How to determine whether your car is a classic or not

For many people in Las Vegas, NV classic car is a special, rare, expensive, and unique car. However, many car experts and insurance companies define classic car insurance based on age. Most insurance companies look at various car characteristics to check whether it qualifies to be a classic or not. If you have an old vehicle that you think is worth being classic, learn how All Nevada Insurance Inc. qualifies classic cars. 

All about age

The simplest definition of a classic car is ‘old.’ Most states typically mandate that classic cars be older than 20 years but not above 40 years. The car must keep its original shape, both interior, and exterior, to qualify as a classic car.  That also means no modern touches should be added; For example, you cannot add a built-in GPS or MP3 player. 

Test of time 

Classic cars have to earn their name by remaining in good condition throughout those years. Remember, classic cars only qualify to be classic if they’re older than 20 years and have not been modified in any way. Your insurance agency in Las Vegas NV will also need to look at the engine, mileage, and body to ensure that nothing has been replaced, including the color. 

Value

The main difference between classic cars and modern cars is the value. While they can be costly to buy, classic cars can be cheaper to insure as they appreciate in value. Modern cars depreciate in value which makes them expensive to insure. In most cases, you will need to agree on the car’s value and keep updating the policy based on these values. 

 Thinking about classic car insurance? Let All Nevada Insurance Inc help you find a unique policy just for you. Feel free to call or book an appointment, and we will be happy to help. 

Do I need recreational insurance for my ATV?

Those living in Las Vegas, NV have plenty of opportunities to get out and enjoy the great outdoors. With so many open areas surrounding the city, residents can get out and explore on their ATVs. However, before heading out to ride your ATV, ensure everything is in place to keep everyone safe and protected. 

If needed, call our agents at All Nevada Insurance Inc to discuss recreational insurance coverage options and go over your policy details. 

Do I Need Recreational Insurance for my ATV?

ATVs are popular for those looking to seek outdoor adventures. However, they are also used on farms and for everyday work. Therefore, depending upon the ATV’s purpose, owners should seek appropriate insurance. For example, if the ATV is only used on the weekend, recreational insurance may offer all the coverage needed. 

ATV Insurance Options

It is possible to customize motorcycle insurance. Do some homework and understand the different insurance options available. Standard recreational insurance options for an ATV include liability, collision, gear protection, and multiple policy benefits discounts. 

Additional ATV Coverage

It is possible to customize ATV insurance policies to meet individual rider needs. Personalization options include add-on coverage, medical expense coverage, uninsured/underinsured motorist coverage, and trailer coverage. 

Do Not Rely on Other Insurance Policies

Chances are you have other insurance policies, such as auto and homeowners. Though they offer some coverage for your ATV, they do not replace the peace of mind you will get from having an individual recreation policy. Your ATV insurance coverage will provide you with protection where auto and homeowners insurance cannot provide coverage. 

Las Vegas, NV residents work hard and should be able to play hard too. Being able to get out and play includes getting out and enjoying time riding their ATV without worrying if they have enough insurance coverage. Call our agents at All Nevada Insurance Inc to discuss ATV insurance options and the many benefits of having recreation insurance. 

Recreational Vehicle and Camper Safety

Summer is here, and it is time to get the RV out and start exploring. As others take to the roads for summer travel from Las Vegas, NV, it is essential to ensure you stay safe while traveling. There are several things to do to ensure you are safe in your recreational vehicle or camper. All Nevada Insurance Inc. experts are ready to answer your questions regarding coverage for you during your travels. 

If you plan on heading out this summer in your RV or camper, here are some tips to keep you safe: 

Practice Driving

If you are new to driving your RV or have not been out driving in it for a while, it is a good idea to get some practice in. Driving an RV does not move the same as a car. So take time to practice driving and parking your RV to help prepare you for the open road. 

Prepare for Breakdowns

Being prepared in advance for the chance your RV or camper may break down while on the road is the best way to ensure your safety should something happen. The best way to prepare for a breakdown is to sign up for some form of roadside assistance through your insurance company. Roadside assistance will help you if you need to be towed or need some form of service any time of the day or night. 

Create a Safe Space

As you travel, you want to make sure you are safe in your home-away-from-home. Before going to bed for the night, make sure all doors and windows are locked. To ensure privacy, pull down all the blinds and close the curtains. Should someone knock on your door late at night, do not open it.

In addition to staying safe in your RV, you want to make sure you have the necessary insurance coverage in Las Vegas, NV. Call our specialists at All Nevada Insurance Inc. for help insuring your RV or camper.

Are Motorcycle Owners in Las Vegas Always Obligated to Get Motorcycle Coverage?

When you are in the Las Vegas, NV area and want to find a new mode of transportation, investing in a motorcycle can be a good option. Those that have motorcycles will be able to enjoy the warm weather and sun that is frequent in this area of the state. While you can have a lot of fun on your own motorcycle here, it is also important that you have insurance. There are a few reasons why the typical owner here will be obligated to carry this insurance.

Insurance Gives Liability Protection

A key reason that you will need to carry motorcycle insurance is that it will offer you liability protection. If you are going to operate a motorcycle, you will want to know that you have support to cover damages in an accident. With liability insurance, you will have this support. Additionally, drivers in this state are required by law to carry liability coverage at all times.

Lenders Require Coverage

You may also be required to get motorcycle insurance so you can comply with lender requirements. A lot of motorcycle operators will take out a loan when they buy their motorcycle. If you do have a loan outstanding, the lender will require that you carry collision and comprehensive protection at all times until you have paid off the full loan balance. 

If you are going to get a motorcycle in the Las Vegas, NV area, having the right insurance continues to be a necessity. As you are looking for a plan here, you should speak with the team at All Nevada Insurance Inc. There continue to be many great reasons to get this insurance coverage and All Nevada Insurance Inc. can help you choose a plan that is ideal for your situation. 

Classic Car Insurance Options in Nevada

A classic car is not just any car, it is an older model that has been restored and meets certain requirements. In the state of Nevada, to be considered a classic car, the vehicle must have been manufactured at least 20 years before the date in which you apply to obtain a classic car designation. You can apply for classic car insurance for your vehicle if it is considered a hot rod, a vintage military vehicle, a luxury or exotic car, an antique car or truck, or a muscle car. The insurance agents at All Nevada Insurance Inc. in Las Vegas, NV can assist you in determining the needs of your classic car.

While most people know that the value of other vehicles decreases pretty much as soon as you drive it off the car lot, that is not the case with classic cars because they actually increase in value over time and as you do more restoration on them. Your classic car insurance agent will face the amount of insurance on the actual cash value of your vehicle since it will change over time.

Coverage Options

Classic car insurance provides the minimum liability coverage that is required by the state of Nevada for all drivers, so you can drive it to an event or car show. It will also cover your vehicle through a more comprehensive policy that will help to repair or replace it if the classic car is damaged due to some sort of event, such as a fire or vandalism. It will also cover your classic car if it is damaged or destroyed by a natural disaster or if it is stolen. Classic cars are not meant to be driven on the road for everyday purposes but only to special events.

To obtain an insurance policy for your classic car, contact the classic car insurance agents at All Nevada Insurance Inc. in Las Vegas, NV to assist you. Call today for an appointment to get your policy started.

Why Get Recreational Insurance?

Individuals who own campers and other off-road vehicles in Las Vegas, NV tend to shy away from recreational insurance. They feel that they do not necessarily need the coverage, and instead, they opt for auto and homeowners insurance to protect their recreational vehicles.

Recreational insurance can be a bit complex, but it does not have to be with the assurance of All Nevada Insurance Inc. We are experts, and we will take you through the requirements and help you select the best coverage to suit your needs.

Do You Need Recreational Insurance?

Recreational insurance requirements vary from one state to the other. However, you are required to have liability coverage if your recreational vehicle is a motorhome. You may also need it if you wish to lease or finance the car.

If you have a class A or B RV, you must have minimum liability insurance. If your car is towed behind an SUV or track, having liability coverage is optional.

Can You Attach Your RV to Home or Auto Insurance?

You can include your RV in your auto or home insurance policy. Nonetheless, the idea comes with some drawbacks. For example, if you attach your RV to your home policy, the vehicle will not be protected while on the highway. The RV will not be eligible for insurance coverage through home insurance if you wish to take off for interstate trips.

Homeowner’s insurance will only cover your RV if an accident happens on your property.

A recreational coverage plan attached to your auto insurance may cover;

  • Bodily injuries
  • Medical payments
  • Property damage
  • Personal injury coverage

The standard auto insurance does not include recreational liability coverage, which is a requirement before getting on the road.

Contact Us for Recreational Insurance Quote

Our insurance professionals at All Nevada Insurance Inc. understand recreational insurance requirements in Las Vegas, NV, better than you do. Contact us for guidance and let them help you choose a policy that will meet our needs.

Why should I get a motorcycle insurance policy?

People that live in the Las Vegas, NV area may dream of cruising down Las Vegas Boulevard on their very own motorcycle. If you do want to own a motorcycle here, it is important that you spend time thinking about your insurance needs. There are a variety of reasons that someone here should get a proper insurance policy.

Insurance is Required

A reason that a lot of people should get a motorcycle insurance plan is that coverage is required. When you want to use your motorcycle anywhere in the city limits, you are going to be obligated by law to carry a liability motorcycle insurance policy. Further, if you have a loan outstanding, your lender is going to require that you maintain full coverage at all times. By getting proper motorcycle insurance coverage, you will stay in proper compliance. 

Insurance Offers Peace of Mind

You should also get motorcycle insurance because it will provide you with peace of mind. There is always going to be a risk that you could cause damage in an accident or incur a loss if your motorcycle is damaged or stolen. Without a proper motorcycle insurance policy, this risk could be on the back of your mind at all times. Fortunately, when you get a proper insurance plan, you will know that you are covered. This will help you relax and simply enjoy your motorcycle. 

Picking the right motorcycle insurance policy in the Las Vegas, NV area is very important. When you are shopping for insurance here, it would be a good idea for you to call All Nevada Insurance Inc. The insurance professional with All Nevada Insurance Inc. understanda the unique needs that owners have. They can then help you build a policy that gives this appropriate protection. 

Do I need RV insurance in Las Vegas?

When you are in the Las Vegas, NV area you are going to have immediate access to a lot of exciting recreational options in the great outdoors. If you want to be able to see the sights and also have a comfortable place to relax when you are not on the road, getting your own RV can be a great option. Those that do buy an RV will need to get proper insurance for it. There are a few reasons why you will need to get this. 

Insurance Protects You and Your RV

A key reason that people should get an RV insurance plan is that it is a great way to protect yourself and your RV. When you drive an RV there is a chance that you could cause damage in an accident. Not only will you have to pay to repair your own RV but you will need to cover damages incurred by the other party. With a full RV insurance plan, you are able to offset this risk.

Insurance is Required

You will also want to get an RV insurance plan as it is required. Many people will be required to get RV insurance if they have taken out a loan to buy the RV. Further, to drive your RV legally in Nevada, you need to have an appropriate liability insurance plan in place. With a full RV insurance plan, you will know that you are covered.

If you would like to get RV insurance in the Las Vegas, NV area, it would be wise to call All Nevada Insurance Inc. When you do call All Nevada Insurance Inc. you can learn a lot about your different options. The team here can help you build a plan that will work for you and your situation.

Does My Classic Car Need Special Insurance?

Classic cars or hobby cars are not only a fun, exciting way to spend your time, but they can also be a great financial investment. Classic car enthusiasts are delighted with the added value which their hard work brings to a classic vehicle. However, with this added value comes a need for added protection. At All Nevada Insurance Inc, serving Las Vegas, NV, we know that in order to make good insurance decisions, you need good information. Keep reading to find out what you need to know about classic car insurance. 

Is Traditional Auto Insurance Good Enough For My Classic Car?

The answer is yes and no. Traditional insurance will cover your classic car and will enable you to legally operate your vehicle on the open road. The problem with traditional auto insurance, though, is that the system which is used to value a vehicle is not appropriate for a classic car. Traditional auto insurance values a vehicle based on its make, model, and condition. The value of a classic car is determined based on other factors. 

This means that you will not be able to get a traditional auto insurance policy that will cover the true value of your vehicle. 

What Does Classic Vehicle Insurance Cover?

An insurance policy for a classic vehicle will provide many of the same types of coverage as a traditional auto policy, however, your insurance representative will sit down with you to determine the value of the car. This is a crucial aspect of your insurance policy. In order to get the best protection, it is necessary to have an accurate value on the car. 

If you would like to learn more about classic car insurance, please contact our office at All Nevada Insurance Inc, serving Las Vegas, NV. We will be happy to answer your questions today. 

A Short Guide to Recreational Insurance

Do you own an RV, ATV, camper, or other off-road vehicles in Las Vegas NV? If not, are you thinking about getting one of these recreational toys? If so, you’ll need recreational insurance, but you may be asking yourself what that is and what it covers. Read on to learn more about this type of policy, put together by All Nevada Insurance Inc.  

There is some confusion around recreational insurance, but let’s clear that up now. Recreational insurance covers just that – those vehicles you use for recreation but can be insured through an existing auto or homeowner’s policy. 

Recreational Insurance through an Auto Policy

Purchasing a recreational insurance policy through your auto insurance is an easy way to secure a policy. This plan covers any physical damage to your ATV, RV, or other recreational vehicles. It will also pay for the worth of the vehicle if it should become lost or stolen. To cover other costs, like vandalism and damage caused by mother nature, you can opt for full coverage. If an accident were to occur, this policy would cover bodily injury, personal injury, and medical payments as well. 

Recreational Insurance through a Homeowner’s Policy

In general, you can purchase a recreational policy through your homeowner’s insurance when the vehicle, such as a camper, does not go on the public highway. This excludes any campers you take on road trips. Furthermore, this insurance plan covers general liability and medical bills and works similarly to any homeowner’s insurance policy where you would need to pay your premiums and file a claim if there is one. 

To learn more about purchasing a recreational insurance policy in Las Vegas, NV, contact the team at All Nevada Insurance Inc. Our friendly agents are standing by to help you find the best policy for a price you can afford.