Happy 4th of July from Heuer Insurance!

Happy SUMMERTIME from your friends at Heuer Insurance,  we hope you’re spending some time outside and enjoying the weather.  Northern Nevada is so fortunate to have 4 distinct seasons so be sure to get out and enjoy them all.

It’s just so heartwarming to see Nevada’s economy coming back so strong.  People are back to work, spending money, improving the economy and we continue to hear good news about big companies such as Google, Apple, Tesla, Switch and many more moving to Nevada. This is great news as they are anticipated to bring thousands of additional good paying jobs to the area.  Houses are being built and sold quickly, existing inventory is low due to all the new people moving to town.  While all very exciting, it comes with an increased danger of road safety with so many new people on the roads.  As anyone driving the roads can see (or feel), there is an abundance of road repair that has to be done in the good weather, even more of a reason to be careful out there!  Remember our blog a month or so ago that discussed the dangers of following a vehicle towing a trailer, or a pickup truck with all sorts of equipment in the back?   Just this week I came across a pick up with a huge load of plywood in the back…I no sooner saw that truck and moved over 2 lanes to get out from behind him…  as you guessed it, the whole load ended up on Highway 395!  I never saw anything in the news about any accidents it caused so here is hoping everyone went home safe after that one.  It’s good advice NOT to follow one of these vehicles.

Speaking once again on the economy, I want to use this opportunity to remind all of our faithful readers and clients that our agency is licensed in MANY States across the country. If you find yourself relocating or have friends moving and mention to you they need to find a new insurance broker please give us a call. We are licensed in the following states: Nevada, California, Arizona, New Mexico, Washington, Idaho, Oregon, Utah and Tennessee and would appreciate the opportunity to help make your or their move easy. Or better yet, call your agent at HIA and give them your friends contact information and get entered into the agency’s $100 monthly referral program! There have been a lot happy customers over the years since we introduced this fun referral program and we love making the call to the winner! For more information on that, visit https://www.heuerinsurance.com/refer-a-friend/

And we will end by congratulating the staff of Heuer Insurance for banding together and adopting a park in Sparks!  What a great way to show our community involvement and we had a good time helping clean up the DeAndrea park in Sparks.  Well done Team Heuer.

 

How to Create a Great BBQ Party

Summertime is one of the most popular seasons to BBQ with friends and family. Whether it’s grilling at your local park or in your backyard, gathering with friends and family on a sunny day always is a memorable event. What makes a BBQ party great? We give simple suggestions of how to create a party you and your guests will remember!

 Create a Signature Drink 

  • Whether a great cocktail for the adults or fresh squeezed lemonade for kids, creating a signature drink for your BBQ party adds fun to the environment. Making one signature cocktail is much less work than playing bartender throughout the entire day. Think: sangria, mimosas, margaritas or Moscow mules. Many times you can make big pitchers to lessen the work load.

Prep in Pieces 

  • Instead of trying to do it all in one day, strategically plan to prep in pieces. Have one day where you just go to the grocery store. The next day, chop and prep your produce or make a side dish that can sit in the refrigerator overnight. On the day of your BBQ, setup your table or decorations.

Simple Entertainment 

  • One of the most simple forms of entertainment at a party is good music. Pick out a playlist or stream Pandora through your outdoor or bluetooth speaker. If you want to provide more entertainment, create an outdoor game competition like ladder golf, bocci ball, volleyball or corn hole. Squirt guns, a football/soccer ball or arts & crafts are easy to keep kids busy for hours.

Pick a Theme 

  • Theme parties can be even more memorable! Plus, you can match your food to your theme. If you don’t want to cook all of the food yourself and prefer a potluck style, give suggestions to your guests so they know exactly what to bring to fit your theme.

Buy Plastic Containers 

  • Obviously BBQs with plastic silverware and plates work great for easy cleanup but what about providing plastic take away containers for your guests? Especially if you have a lot of food leftover, plastic containers are a great way to share your food for another day. This also saves space in your own refrigerator! Ask your guests, “what food can I send you home with?”

While throwing a great BBQ party can make for great memories for you and your guests, being properly insured for any unexpected liabilities is also important. The good news is that umbrella insurance policies are relatively inexpensive. Contact an agent at our office for your personalized umbrella insurance quote today. Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.

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Do You Know What Determines Your Car Insurance Rate?

We bet you’ve wondered how car insurance premiums are calculated. Do you ever have discussions with friends of similar age and driving history and find you’re all paying very different premiums for what would appear to be similar coverage?

Insurance premiums are based off of many factors, all of which play a role in your total premium for your auto insurance. A single difference of any of these can give dramatically different outcomes. Some factors insurance companies use to calculate premium can include:

  • Gender, age & marital status
  • What’s your past driving history?
  • What’s your claim history?
  • Your Zip Code where the vehicle is garaged
  • Your credit score
  • How many miles you commute
  • Will you or do you have other policies with the same insurance carrier such as home or renters insurance?
  • Are you currently insured?
  • What types of overage do you want? What limits?
  • What limits did you have on your previous insurance policy?
  • Type and age of vehicle being driven (think safety equipment)

Insurance companies do their best to determine a premium for your situation and calculate a premium that will be profitable for them. It may surprise you to know that many insurance companies try to earn just a few cents on each dollar of premium they collect.

While it is impossible to guess what you are going to be paying each year, you can improve your odds of getting a great rate and terrific coverage by calling a local independent insurance agent. Heuer Insurance Agency represents multiple insurance companies, so we can provide you with comparison quotes from several of the top insurance companies in your state.

If you have questions about your car insurance, call the agents at Heuer Insurance Agency. Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.