Monday, 30 September 2013

How Car Insurance Calgary Companies Figure Out Your Insurance Premium - A Brief Overview

First and foremost, it is very important to understand what factors car insurance companies in Calgary consider when they price their policies. They use factors such as the type of car you own, where you live, your gender and age. While there isn’t much that you can do about your gender, age or where you live, there are a number of things that may be contributing to the high cost of your car insurance.

1. You own an expensive car
Cheap cars usually attract cheap car insurance in Calgary because the most your insurer will pay out is determined by the value of your car. Therefore the more expensive your car is, the higher the cost of your insurance premium.

2. Your car is more attractive to thieves
Without a doubt, there are some cars that are much more likely to be stolen than others. The insurance Bureau of Canada states that high end cars are the most targeted by criminal organizations. Insurance companies consider such cars a high risk and so they cost more to insure.

3. You have customized your car
Generally, if you have made any aesthetic or performance changes to your car, the cost of your insurance cover automatically increases. Some changes are considered low risk such as alloy wheels and tinted windows. However if you have made engine changes, for example, the likelihood of your car causing an accident is increased.

4. You have an imported or unique car
Car insurance in Calgary will cost more if you have a unique car or if it is imported. If you have a unique car, finding its spare parts may prove to be very difficult. On the other hand, if you have an imported car, the cost of repair could be expensive.

These are just some of the factors that contribute to the high cost you are paying for your car insurance. Fortunately, you can avoid paying too much for car insurance by shopping and comparing quotes online. This way, you can compare quotes from different car insurance Calgary companies and choose the one that suits you best.

Friday, 27 September 2013

Reasons To Switch Home Insurance Calgary Companies

There are many different factors that might make you want to leave your current Calgary home insurance provider. Many companies will offer you a loyalty discount, but sometimes you can just find a better set of circumstances at a competitors company. The following are just a few examples of reasons many people will change their provider of Calgary home insurance.

Increased Premiums

Having to spend more money on the same amount of coverage is a very big reason many homeowners go looking for greener pastures. Before going elsewhere, you should evaluate if there is indeed a reason for the increased premium. The number of filed claims will definitely cause the insurance company to raise your premium. If after your evaluation you find no reason for the increase, then you may want to start looking for a better deal with another provider.


Making a series of major renovations on your home is also a great reason to seek other insurance providers. Getting your amount of dwelling coverage increased after renovations is an excellent idea because you want to get full value for your home in case of an accident. The increased dwelling coverage will guarantee you full rebuild value in case you home accident is deemed a total loss. By staying with your existing provider and not increasing dwelling coverage, you will be in hole on a complete rebuild.


One of the biggest reasons homeowners switch insurance providers is of course money. Having more money in your pocket at the end of the month is something no one is willing to turn down. You should give your existing insurance company an opportunity to match any offer that a competitor offers you. Be sure that the coverage of the new company is equal or better to your existing coverage. By choosing to switch to a new Calgary home insurance provider you will hopefully be happier and save more money.

Thursday, 26 September 2013

Purchase Calgary Car Insurance on Your Terms

When you begin shopping for auto insurance Calgary, you may find yourself overwhelmed and frustrated with all of the options that are available to choose from. Between selecting your coverage and finding an affordable rate, it will likely just leave you confused. Additionally you may find that each insurance company you visit provides a different approach to insurance and the important parts of the policy. This is the primary reason that you should ensure that you are purchasing auto insurance on terms that you set.

While that may sound “too good to be true,” the fact is there are options available that allow you to set your own insurance buying terms. The first step is to find an agent or insurance company that will help you understand all the different aspects of a policy you are considering purchasing, prior to making your final decision. Also, be sure that the company will provide you with quotes that are both reliable and fast, which may be more difficult to find than you would imagine. Don’t be afraid to ask questions regarding rates, coverage and any other aspects that you do not fully understand.

The fact is, that taking time to gain at least a little bit of knowledge about the car insurance you plan to purchase is well worth the effort and time. Understanding the coverage will help put you in control of the situation when it comes time to make your purchase of a policy. Also, do not let any insurance company pressure you into making a purchase for coverage that you truly do not need. Finding a reliable and honest company will help you avoid this situation altogether. Once you begin shopping around, you will see the benefits that having knowledge about auto insurance Calgary has, and be thankful you took the time to become educated.

Wednesday, 25 September 2013

Edmonton Home Insurance: Your Key Element towards Property Protection

 Every Edmonton homeowner will need to fully understand the importance of protecting their investment. One of the best and most effective means for achieving this goal is through the use of a Edmonton home insurance policy. This will help to provide a good way towards the prevention of high costing damages from various outdoor elements.  Sharp Insurance is very aware of this type of issue and offers homeowners the right kind of property coverage for any damages to the home and its contents. 

Purchasing a home can be quite an expensive investment and it will require plenty of care and concern to maintain its value. However, no one can predict the future or a means of disaster from ever occurring. One sure way to prepare for such an issue of this nature is with home insurance coverage. These local insurance companies in Edmonton offer the kind of protection that will benefit the homeowner regardless of what damages happen to their property.

These insurance companies offer several different kinds of home insurance option for coverage and with affordable rates as well. They will provide various quotes that homeowners can choose from in order to find the right type of coverage that will suit the finances of the property owner’s budget.

Get Edmonton home insurance quotes!

The basic reason for purchasing home insurance is to protect your property investment and provide a fine means for maintaining its value that will last well into the future. This is what you can expect when buying this type of coverage from these local insurance companies. 

If you own your home or are planning to purchase one soon and want to find the most reliable way to protect your property that will benefit you financially, then this is easy to achieve through the policies that are available from Edmonton home insurance companies, making them a sure valuable asset that every homeowner can appreciative. 

Tuesday, 24 September 2013

Calgary Car Insurance SW Quotes Can Include Strong Discounts When Using Sharp Insurance

You'd be amazed at the variety of Calgary car insurance SW discounts you could qualify for. Many insurance companies, such as Sharp, are willing to provide you with a large variety of discounts relevant to your driving behaviors or even the ways how you maintain your policy. The competition for your hard-earned dollar has never been stronger and more companies are offering more discounts than ever before.

First, SW Calgary car insurance plans may involve deals for those who are good drivers. People with clean and safe driving records are often more likely to get reduced insurance rates. That's because they are less likely to be threats on the road as they drive around. They are not as likely to break laws or harm others in their cars.

Some additional discounts may be available based on your driving records. You might think that it's unnecessary to get car insurance if you don't drive often. Fortunately, many companies agree and will give you quotes that involve low-mileage discounts where you pay less if you drive less.

If you are keeping your car safe with plenty of security and safety features then you'll definitely be helped out a bit. While some might think you're being overly protective, many Calgary auto insurance SW companies will give you a discount on your insurance. You can get discounts for having passive restraint systems, anti-lock brakes, alarm systems and many other things used to protect your car.

You can even get a discount if you complete a defensive driving course. It might not sound that fun but the savings you'll get from it will be to your benefit.

You must see that you are getting the right discounts on your car insurance. Your Calgary car insurance plans can entail many discounts that are relevant to all the ways how you can protect your car and your driving record.

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Monday, 23 September 2013

Calgary Auto Insurance Brokers - Things You Should Know In Order To Get The Best Rate

If you are looking for Calgary auto insurance there are a few things to bear in mind before you make a decision. Let's be honest, auto insurance is what is known as a distress purchase - something you don't want, but have to have - so it's tempting to look for the cheapest on the market. However, this may not always be the best solution.

A locally based insurance company will often provide the best cover at a fair rate, since it is familiar with the area and can adjust its rates according to conditions prevailing locally. For instance, a national company may base its premiums for a city dweller on national figures, whereas a local company will know that Calgary drivers aged 25 - 50 are a better risk than other cities and reduce their premiums accordingly.

Rather than spend hours searching online, it is a good idea to use the services of an auto insurance broker. A broker will be very familiar with the marketplace and will often know instinctively which of the many insurance companies will be able to provide the best deal for you. Even if he can't pinpoint one straight away, he will know which companies are likely to have the best product for you and will therefore only have to search through a handful of them.

Of course, the type of car you drive will affect the premium also. If you hit something rather hard with a Porsche or Bentley the cost of the repairs is going to be considerably greater than if you were driving a Nissan. Furthermore, car thieves would probably rather steal your Porsche or Bentley than they would a Nissan as well.

Another way to reduce costs is to consider reducing your deductible. This is the amount that you have to pay before the insurer will step in and cover the balance of any claim. If you opt for, say $500 instead of $150 you should find that this will make quite a difference to the premium. However, you need to be comfortable with the fact that you will be paying the $500 in the event of an accident.

Consider asking the broker if the insurance company will offer a discount. Calgary auto insurance premiums may well be reduced if you also cover your other insurance needs, such as home insurance, with the same insurer. In addition, premiums may be reduced if you have a clean driving record and you install an anti-theft device if the vehicle does not have one. The worst that can happen is that the company says no, so it is always worth asking.

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Friday, 20 September 2013

Auto Insurance Brokers Calgary - Some Advice On Loss Prevention

One of the big things that auto insurance brokers Calgary help their clients with is loss prevention.  Loss prevention covers a lot of things, from theft prevention to dealing with accidents as they arise.  Certain elements of loss prevention you can handle on your own, and others may require the help of a professional.

Probably the easiest way to protect yourself against loss when it comes to your driving habits is to be a rule-follower.  This may sound cliché or even obvious, but yet so many people fail to follow basic laws and rules of common sense in handling their vehicles, and this results in a lot of accidents and a lot of increased Calgary auto insurance premiums.

For instance, texting and driving.  Distracted driving laws have been in place for a few years now, but this remains almost standard practice, particularly for younger drivers. If you get a ticket for distracted driving, this can have implications for the types of Calgary car insurance quotes you will be looking at.  Many don’t seem to realize how dangerous this can be, and what the statistics say about the number of accidents caused by this practice alone.  Sometimes loss prevention is simply about understanding that there are real risks and real life and death stakes to driving, and acting accordingly.  If you’ve always texted while driving it might feel like this sort of thing can’t happen to you, but it can.

If you’ve been involved in an accident, it’s important to not admit liability and to call the police right away.  This is another huge part of loss prevention that a lot of people don’t follow.  By admitting your liability or trying to settle things privately, you may find yourself in a lot more trouble than the accident, by itself, would have caused you.

Of course, these are all just rules of thumb.  On a case by case basis it’s important that you get in touch with an auto insurance broker Calgary that you can trust.  At Sharp Insurance, our brokers are dedicated to providing you with excellent advice, and ensuring you always know what to do no matter what type of situation you are confronted with.
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Best Auto Insurance Companies Calgary - More On Sharp Insurance’s Response-Ability Program

It’s often difficult to establish exactly who the best auto insurance companies Calgary are, but a good place to start is to find the ones who are going above and beyond the call of duty to help out their local communities.  

Sharp Insurance is a good example of this.  At Sharp, we offer what we call the Response-Ability Program.  The basic idea is simple.  With this program, you can help us donate to charities by receiving a free auto insurance Calgary quote.  Just by requesting a quote from us, we’ll automatically donate $7 to a charity of your choice.  If you decide to sign up based on what you see in the quote, we’ll donate $50 to charity right there.  

We like raising money for charities, we are proud to have a business model where it is easy for us to give back to our local communities, and where it is easy for our clientele to contribute... even if they aren’t our clientele yet.  This is also an chance for you to give back simply by shopping for car insurance in Calgary.  You don’t even have to buy anything to be making a small difference.

The response-ability program is not the only way we help out in the community, however.  We also donate resources and time wherever and whenever we can.  We sponsor local events, such as golf or bowling tournaments, and we adopt projects such as the 24 Days of Giving initiative for United Way, which raises thousands of dollars each Christmas season.

At Sharp Insurance, these initiatives express our pride in being able to offer a service in this beautiful city, province and country.  We believe every local business should incorporate these types of offerings.  The response-ability program also reflects our commitment to doing right by our clients.  If we are this committed to the community, you can rest assured that we are doing everything we can for you.
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Wednesday, 18 September 2013

Auto Insurance Companies Calgary - How Sharp Insurance Is Changing The Way People Buy Insurance

Auto Insurance Calgary

There are a lot of auto insurance companies Calgary out there, but not all of them are working from a particularly modern business model.  These days, information moves faster than ever and industries are changing to accommodate this.  The car insurance industry is no different.

Not only does information and data flow faster, but the way people access information is different.  Twenty years ago, it was still common to be in personal contact with an insurance broker at all times.  Now, that contact still needs to happen for you to get the best possible insurance policy, but the way you stay in touch with your broker has changed.  Instead of calling them, you can interface with your broker and your policy using mobile apps or even social networking.  This brings the insurance game into the 21st century, and allows you to feel more in control of what you're doing when you are buying Calgary auto insurance.

At Sharp Insurance, we understand the pace of modern life.  We understand that getting a great deal on auto insurance in Calgary is as important as ever, but that many would like to accomplish this result in a streamlined, efficient manner.  Our business is shaped around ensuring our customers get the best possible policy in a way that makes sense, and leaves them feeling confident.

We also make it easy for you to track all of your policy information over time, as well as to alter your policy, or submit claims, all with an easy-to-use online insurance app.  A lot of our customers are giving us great feedback about the app, as with other brokers learning about the status of your policy often involves a phone call or even a series of phone calls.  With us, things are a lot easier.

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Tuesday, 17 September 2013

Calgary Motorcycle Insurance Quote - Why Sharp Insurance Quotes Are Quick and Easy

Calgary Motorcycle Insurnace

So you are looking for a Calgary motorcycle insurance quote, right?  As you know getting insurance for motorcycles can be a little harder than typical car insurance.  Insurance companies don't really like high risk stuff and riding a motorcycle is considered high risk.

The good news is that you can get the best motorcycle insurance rate in Calgary by visiting Sharp Insurance.  Sharp is one of the fastest growing insurance providers in Western Canada and for good reason.  They are making it easier than ever for you to get a quote online.  Plus, they make sure you get the best rate possible.

Not only that they also provide you with a very cool mobile app that allows you to view your insurance policy at anytime.  Sharp believes in innovation and using technology to make your life easier.

Why go the traditional insurance route?  Why not give Sharp a try today?

Sharp also provides Home insurance and car insurance in Calgary as well.

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Monday, 16 September 2013

Auto Insurance Calgary - The Ins And Outs of Car Insurance

Given that car insurance is required by law, everyone feels like they know a bit about it.  Chances are, your first auto insurance Calgary policy was purchased for you, or was purchased in a hurry, and you didn't have a lot of time to go through your options or to actually understand what you were buying.

This is a common story, but after a while, it's nice to be able to understand what you're paying for.  The reason this is important is simple: a) you should make sure you aren't buying more car insurance than you need, b) you don't want to be overpaying for the policy that suits your needs, c) you also don't want to be underinsured, which can be a disaster if the wrong circumstances happen to arise.

Probably the biggest factors involved in buying Calgary auto insurance is simply understanding your needs.  Luckily, your vehicle will determine your needs to a large extent.  You can often determine how much insurance you want based on the type of vehicle you are driving.

One of the things we pride ourselves on at Sharp Insurance is making sure everyone is settled in with the right policy for them.  Shopping for insurance is a bit like buying a house: you're making a commitment and you want to make sure what you buy is just right.  That's our specialty.

If you want to look into some more general info on car insurance before you begin the actual shopping process, this website may prove helpful.

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Thursday, 12 September 2013

Calgary DUI Car Insurance - Finding Insurance After A DUI

Locating reliable, affordable DUI Calgary car insurance can be a challenge.  Your quest for the perfect insurance policy may take on an element of added complication if you’ve recently received a DUI, but that doesn't mean you need to despair or give up.  Although many insurance companies will hedge their bets, and you may find it difficult to locate a policy that takes your needs into account (and is still financially feasible at the end of the day), there are options out there that will be right for you.

With Sharp Insurance, we make sure that everyone who comes to us for insurance gets a look at a policy that is right for them, regardless of the circumstances.  Our agents are able to use your driving record and history and put together a custom policy to suit your needs, whatever they happen to be.  We can provide you with a quote based on the information you give us, and you might be surprised with what we come up with.

If you’re still a bit skeptical about your ability to track down insurance in the wake of a DUI, check this article out.  There is a lot of good information about getting your insurance situation back on track.  Articles like these help you realize others have been through a similar scenario and there is a way to get your life back one step at a time.  Insurance is a good place to start, and we can help.  Let us help you with a free Calgary car insurance quote.

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Wednesday, 11 September 2013

Calgary Car Insurance - Why An Online Quote Is A Good Idea

There are a lot of different opinions out there when it comes to getting an online quote for your Calgary car insurance.  Everyone has an opinion.  Sometimes you hear online quotes are simply unreliable or don't give you accurate information.  Or that everything will change when you actually go to purchase the insurance that has been quoted for you.

This might be the case with some car insurance agencies out there, but it is not so with Sharp Insurance.  Our quotes are accompanied by information that will help you decide whether this type of insurance is right for you.  There are also plenty of agents you can speak with, who are great at ensuring you have the education you need to make a strong decision on auto insurance.

An online car insurance Calgary quote can be a great thing as long as you are looking at the right company.  Sharp Insurance places an emphasis on education so that our clients know they are getting exactly what they need.  You know that nagging feeling you sometimes get when buying insurance, like you got more (or less) than you need?  That's what we want to eliminate.

It's always a good idea to educate yourself as much as possible also.  This website has a lot of helpful information to get you started.

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Tuesday, 10 September 2013

Calgary Auto Insurance - Buying Insurance On Your Terms

When you're in the market for Calgary auto insurance, it's easy to get bogged down with all of the options at your disposal.  Everywhere you go seems like they provide a different approach.  That's why you have to make sure you are buying insurance on your terms.

That may sound difficult, but Sharp Insurance has solutions.  We're an insurance company that wants to make sure you understand everything you need to know before you make a decision.  Our quotes are both fast and reliable (a combination which is more rare in this business than you may think), and we cover the essential bases with you so that you're thinking clearly about what your options are before you buy.

You've probably heard that a little bit of knowledge will put you in control when it comes to buying insurance, but maybe that sounds like too much work.  It's not.  Getting educated about Calgary auto insurance doesn't have to be difficult.  It's something our insurance agents can help you with right away, framing your insurance situation so that it's easy to understand.

If you are in the market for Calgary auto insurance quotes, try us out.  We know what we're doing, and you'll get a refreshing take on what you really need when it comes to car insurance.

Caglary Auto Insurance

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