Top 4 Cars for Families

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Best New Cars for Families

When looking for a new car, there are many factors to consider, especially if you are looking for a family car. Keep these top 4 cars for families in 2015 in mind when looking for the right car to ensure all of your loved ones will stay safe on the road.

  1. Chevrolet Malibu – the Malibu has lots of room for every member of your family, as well as good fuel economy to ensure you do not have to constantly stop for gas. The car also features a spacious trunk that is able to fit all of your belongings when you head out for a family vacation.
  2. Chevrolet Equinox – the Equinox comes with two different engine options, a four cylinder and a six cylinder so that you can choose the right one for your needs. The second row of seats reclines, which means even your older kids can ride in comfort.
  3. Ford Fusion – as one of the most popular passenger cars on the road today, the Fusion has a hybrid powertrain and all-wheel drive option. The Fusion also offers many new technologies, including self-parking, voice activation, and keyless entry.
  4. Honda Odyssey – although it is a minivan, it is not like minivans of the past. The Odyssey has captain’s chairs in the second row, which allows for tons of legroom in the third row. With plenty of standard features including dual-zone air, Pandora interface for streaming music, and text to speech capability, the Odyssey is the minivan of the future.

No matter what car you invest in, having the right auto insurance policy is the best way to ensure you and your family are protected from any unfortunate situation. Contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada for all of your auto insurance coverage needs.

What To Know About Home Insurance As A New Homeowner

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New Homeowner Insurance Basics

Having the right homeowners insurance policy can ensure that you and your home are protected from any unfortunate situation. With all of the coverage options that are available with a homeowner’s insurance policy, it can be difficult and confusing to make sure that you invest in the right policy, especially as a new homeowner. Make sure to keep these homeowners insurance basics in mind to ensure that you invest in the right policy for your needs.

  • What is covered – typical homeowners insurance policies will provide coverage for any damage that is done to your property from a number of perils, including fire, storms, vandalism, and theft. It will also provide coverage if someone is injured at your home.
  • What is not covered – there are some exclusions that are included in standard homeowners insurance policies, such as landslides, sinkholes, earthquakes, war, government action, flooding, and more. There are many additional policies that are available to provide extra protection for perils that are excluded on your homeowner’s insurance policy.
  • Importance of shopping around – before you decide on a policy, it is important to make sure that you shop around and look at all the policy options that are available. Policies offer different amounts of coverage at a variety of prices, some which may benefit you more than others.
  • How to reduce your premiums – there are many preventative measures that you can take to help lower the cost of your homeowner’s insurance premiums, such as installing smoke detectors and an alarm system. The more safety precautions you take, the more money you can save on your policy.

Contact All Nevada Insurance in Las Vegas, Nevada for all of your home insurance needs. As an independent insurance agency, we will work with you to ensure that you have the right amount of coverage, all at the right price for your budget.

Tips To Save Money On Your Worker’s Comp Policy

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How to Save Money on Worker’s Compensation

Having the right worker’s compensation policy is the best way to ensure that your employees are protected while they are working. Unfortunately, worker’s compensation can also be one of the biggest expenses for companies. Keep these tips in mind to help save money on your worker’s compensation policy.

  • Be proactive – since worker’s compensation premiums are directly related to your claims history, the lower your claims, the lower your premiums. Ensuring that all the proper safety precautions are taken, and all the proper safety equipment is available will help to cut down on the amount of worker’s compensations claims you have to make. Consider implementing a no-accidents rewards program to encourage safe practices at your company. Make sure that you also have regular safety meetings with all of your employees so that they stay up to date with all of the safety practices at your company.
  • Regularly review your classification codes – the way that your employees are classified has a large impact on the cost of your premiums. Knowing that all of your employees are properly classified will ensure that you are not overpaying for your worker’s compensation policy and will avoid any fines.
  • Check the statutory payroll limits on your audit – Nevada has a statutory payroll cap for each employee, which only considers the first $36,000 of annual salary for worker’s compensation ratings. Ignoring or exceeding the payroll cap can lead to higher costs for worker’s compensation premiums.

For all of your worker’s compensation insurance policy needs and to ensure that your employees have the right amount of protection, contact All Nevada Insurance in Las Vegas, Nevada. As an independent insurance company, we will work with you to ensure that you have the most comprehensive commercial insurance policies, all at the right price.

Reevaluating Your Home Insurance For The New Year

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Why You Should Check Your Home Insurance Policy at the Beginning of the Year

With 2015 off and running, it is the perfect time to make sure that you are properly covered with the right homeowners insurance policy. Reevaluating your home insurance policy at the beginning of the year is the best way to ensure that you will be covered from any unfortunate situation throughout the year.

You should take the time to look over your homeowner’s insurance policy at least once a year to make sure that it meets all of your current needs. If you have had any major life changes in the last year, such as renovating your home or inheriting expensive family heirlooms, you probably need to add more coverage to your homeowners insurance.

There are many changes that you can make to your homeowners insurance policy to ensure that you have the right amount of protection. You can increase the overall coverage that your policy provides, or only increase certain aspects, such as dwelling or any other coverage for structures. You also have the option to add additional coverage by adding a floater, or endorsement, which will provide extra coverage for specific items, such as valuable jewelry or art.

If it has been a couple of years since you last looked at your homeowner’s insurance policy, it may be time for a complete change. Talking with your insurance agent can help to ensure that you have the right amount of coverage for your specific needs. They can also help you find any possible discounts that you qualify for that you may not have qualified for in previous years.

For all of your homeowners insurance needs in 2015 contact All Nevada Insurance in Las Vegas, Nevada. As an independent insurance agency, we will work with you to ensure that you have the right amount of coverage for the New Year, all at the right price.

 

How Combining Insurance Can Save You Time and Money

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Benefits of Combining Insurance Policies

Investing in multiple insurance policies for every aspect of your life is the best way to ensure that you are protected from any peril. However, the more separate insurance policies you have, the more bills you would have to keep track of and pay each month. Luckily, combining your homeowners insurance and auto insurance policies can help to save you time and money.

Having two separate policies for your home and auto can lead to more confusion and money being paid out each month. Two policies mean that you are paying for two administrative fees, twice the taxes, and double the deductibles. Combining the policies into one can help to eliminate extra fees since all the fees are bundled into the same policy, known as a “dual protection” policy. Combining your home and auto insurance policies can help you save up to 20 percent on your insurance premiums.

If you are looking to combine your insurance policies, make sure to first talk with your insurance agent. Get a quote for both your home and auto insurance as separate policies, and as a combined policies to see which option will save you the most money. Working with an independent insurance agent will help to ease the process, since they work with many different affiliates and are able to get quotes from various insurance providers.

Along with combining your policies, there are many other steps that you can take to help lower the cost of your premiums, such as installing alarms in your home and vehicle. Having the newest safety features installed in your vehicle can help to keep the cost of your insurance premiums low.

For all of your home and auto insurance needs, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. As an independent insurance company, we can help to ensure that you have the right amount of coverage, all at the right price to fit your budget.

Uber Shut Down in Nevada

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State Law Has Shut Down Uber Operations in Nevada

Uber is one of the fastest growing companies. Operating in more than 200 cities across the country, it is no wonder that the company made its way to Nevada. However, the taxi companies in the Las Vegas area were not pleased with this move and fought back, leading Nevada to be the first state to shut down Uber operations.

Uber was suspended in Las Vegas on November 26, 2014 during the influx of visitors for the Thanksgiving weekend. A Nevada Judge in Washoe County District issued an injunction that prevented Uber from operating throughout the state. The shutdown came just a month after Uber started providing services in Nevada, with the first ride taken the “The Killers” front man, Brandon Flowers.

Almost immediately after the service opened, the Nevada Transportation Authority and Nevada Taxicab Authority fought back against Uber with injections that allowed police agencies to arrest Uber drivers and impound their cars for operating in the state. There were more than 50 incidents that were recorded of drivers being arrested in the Reno and Las Vegas areas.

The transportation lobbies in Las Vegas have long been blamed for standing in the way of more efficient public transportation methods from the McCarran International Airport to the Strip, (unofficially of course). Since Uber defines itself as a technology company instead of a transportation company, it allows them to bypass transportation regulations. However, state regulators are claiming that Uber drivers are acting as unlicensed and illegal carriers. Even though Uber says that they thoroughly investigate all of their drivers and require them to carry company provided auto insurance, state regulations have stricter requirements.

For more information on the Uber shut down, and how it could affect your travels, contact All Nevada Insurance in Las Vegas, Nevada.

Stay Safe With These New Year’s Eve Safety Tips

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Tips to Stay Safe on New Year’s

With only a couple of days left in 2014, it is the best time to start looking for the perfect New Year’s Eve plans. While you are ringing in the New Year, it is important to make sure you know how to stay safe. Keep these New Year’s Eve safety tips in mind to make sure that you start the New Year off right.

  • Ask a friend who does not enjoy drinking to be your designated driver for the night. Make sure that they stay completely sober since just one drink can affect your driving abilities.
  • If you cannot find a designated driver, use public transportation or call a taxi. Many cities are offering free or discounted rides on public transportation to ensure that you get home safely.
  • Pay attention to how much you are drinking. While there is nothing wrong with enjoying a couple drinks on New Year, the more you drink, the more likely that something will go wrong.
  • Be aware of your surroundings at all times, especially if you are in a crowd. If you see a dangerous situation, stay away and call the authorities if necessary.
  • Do not go out alone. Having a group of friends with you at all times while you are celebrating is the best way to ensure that you stay safe.
  • Make sure your pets are safe and secure in your house. Loud noises, such as fireworks, can scare pets and cause them to run away.

Before the year ends, it is the best time to look over all of your insurance policies to ensure that you have the right amount of coverage for the upcoming year. Contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada for all of your insurance needs for 2015.

Delicious Holiday Recipe

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The holidays are just a couple of days away, and if you are looking for the perfect recipe that the whole family will enjoy, look no further! Try this delicious cider braised pork shoulder recipe that everyone will love.

Ingredients

  • 2 tablespoons kosher salt
  • 2 teaspoons dark brown sugar
  • 1 teaspoon dry mustard
  • 2 teaspoons paprika
  • 1 teaspoon ground red pepper
  • 1 (4 to 5 lb.) butterflied boneless pork shoulder roast
  • 2 tablespoons olive oil
  • 3 cups reduced sodium chicken broth
  • 1 cup apple cider
  • 1 tablespoon honey
  • 2 tablespoons Dijon mustard
  • 6 bay leaves
  • 2 Granny Smith apples
  • 1 medium size yellow onion, chopped
  • 1 garlic bulb, cut crosswise
  • 1 tablespoon butter
  • 1 teaspoon apple cider vinegar

Directions

  1. Stir the salt, brown sugar, dry mustard, paprika, and red pepper together and rub over the pork. Roll up pork and tie with kitchen string. Chill the pork, uncovered, for 8 to 12 hours.
  2. Preheat your oven to 325 degrees. Let the pork stand at room temperature for about 20 minutes.
  3. Cook the pork in hot oil in a large Dutch oven over medium high heat for 12 minutes, browning on all sides. Remove the pork and wipe the Dutch oven clean. Boil broth, apple cider, and honey in Dutch oven over medium high heat. Reduce the heat to medium and whisk in Dijon mustard and simmer, stirring occasionally for 5 minutes.
  4. Return the pork to the Dutch oven and add bay leaves. Cut 1 apple into thick slices. Place the garlic, onions, and apple slices around the pork. Return to a simmer over medium heat. Place a piece of parchment paper on the pork mixture and cover the Dutch oven with a tight fitting lid.
  5. Bake at 325 degrees for 3 ½ to 4 hours or until the meat is very tender. Let the pork stand in the Dutch oven, covered, with the parchment paper and lid at room temperature for 30 minutes.
  6. Throw away the parchment paper. Transfer the pork to a serving platter and cover with foil. Skim the fat from cooking liquid and pour the cooking liquid through a fine wire mesh strainer into a large saucepan, throwing out the solid pieces. Bring the liquid to a simmer over medium high heat. Cut the remaining apple into thin slices and add to the mixture. Simmer, stirring occasionally for 5 minutes or until the sauce reduces slightly. Remove from heat. Add butter and vinegar, and stir until butter melts and is smooth. Serve the sauce with the pork.

All Nevada Insurance in Las Vegas, Nevada would like to wish you and your family happy holidays!