Insuring a Coupe vs. a Sedan

Decide on which ride is best for you.

Don’t ever judge a book by its cover! Conventional wisdom might suggest that a bright and attractive coupe might be more to insure than your run-of-the-mill family sedan. However, it’s always important to remember that a lot more goes into calculating car insurance premiums. Aesthetics are just the tip of the iceberg; statistics play a heavy part, as well.

What’s the difference between a coupe and sedan?

This definition is actually fairly simple! A sedan is typically referring to a vehicle with four doors, while a coupe suggests just having two doors. The word coupe actually stems from the French word for “cut” referring to the traditional way that original coupes “cut out” the rear seating areas completely.

Recent coupe models now have the best of both worlds.

They have two rows of seating while also keeping the sleek two-door appearance that drivers love. The coupe is starting to change to appeal to a larger market by increasing backseat legroom. However, sedans almost always offer a roomier backseat than its counterpart.

How well does your car protect its riders?

A car’s safety features can help keep passengers safe while also helping you cash in on discounts on your premium. The idea that you’ll be less likely injured in a crash is both important to you and your insurance company. Theoretically, if your coupe tends to protect passengers more efficiently than a rival sedan, the coupe could pay less for coverage.

How expensive is it to repair or replace your vehicle?

Accidents are far more common than we’d like to admit. It’s the insurance provider’s responsibility to try to make things correct again. Because of that, insurers will consider how pricey repair and replacement costs may be after a major accident. Whether it’s a coupe or sedan is less important than the overall cost of replacement.

Now that you know what type of factors play into the cost of insurance, be sure that you secure the right policy for your needs. At All Nevada Insurance, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.

Healthy Office Snacks for an Energized Team

Offering a selection of healthy snacks helps your team to stay on point.

You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up – all at relatively little cost to your business. What kind of snacks are best for the office? Use this guide to the top healthy choices for stocking your breakroom.

Fruit & veggies

It shouldn’t be surprising that fresh fruits and vegetables are nutritionists’ top picks for healthy snacking. Most Americans aren’t getting enough servings of these crucial food groups, so by offering them, you can help your team overcome this deficit. If you’re having trouble keeping fresh produce in stock, consider unsweetened dried fruit. Packed with fiber and nutrients, this is a fantastic long-lasting option.

Nuts

Help your team fit in their healthy fat and protein by offering mixed nuts. Raw and unsalted nuts will be better for your staff’s health, but offering some roasted or salted options can help mix things up.

Sandwich or rice cake bar

Looking for something customizable? Consider setting up a whole wheat sandwich or brown rice cake bar. Your team can then load up their grain of choice with peanut butter, sliced bananas, or their other favorite toppings.

Water

Switch out the sugary drinks and caffeinated beverages for bottled water. Even being a little dehydrated can wreck havoc with our concentration and energy, so be sure to sip on water throughout the day.

So you can focus on feeding your team, let us focus on covering your hard-to-insure risks. To learn more about how our workers’ compensation programs and products have been serving thousands of insurance agents across the nation, contact All Nevada Insurance today.

Fill Up Your Plate with These Heart Healthy Foods

Heart Healthy Foods

Be good to your heart by piling your plate with these healthy foods.  

The old ticker is not something to take for granted. You may try to be good to your heart on occasion, but sometimes it’s difficult to know where to start. In the United States, heart disease is the number one killer. The good news is that we know a lot about cardiovascular diseases, including some of the best ways in how to prevent them. After plenty of research and studies, it’s certainly clear that healthy eating and living can make a huge difference!

Certain foods can dramatically reduce your heart disease risk, and this good-for-your-ticker diet doesn’t have to be bland or boring. Add these food items to your diet for a healthier heart!

Beans

Eating beans and lentils regularly can lower your risk of heart disease by around 22 percent. They are packed with omega-3, fatty acids, calcium, and soluble fiber. Legumes are high in cholesterol-lowering fiber and are an ideal meat-alternative source of protein.

Berries

Berries are packed full of anti-oxidants, known to be good for the old heart and health in general. Particularly, blackberries and blueberries are great for vascular health due to their high levels of anti-oxidants. They may be small but are very powerful!

Kale

The leafy green is a great source of alpha-linolenic acid, an omega-3 fatty acid that’s known to improve your heart health. It’s also got inflammation-fighting phytonutrients that can help prevent plaque formation in your arteries. Whether you toss it into a salad or smoothie, start adding kale into your daily diet!

Nuts

Did you know that eating nuts every day decreases the risk of dying from heart disease by up to 29 percent? Nuts contain unsaturated fats, which improve cholesterol by lowering “bad” cholesterol and raising the good kind. Walnuts, in particular, contain omega-3 fatty acids, which may prevent blood clots and the development of irregular heart rhythms.

Oranges

Oranges contain pectin, a soluble fiber that basically blocks cholesterol absorption and helps to prevent the scarring of heart tissue. In addition, they contain potassium that can help to keep blood pressure in check.

While you focus on bettering your health, allow the professionals at All Nevada Insurance secure your reliable insurance policies. Visit us in Las Vegas, Nevada today!

Summer Recipe for Your Meatless Monday

Easy Summer Recipe

These homemade quesadillas steal 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 reducing or eliminating our consumption of meat and dairy benefit the environment, animals, and our health, but it allows us to truly get creative and enjoy different vegetables, grains, proteins, and more!

If you’re looking for a better Meatless Monday dinner than tomato soup and salad, try these delicious quesadillas with homemade cashew cheese.

Ingredients

For the black beans & corn:

  • 1 tablespoon light oil
  • 1/2 an onion, chopped
  • 2 cloves garlic, minced
  • 1/2 jalapeno, finely diced
  • 1/2 cup black beans, drained and rinsed
  • 1/2 cup corn kernels, thawed if frozen
  • 1 teaspoon chili powder
  • 1 teaspoon cumin
  • 1/2 teaspoon salt

For the quesadillas:

  • 4 – 6 large tortillas (flour or corn)
  • 1/2 cup of dairy-free cheese
  • 1 large tomato, diced
  • 4 green onions, chopped
  • 1 small handful cilantro, chopped

Instructions

  1. To make the black beans and corn: Heat the oil in a skillet or frying pan over medium-high heat. When hot, sauté onion, garlic, and jalapeño until the onion softens and begins to brown. Now add in the black beans, corn, and spices, and heat through, about 2 minutes.
  2. To assemble the quesadilla: Heat a large dry pan over medium heat. Lay the tortilla down in the pan and let toast for about 1 minute until it’s just starting to get golden spots on the bottom. Flip and now add the toppings to the toasted side of the tortilla. On one half, add some cheese, then top with several spoonfuls of black bean and corn mixture, a sprinkle of diced tomatoes, and garnish with green onions, and cilantro. Use a spatula to fold over the tortilla making a half moon shape. Pat down the tortilla with your spatula so it all sticks together. Cook for about 2 minutes on one side, then flip and cook another 2 minutes on the other side so that the cheese is melted and everything is heated through. Remove from pan and cut into 4 triangles.

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!

How to Insure Your Home Business

Insure Your Home Business

Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment.

If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 coverage for business equipment, which is likely not enough to cover all of your property associated with your business. As a business, you will likely need coverage for liability and lost income. You put blood, sweat, and tears into your business so insuring it is important for its livelihood.

Regardless of what insurance policy you choose, you need professional liability insurance. Here are the three basic kinds of liability insurance you should consider — depending on the nature of your business.

  1. Homeowners Policy Endorsement

You may not need to take out an entirely different policy. A homeowners policy endorsement just adds protection to your already existing homeowners policy to double your standard coverage for business equipment like computers and printers.

  1. In-Home Business Policy

An in-home business policy provides more comprehensive coverage than the homeowners policy endorsement. In addition to the protection for your business, this policy could reimburse you for the loss of important papers and records. It may even pay for the income you lose if your home is so badly damaged from a covered peril that it forces you to pause your business temporarily.

  1. Business Owners Policy (BOP)

If your business is on the bigger side of things, as far as home businesses are concerned, then homeowners insurance policy and any add-ons won’t exactly cut it. It covers business property and equipment, loss of income, extra expenses, and liability—like the other policies, only on a much grander scale.

Whichever you choose is best for your business, it’s important to realize that not even your business is immune to dangers. Contact All Nevada Insurance, your independent insurance agency, to learn how you can safeguard your hard work with business insurance for your small business.

Are you looking to create more income and become your own boss?

I am looking to create more income and be my own boss!! Great! We have the perfect business model for you.  At All Nevada Insurance we offer you the opportunity to create a residual income.  That means this is not a one-time sale that only pays you when you make the sale, but every time the policy renews, you make a commission.  Imagine how long you have been with your insurance company.  Every time your policy renewed, your agent got paid.  Would you like that agent to be you?  Just think of how many people you know that drive a car or live in a home.  We are in an industry where the people need us.  Find out more about how to become a franchise owner with All Nevada Insurance.  Visit us at www.ANIfranchise.com.

Ways to Save on Your Motorcycle Insurance

Save on Your Motorcycle Insurance

Motorists, instead of cutting down on your coverage, cut your insurance costs.

If your motorbike isn’t your primary mode of transportation, you’re likely to keep it tucked away and only hop on it for a sunny afternoon ride. While you may enjoy the thrill of this, you may hate forking out your hard-earned savings each month to keep it protected. Fortunately, there are several (effective) ways that you can save on your insurance.

Enroll in a safety course.
A safety course certificate tells insurers that you’re dedicated to being safe, and that you took extra effort in becoming a responsible driver – earning yourself a discount on insurance!

Get custom coverage.
Make sure that your policy only reflects the way you use your bike. If you store your motorcycle in the garage or keep in hibernated all winter, let your insurer know. If you only drive your bike on a sunny weekend, your insurance could be much cheaper than for someone who rides their bike to work every day.

Raise your deductible.
The deductible is the amount that you pay out of pocket after an accident. Higher deductibles mean that the insurance company assumes less risk – but you pay more out of pocket when filing a claim. Consider this cost before raising your deductible.

Pay in full.
With many insurers, if you pay your premium in full, rather than monthly, you’ll receive a discount!

Know your risks.
Love your top-of-the-line bike? Others probably do, too. The risk of theft and vandalism increases with an expensive bike, as well as having costly repairs. In turn, an insurance policy increases!

Are you ready to secure the right motorcycle insurance for your needs? Contact the professionals at All Nevada Insurance to get started on your custom coverage in Las Vegas, Nevada!

Would you like to make a difference in the lives of others?

Would you like to make a difference in the lives of others? Do you want a career that has meaning? Do you have an entrepreneurial spirit? Are you someone that wants to take control of your own destination with time and finances?  You may be looking to be a part of the All Nevada Insurance family.  Our franchise system is turnkey.  We coach you into being an insurance agent and business owner from the moment you decide you want to be a franchisee.  Find out more about who we are and what we are up to:  www.ANIfranchise.com.

Tips for Buying Business Insurance

Buying Business Insurance

Shopping for your business’s insurance policy? Here’s what you need to consider first.

No two businesses are alike. Similarly, no two companies share the same risks and threats that can impact the stability, finances, and staff. Buying business insurance for your small company can be a frustrating process. Finding the right policy can feel like you’re looking for a needle in the haystack. In actuality, giving up and settling for a mediocre policy can do more damage to your business than it can good.

Before you select one with a low premium and minimum coverage, here’s what you need to know about buying business insurance.

Look past the premium.

Expenses are important to your business, and you will want to keep to a minimum. For small business owners with limited budgets, it can be tempting to make a decision based on the price. Keep in mind that you’re purchasing insurance to protect your business. Always look at a policy to ensure that it doesn’t leave out coverage you may want later on and that it has high enough limits to suit your company.

Evaluate the policy for gaps.

The defining details of each policy are inclusions (covered events) and exclusions (events that your insurance won’t account for). Pay attention to these items because they determine the terms of your coverage. For instance, when reviewing coverage for commercial auto insurance you’ll want to check that you have insurance for bodily injuries, property damage liability, collision coverage, uninsured motorist coverage, and personal injury protection.

Understand limits and deductibles.

Your policy limits are the stated amount that your insurance provider will pay for a specific event, instance, or claim. Your limits ultimately decide the extent of protection your business receives for liability lawsuits and other losses. While you check your limits, ensure that your deductibles are well within your business’s monthly budget.

Skip the search of finding the right business insurance in your area to suit your needs – contact All Nevada Insurance to find out how our protective policies can meet your business’ needs.

Have you ever had a dream to be your own boss?

Have you ever had a dream to be your own boss?? Opportunity is knocking.  All Nevada Insurance is opening its doors to entrepreneurs looking to be a part of a system that works! We are an independent broker and have over 120 carriers that we can write business with.  That means, we retain our clients when their rates go up because we could shop them around with other carriers.  We insure homes, autos, toys, businesses, life and health.  Be part of a team that has the client’s best interest in mind.  We are growing and we want you to be a part of that growth! To learn more about us, please visit www.ANIfranchise.com.