Three Ways to Find the Right Insurance for You

Posted on by TheSph3r3

All Nevada insurance companies will offer the same basic coverage. However, there are certain companies that may have more or fewer options depending on certain factors. If all the life, medical, and auto insurance options are confusing you, and you need help finding the right coverage option, then consider these three basic methods to help.

Determine Your Needs

The first and best step to take in order to find the insurance coverage that is right for you, is to determine your needs. List your basic needs and determine which coverage options meet those requirements. Don’t forget to consider how much you can afford as one of your insurance needs.

Reflect on the Insurance

Reflect on the insurance and what you would need in an accident. Think about a basic accident and walk through what coverage options are best for you. List these options and what the best case scenario is for your insurance.

Contact an Insurance Agent

Once you have considered the various options and determined your needs, it’s time to contact the agent. Let your agent know your needs and what you think you will want in case of an accident. They will be able to help you determine the best insurance for your needs. 

Tips for Keeping Your Child Safe this School Year

Posted on by TheSph3r3

All Nevada insurance has a goal in mind. That goal is to maintain the safety of their customers and their customers children. One way they can do this is through special coverage and package options. Offering tips to help families keep their children safe during the school year, is another way that All Nevada can help meet their safety goal.

Social Media

Safety on the Internet is a huge concern for many parents. A safety tip that insurance companies are now passing on to customers is to make sure that children are safe on and offline. Ensure that they are using social media responsibly. Make sure that, as parents, you know who your children are interacting with online and who is on their friends list.

Know the Parents

 Have contact numbers for the parents along with addresses and backup numbers should something happen. Also, make sure you walk with your children to and from the location or that you drive them to and from the location. 

Remember, the goal is to keep your children safe while they are away and at home. Make sure you know their friends, know their patterns, and you have ways to contact other parents if necessary.

Las Vegas Locals Have A Host Of Great Events In February 2014

Posted on by TheSph3r3

Las Vegas locals have world class entertainment near their front door all year long with fabulous shows by big name stars at places like Planet Hollywood and The House of Blues. For February, 2014, locals will be enjoying events like the 10th Anniversary Love Affair on February 15th. Held at the Orleans Hotel and Casino, this Valentines Weekend music concert features R&B hit artists from the 1970s and 1980s. Go out and swoon to the tunes of Midnight Star, Heatwave, The Delfonics and more. 

Beginning on February 14th,  Las Vegas locals can check out the 50 Greatest Photographs of National Geographic for a breath-taking visual arts display. It will be held at the Venetian Resort Hotel Casino. This traveling exhibition features the most remembered and celebrated photographs from the magazine’ s 125 year history. 

On Thursday, February 13th, get in the mood for Valentines Weekend with An Intimate Evening With Clint Black Acoustic at Smith Center. Hear up close and personal songs from Clint’s debut album Killin’ Time, featuring his number one song "A Better Man." 

All Nevada Insurance likes to see Las Vegas locals healthy and happy. Get out and enjoy the month of February. 

For all your questions about insurance coverage, contact All Nevada Insurance serving Nevada.

Has Your Vehicle Been Declared a Total Loss? Here’s Why…

Posted on by TheSph3r3

Auto accidents that cause extensive damage to your vehicle may be considered a total loss. If you have auto coverage and the accident was your fault, you may receive compensation for the loss of your vehicle. If you were not at fault, the other party’s insurance is responsible for paying for your vehicle. There are several things you should know about vehicles that are declared a total loss.

What Is a Total Loss?

Most vehicles are considered a total loss when the cost to return the vehicle to its pre-loss condition exceeds the value of the vehicle. The structural integrity and the overall condition of the vehicle are taken into consideration before declaring it a total loss.

How Much Will I Get for a Total Loss?

If your vehicle has been declared a total loss, many insurances’ will pay the actual cash value (ACV) or market value of the vehicle based on its age, mileage, features, and pre-loss condition.

For more information on insurance or auto coverage in the Nevada area, please contact All Nevada Insurance.

Exploring Business Insurance Options

Posted on by TheSph3r3

Business insurance encompasses a wide range of coverage to meet your company’s needs. When purchasing your policy, consider the following options to acquire just the right protection to meet your business needs.  

Property and Casualty – covers damage or loss to your business property along with its contents.

Liability – protects your business from negligent action that causes other people harm. 

Worker’s Compensation – protects your employees from accidents on the job.

Health Insurance – covers health benefits for your employees

Life and Disability – protects your business assets in the event of death or disability of specific employees such as a partner, etc.  

Commercial Auto – provides coverage for property damage of your business vehicles in the event of accidents; also covers damage to others’ vehicles caused by your employees.

Business Interruption – protects your business from loss of income in the event you cannot operate due to equipment damage, property damage, etc. 

You can save money on your business insurance coverage by tailoring your policy to suit your particular business needs. Let All Nevada Insurance experts guide you through the various types of policies and help you make wise decisions for the business coverage you seek.

Try Homemade Italian Soup for Satisfying Winter Meal

Posted on by TheSph3r3

With much of the country currently in the clutches of "Old Man Winter," and sweaters and jackets necessary even for Nevada residents, hearty dinners of homemade soup and fresh bread can be delicious and comforting.  Comfort food is even better when it’s quick and simple.  Try this version, which can even be adapted to serve a crowd.

Italian Hearty Soup

1/2 pound mild Italian sausage (bulk, or removed from casing)

Several cloves of garlic, minced

1 onion, 3 or 4 medium carrots, 2 stalks celery, including leaves, chopped

1 can white kidney beans, partially drained

3 to 4 cups chicken broth, low sodium

Cabbage, 1/3 to 1/2 head — cut into about 1 inch chunks

Fresh spinach – 4 to 5 ounces

Saute the garlic in a little olive oil; add sausage and cook gently; add chopped vegetables in batches and continue to saute until all is mixed and starting to get tender.  Add salt, parsley, Italian seasoning and pepper to taste.  You can also add some dried sage and basil if you wish.

Turn heat to medium, add broth and beans, and continue to cook on medium or medium low until vegetables are tender.  If needed, add a little water or a bit more broth; but the soup should thicken slightly because of the beans.  Add the cabbage and continue cooking until tender. It can be turned to low and kept warm until ready to serve.

Just before ladling into serving bowls, turn heat up to medium, add spinach and stir just until wilted.

Serve immediately with freshly grated parmesan cheese and warm, crusty bread.  The whole family will love staying home for this hearty, nutritious, easy to prepare dinner.

When you need a "recipe" for the best insurance coverage, don’t hesitate to contact the professionals at All Nevada Insurance.  They’ll be happy to help you with all your business and personal policies.

 

 

 

Bad Practices in a Business Equal a Raise in Insurance Premiums

Posted on by TheSph3r3

A company that makes poor decisions regarding facilities and employees will typically experience an increase in insurance premium costs due to these decisions. Avoid putting your business, clients or employees at risk by maintaining good methods when it comes to the follow situations.

If you ignore employment laws, you are putting your business at risk. In addition to following procedures regarding these laws, you should choose to do business only with other businesses who follow employment laws and regulations. You are responsible for insuring your business appropriately, and that includes reporting risks that may cause you to need additional coverage, such as high crime rates or flood zones. Make sure you purchase and maintain insurance coverage for your personal property, your health, your business and for inventory so to protect your company in earnest.

For your employees, maintain a professional working environment by mandating employee training on a regular basis. Additionally, make certain that you are providing a safe and secure environment for employees and customers. Here at All Nevada Insurance in several locations throughout Nevada, we hate to see bad practices result in a raise in premiums for business owners and employees. Contact us today to find out how you can prevent such a situation from happening to you.

Stay Sober on Nevada Roads and Highways or Pay a Hefty Price for Getting Pulled Over

Posted on by TheSph3r3

All Nevada Insurance representatives remind you to pay attention to the strict Nevada laws about drinking and driving. Plan on paying a large sum of money if you get pulled over due to driving under the influence of alcohol.

The end of the year marks a time of reflection about your past and future lifestyle and insurance coverage. Reviewing information about your current auto insurance policy with an All Nevada Insurance agent can help you start the new year with an extra measure of confidence.

If you plan to celebrate the end of 2013 by drinking wine and beer, remember that you run the risk of getting pulled over by an officer and receiving a fine. Stay sober to avoid the embarrassment and the extra cost involved in getting pulled over by a highway patrol officer.

Instead, celebrate Christmas and New Year’s Day without getting drunk. Learn to appreciate the holidays with a sober mind. For more information about staying sober to avoid getting pulled in Las Vegas or Henderson, Nevada, please contact All Nevada Insurance.

 

7 Safest Midsize Cars: Front Crash Prevention Ratings

Posted on by TheSph3r3

Studies have revealed the seven vehicles that are the safest as far as front crash prevention is. Having one of these cars virtually guarantees lower insurance rates than you would have otherwise. Cadillac, Mercedes-Benz, Subaru and Volvo were all represented highly in these crash test ratings.

The seven safest vehicles in 2013 and 2014 models were as follows: the Cadillac ATS Sedan, the Cadillac SRX SUV, the Mercedes-Benz C-Class, the Subaru Legacy Sedan, the Subaru Outback Wagon, the Volvo S60 Sedan and the Volvo XC60 SUV. Out of all of these, the two Cadillacs scored highest with the other vehicles scoring similarly. 

These safety ratings were only based on front crash prevention. Other vehicles may be safer for side collisions or after a crash has already occurred. Nevertheless, these vehicles all represent a very safe choice. The safer your car is, the lower your insurance premiums are likely to be. To find out more about your car and how it affects your auto insurance rates, contact the professionals at All Nevada Insurance.

Stolen items: Protect Your Car

Posted on by TheSph3r3

Car break-ins are very common and have some serious ramifications for those involved. Not only could your expensive items be stolen right out of our car, but your car could be damaged during the crime. To avoid this, there are a few things you should consider doing.

First, always ensure that your car is parked in a lit area and don’t leave presents visible within your vehicle. If you do have presents in your car, you should have all of the receipts. Your auto insurance policy may cover your items, but you’ll need to prove their value.

You may want to check to make sure that your auto insurance policy does cover items and you should avoid carrying too many items at once. Remember that thieves will often follow you from the store, so you should always go directly home after shopping to reduce your risk.

For more information about the auto insurance needed to protect your vehicle and your belongings, contact the experts at All Nevada Insurance.