Adopt Safe Driving to Keep Your Premiums Down

Sage Insurance Services Inc. is a locally owned and operated insurance broker serving Las Vegas, Nevada. We have a personal stake in our community so we care how safe you and your family are on the road. That’s why our auto-insurance premiums are often lower for drivers with a clean driving record. In order to help you keep your premiums down and your car on the road, here are some tips to help you adopt a safer driving style.

Slow It Down

While speeding over the posted limit is often seen as a harmless law to break, the consequences show it’s anything but harmless. In Nevada, a third of all 2013 fatal accidents were related to speeding. The truth is that speeding might shave off a few minutes of your trip at most while greatly increases your risk of a serious accident.

Put the Phone Down

It’s against the law to use a handheld cell phone while driving in Nevada. The law might seem like it was designed just to annoy people, but there is a good reason for it. At least 2,600 people die each year in car accidents related to a driver distracted by a cell phone. If you want to keep yourself and others safe the phone call can wait.

Take a Defensive Driving Class

While you can control a lot of things to help you stay safe on the road, you can’t control other drivers. Take a defensive driving class so that you can keep you and your loved ones safe from reckless drivers. There are now online classes that will teach you how to react to dangerous drivers and conditions.

Practice these safer driving tips and then come to get an auto insurance quote from Sage Insurance Services Inc.

Whose Insurance Will Cover Your Friend Wrecking Your Car?

You loaned your car to a friend or family member and then you get a phone call that they have been in an automobile accident. After ensuring that they are not injured, you may begin to wonder whether your insurance or their insurance will cover the accident. Here is some information you need to know if your friend was involved in an accident while driving your vehicle in Las Vegas, NV.

Auto Insurance Follow the Car, Not the Driver

It is important to understand that, for the most part, auto insurance follows the vehicle you are insuring, not the driver. This is why you may not always be covered when renting a car or driving someone else’s vehicles. Unless the policy specifically states otherwise, the policy is specifically in place for the car.

Excluded Versus Non-Excluded Drivers

When you take out an auto insurance policy, you need to pay close attention to non-excluded versus excluded drivers. If you have a roommate, close friend or family member who is considered to be a risk by the insurance company, they may be listed as an excluded driver. They may have a lot of tickets or DUI’s. Regardless, an excluded driver is not covered by your auto insurance policy, so they should not be driving your vehicle. If the person is not listed as an excluded driver, they are considered to be a non-excluded driver and will be covered as long as they have a valid driver’s license.

If you have a friend who frequently drives your car, or you are shopping around for a policy that will cover others, give Sage Insurance Services Inc. a call today. They are an auto insurance company that serves the Las Vegas area. They can help you find the right policy with all the coverage you need, at a price you can afford.