Lifestyle

Will Auto Insurance Cover My Car’s Modifications?

Posted on by TheSph3r3
Car Modifications Auto Insurance Las Vegas NV

From a custom paint job to adding a supercharger, modifications can complicate your car coverage. 

If you’re tempted to kit out your car with custom modification, you could face automobile insurance ramifications.

Modifying your vehicle can be a great way to personalize your vehicle, and even improve its performance. The downside to this, however, is that you run the risk of skyrocketing insurance rates!

Modifications a Standard Policy Won’t Cover
Vehicle modifications or customizations that are not made at the factory, as well as aftermarket parts, are typically excluded from standard policies. Always talk to your auto insurer before altering your car. If you were to make modifications to your vehicle, you would want to inform your insurance company if you want them adequately protected.

Risky Businesses
Auto insurance is based on risk, and car modifications increase the following risks:

  • Accident – Modifications that alter the look or performance of your vehicle are often considered risky to auto insurers. From engine changes, sports seats, to spoilers, all of these can increase your insurance premium as you’ve potentially added more risk.
  • Theft – Modifications such as phone kits, stereo systems, and performance updates also increase the chance that your car gets broken into or stolen.

Available Coverage
A standard policy may not cover your new vehicle, but there are a couple of options to get the right level of protection for your cool car:

  • Supplement coverage – Many insurers offer endorsements that provide supplement coverage for modifications and aftermarket components.
  • Collectible car insurance – If the insurer doesn’t offer this type of endorsement or the coverage limits are inadequate to protect your investment, you can seek coverage from a carrier that specializes in insuring classic automobiles.

If you have a modified vehicle or are thinking of adding a few cool updates to your car, call your insurer for coverage options! Skip the search of finding the best car insurance for you – contact the local professionals directly! Call the insurers at All Nevada Insurance to get started on your auto insurance policy today

Enjoy Lake Vegas with the Family This Summer!

Posted on by TheSph3r3
Family Fun Lake Day Ideas in Las Vegas NV

Get the whole family involved in some Lake Las Vegas fun!

Just seventeen miles from Las Vegas’s famed Strip, Lake Las Vegas is a manmade lake that families and couples alike can enjoy, summer after summer. When you’re not hitting the slots this season, take some time out with the family and go to Lake Las Vegas!

Here are some fun things for you to do at Lake Las Vegas!

Take a Scenic Walk
MonteLago Village is a lakeside village in the old-world Tuscan style, complete with cobblestone-paved streets and piazzas, eateries on the water, and brilliant shopping! With stunning architecture and a beautiful landscape, it’s an ideal place to take a stroll with the family. Be sure to drink plenty of water if you take a walk during the hottest part of the day!

Get Some Exercise
Take some time out from the kids to enjoy two full-service spas in Lake Las Vegas, where there are plenty of fitness classes as well as a top-notch workout facility. If workout out doesn’t sound quite right, enjoy a relaxing massage to end the fun-filled day!

Go Out on the Lake
What else better to do in Lake Las Vegas than enjoy the lake! You can rent watercraft, boats, and even yachts! Catch some rays while relaxing aboard a boat, take a quick dip, or get active by kayaking!

With plenty to do at Lake Las Vegas, the professionals at All Nevada Insurance hope that your family enjoys a fun summer! To thoroughly relax on your vacation, contact us for all of your insurance needs.

Driving to Your Summer Vacay? Prep Your Car!

Posted on by TheSph3r3
Road Trip & Auto Insurance Las Vegas NV

With the summer upon us, plenty of vacationers are driving to their holiday destination.

This summer, there will be many motorists on the road. With gas prices leveling off, many are opting to drive to their beach holiday or resort vacation. Whether you’re traveling long distances, or just a few hundred miles to spend some quality time with the family, you’re going to need to prep your car before you set off.

Here’s how to best give your car some TLC before the long journey!

Get any major repairs done. If your vehicle needs any repairs, do this at least one month before you hit the road on your haul. That will allow time for any problems related to the repair to pop up – and get sorted!

Check the coolant. If your destination is a lot warmer (or cooler!) than home, make sure that the coolant’s mixture of antifreeze and water is correct.

Check the tires. Make sure that your tires are inflated to the proper pressure, as this will keep them running longer and will help your fuel efficiency. Scan your tires for any wear, tear, or bald spots that may become an issue later on down the road (literally).

Fill up the fluids. Get a mechanic to look over your fluid levels to make sure that they’re all where they need to be.

Check the air filter. A clogged air filter reduces fuel economy as it makes the engine work harder. They’re easy to change, so now is a good time to do so!

Buy a road atlas. Hours and hours of straight freeways can get boring. Getting off the beaten path can add an entirely new dimension to your trip.

Pack your emergency kit. From a first aid kit to blankets, flashlights, and water – make sure that you have it all in your car.

Review your car insurance. Check that your auto coverage will protect you if you face a hurdle on the road. Also, consider getting roadside assistance from your insurer so that if you break down in the middle of nowhere, you’ll have a reliable source of help!

At All Nevada Insurance, we work with you to secure auto insurance tailored to meet your needs and budget. Contact us today for the right policies in Las Vegas, Nevada!

Here Are 3 Ways to Save on Your Motorcycle Insurance Policy

Posted on by TheSph3r3
Save on Motorcycle Insurance

Steer your way to success with an affordable motorcycle policy!

You caught the fever and finally decided to buy your very own bike and learn how to ride. While motorcycle riding can be a fun (and thrilling!) recreational activity, you always want to be sure that you remain safe at all times.

While every motorcycle driver will have the best insurance policy in place, there may be a chance that you’re overspending on your premiums.

Make and Model Matter

Just like with your car insurance, the type of vehicle that you insure has a significant impact on your insurance premiums. First, the more expensive a bike is to repair or replace, the higher your insurance premium will be since any claim on that motorcycle will cost more than average. Second, the frequency of theft for the type of bike will affect your coverage costs. If you have the highest-end bike, you’re more likely to file a theft claim.

Experience Counts

Newer riders that are fresh off the training course should expect to pay higher premiums than someone with more years of motorcycle driving experience. You can help to minimize this cost by taking a motorcycle safety course. Training sessions not only mean that you become a safer driver, but your insurer could offer a sizeable discount with this qualification.

Drive Less

The more mileage you put on your bike, the higher the premiums tend to be. No matter how safe a rider you are, if you’re on your bike all day every day, your chances of being involved in an accident increase. For those who only use their bikes on the weekend and have a lower annual mileage, be sure to inform your insurance agent.

Check out how you can save on your motorcycle insurance premiums by contacting the professionals at All Nevada Insurance, serving Las Vegas, Nevada!

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.

Ways to Keep Your Employees Happy

Posted on by TheSph3r3
Cheap Ways to Keep Your Employees Happy

Low-cost solutions to boost employee morale.

As your business takes off, the last thing on your mind is giving your employees any more than they need.

As you grow your business, you’ll face the dilemma of wanting to attract the best and brightest workers, but you can’t afford the high-dollar salary and brilliant benefits.

The good news is that a lot of employees are looking for more of a balance of salary and perks. In the long run, providing low-cost benefits can help you to attract loyal employees and compete for the top-tier of workers! Check out these low-cost ways to keep your employees happy.

  • Unlimited paid time off – You may be thinking that giving employees free reign of paid time off sounds like you’re going to see all play and no work. However, this freedom motivates employees to work harder and get tasks done so that they can enjoy their time off. With the right policies in place and trustworthy employees, this can be a good pay off for the individual and the company alike.
  • Telecommute – Give employees the option to work from home one day a week so that they can run errands, take care of their pets, and enjoy life – all while getting their work done. Additionally, you don’t have to pay for the electricity or gas to run your office one day a week!
  • Encourage breaks – Set up a designated quiet room for employees to take 10-minute relaxation breaks. Anything from a yoga mat to a comfy chair makes a good spot for workers to catch their breath.
  • Team building events – Take your staff to an off-site location to enjoy team building, at least once every six months. Whether it’s a potluck in the park on a Friday afternoon or a baseball game on Thursday, your team can strengthen through out-of-work interaction!
  • Let the dog out – More and more of us are adopting shelter pets and abandoned pups. While this shows our compassionate side, leaving them cooped up indoors all day. Designate a day where your employees can bring their dog to work so that they can feel at ease knowing that their 6-month old lab isn’t tearing up the sofa. Plus, who doesn’t love a quick cuddle with the four-legged friends?

One thing that your business shouldn’t have to worry about it coverage for accidents, lawsuits, and damages. For this all-encompassing business insurance, contact the professionals at All Nevada Insurance, serving Las Vegas and neighboring cities in Nevada!

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.

What Insurance Do Startup Businesses Need?

Posted on by TheSph3r3
What Insurance Startup Businesses Need

Get your business off the ground with secure defenses in place.

For most businesses, even fledgling ones, business insurance should be considered as essential to their survival as basic utilities and steady customers. Some types of insurance are required by law – others are just smart for your business. Which ones does your company need?

To make sense of the nonsensical insurance terms, it’s helpful to have a guide. And All Nevada Insurance is here to be exactly that for your business! We want to help you safeguard all of your hard work, so here are the top coverages that your startup needs.

General liability insurance – This provides financial protection for your business in the event of lawsuits and claims. These may arise as the result of injuries or property damage connected with your business, or even non-physical acts like slander or libel.

Property insurance – If you conduct business from a building – which is more likely than not – you’ll need this coverage to protect your property from fire, wind and hail storms, and vandalism.

Business Owner’s Policy – This cover is the best of both worlds! A BOP bundles general liability and commercial property coverages, and is generally the most affordable choice. If you’re a small business owner and you want the convenience of a single policy covering the bulk of your risks, this is a great choice.

Flood insurance – Backed by the federal government, the National Flood Insurance Program covers businesses from financial losses due to property damage caused by flooding.

Does your startup need the protection that will allow you to focus on excelling your company? If so, then contact the professionals at All Nevada Insurance. We serve Las Vegas and neighboring cities of Nevada with the right business insurance policies and can tailor coverage that’s right for you, no matter what your business needs.

Fourth of July Safety Tips

Posted on by TheSph3r3
Fourth of July Safety Tips

Now that summer has kicked into high gear, it’s time for some 4th of July safety tips!

For millions across the United States, July 4th is a celebration of the nation’s independence. In addition to it being the start of summer, it offers the perfect time to gather with friends and family for good food and fun times!

With sparklers, fireworks, and barbeques being eternally present in most 4th of July celebrations, here are some safety tips to keep your holiday safe and your memories good ones!

Swimming safety

Nothing beats the beach or pool to cool off on a hot summer day. If there are people in your group who don’t know how to swim or aren’t good swimmers, have a safety system in place!

  • Keep a watchful eye on everyone in the water.
  • Teach children basic water safety tips.
  • Keep children away from pool drains, pipes, and other openings.
  • Have flotation devices near.
  • Never leave children or unconfident swimmers alone.

Grilling safety tips

  • Make sure your grill is well away from your home and deck railings, and out from under eaves or overhanging branches.
  • Keep children and pets away from the grilling area.
  • Never leave your grill unattended!
  • Grill outdoors only.
  • If you spot a leak, shut off the gas immediately.

Firework safety tips

  • Leave lighting them to the pros!
  • Never use fireworks indoors (yes, people are still trying this!)
  • Obey local laws. If fireworks are not legal where you live, do not use them.
  • Avoid using homemade fireworks or illegal explosives.
  • Always have water on hand ready to douse a fire!

The insurance professionals at All Nevada Insurance hope that you and your family have a safe and fun 4th of July celebration! When you’re looking to secure your insurance policies so that you have the proper protection in place, contact us in Las Vegas, Nevada today.

Homemade Hummus Fit for Any Fourth of July Celebration!

Posted on by TheSph3r3
Fourth of July Recipe

This healthy, filling, and easy-to-make dip is ideal for your backyard celebration.

The fourth of July is almost upon us, and while you have plenty of barbecuing foods chilling in the fridge, have you thought about the starters? While many backyard barbeque parties are full of grilled food and beer, many guests find the small snacks and samplings are ideal while waiting for the grill to heat up.

Before you stock up on some cheap and calorific sauce, check out this easy recipe for making homemade hummus. Not only will it satisfy your guests until the grilling is complete, but it’ll have them asking you for the recipe.

Ingredients

  • 1 cup dried chickpeas
  • 1 tablespoon baking soda
  • 1/2 cup tahini (sesame paste), well stirred
  • 1/4 cup extra-virgin olive oil, plus more for drizzling
  • 1 clove garlic
  • Juice of 2 lemons
  • 1/2 teaspoon ground cumin
  • 1/4 teaspoon red pepper flakes
  • 1/4 teaspoon paprika, plus more for sprinkling
  • Salt
  • Pita bread and/or vegetable sticks, for serving

Directions

  1. Put the chickpeas in a strainer and pick through to remove any small stones; rinse well.
  2. Transfer the chickpeas to a large bowl and add 8 cups water; stir in the baking soda. Set aside to soak at room temperature for 12 to 24 hours.
  3. Drain the chickpeas and rinse well. Transfer to a large pot and add 10 cups water; bring to a boil and cook 5 minutes, then reduce the heat to low and simmer until the chickpeas are very soft, skimming off any foam from the surface, about 45 minutes.
  4. Reserve 1 cup of the cooking water, then drain the chickpeas and rinse under cold water. Transfer to a food processor and puree until smooth. With the machine running, add the tahini, olive oil, garlic, lemon juice, cumin, red pepper flakes, paprika, 1 teaspoon salt and the reserved cooking water; puree until smooth and creamy, about 5 minutes.
  5. Transfer the hummus to a bowl, drizzle with olive oil and sprinkle with paprika. Serve with pita bread and vegetables!

The insurance professionals hope that you and your family have a fun and safe Fourth of July! Contact our trusted agents in Las Vegas for all of your Nevada insurance needs.