Thursday, 25 September 2014

Where to Get a Free Edmonton High-Risk Car Insurance Quote

If you have been labelled as a high-risk driver, then you might wonder where is the best place to receive a free Edmonton high-risk car insurance quote. The truth is that there are more insurance companies willing to give you a second chance than you might think. Sharp Insurance is among them.

Unlike what you believe, being a high-risk driver is not the end of the world. Certainly, it means that you have to pay higher premiums than normal, but with a bit of patience, there is no reason why things should not go back to the way they were eventually. Here's something to cheer you up: Did you know that you can lose this label within two years of keeping a driving record free of accidents and infractions?

Think about it for a moment: Being labelled as a high-risk driver is, in a way, a second chance for you. Regardless of how many accidents you have caused or how many infractions you have been accused of, it is never too late to change your ways. Driving is both tricky and dangerous. You should not think of being a high-risk driver as a punishment but more as a way to better yourself.

Because driving could kill you.

So to answer your question, Sharp Insurance offers high-risk drivers free insurance quotes in Edmonton or surrounding areas. If you are interested, you can request one on our website. We believe that everyone is entitled to a second chance -- you included.

Don't let your mistakes dictate the direction of your future.

Saving Money on Your Lethbridge Home Insurance Policy -- Is It Doable?

As you probably know by now, Lethbridge home insurance coverage can be expensive. While there is no doubting its efficacy (or the need of it), sometimes monthly premiums become a burden. What do you do when you begin to struggle paying those premiums? Find a way to lower them, of course!

Now you might think that lowering your premiums is not possible -- but it very much is so. What most people fail to understand is that premiums rely heavily on the number of risks associated with your house.

As an example, a person who smokes is most likely to pay higher premiums on their home insurance policy than a person who does not smoke. Do you know why? Because a person who smoke could well end up burning their house down -- costing their insurance company a lot of money in the process.

Now we're not asking you to stop smoking (although it would be nice if you did). We're just asking you to think outside of the box. Does your house have a security system? You'd be surprised at how much money you could save on your premiums by buying and installing one.

What most people also fail to understand is that the lower your deductible is, the higher your premiums is. While we don't recommend raising your deductible unless you are 100% certain that you can afford it, doing just this might prove to be a nice short-term solution to your problems -- assuming that nothing happens to your house in the meantime, of course.

Still unsure of how you could save money on your home insurance premiums? Talk with your insurance broker -- he or she is bound to have a few ideas to share with you!

Friday, 19 September 2014

Keeping Your Motorcycle Safe in Grande Prairie

Do you own a motorcycle? If you do, then keeping it safe and away from preying hands should be your main concern. Motorcycles are expensive and as such are the prime targets of both thieves and vandals in Alberta and Canada.

While being covered under a Grande Prairie motorcycle insurance policy is very important, prevention is almost as important. Here are 3 tips that might help keep your motorcycle safe in Grande Prairie:

1. Don't make it obvious. Thieves steal what they see. If they can't see your motorcycle, they won't steal it. Simple as that. At night, always remember to hide it somewhere secure. If you don't have a garage, a shed might work. When you're in town, always  be sure to park your motorcycle in a guarded parking lot or in the angle of a surveillance camera. Or if you prefer, you might also want to keep an eye on it by parking it in plain sight! (Ideal for when you're shopping, for one.)

2. Make it harder for thieves to steal it. Go as wild as you want on this. Add locks and security systems, chain it to a lamp post, add more locks -- whatever you think will keep your motorcycle safe. The key here is to buy time and to discourage thieves away from your motorcycle. 

3. Install an alarm. And make it ring loud! (Or if an alarm is too expensive, stickers might work too.) While sometimes theft is inevitable, remember that thieves target the vulnerable ones for the most part. If you constantly keep the safety of your motorcycle in your mind, then the chances of it being stolen will be greatly reduced.

Monday, 15 September 2014

Builder's Risk Course of Construction in Calgary: What Does it Not Cover?

As a construction worker, being properly and adequately covered under insurance policies is a must. Failing to be so has the potential to impact your profession negatively -- and sometimes, it can even lead to you being sued.

If you live in the Calgary area, then being covered under Calgary construction insurance policies should figure high on your list of priorities (assuming that you are not already insured, of course). You will find that construction insurance policies come in all shapes and sizes. Depending on what you are looking for (and in what you specialize in), you might need a builder's risk insurance policy.

The latter is a policy that covers the building that you have been contracted to build against perils that could endanger said building. Think fire, lighting and vandalism among other things. Because this type of policy only remains in effect while a building is in the process of being built, it is referred to as a "course of action".

While a builder's risk course of action policy covers a property against a number of perils, it is good to remember that it is not a property insurance policy. As such, many exclusions exist within this policy, including faulty materials, faulty workmanship and latent defects, among others.

For some people, however, this policy is an absolute must -- especially when coupled with other construction insurance policies. If you are unsure whether or not you might benefit from this policy, we encourage you to discuss it with your insurance broker or to request a free insurance quote from Sharp Insurance. 

Friday, 12 September 2014

Driving Tips for Red Deer New Drivers

Driving can be intimidating at first. The truth however, is that driving does not have to be a burden. If you are a new driver in the Red Deer area, then knowing exactly what to expect before hitting the road for the first few times is extremely important.

Not that we want to scare you, but did you know that new drivers experience the highest number of accidents within their first two years of driving? In other words, those two years play a huge role in teaching you how to react to certain situations. As a driver, it is your responsibility to ensure that you learn from your mistakes. Repeating them could prove to be extremely costly.

The first thing that you will need to do is look for a Red Deer new driver insurance quote online. This will give you the opportunity to concentrate on bettering your techniques instead of worrying about the possibility of getting in an accident.

Because that's right -- you might have to go through a few minor accidents. But the good news is that you don't have to (or at least you don't have to cause any). This is when driving tips come into play.

You might own a driver's license, but that does not mean that you should forget everything that you learned along the way. As people become more and more comfortable behind the wheel, they sometimes begin to neglect basic safety standards. As a new driver, it is imperative that you do not allow yourself to fall into that category. From remembering to buckle your belt to avoiding tailgating the car in front of you, basic safety standards can often be incredibly dangerous to ignore.

Also remember to take it slowly -- and that it's okay if you don't feel like doing something yet. Just because you are allowed to drive does not mean that you are ready for a roadtrip across the country! :-)

Grande Prairie Commercial Insurance Coverage: The Importance of Keeping Your Business Data Safe

We said it before and we will keep saying it -- owning a business comes with a wide array of challenges. This is neither new nor surprising.

If you currently are the owner of a business in the Grande Prairie area (regardless of its size), keeping it secure should be one of your main priorities. As you probably already know by no there are a number of ways to do so. From purchasing a Grande Prairie commercial insurance policy to actually securing your properties, being wise in that regard has the potential to save you a good amount of trouble down the road.

While securing your business usually entails securing many different aspects of it, one of the most important aspects that should never be overlooked is your business' data. With today's regulations regarding data, a business that fails to secure its data properly puts itself in a very dangerous situation.

Consider this: Data is more than a simple word. As a business, you have to carry the burden of keeping your customers' data secure. Should the latter fall in the wrong hands, then you will have to pay the consequences -- and trust us, it's not something that you want to experience.

Because that's right -- data is supposed to be confidential. It is the banking information of your customers, it is their home addresses, their phone numbers. Failing to keep this information safe can prove to be fatal to your company, regardless of whether or not you were insured to begin with.

Fortunately, keeping your business data safe is doable. In a future post, we will be looking at different ways to do so. Until then, we highly recommend that you do a bit of research on your own, especially if your Grande Prairie business is quickly expanding!

Monday, 1 September 2014

Where Can You Find a Free Lethbridge Car Insurance Quote?

As you have probably heard countless times, car insurance coverage should never be underestimated, let alone ignored. Being in accident without insurance coverage is a driver's worst nightmare. You never know when an accident might occur, so why should you wait until one happens? By then it would be too late to turn back and wish that you done things differently.

It is your responsibility, therefore, to make sure that you are properly covered before hitting the road.

For you and many others, this is when a car insurance policy comes into play. If you live in the Lethbridge area, then finding a free Lethbridge insurance quote is very doable. As a customer, don't even think about calling a dozen of insurance companies to receive insurance quotes. In the 21st century, you can do everything online -- obtaining insurance quotes included. All is takes for you to see how much money you can save on car insurance is a few minutes of your time.

If you are interested, we'd be more than happy to offer you a quote. Our car insurance policy can be tailored to meet your needs -- and of course our quote also comes free of charge and with no obligations. As a driver being covered under our policy has the potential to save you countless headaches down the road (no pun intended).

You will find Sharp Insurance to be especially responsive to you needs. We are no strangers to insurance policies and it clearly reflects in the way we handle them.