Month: July 2014

Reasons for Increasing Auto Insurance Rates

Posted on by TheSph3r3

Las Vegas is well known for its high auto insurance rates. While not all of Nevada has high rates, Las Vegas is usually ranked as the in the top 25 highest priced areas. There are many factors that lead to the high prices of auto insurance in the city, including:

  • Vehicle values and repair costs. The cost for labor and parts to repair a vehicle has risen with the inflation of the economy, which makes them much more expensive to repair.
  • Fixed insurer expenses. All insurance companies have set operating expenses, including utilities, payroll, and office expenses. They cover these rising costs by raising insurance rates.
  • Regional claim results. Rates for insurance policies increase regionally based on the overall amount of claims in the area, so the more accidents there are in an area, the higher the rates.
  • Changes in rating factors. There are many factors that will affect the cost of your rates, including your credit score and educational factors. While these factors change, so does your insurance rate.
  • Medical bills. Injury claims are usually the most expensive aspect of an accident, and the amount it costs to settle them each year dramatically increases.
  • If you start driving more miles. The more miles you drive, the more likely you are to be involved in an accident, which raises the amount of your auto insurance.
  • You turn 50. While you may think that turning 50 means that you are a more experienced driver so your insurance rates would be lower, the opposite is true. The older your get, the more likely you are to get into an accident, raising your insurance rates.

For all of your auto insurance coverage needs in the Las Vegas area, contact All Nevada Insurance. We have over 70 years insurance experience, and strive to provide our customers with the best insurance protection.

Las Vegas Food and Wine Festival

Posted on by TheSph3r3

Vegas is widely known for its world-class restaurants and chefs, making it the perfect location for the Wine and Food Festival. The festival is being held on September 5th and 6th and the Red Rock Casino, so make sure to mark your calendars. The fun and exciting two day event offers every extravagance you want out of a food and wine festival, all within your reach.

The festival will offer the finest cuisine and spirits that Las Vegas has to offer. As a celebration of the senses, there will be plenty of delicious food by some of the locally renowned celebrity chefs. There will also be sensational spirits to taste, all against the beautiful backdrop of the Red Rock Casino.

The Wine and Food Festival is the perfect location to taste some of the most delicious wines from around the world, while enjoying decadent food from some of the finest chefs in the world. With many food choices to please any palate, everyone is sure to love every dish that they try, and be sure to go back for more.

Last year’s festival sold out in two weeks, so make sure to get your tickets for the spectacular event before they are gone. General admission tickets for one day of the event start at $75, with VIP tickets available for $100. There are also VIP cabanas available both days of the event, for $1,500 a day.

All proceeds from the event will be donated to a charity in the area.

All Nevada Insurance would like to invite you to the Wine and Food Festival, and remind you to contact us with all of your insurance needs throughout Nevada.  We have over 70 years insurance experience and we are dedicated to ensuring our clients have the most comprehensive insurance coverage that fits into their specific lifestyle.

Water Conservation Tips

Posted on by TheSph3r3

Las Vegas and the surrounding areas are suffering the effects of the long drought. The drought is expected to deplete the water levels in Lake Mead to levels not seen since the completion of the Hoover Dam. The lake is under 1,082 feet, which was the record for the lowest level in 2010, and expected to drop even further.

You can do your part to help save water in the drought by following these simple tips.

  • Avoid over-watering. The desert soil is not able to absorb large amounts of water, so practice the cycle and soak method of watering. This means setting sprinklers to water your grass 3 times a day, for 4 minutes at a time, with one hour in between each watering cycle.
  • Fix any over spray problems. Make sure to turn your sprinklers on after mowing your lawn to ensure that none of the sprinkler heads were moved to spray in the wrong direction, wasting water.
  • Look for leaks. Look for areas of your yard that are more green or wetter than the other parts, which usually indicates a leak. Make sure to fix any leaks as soon as they are found.
  • Upgrade your appliances. Replace all of your old appliances, such as dishwashers and clothes washers, with new, water saving models. Many areas also offer rebates for buying water saving appliances.
  • Turn off the faucet. Simply turning off the faucet while you brush your teeth or shave can save up to 10 gallons of water a day.

For all of your insurance policy coverage needs in Nevada, contact All Nevada Insurance. . We have over 70 years insurance experience and strive to provide all of our customers with the most comprehensive insurance policies to best fit their lifestyle, all at the right price.

What to do if Your Car is Overheating

Posted on by TheSph3r3

Driving in the hot summer weather makes your car more susceptible to overheating. While you cannot avoid driving in the summer, it is important to know what to do in case your car starts to overheat. Follow these tips this summer if your notice your car is starting to overheat.

  1. Pull over. As soon as you see your temperature gauge start to move to the hot side, pull over as soon as you can. If you notice smoke coming from the hood, stop immediately.
  2. Open the hood. Opening the hood of your vehicle will allow all of the heat to disperse faster than if you keep the hood closed.
  3. Wait for the radiator cap to cool. Opening the radiator cap while it is hot can lead to steam and extremely hot radiator fluid causing severe burns.
  4. Check the reservoir tank. Check to see if there is the proper amount of coolant in your car. If you need to add more, only add enough to fill it up to the highest mark. While it is best to add coolant, you can add water if you do not have any coolant.
  5. Look for leaks. Check the core plugs in the engine block, and radiator for any signs of leakage. If you are unsure what to look for, make sure to take your vehicle to a mechanic.
  6. Determine if the car is safe to drive. If the cause of the overheating was just because the coolant was low, as soon as you add more, you can drive your car. If there was no coolant, do not drive the car since you can easily cause severe damage to the vehicle.

Most importantly, make sure you have the proper auto insurance from All Nevada Insurance to protect you and your vehicle from any situation.

Fun August Events in Las Vegas

Posted on by TheSph3r3

With August just around the corner, it is a good time to start planning for all the fun and exciting events that are going on next month. Make sure to check out these events in August.

  • Dave and Mohoney’s Beer Bash and Food Truck Fest. On Saturday, August 4th, the 2nd annual Beer Bash and Food Truck Fest will take place at the South Point Hotel and Casino. The event will be centered on the pool and will feature Patron margaritas, DJs and gourmet food trucks from both Vegas and California.
  • Movie Madness in North Vegas. Free movies will begin at dusk twice in August. The Muppets will be shown on August 10th, and Puss N Boots will be shown on August 31st. Vendors will be onsite starting at 6:30 p.m.
  • Rock of Vegas Free Summer Concert Series. The theme of the concert series this year is 80’s hair metal gods and will feature Bret Michaels on August 4th, and Survivor on August 18th.
  • Botanical Gardens Tour at Lake Las Vegas. Each Saturday of the month, join in one of the tours of the botanical gardens in Henderson starting at 9 a.m.
  • Jazz on the Lake. Free Saturday night concerts on Lake Las Vegas will feature local and regional jazz artists. The shows will start on August 4th with Rick Arroyo, and run through August 25th.
  • Pet Adoptions by the Animal Foundation. If you are looking for a new furry friend, visit the Tivoli Village on the last Saturday of August from 11 a.m. until 2 p.m.
  • Wine and Music for Miracles. On Thursday, August 9th, the Wine and Music for Miracles will be held at UNLV’s Richard Tam Alumni Center from 6:30 p.m. to 8:30 p.m. This is a charity event that benefits Miracle Flights for Kids and will feature live music, hors d’oeuvres, wine, and cocktail.

All Nevada Insurance invites you to check out all of these fun events this August and contact them with all of your insurance needs.

Unexpected Activities in Vegas for Locals

Posted on by TheSph3r3

It is no secret that Las Vegas is one of the largest tourist destinations in the world. If you live in Vegas, you may get tired of all the usual activities that are available to everyone. Make sure to check out these 4 exciting things to do in Vegas that most people do not know about.

  1. Play with dolphins. The Mirage hotel allows guests to be a dolphin trainer for the day. Along with a trained dolphin trainer, people can work with dolphins and learn about their behavior. There is also a “Painting with the Dolphins” activity, where guests can use watercolors to create a masterpiece of one of the dolphins. For those who are looking to relax a little more, the spa offers yoga with the dolphins, where you can stretch in a special viewing area with windows looking into the habitat.
  2. Swim with sharks. Mandalay Bay allows scuba certified guests to jump in with the predator-based aquarium and swim with different species of sharks, including Sandbar, and Nurse Sharks. Along with the wetsuit, divers are also completely covered in chainmail anti-shark suit.
  3.  Learn to be a sommelier. The Bellagio offers a sommelier wine, mixology, and cooking class for those who enjoy the finer dishes in life. Guests will learn all about eight specific wines and learn to make delicious dishes that pair well with the wine.
  4. Visit unique museums. There are many different museums throughout Las Vegas where you can learn all about the history of the city. From The National Museum of Organized Crime and Law Enforcement, also known as the Mob Museum, to the Children’s Museum, there is plenty to visit and learn about. The Neon Museum, which is a walkthrough museum, features different neon signs that tell the history of the city.

For the most comprehensive insurance policies in Las Vegas and throughout Nevada, contact All Nevada Insurance.

The Best Road Trips to Take This Summer

Posted on by TheSph3r3

While Las Vegas is a favorite summer destination, with all of the fun and excitement that is offered in the city, some people like to spend their summer at a slower pace. Road trips are one of the best ways to see the country and spend time with loved ones. Consider these 4 routes this summer to enjoy the beauty of the country.

  1. Volcanic Legacy Scenic Byway. This road runs all the way from Oregon’s Crater Lake National Park to California’s Lassen Volcanic National Park. Make sure to block out an extra two to five days to enjoy all that the road has to offer, from lakes and mountains, to wildlife and charming small towns. Mount Shasta, which is the country’s second highest volcano, is along the way as well.
  2. Redwood Highway. The highway through California features views of the ocean, lagoons, and beautify Victorian homes. The north end of the route features Standish-Hikey State Recreation Area is a 1,000 acre forest of redwoods, maples, oaks, and Douglas fir trees. The Eel River is also in the forest, and is the perfect place to stop to swim or fish for salmon and steelhead trout.
  3. Strait of Juan de Fuca Highway. This is the perfect trip for anyone who enjoys Native American history. This highway runs along the Washington shores of a glacial fjord that connects Puget Sound to the Pacific Ocean. There are plenty of chances to learn about Native American history while visiting the Makah Indian Reservation and Makah Cultural Museum.
  4. Red Rock Scenic Byway. This Arizona road offers something for everyone, from beautiful views of red rock and monoliths, to public golf courses and different hiking trails. The byway also features Arizona’s Coconino National Forest and Courthouse Butte, which is popular with many mountain bikers.

Before heading out on your road trip this summer, make sure to contact All Nevada Insurance to make sure you have the proper auto insurance coverage to fit your needs.

Protecting Your Motorcycle form the Desert Heat

Posted on by TheSph3r3

The warm summer weather is the best time to take your motorcycle out and enjoy all the beauty of the Mojave Desert. While driving through the desert, there is a possibility of the sun, wind, and dust damaging your bike. Make sure to follow these tips to avoid any damage to your motorcycle.

When it comes to the engine:

  • Avoid air-cooled bikes. The hot air of the desert does not allow for proper cooling of the engine.
  • Look for water-cooled bikes. These options are becoming more and more common and are a better option when riding in hot weather.
  • Avoid panheads and shovelheads. Older models of bikes, pre-1965, have less durability than new models. Parts to repair them are also much scarcer.

When it comes to the climate:

  • Protect your tires. The arid climate and the sun’s rays can damage tires. Make sure to regularly inspect tires for cracks and dryness and treat them with rubber protectant to keep them supple.
  • Carefully store your bike. When you are not riding your bike, make sure to store it in your garage to protect the paint.
  • Protect the leather. Regularly use leather conditioner on any leather that is on your bike, such as saddlebags and other accessories.

When it comes to riding habits:

  • Remember your battery. If you do not ride your bike year-round, check the battery of your bike. While you store your bike, use the trickle charging method. The slow charging will keep your battery alive while your bike is not being ridden.

It is also important to make sure you have the right motorcycle insurance to protect your bike in any weather. Contact All Nevada Insurance. We can help ensure you bike is protect from any damage that may occur while riding in the hot, summer weather all throughout Nevada.