Here at Sage Insurance Services Inc. of Las Vegas, we want to make sure our clients have the absolute best coverage at all times. It is our job to ensure that you feel safe and taken care of as customers. One of the things that can help you stay at the best position possible with your coverage is occasionally updating your policies. While you may have started on the best plan for you, there may be an even better option for you now!
Regardless of the type of policy, over time things in your life change that could affect your insurance coverage. If you have made changes in your home that add safety features or substantial value to your home, your current policy could be out of date. Reevaluating could find you a cheaper rate, better coverage, or even discounts to add. A better premium is always a bonus, but making sure you are adequately covered could save you even more. If you have made a new large personal purchase or added on to your home, you don’t want to wake up one day to find that those things weren’t covered on your initial policy.
The same goes for your auto insurance. If you are thinking about purchasing a new car, check into how this will affect your premiums. Once you have made the purchase make the update immediately! You don’t want to drive your gorgeous new car one single day without making sure that it is 100% covered! New drivers in your household mean an update too. Teen drivers can increase your premium by quite a bit, but they can also qualify for discounts like a “Good Student” or “Drivers Education” discount.
What is available to you at any given point can change or fluctuate with your own life and you owe it to yourself to keep all your insurance policies up to date. If you don’t ask you’ll never know, so make sure to give one of our fantastic Sage Insurance agents a call to see what they can do to help you make your policies work better for you!
Everyone loves a great multi tasker so why not try to find alternative uses for your favorite household cleaners? There are more uses for common household goods than you might imagine and knowing what they are can help save time and money.
Dish soap can double as a grease remover in your laundry. Dish soap is formulated to help remove grease from plates and other dishes which means that when used in the wash it attacks grease stains and helps to life the fats that are in the grease out of your clothes quickly and easily. Similarly, vinegar can help remove nasty stains from clothes and peanut butter can remove gum.
Another cleaning product that pulls double duty is lemons. These can be used to help scrub away stains in pots and pans and can also work as an air fresher in your trash and garbage disposals. This fragrant fruit is great for adding a bit of a fresh smell to any room and can help make your life easier. The acid in the juice of a lemon can attack stains and when paired with something like baking soda it has even more cleaning power.
Have a broom duster, the pads can be used as cleaning cloths as well. Instead of buying a duster and a dusting broom buy just the broom and use the wipes to help remove dust from surfaces all over your home. These duster wipes can help collect dust and make your job tons easier without having to buy a million different cleaning products. No matter what products you use Sage Insurance Services Inc. wants your job to be easier so why not take a few short cuts. These are just a few multipurpose items, you can use them for just about whatever you want.
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.
WASH AND WAX EVERY WEEK
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.
OLD NEWSPAPER ON THE MIRRORS AND WINDOWS
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.
BUY A HAND VACUUM
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.
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!
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.
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.
Living in Las Vegas, NV you thankfully don’t need to worry about hurricanes, but for most other weather disasters, there is always a possibility. From snow storms to flooding, Sage Insurance Services Inc. wants to make sure you are covered and ready for any disaster. The more prepared you are, the safer everyone is inside of your home and the less damage the home may sustain. These easy to follow tips should set you down the right path to home and family protection.
Cold-Prep the House
In the event of heavy snow fall, there’s not much you can do to prevent it from falling onto your house. That doesn’t mean you can’t do anything, however. Insulate your pipes to prevent water from freezing in the event of a power outage. install new weather stripping around doors and windows and fill in cracks around the foundation of your home. It’s also best to have your roof inspected annually. Heavy snowfall quickly exposes problems a roof has due to both the moisture and weight.
Sandbags on the Ready
Have a box of sandbags at your disposal. Keep it in your garage for when necessary. After a heavy rainfall, flash flooding can occur. Create a barrier around openings into your home, such as your front door and garage.
It might sound odd to include landscaping as a way to disaster proof your home, but it is a major task to handle. Look for any trees, bushes or other landscaping that is dead or dying. In the event of heavy winds these branches become dangerous projectiles. Even the smallest branch can smash a window, cause vehicle damage or injure an individual. Thankfully, you only really need to do this once during the year to protect your home.
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.
When thinking of Las Vegas, most people don’t think of it snowing. Truth is, it does snow in Las Vegas sometimes, especially in the surrounding mountainous areas. Because of this, you must make sure that your teen is ready to drive in the snow. Fortunately, there are many helpful tips you can share with your teen driver about staying safe in the snow when driving.
First and foremost, you need to explain to your teen that when driving in the snow, it’s important to slow down. Speed limit signs don’t apply when weather is hazardous, and this includes when driving in foggy or rainy weather, as well.
Put it in 4WD
Next, if your teen is driving a vehicle that is equipped with 4WD, you will need to show them how to put it from 2WD into 4WD. Switching the vehicle over to 4WD when driving in the snow is the best choice to make because all four wheels will be turning, thus giving the vehicle much better traction.
Check the Tires
Regardless of whether or not you instruct your teen to check his tires before driving in the snow, you should check them, too. You are responsible for your teen, and this includes making sure he has a safe vehicle to travel in. If the tread on the tires is below 6/32", you’ll either need to invest in new tires or find a different vehicle for your teen to drive in the snowy weather.
For more safety tips on driving in the snow in Las Vegas, please contact the Sage Insurance Services Inc. today.
When you live in Las Vegas, there are some safety tips that you should now as a pet owner. Knowing these will help to keep your dog or cat significantly safer, especially during the summer months.
#1: Get Creative with the Water Situation
Get creative when you put water down for your pet. Remember that it’s going to get hotter, and if your pet knocks over their dish or they drink it all, you want to make sure that they still have plenty. You can buy a dish that has a dispenser attached to it, or you can place multiple dishes around the house.
#2: Buy Paw Protection
Paw protection sound silly, but your pets need to have some kind of protection on their feet when they walk on the hot concrete.
#3: Invest in a Life Vest
If you enjoy boating, you probably want to bring your pet. Invest in a life vest that is meant to fit them properly, and pay attention to the weight of your pet versus what the life vest is made for.
#4: Get Your Pet on Preventative Meds
Take a trip to the vet to get your pet on some preventative medication for heartworm as well as flea and tick control.
#5: Avoid a Parked Car
You may be running into the store for “just a minute,” but you never truly know how long you are going to be in there. Leaving your pet inside of a parked car can be extremely dangerous, and cost your pet its life. As your dog pants, all of that hot air is going to get trapped inside and they could potentially suffocate.
Call us at Sage Insurance Services Inc. today. We’re happy to help you obtain quotes, make comparisons, and answer questions you have about home insurance in Las Vegas.