r3

Teen drivers have accident rates up to three times higher than the rest of the population. If your teen is learning to drive, you may be interested in these resources:

Adam’s Place, a counseling center focused on teen issues offers a driving education course tailored for young beginners. The course was developed by concerned parents and traffic safety experts. In addition to teaching driving skills, the course places strong emphasis on safe driving, accident avoidance and injury prevention. The 30-hour course will prepare a teen driver for licensing, but more importantly, build awareness of the responsibility drivers accept for the safety of themselves and others. For dates, times and registration information, call (702) 339-0848.

Driver’s Edge is a unique safety course for drivers under 21. The course appeals to young drivers with sessions on the Las Vegas Motor Speedway course. During the session, drivers are taught how to control their cars in difficult situations and learn methods of avoiding collisions. As part of the course, every student will have a chance to get behind the wheel with a professional race driver or performance course driver. Dates vary, call (702) 896-6482 for details.

All Nevada Insurance is dedicated to protecting Nevada drivers, especially teens, with the right insurance. To explore your auto insurance options, contact us.

Spring Is Here: Insure All of Your Summer Toys

Posted on by TheSph3r3

The owner of a motorcycle, dirt bike or ATV should never assume that existing auto insurance policies would cover these toys.  Summer activities offer fun and excitement for all participants.  Sufficient insurance is required to prevent loss when accidents happen.  Start today to protect your assets from loss.

  • Property insurance – Damage to your motorized vehicles, RVs, boats and golf carts would be covered under this component.  Repairs, or replacement, of your property is important since few people can afford to pay for these expenses out of pocket.
  • Liability insurance – Property belonging to other people would be covered under this component.  In addition, injuries incurred when other people are involved in an accident with you would be covered.  Liability limits should be set high enough to cover lawsuit awards if another person sues you following an accident.
  • Injury coverage – The liability component will pay for injuries sustained by third parties.  Medical coverage is important if you and your family are not covered under another major medical insurance policy.  Health expenses can add up quickly if multiple people are injured in an accident.

For more information about insuring your toys in Nevada, contact All Nevada Insurance located in Las Vegas.