Top Ways to Prevent Rear End Collisions

Posted on by TheSph3r3
Prevent Rear End Collisions Las Vegas NV

Keep your rear safe with this accident-avoidance tips!

Rear-end collisions are the most common type of motor vehicle crash in the United States. The National Highway Traffic Safety Administration reports that these collisions, in which one vehicle strikes the back of another vehicle, represents nearly a third of all crashes.

To protect anyone from ploughing into the back of your vehicle, we’ve composed a list of the top tips to prevent a rear end collision!

  • Maintain a safe following distance
    Whether you’re on highways, city streets, or rural roads, it’s important to keep a safe distance between your car and the car in front of you. That way, if the car in front of you brakes, you have time to stop safely without hitting them. If in doubt, leave three seconds of space between you and the car ahead!
  • Increase your following distance when necessary
    Depending on road conditions, three seconds may not be enough. This includes: driving on slippery roads, driving in low visibility, being tailgated, following a large vehicle, and following a vehicle that may stop frequently. Increase your following distance in these cases!
  • Be aware of your surroundings
    From turning vehicles, merging vehicles, accidents, debris on the road, and speed changes, be sure to stay focused on road conditions ahead and to your sides and behind you! Check your mirrors often, avoid driving in another driver’s blind spot, and always indicate to other drivers where you are turning.

Being a victim of a rear end collision is always unpleasant, but being involved in an accident without sufficient auto insurance coverage is financially troubling. Secure your auto insurance policy with All Nevada Insurance, serving Las Vegas and the surrounding areas in Nevada!

How to Budget for Car Insurance

Posted on by TheSph3r3
auto insurance las vegas nevada

Your auto insurance coverage doesn’t have to cost an arm and a leg!

Budgeting is often in everyone’s books. After all, one should determine if they can afford that new TV once the monthly bills are paid.

When it comes to auto insurance premiums, motorists aim for high coverage and low monthly bills. Sometimes unique circumstances, such as owning an expensive car or having a high number of accidents or tickets on your driving record may require you to pay more money to insure your car. If this is the case, remember one thing: you always have options! Affordable auto insurance is no myth!

Use these tips to create a budget and prepare for the cost of auto insurance!

  • Create a budget: Write (or type) out your budget of incomings, outgoings, and a desired amount to spend on your insurance policies. A visual representation will mean that you can focus on your finances accurately.
  • Add up expenses: Include rent, mortgage, car payments, insurance premiums, utilities, cellphone, credit card, gas, food, and any other monthly outgoings. Totaling recurring expenses allow a good insight into how much extra money you’re spending that you should be saving instead.
  • If the sum of all of your expenses adds up to more than what you’re bringing in, consider some cuts. Go down your list and eliminate any unnecessary expenditures. After securing enough funds to pay for the roof over your head, your car and insurance, food, utilities, and medical expenses, leave a small percentage for “fun” and put the rest into savings!
  • Consider paying your six-month car insurance premium in one lump sum: Although this sounds counterintuitive, you may save you money! In many cases, opting to spread the coverage out to monthly payments increases the cost by a small but potentially significant amount.
  • Look for discounts within your insurance: If you’re in school or have a teenager in school, you may be eligible for a Good Student Discount. If you’re a good driver, there is a Good Driver Discount. Ask your insurer if there are any discounts that apply to you.

Skip the search of trolling through the internet looking for affordable auto insurance in Las Vegas, Nevada. Contact the insurance professionals at All Nevada Insurance for a personalized, affordable policy!

Do My Roommates Need Renters Insurance If I Already Have a Policy?

Posted on by TheSph3r3
Sharing Renters Insurance Las Vegas NV

In a shared apartment, an insurance policy may not protect all of you.

Roommates are often the siblings we never asked for! While there are some roommates that share everything and are great friends, there are others who keep to themselves. Despite this, most roommates are similar when it comes to renter’s insurance. They think that if one of you holds a renter’s insurance policy, the coverage extends to the entire apartment and all of its contents.

That said, this is a costly misconception. Many renters are distraught to find that the policy only covers the people listed on the policy documents. Therefore, unless both roommates are listed on the insurance policy (or hold two separate policies), you’ll be left vulnerable to financial strain and loss of belongings, should a disaster strike.

For the basics on sharing a renter’s policy, read on:

  • A roommate does not have to be on the lease to be added to the policy!
  • A roommate must be added to the policy to receive coverage – or they must be a domestic partner, spouse, or member of your family.
  • Only two unrelated people can be on a single policy. Therefore, any additional roommates will need to buy a separate policy!
  • There’s no extra charge to add a roommate. It won’t change your premium, either. However, the price will increase if you add more valuables to the coverage. That’s okay, though, because you’ll likely be splitting the cost!
  • Theft by a roommate is not covered by insurance, whether they are on the policy or not.
  • If you ever file a claim, the check will be made out to both roommates (so be on good terms with him/her!).

Get started on your quality renters insurance policy by contacting All Nevada Insurance, serving Las Vegas and the surrounding areas of Nevada with complete coverage!

Safe Travels with RV Insurance

Posted on by TheSph3r3
Safe Travels with RV Insurance Las Vegas NV

Your recreational vehicle and belongings inside are valuable to you – protect them while on the road!

The quickest way to ruin a family vacation is for your recreational vehicle (RV) or the contents to get stolen. Not only does this leave you vulnerable and stranded, but it grinds your trip to a halt until the issue is resolved.

Here are some important basics that you should know to protect your belongings from theft:

  • Know your coverage: Contact your insurance agent to review your policy before you set off. Keep in mind that comprehensive coverage, collision damage, liability coverage, property damage, and campsite liability are all smart options!
  • List your belongings: Record your belongings with photos of each valuable item, and serial numbers of TVs and microwaves.
  • Calculate the value: Tally up the money that you paid for each item to know how much your items are worth. You’ll then have a better understanding of how much insurance coverage you’ll need.
  • Park safe: Be sure to research the campground where you intend staying. Evaluate the campground’s security by asking if it has gates, cameras, and 24-hour security. If the campsite is more secluded, be sure to park in a well-lit, visible area.

In addition, secure your RV with collision coverage to keep it on the road should you face an accident and liability protection, should someone be injured on your property and file a lawsuit. Protecting your vehicle and possessions is key to preventing financial strain during your travels!

Depending on the number of your valuables and the location of your vacation, you may want to take out additional coverage. At All Nevada Insurance, located in Las Vegas, Nevada, we provide all types of RV insurance so that you can travel with financial protection and peace of mind! Contact us today to get started.

Popped the Question Over Valentine’s Day? Insure Your Rock & Ring!

Posted on by TheSph3r3
Engagement Ring Insurance Las Vegas NV

Find out if you should protect your shiny, new addition!

Congratulations! Many couples choose to get engaged on the most romantic day of the year (ahem, Valentine’s Day) and celebrate their love and commitment for each other. It’s known that engagement ring sales hike up during the most wonderful time of the year. If you, or your loved one, now sports a prized ring on that certain finger from the Christmas or Valentine’s proposal, you’ll want to ensure that the rock is protected!

This year, say ‘I Do’ to engagement ring insurance! When purchasing the ring and budgeting for the big day, many brides and grooms-to-be overlook wedding and engagement ring insurance. Of course, that’s easy to do when planning for the big day! You have the dress, suits, flowers, venue, ceremony, favors, DJ, photographer and more to think about… What were we talking about? Right! Should you lose, misplace, damage, or have your precious ring stolen, valuable insurance can cover these repair and replacement costs!

For most young couples, engagement rings are among the most valuable items they own. Insurance can protect you from facing huge expenses (and an awkward conversation with your fiancé!) should your ring get damaged or lost.

I Do Take Thee Insurance
Dig for that receipt for the ring to tell your insurer the value of your precious piece which, in turn, allows for sufficient coverage to be applied.

If you’ve had your engagement or wedding ring for a while now, get it appraised! Don’t go on what you or your fiancé purchased it for! Precious metals and precious stones increase in value over time.

Runaway Insurance
Ring insurance can be purchased as an extension (or a “rider”) for your renters or homeowners insurance policy. However, these policies will only cover up to a certain limit. If your ring exceeds this limit, additional insurance will have to be purchased. This can then cover your ring if it’s lost, damaged, or stolen. For an extra couple of bucks a month, increasing your personal items coverage is worth its weight in gold!

Get started with your quality insurance to protect your new addition! Contact All Nevada Insurance for all of your Las Vegas, Nevada insurance needs!

Meatless Monday: Zucchini Lasagna Recipe!

Posted on by TheSph3r3
Meatless Monday Recipe

This veggie lasagna dish steals the spotlight!

Meatless Monday is an international movement, encouraging people everywhere to cut out meat for at least one day a week for personal and planetary health! Not only does it benefit the environment, animals, and our health, but it allows us to truly get creative and enjoy different vegetables, pastas, proteins, and more!

If you’re looking for a better Meatless Monday dinner than tomato soup and salad, try this zucchini lasagna!

Gather up:

  • 6 lasagna noodles
  • 1 medium onion, chopped
  • 2 teaspoons olive oil
  • 2 garlic cloves, minced
  • 2 cups water
  • 2 cans (6 ounces each) tomato paste
  • 2-1/2 teaspoons each dried thyme, basil, and oregano
  • 3/4 teaspoon salt
  • 3 medium zucchini, thinly sliced
  • 1 egg, lightly beaten
  • 1 carton (15 ounces) part-skim ricotta cheese
  • 2 cups (8 ounces) shredded part-skim mozzarella cheese
  • 1/4 cup grated Parmesan cheese

Directions:

  1. Cook noodles according to package directions. Meanwhile, in a large nonstick skillet, saute onion in oil until tender. Add garlic; cook 1 minute longer. Stir in the water, tomato paste, and seasonings. Bring to a boil. Reduce heat; cover and simmer for 10 minutes.
  2. Place zucchini in a large saucepan; add 1/2 in. water. Bring to a boil. Reduce heat; cover and cook for 5 minutes. Drain and set aside. In a small bowl, combine egg and ricotta cheese.
  3. Drain noodles. Place 1/2 cup tomato sauce in a 13-in. x 9-in. baking dish coated with cooking spray; top with three noodles. Layer with half of the ricotta mixture and zucchini. Top with half of the remaining tomato sauce and 1 cup mozzarella cheese. Repeat layers.
  4. Cover and bake at 375° for 25 minutes. Uncover; sprinkle with Parmesan cheese. Bake 5-10 minutes longer or until bubbly. Let stand for 10 minutes before cutting.

Do note that this freezes well, so go ahead and save some for your next Meatless Monday!

From All Nevada Insurance, we hope that you enjoyed this recipe! Be sure to contact us for all of your insurance coverage in Las Vegas, Nevada!