Auto Insurance

How to determine whether your car is a classic or not

Posted on by All Nevada Insurance

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. 

Does My Classic Car Need Special Insurance?

Posted on by All Nevada 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. 

Make sure your custom add-ons are covered by your auto policy

Posted on by All Nevada Insurance

Outside of our homes, our cars are probably the most significant investment that we make in our lifetime. A lot of people really do love their cars and find a lot of joy in personalizing them to meet their exact tastes and preferences. If you are this kind of car lover, it’s a good idea to make sure that you have the coverage that you need for the after-market changes that you make to your car. The team at All Nevada Insurance Inc. is here to work with you to find the right coverage for your Las Vegas, NV area vehicles.

Make sure your custom add-ons are covered by your auto policy

There are a lot of fine points included in most auto insurance policies that many people don’t read or understand. This is especially true if you make after-market modifications to your vehicle. In such cases, it is always best to take a proactive approach and make sure that any add-ons are fully covered. This knowledge of what is covered and what isn’t can help you decide on taking out additional coverage. A local agent who can work closely with you to find out the insurance coverage status for all of your custom work can come in handy if there is ever damage to your vehicle or it is stolen. Don’t wait until it’s too late to find out that your hard work isn’t covered by your current policy!

Don’t wait until it’s too late to find out that your customizations are not covered by your auto policy! The team at All Nevada Insurance Inc. is here to provide the insurance guidance that car lovers in the greater Las Vegas, NV area need. Call or stop by today!

When to File a Police Report After An Auto Accident

Posted on by TheSph3r3
When to File a Police Report After An Auto Accident

What you should know about filing a police report after a car accident.

After a car accident, however minor, it’s important to call the police and file an official police report. Although you may be more concerned about calling your insurer and filing a claim immediately, calling the police out to the accident scene can help to progress your claim than if you were to proceed without a police report.

When to File a Police Report

You should contact the police anytime you have a car accident. Even if you think the crash was fairly minor and no one is hurt, it is best to contact the police and let them decide if they will come to the scene. Sometimes there is more physical and medical damage later that is not always apparent at the time of the car accident, too. Having a police report on file will help to prove that the accident happened.

Why a Police Report is Important

In addition to providing documentation of the accident, the police report indicates an unbiased third-party report of the incident. This can be more effective as evidence than either driver telling their side of the story. Insurance companies will need the police report, and it will help your claim.

If you are the at-fault driver, it is still equally important to have a police report. In the event the other driver tries to fake an accident, having a police report on file can save you from becoming responsible for a fake injury.

Getting in Contact with the Police After the Accident

After the accident report is filed, make sure you get a card or direct contact information from the police officer who filed the accident report. Often after an accident, you may only remember additional details later and these details could be very important, especially if the car accident ends up in a lawsuit.

 

When you’re looking to protect your vehicle and finances, car insurance can help. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and car!

Why Your Auto Insurer Needs to Know These Things

Posted on by TheSph3r3
Why Your Auto Insurer Needs to Know These Things

Information to prepare when you shop for auto insurance.

Are you getting ready to shop for car insurance? If you are, then there are certain pieces of personal information that you should get ready. Not only does this save you time down the line, but by providing this information, you can also receive a more accurate quote. Here’s what you should prepare.

Your social security number. Although you’re not required to disclose your SSN just to get a car insurance quote, you may not receive an accurate quote if you refuse. A large influencing factor on how much you pay for auto insurance premiums depends on your credit, and insurers can’t calculate that number without running a soft credit check using your social security number.

Your vehicle’s identification number (VIN). Even though you may have already entered your car’s year, make, and model, your vehicle’s VIN gives insurers a more detailed picture of your car. Insurers will then know if your car has any specific features that could save you money, such as car alarms and side airbags. You can typically find your VIN on your vehicle’s dashboard near the windshield on the driver’s side.

Your annual mileage. It stands to reason that the more you drive, the higher the chance it is you’re involved in a car crash. If you put a lot of miles on your ride, you statistically pose a larger financial risk to your insurance company. As a result, you may end up paying more in premiums than someone whose car barely leaves the driveway.

Are you ready to find reliable and affordable car insurance? Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and vehicle!

Tips for Buying a Safe Car

Posted on by TheSph3r3
Tips for Buying a Safe Car

When buying a new car, look for these safety features.

If you’re in the market for a new car, you’ve been exposed to a wealth of new high-tech safety features that probably aren’t in your current car. Most cars come with standard safety features, but many cars on today’s market have additional safety features that help to protect your family and vehicle. Here are a few safety features to consider before buying your next car.

Automatic High Beams

This feature allows cars to sense when it’s dark enough and automatically make the brightest view forward. When a car is detected ahead, the car automatically switches the high beams off. This feature can help you when navigating dark and rural roads.

Lane Keep Assist

This feature takes lane-departure to the next level. It will subtly steer you back into the middle of the lane if it senses you drifting. Sometimes, these systems use subtle braking as well.

Blind-Spot Warning

This monitors your blind spots and alerts you to the presence of other cars. Should you try to make a lane change with someone in your blind spot, lights may flash and the car may provide an audible warning. This is a helpful system that ensures you do not steer into the path of others.

Automatic Emergency Braking

Should the driver not heed the audio and vision warnings, the car can apply the brakes automatically. Speeds at which the system operates depend on the car or version of the system. These have been proven to prevent or lessen the severity of crashes.

The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that fits the needs of your new vehicle and your budget! Located in Las Vegas, Henderson, and neighboring cities, contact us today.

Easy Ways to Make Your Fuel Go Further

Posted on by TheSph3r3
Easy Ways to Make Your Fuel Go Further

Here is how to increase fuel mileage on your car.

As gas prices continue to climb, increasing the fuel mileage is the best way to protect your wallet. While the rising costs of gas may not be under our control as motorists, we do have the option to use our fuel wisely. Not only does smart driving help us to save money at the fuel pump, but we can also better the environment by not consuming as many precious resources. If you’re looking for some fuel-saving tips that will save you money too, read on.

Limit Your Speed

Everyone seems to be in a hurry these days, including yourself. However, think about how much fuel you’re burning. If you limit your speed to 60 mph, you will gain the maximum fuel efficiency from your vehicle. Make sure you leave plenty of time for the journey in order to avoid stepping on the gas and using more fuel.

Plan Your Journey
Not sure where you’re going? Map it out! With technology, it’s easier than ever to get around. Avoid getting lost and wasting precious gas by turning down the wrong street.

Keep Your Tires in Check

Ensure that your car’s tires are set at the correct air pressure. Properly inflated tires can reduce fuel consumption by up to 3 percent. If you need to top them up, do so, and remember to check them every month.

Lighten Your Load

Weight is one of the biggest causes of loss of kinetic energy in non-hybrid cars. If you’re not shopping for vehicles, look to see how you can lighten your vehicle’s load. Remove items from the car that you don’t use regularly (be sure to leave the spare tire and car emergency kit in there, though!).

Buy Quality Fuel

Fuel that comes with discounts generally contains a higher percentage of ethanol. As a result, it burns faster. Good quality fuel, on the other hand, will cost you more but will take considerably more time to be consumed, giving you better fuel economy.

If you’re looking to protect your vehicle and save money, car insurance can help. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and car!

Do You Need Rental Car Insurance?

Posted on by TheSph3r3
Do You Need Rental Car Insurance?

Determine if you would benefit from securing rental car insurance.

When renting a car, it’s natural to think that you need insurance from the rental car company to protect your journey. While they may want to sell you auto insurance coverage with all of the added bells and whistles, it’s wise to first consider if you actually need insurance. Before you drive your rental car off the lot, here are a few basics you need to know.

Before you take out the rental company’s car coverage, you’ll want to see whether you’re already covered by your own personal insurance policy and credit card benefits.

Typically, there are four coverages available when you rent a car:

  • Loss-damage waiver: Covers you for liability if a car is damaged while you are renting it. If you don’t have this coverage, the rental car company could charge you for loss of use during repairs, as well as any repair and towing charges. If your primary insurer doesn’t cover these, you’ll need the waiver.
  • Liability coverage: Encompasses damage to any property as well as medical expenses for passengers in another vehicle if you’re in a collision.
  • Personal accident insurance: Covers medical costs for you and your passengers in the event of an accident.
  • Personal effects coverage: Covers valuables you keep in the car in case of theft or damage.

Are you covered already?

If you aren’t already an insured driver, you’ll want to take out the car insurance from the rental company. However, if you already own auto insurance, you may be covered already.

  • Check to see if you have adequate liability limits.
  • If you have comprehensive and collision coverage, you may consider declining the rental company’s loss damage waiver.
  • If you have adequate health insurance, you may not need the company’s personal accident insurance.
  • Review your home or renter’s insurance policy. This should cover your belongings wherever you take them, meaning it’s safe to decline the rental company’s personal effects coverage.
  • See if your credit card offers any benefits for putting the rental car payment on the card. Some cards will offer complimentary insurance.

Part of saving money and staying safe on the roads is securing reliable coverage. Visit All Nevada Insurance today to secure auto insurance to suit your needs. We serve Las Vegas and beyond!

Spring Driving Hazards to Look Out For

Posted on by TheSph3r3
Spring Driving Tips for the Season

Be mindful of common springtime driving hazards.

Winter is over, the temperatures are rising, and by now you have already enjoyed the start of springtime driving. Now that spring is truly here, it’s time to think about the changes you will have to make to your driving habits, as well as being aware of the changes happening on the roads. Check out these hazards (and how to handle them!) for safe driving this spring.

Potholes

The adverse winter weather can wreak havoc on the roads, causing large and harmful potholes. Deep potholes can throw your car’s alignment off and can also become the reason you need a new wheel and tire. Carefully try to drive around the pothole, if it is safe to do so.

Children

Longer days and warmer weather brings children outside to play and allows them to walk to and from school in light, clear weather. Pay extra attention when driving on residential roads and streets near schools. Children may not always be looking where they are walking. Slow down and keep an eye out for youth.

Cyclists

Motorcyclists and cyclists are more likely to be on the road during spring. This is a time when all drivers should brush up on their vision techniques in order to stay focused and spot smaller road users. Respect everyone on the road and take care when driving near them to avoid any unnecessary happenings on the road.

Animals

Hibernation is now over. Spring is the time when animals come out and begin their search for food. Being aware of this can prevent unnecessary animal deaths and damage to your vehicle. Slow down and take care on roads where wildlife activity is high.

The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that will see you through spring and beyond! Located in Las Vegas, Henderson, and neighboring cities, contact us today.

Determining Fault in an Auto Accident

Posted on by TheSph3r3
Determining Fault in an Auto Accident

How insurers will determine who is at fault for a car accident.

More than any other factor, your driving record determines rates for your car insurance. Good drivers with a clean history are likely to enjoy lower premiums, while drivers with one or more at-fault accidents must usually pay higher rates for coverage. However, even safe drivers can get involved in a car accident from time to time. With this in mind, it’s important to understand how fault is determined in such cases.

For every crash that happens on U.S. roads, someone is always at fault. Therefore, if you’re involved in a single-vehicle crash, you will automatically be deemed at fault and can expect that mark to stay on your record for many years.

Your insurer will likely determine fault based on the police report of the incident. While there can be exceptions, the general rules of thumb are as follows:

  • If you struck another vehicle from behind, you will be deemed at fault, regardless of what the driver did.
  • If you collide with a vehicle during a lane change, you’ll be at fault if the other vehicle was in your blind spot or if the vehicle was already in the lane.
  • If you ran a red light, stop sign, or other traffic control, you’ll be deemed at fault.

Ultimately, the drivers’ insurance companies will make the final decision regarding their driver’s claim. However, with supporting evidence, you can avoid having to pay out on your insurance when you’re not at fault. When considering your claim, check to see if any traffic laws have been broken – did a driver skip a red light or were they speeding when the road accident occurred? These observations are not always easy to prove and usually require witnesses. However, they can help to determine who was at fault in an accident.

If you’re involved in an accident, car insurance can help. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and vehicle!