Does Auto Insurance Cover the Cost of Damages to a Rental Car?

Renting a car is a great thing but most rental companies do require that you have some sort of insurance coverage on your part. Your auto insurance does cover the cost of damage to a rental car to a certain extent but it is still helpful to know what your insurance covers. For those that live in the Las Vegas, NV area, the agents with Sage Insurance Services Inc. can help you find the policy that works best for you.

Your insurance is going to cover the cost of damage to your rental car if you rent one. Your insurance will cover the cost of damage to a rental car. The rental company is also going to have plenty of coverage in place to help make sure that the car is covered on all side and that there is plenty of coverage for anything that may happen. It is important to remember that your insurance may cover the cost mainly if you are found to be at fault for the wreck or damages. If the other driver is found to be at fault, they are going to have to pay the cost with their own insurance.

The rental company keeps insurance on their cars to make sure that if your insurance or the insurance of the other driver does not cover all the costs of recovering or replacing the car. insurance is a must in any case for the rental company and the renter themselves so that no one is required or expected to pay the cost of repairing or replacing a car on their own. For those that live in the Las Vegas, NV area, the agents with Sage Insurance Services Inc. can help you to find the right coverage for your specific needs.  

Can Lifestyle Changes Affect Your Auto Insurance?

Lifestyle changes such as retirement, marriage, divorce or parenthood can affect your auto insurance. Lifestyle changes can alter your driving routine or habits, which may increase or lower your insurance costs. Changes that cause you to use your vehicle more could result in an increase in coverage. In like manner, if you use your vehicle less, you may be able to get by with less coverage.

If major lifestyle changes are in your future, talk to an agent at Sage Insurance Services Inc. in Las Vegas, NV for help in adjusting your auto insurance coverage. Here are a few examples of how lifestyle changes can alter your policy.  


After retiring, you may use your vehicle less as you won’t be traveling to and from work on a daily basis. This could make you eligible for reduced auto insurance prices. As a senior, you may also qualify for lower insurance costs, especially if you have a good driving record.


Marriage could qualify you for a multi-car discount by adding your spouse’s vehicle to your policy. If you own a home in Las Vegas NV, you can further reduce auto insurance costs by bundling it with your home insurance policy. On the flip side, if you get divorced, you may need to remove someone from your policy, which will reduce your insurance costs.


Having a baby may help you improve your driving habits, which will save you money on your auto insurance. You may also decide to buy a new family car, which could drastically alter your coverage, depending on the vehicle you buy.  

At Sage Insurance Services Inc. we can meet your auto insurance needs at any stage of your life. To learn more about your auto insurance options and costs, contact our Las Vegas office.   

Auto Insurance for Teens with Permits

Having a learner’s permit is like a rite of passage for teens. While it is an exciting time for your teenager, it can be scary for the guardians or parents. Do you understand the reservations you have when you think of auto insurance? It is possible for your teenager to get behind the wheel as a young driver with auto insurance from Sage Insurance Services Inc. Read on to learn more.

Why consult with your insurer

Circumstances and insurance needs vary. Therefore, you need to talk to your insurance company instead of just assuming that your teenager is covered under your policy. In fact, if you don’t do that, you may end up paying a lot of money out-of-pocket for a loss that you assumed was covered under your auto insurance policy.

It is possible to get auto insurance with a permit?

In some circumstances, you can get a separate policy for your teen driver. This is another issue that you need to consult with your insurer about. When you double check with the insurer, you’ll get more information concerning the circumstances that may require your teenager to purchase a separate policy using the learner’s permit. For instance, your teenager may be required to purchase a separate policy if he or she owns the vehicle registered under his/her name. Moreover, this is an opportunity for you to discuss with the insurer on how to get the best coverage for your daughter or son when the full license is obtained.

How to pick the right learner’s car

It is important to know the type of car your teen will be driving while learning. If there is more than one car in your household, you should relegate the least flashy car with the highest safety rating to your teen during the learning period. Insurance companies tend to recognize muscle family cars built to go fast. So, to help reduce premiums, consider the car with the least insurance premiums. In other words, your insurance rates can increase significantly if your licensed teen is added to your auto insurance policy.

You can make significant savings on your auto insurance by making wise decisions in Las Vegas, NV. Are you considering adding a learner’s permit to your auto insurance? Contact us today at Sage Insurance Services Inc. for more information and guidelines on how to go about it.


How to Best Keep Your Car Clean in Las Vegas, Nevada

Cleaning your car in Las Vegas, Nevada has a number of benefits. For one, it looks good as you drive around Sin City in your spotless car, impressing everyone you meet. Having a regularly cleaned vehicle will also up the resale value when you sell the car and ideally upgrade to something better. However, having a clean vehicle can also help protect you from getting into a car accident due to dirty windows and mirrors and subsequently bad visibility. Of course, this is all easier said then done so below are some tips on how to best keep your car clean in Las Vegas, Nevada.


By washing and waxing your vehicle every week, it will stay clean and not accumulate layers of dirt that are difficult to wash off every so often. Rather, with the help of the wax on the exterior, the vehicle will be easy to clean of most substances that land on it’s exterior. This habit will help keep your car looking as good as new as long as you own it.


Something about the texture of old newspaper along with streak free window cleaner manages to get these surfaces cleaner that any other material. Wipe down windows and mirrors on at least a weekly basis in this way, so that you have good visibility and don’t end up in accident, which will up the insurance policy you set up with, say, a Las Vegas area broker like Sage Insurance Services Inc.


Washing the exterior, windows and mirrors of the vehicle is most of the cleaning, but then there is also all the dirt that is tracked into the floor and seats. Therefore, you should purchase a hand vacuum to easily suck all of this up every few weeks.

Top 3 Car Cleaning Hacks

One of the most underrated car maintenance matters, keeping your car clean may take more effort than you originally thought. Do you need a bit of help in terms of the cleanliness of your vehicle? The following is an overview of the top 3 hacks to keep your car clean. 

1. Get Rid of those Pesky Bugs 

One of the hardest things to wash off of your vehicle, dead bugs on your car take some effort to get rid of. While there are many methods used in order to complete this task, one of the cheapest, easiest, and least expensive, involves applying car soap to the outside of your vehicle with a washing mitt. In the long run, this will keep the bugs from sticking to the finish. 

2. Shine Your Headlights

A matter that deals with both the safety and aesthetics of your car, your headlights can and will get cloudy over time, thus, making them less effective. By simply wiping them down with toothpaste and rinsing them with water, you will work wonders on the power of your headlights. 

3. Polish the Windows

Lastly, keeping your windows clean will not only help your car to look nice, but it will also help you stay safer on the roads. While there are a number of ways to shine your windows, one of the easiest and least expensive methods is by using 1/4 cup rubbing alcohol, 1/4 cup vinegar, 2 cups of water, and a few drops of lemon essential oil. With this mixture, you will wash your windows, with the help of some old newspapers. 

Overall, in addition to keeping your car clean, one of the best things you can do to stay safe on the roads is to get good insurance coverage. For instance, Sage Insurance Services Inc. serves the entire area of Las Vegas, Nevada. Stay safe and call them today! 

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.

6 Essential Items for Las Vegas Drivers This Winter

If you live in Las Vegas, you probably don’t need to store a snow shovel in your car, but there are several other items that you will find handy this winter. 

  • Jumper Cables – The desert heat and lack of humidity makes battery fluids evaporate faster, and batteries are prone to die when the temperatures drop. Batteries that are meant to last several  years can surprise you by shorting out after just one or two.
  • Spare Tire / Iron – This is a year round must have. Especially with all the construction happening in Las Vegas, there is a lot of debris in the road that can wedge itself up into your tire, which always seems to happen when you’re in a hurry to an important place. Having tire sealant on hand (and knowing how to use it) is a good idea too.
  • Extra windshield wiper – Vegas heat is notorious for dry rot, and windshield wipers are a common victim of the desert sun. The wipers are prone to complete disintegration, which you aren’t likely to notice until the moment torrential rains are making everything outside your windshield completely invisible.
  • Multitool – Look for things specific to auto travel, like a seatbelt cutter, a window breaker, a screw driver, a flashlight, etc. In the desert, there is a higher chance of rain than snow and nowhere for the runoff to go, which is why a moderate sprinkle can cause several inches of water buildup on the roads.  
  • Auto Emergency kit – Many cars come stocked with everything from work gloves to tow rope. You can buy them, too.
  • Proper auto insurance – There’s no way to prepare for every single kind of emergency. Your best bet for those situations is to be insured against them. Head over to Sage Insurance Services Inc. to make sure you are ready for anything.

Auto Insurance Discounts As A Student

It is important to save as much money as possible on auto insurance. When you live in Nevada, there are discounts that are available to you as a student. Knowing about these can ensure you get the best rates out there. Not all companies offer them, and you may not qualify for all of them, but knowing what is available is half the battle.

Good Grades

Good grades can go a long way to helping you save on auto insurance. There are various insurance companies that will provide a discount, and how good your grades are will determine just how much your discount is. Some companies will even give a bonus discount if you are on the honor roll or make the dean’s list.

Low Mileage

If you can show that you don’t drive a whole lot, you may be able to qualify for low mileage discount. If you live on campus or close by, this may be all you need in order to receive a discount. When you are ready to get quotes, be prepared to identify how many miles you drive on a regular basis.

Defensive Driving

There are various defensive driving courses that can be taken, and this can help to drive the cost of insurance rates down considerably.

Clean Record

No tickets and no accidents will make for a clean record – and insurance companies look for this sort of thing. If you can maintain a clean driving record, it will show that you are low risk, and insurance companies will reward you with a more affordable policy.

At Sage Insurance we are prepared to help you find discounts as a student on your car insurance. Call today and let one of our agents work to find a policy for you in Las Vegas, NV.



5 Things You Need For Driving This Winter

When you’re driving in the winter, you want to be the safest you can be. There are some things you should have to ensure you are able to get the traction on the roads and take care of things on the side of the road, if needed.

Snow Tires
Snow tires are often forgotten. People view them as an expense that they cannot afford. However, it can be one of the best ways to avoid collision because it is going to provide you with the traction needed in snow and ice. It will allow you to stop your car faster, and handle turns better as well.

A flashlight should always be kept in your car so that you can see if you have to get out of your car. If you stop at night, there may not be enough city lights to see what you are doing.

Winter Gear
Don’t get caught outside of your car without winter boots, a warm jacket, as well as hat and gloves. Keep these in your trunk so that they are always available.

Defensive Driving Skills
You always need to have your defensive driving skills when you are driving. Keep a safe distance between the car in front of you. Remember that other cars may not be as safe as you are, so you need to account for what they may do.

Finally, you need to be as alert as possible. Keep your eyes on the road and make sure that you are trying to spot as many potential hazards as possible. This will help you to avoid issue as you approach them.

Contact us at Sage Insurance Services Inc. today to learn more about how to stay safe this winter, and throughout the rest of the year. We look forward to finding a policy to provide peace of mind when driving the roads of Boulder City.


Don’t Gamble with Your Car’s Performannce

The thrill of risk draws many to Las Vegas, NV, and some are so raptured by it that they never leave the city. While many people enjoy a pull of the lever or throw of the die, there is one thing you should never gamble with: your car. Neglecting routine auto care will negatively impact your car’s performance and leave you dangerously exposed to unwanted risks.

Take Care of Routine Auto Maintenance

Routine auto maintenance is not the most exciting aspect of owning a car. It’s an important aspect of owning a car, though. The details in your car’s owner’s manual about maintenance and care aren’t just to increase your service bills. They help keep your car performing at its peak.

Maintenance varies slightly from car to car. There are a few general maintenance items you should pay attention to, regardless of what make or model you drive, though. They are:

  • oil changes
  • brake inspections
  • tire rotations

If you’ve neglected any of these items recently, make sure to have them done soon.

Take Care of Auto Insurance

Just as you should look after your car’s physical care, you should also take care of its insurance.  If it’s been a little while since you last looked at your auto insurance policy, you might want to review your coverages.  If your circumstances have changed, they may need adjusting.  Even if you still need the same coverages, you might be able to find them cheaper from another insurance company.

We at Sage Insurance Services Inc. aren’t experts in auto maintenance, but our independent agnets are experts in auto insurance.  For help reviewing your auto insurance policy or finding a new one, contact us by sending us an email or calling our office.