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.

 

3 Common Causes Of House fires

What’s your greatest nightmare as a homeowner?

If unexpected disasters like house fires top your worry list, that’s no surprise. those are valid concerns, even if you do have homeowner’s insurance from Sage Insurance Services Inc.

In 2015, 3280 deaths occurred as a result of house fires in the US alone. In a dry climate area such as Las Vegas, NV, the fire risk is significantly higher. Here are the top 3 common causes of house fires.

1. Cooking Accidents

Have you ever left your stove or oven on unattended?

Its an innocent mistake: You figure you’ll just step outside or to the next room for a second while your meal is cooking. An open flame or an oven left on is never safe if unsupervised, though.

If you’re cooking, stay in the kitchen until your stovetop and oven are off. Also, don’t attempt to fight a kitchen fire yourself unless you have a fire extinguisher on hand. Never fight a grease fire with water.

2. Faulty Appliances and Bad Wiring

Is the wiring in your home up to code?

The second most common cause of house fires is an electrical issue, either due to a faulty appliance or bad wiring. Large appliances such as clothes washers are major culprits.

Make sure your wiring is up to code by hiring a certified electrician to fix any wiring issues if they arise. Never do the rewiring yourself.

Also, prevent nighttime fires by not running major appliances right before bedtime. According to this house fire statistical data, 50 percent of house fires happen during the night. Most nighttime fires yield bedroom fatalities. Before going to bed, turn off all major appliances such as clothes dryers, and disconnect any unnecessary power strips around the home.

3. Open Flames

Do you light candles around your home sometimes?

If so, make sure they aren’t left lit in risky places. If you leave the room, blow out the candle. Most importantly, don’t leave the candle within easy access of pets or children.

Does your Las Vegas, NV home insurance offer a generous house fire policy? Even if you take preventive steps, your home can be susceptible to this type of devastation. A robust home insurance policy can mean the difference between a tragedy and a temporary setback. If you haven’t already, contact a helpful agent at Sage Insurance Services Inc. to explore and buy coverage that will give you peace of mind in your home.

 

________

Sources:

Residential Fire Statistics Infographic

https://www.firedex.com/blog/2015/08/06/residential-house-fire-statistics-infographic/

 

US Fire Statistics:

https://www.usfa.fema.gov/data/statistics/

 

NFPA Report: House Structure Fires:

https://www.nfpa.org/News-and-Research/Fire-statistics-and-reports/Fire-statistics/Fires-by-property-type/Residential/Home-Structure-Fires

Motorcycle Deer Season Tips for Las Vegas Riders

Motorcycles riders in Las Vegas, Nevada are used to the large amounts of wildlife in their area and have learned to be wary on the road, as this can result in an accident that causes damage and minor injury at the very least, if not worse. However, deer season is an especially dangerous time, where herds of deer are prone to mindlessly crossroads directly in front of motorcyclists. If you hit one, it could mean serious injury or death, so here are some tips for motorcyclists when riding during deer season in Wheat Ridge, Colorado.

Spread Out When Riding in a Group

Motorcyclists often enjoy riding close together on the road. Don’t do this during deer season, as one of you may hit a deer or stop short to avoid hitting a deer, which will cause all of you to crash together and cause a painful, costly and dangerous accident.

Have Proper Insurance 

While it’s not inevitable, there is a higher likelihood you will hit a deer during this time of year. So make sure you have good insurance for yourself and your bike. Sage Insurance can help find you a policy that works for your needs, as they serve the greater Las Vegas, NV area.

Wear a Helmet

Even though it is Colorado law to at least wear a partial helmet, many motorcycle riders break the rules, because that’s part of riding a motorcycle. Yet if you hit a deer without a helmet, you’re most likely going to be badly injured if not killed.

One Deer Often Means Many More 

Where there is one there are often others following, so keep this in mind when you see a deer ways up in front of you.

Also, not speeding allows you to stop more quickly and have better control of your motorcycle. Just be mindful of this during deer season because you may have to stop at any time.

Contact one of our independent insurance agents at Sage Insurance and let us help you find the right coverage for you.