Why Men Pay Higher Auto Insurance Premiums

Insurance is determined on hard facts and statistics, and unfortunately, some men are letting the male side down.

Men traditionally have been paying more for decades, although the gap lessens somewhat after age 25, it never fully closes.

Factors that price male’s auto insurance higher:

  • From 2000-2009, men were found to have been involved in 18 million more accidents than female.
  • In 2011, 71 percent of crash deaths were male victims.
  • Women wear seatbelts 27 percent more often than males.
  • Men are two times as more likely to drive with a suspended license.
  • Women receive 3.41 times fewer reckless driving tickets.

Typically, men are more likely to violate laws for speeding, passing, yielding, resulting in more accidents caused by men, therefore they pay a more expensive policy than women. Another way to look at this is that men are less compassionate drivers, so they are not as safe as women.

If you want to get scientific about the differences, men have more cones in their eyes while women have more rods. Rods provide stronger peripheral vision as well as the ability to see better in the dark, whereas cones give the effect of ‘tunnel vision’ so men may take the curve without hesitation, perhaps less carefully than women.

Although the cones and rods doesn’t explain the aggression factor that seems to be a large contributing factor to men, car accidents, violations, and higher insurance rates, some men have proven to be more defensive about their vehicle, seeking control on the roads. They also rack up around 61 percent of the total miles in the country. Statistically speaking, if they drive more, the more at risk of accidents they are. Of course, not all men are to blame for accidents, and insurance providers do look into driving history when determining insurance price.

Be sure to contact All Nevada Insurance in Las Vegas, Nevada for a reasonable auto insurance policy and price, whatever your gender!

Life Insurance For The Military

More than 1.3 million Americans defend our country serving in the Army, Navy, Marines, Air Force, or Coast Guard.

Life insurance is particularly important for military personnel and their families, as the brave soldiers face both combat and dangerous travel. Life insurance aims to provide financial support for the family and loved ones when the insurance holder passes. This can cover funeral expenses, remaining debt, and additional costs, so that your family can focus on healing without being financially strained. Luckily, there are affordable and comprehensive policies that serve these military men and women.

There are two common types of life insurance: term, and whole life. Term life policies provide coverage for a designated period of time. If the policy holder were to die during the time of coverage, the beneficiaries would get paid a lump sum. The benefit of this insurance is that premiums are generally low and do not change over the course of a lifetime.

Whole life insurance is more complex. In a nutshell, theses policies pay a death benefit to survivors, can be used as tax-sheltered investment tools, and may be borrowed against while the policy is active. Premiums are more expensive and may vary on health factors.

If you are an active military member or retired veteran, there are exclusive options available to the armed forces. Injured or ill service members who do not qualify for insurance anywhere else may find a higher-priced policy from an insurance company that caters to the military. Young and healthy soldiers can lock in lower premium rates by taking advantage of health-based policies before illness or injury strikes.

Contact All Nevada Insurance in Las Vegas, Nevada, to find the correct life insurance policy for you and your family! As an independent insurance agency, we work alongside your needs and budget to select quality coverage!

Pests Affect Homeowners Insurance Policies

Unfortunately, infestations are more common than you think.

Insurance companies won’t be too willing to help you clean up the bug or insect infestation. They can be hard to detect with the naked eye, and the bugs can worryingly lay from one to five eggs a day, survive for months without eating, and are prevalent in all 50 states.

Infestations are not covered under homeowners insurance, and the responsibility for clean up falls under normal home maintenance. Some homeowners insurance policies will list animals and insects in the exclusion: bats, rats, mice and other rodents, bees, termites and moths, vermin, birds, fish, reptiles, insects and spiders. Unfortunately, this leaves you with getting rid of them.

Many policies do not cover infestations because it is incredibly difficult to determine costs of damage. Bed bugs get into the fabric of your belongings while mice and termites do damage to your home structure. The different pests, factors regarding behavior, patterns and lifespan make it difficult for insurers to arrive at policy terms and values that homeowners deserve. Damage values vary widely which mean it is impossible to place a cost to protect your home and belongings.

If you find that your home recipes are not killing off the bug population, then be sure to call the exterminators, and keep your insurance company in the loop. If the bugs severely affect your property, your home will decrease in value which will affect your policy.

Keep bugs at bay by keeping your home clutter free, clean, and dry. Ensure all access points are sealed and invest in yearly extermination. If you start seeing the critters, act immediately!

Ensure that you have the home protection that you deserve! Contact All Nevada Insurance in Las Vegas, Nevada, to find quality homeowners insurance for you and your family! As an independent insurance agency, we work alongside your needs and budget to select quality coverage!

Common Home Insurance Myths Debunked

Homeowners Insurance Facts

Even though homeowners insurance is one of the most common types of insurance policies, it is also one of the most misunderstood. Many people believe that once they invest in a home insurance policy, they are covered from any peril. Make sure that you know the truth about these common home insurance myths to ensure that you find the right amount of coverage for your needs.

  • Replacement cost – if any of your belongings are damaged or destroyed during a covered peril, the replacement cost clause in your home insurance policy will cover the cost to replace the item with a new model that has similar features, no matter what condition the item was in before the damage occurred.
  • Loss of use coverage – if you are not able to stay in your house while it is being repaired, your loss of use coverage will cover your costs to rent a hotel or apartment while your house is being fixed. Keep in mind that loss of use coverage has strict limits of how much your policy will pay for and for how long.
  • Floods – typical homeowners insurance policies will not provide any coverage for damage that is done to your house during a flood. Only a specific flood insurance policy will provide coverage. It is important to keep in mind that flood insurance policies have a 30 day waiting period before they will start providing coverage, so the sooner you invest in a policy, the sooner you will be protected.

When looking for the right homeowners insurance policy to properly protect your house, contact All Nevada Insurance in Las Vegas, Nevada. As an independent insurance agency, we will work with you to make sure that you have the coverage that you deserve, all at the right price to fit your budget.

Cover Your Assets With The Right Umbrella Insurance Policy

Umbrella Insurance Coverage

Just like an umbrella will provide protection for inclement weather, a personal umbrella insurance policy will provide coverage for any disastrous situations that you find yourself in. The additional liability protection that is provided by an umbrella insurance policy will help to ensure that you are not left financially devastated after one incident. Keep these tips in mind to help you find the right policy that will fit with all of your needs.

  • High coverage – in order to qualify for an umbrella insurance policy, many companies will require that you carry high coverage limits with your existing auto and homeowners insurance policies.
  • High deductible – when you invest in a personal umbrella insurance policy, your overall insurance costs will increase. By raising your deductible, you will be able to lower your monthly premium costs. Just make sure that you choose a deductible cost that you can afford at any time.
  • Compare policies – one of the best ways to ensure that you are getting the right price for your umbrella insurance policy is to compare policies. Working with an independent insurance company can help to make this much easier since they will do the comparison shopping for you.
  • Bundle – bundling your umbrella insurance policy with your other existing policies, such as your home and auto insurance can help you save money since you are investing in multiple policies with the same company.
  • Think of your toys – if you own any toys, such as a snowmobile, boat, or motorcycle, you will need separate insurance policies for each item, as well as your umbrella insurance policy to ensure that you have the right amount of coverage.

For all of your insurance needs and to make sure that you have the coverage that you deserve, contact the independent insurance professionals at All Nevada Insurance in Las Vegas, Nevada.

Check Out These Community Events This Month!

September Local Events

What are your plans for September? As the temperatures start to drop for fall, it is the perfect time to start looking for local events that you can take advantage of with your whole family. Mark your calendar for these local events this month.

On September 12th, head out to the Community Counseling Center for Bite at the Museum 5: CCC’s 25th Anniversary Gala. This event offers participants a unique opportunity to explore various museum artifacts and exhibits before enjoying some of the most delicious food that Las Vegas has to offer. Bite at the Museum also includes an awards ceremony that showcases businesses and individuals that have helped to shape the Community Counseling Center.

If you are looking to make the most of the delicious produce that is available during the summer, then you will not want to skip any of the local farmers’ markets. There are plenty of markets to enjoy in the community, including:

  • Las Vegas Farmers Market at Bruce Trent Park on Rampart Blvd. every Wednesday from 4 p.m. until 8 p.m.
  • Las Vegas Farmers Market at Gardens Park on Gardens Park Drive every Thursday from 4 p.m. until 8 p.m.
  • Las Vegas Farmers Market at Floyd Lamb Park at Tule Springs every first and third Saturday of the month from 10 a.m. until 2 p.m.

All of us at All Nevada Insurance in Las Vegas would like to invite you out to enjoy these local events with all your loved ones.

Keeping Your Business Safe From Theft

Business Theft Prevention

No matter the size of your business or what type of business you run, you are vulnerable to criminal activity, including theft. While most business owners only consider burglary as the main theft threat, your employees can also be a source of theft. Knowing how to protect your business and assets from both internal and external theft threats can help to ensure your success. Keep these theft prevention tips in mind to keep your company safe.

  • Sound the alarm – investing in an alarm system is one of the best ways to prevent an outside thief from making their way into your business. There are many types of alarms that are available, from a standard security alarm to a full-service alarm system that includes motion detectors and window sensors.
  • Turn on the lights – burglars are much more likely to attack a business that is in the shadows since they will have more places to hide. Install outside sensor lighting, as well as emergency lights inside your business to keep your company well lit.
  • Lock up – having strong doors and locks is one of the best defenses. All of your exterior doors should have steel frames and deadbolts to help prevent burglars from making their way inside.
  • Uncover employee theft – the more processes that you have in place to uncover any insider thefts, the better. Frequent audits are one of the best ways to make sure that any issues are caught as soon as possible. You should also establish a process to allow employees to report any crimes that they see without fear of reprisal.

Investing in the right business insurance policies can help to make sure that your business is protected from any unfortunate situation. Contact All Nevada Insurance in Las Vegas, Nevada for all of your commercial insurance needs.