Monday, 27 October 2014

Does Installing a Security System in Your Calgary Home Reduces Your Insurance Premiums?

Money. It's a precious thing that we all need to survive. Knowing how to save it is one of the most important skills that you can teach yourself. Insurance premiums might be the last things that you think about when you think about saving money, but the truth is that reducing your monthly insurance premiums is not as impossible as you might think it is. With enough research and planning, there is no reason why you should not be able to save some of your hard-earned money each month.

As you probably already know by now, insurance companies always charge people more when they believe their asset to be more prone to disasters -- think vandalism, fire and theft to name but a few. As a homeowner, your best bet is to therefore make your house as secure as possible. One of the best ways to do so is by installing a security system in your home. This is especially true if you live in a part of Calgary where acts of vandalism and theft are more prevalent. In most cases, you can expect your monthly premiums to go down as a result. 

At the end of the day, installing a security system might sound like a pricey solution right now, but seeing it as a type of investment might be a good idea. Once the initial cost of installing it is over, you can now focus on saving money each month. And let's be honest -- who does not want to save money each month?

Of course, there are many other ways to save money on your Calgary home insurance policy. This is just one of several tips that we like to offer our clients. Also, if money is becoming an issue for you, discussing this with your insurance broker might be a wise idea!

Saturday, 25 October 2014

Do New Drivers Pay More on Car Insurance in Red Deer?

As a new driver in Red Deer, you might wonder whether or not you will have to pay higher premiums than other, more experienced drivers. The unfortunate truth is that yes, you will have to pay higher premiums. This is not surprising -- because you lack experience, insurance companies will see you as more prone to causing accidents. And as you know by now, the more prone to causing accidents you are, the more money you end up paying.

Keep in mind, however, that you being a new driver is not the only factor affecting your monthly premiums. If you wish to lower them, you can do so easily, even despite being a new driver. From the type of car that you drive to how well it is protected from thieves, there are some things that you have complete control over. Experience aside, there are some things that you also have no control over -- including your age and your gender. As troublesome as it sounds, young men tend to pay higher premiums than young women.

The good news, however, is that your premiums will not always be that high. By keeping a good driving record and gaining experience, there is no reason for your insurance company not to lower your monthly premiums eventually. And the other good news is that there are plenty of insurance companies out there that offer affordable and reliable Red Deer new driver car insurance quotes.

Because even though you are a new driver, not every company is out there to get you. So drive safely and have fun! :-)

Tuesday, 21 October 2014

3 Things to Consider Before Purchasing an Edmonton Car Insurance Policy

Purchasing a car insurance policy is not always easy. Not only are there tons of companies offering quotes out there -- there are also numerous different policies available. How do you know which one to choose?

While it is always a good idea to discuss such matters with your insurance broker, nothing bad ever comes out of doing your own research. If you are currently living in Edmonton and are looking for an Edmonton car insurance policy, then Sharp Insurance would be more than happy to offer you a free quote. Until then, here are 3 things that you should consider before purchasing a policy:

1. The type of car that you own. Depending on what car you own, you may find yourself paying more (or less) on a monthly basis. When looking for insurance quotes, always compare the costs to maintain your vehicle against the costs to insure it. Also keep in mind that some cars are simply more expensive to insure and that you can't do anything about it.

2. How much you use your car on an annual basis. Many things come into play when insurance companies offer you a quote and the number of miles that you average each year is one of them. Unfortunately, the more often you use your car, the higher premiums you will have to pay. Just a head's up!

3. Any teenager that might be using your car. Unfortunately, new drivers and teenagers are known to make the costs of insurance premiums sky-rocket. Before choosing a policy, discuss with your insurance company whether the latter offers discounts for driving safety programs, good grades or even installed monitoring devices -- all of these factors can greatly help in reducing your monthly premiums.

Saturday, 18 October 2014

How to Handle Being a High-Risk Driver in Medicine Hat (And Where to Get a Free Quote)

So you have been labelled as a high-risk driver. While you might think that your insurance situation has become hopeless as a result, the truth is that it is far from being so. On your journey to finding a Medicine Hat high-risk driving insurance policy, you will find that many insurance companies out there offer people like you a second chance.

Here's the thing -- you have been labelled as a high-risk driver for a reason. Maybe it's because you have caused too many accidents. Maybe it's because you have ran too many red lights. Regardless of the reasons why, being labelled as such does NOT have to be a negative experience. Certainly, it will cost you more. There is no way around this. But it can also change your life for the better.

Now that you are aware of your dangerous driving habits, it's time for you to change them. As we have said numerous times in the past, driving is something that should never be taken lightly. Not only does it have the potential to harm you -- it also has the potential to harm other people as well. Use your label as a way for you to improve your driving. If you are able to keep a clean driving record, you will most likely be able to lose this label within the next two years or so.

Until then, learn, learn, and keep learning from your mistakes. You might also want to arm yourself with a high-risk driving insurance policy to save money. If you are currently residing in the Medicine Hat area, Sharp Insurance offers free Medicine Hat high-risk car insurance quotes to people like you -- looking into obtaining one might benefit you!

Tuesday, 14 October 2014

Owning a Motorcycle in Lethbridge and Saving Money on Your Monthly Premiums

When it comes to insuring your motorcycle in Lethbridge, there are a few things that you need to know beforehand. First of all, saving money on your monthly premiums is not as difficult (or impossible) as you might think it is. With enough resources and planning, it is very possible to do just that.

Here are a few tips to help you along the way:

1. Remember that the model matters. While this might be something that you can't change, if you have not bought a motorcycle yet you might want to remember this point. The younger and the faster a bike is, the higher your monthly premiums will be. It's as simple as that and there is sadly no way of changing this.

2. The more experience you have, the less money you will pay. Once again, this might be something that you might not be able to change. The younger you are, the higher your premiums will be. There are, however, ways to alleviate the costs. We recommend discussing with the company providing you Lethbridge motorcycle insurance policy whether or not taking a motorcycle course can lower your monthly premiums.

3. Lastly, remember that the more you take care of your bike, the lower your premiums will be. This might be as simple as installing an alarm system on your motorcycle and keeping the thieves away. The less likely to be stolen your bike is, the nicer your insurance company will be to you. Also remember that storing your motorcycle in a safe place plays a very important role.

Thursday, 9 October 2014

How to Keep Your Business Property Safe in Calgary

As a business owner, keeping your Calgary business safe should be one of your main priorities -- and as you probably already know, it starts with keeping your business property as safe as possible. While people might argue that doing so is impossible (after all people will always be people), the truth is that with good planning you can greatly reduce the risk of theft and vandalism.

Here's how you can do it:

1. Equip yourself with a Calgary commercial insurance policy. Sure, it might not actually do anything to prevent theft or vandalism, but as the saying goes -- better be safe than sorry!

2. Invest in good locks. We cannot stress enough the importance of locks. Don't just settle for cheap ones -- spend as much money as needed. Just think of what is at stake.

3. Invest in a burglar alarm. This is especially useful if your business is located in a big city. Remember that the louder, the better.

4. Flood your property with light. Darkness conceals intruders. Light tends to keep them at bay. Certainly, your electricity bills might end up on the more expensive side, but it's a better fate than having to deal with theft or vandalism.

5. Be smart with your safe. Always ensure that the latter cannot be seen outside of your store. We also recommend bolting it to the wall.

6. Purchase window screens. Not only are they inexpensive -- they are also very useful when it comes to deterring thieves!

Saturday, 4 October 2014

Where to Request a Free Edmonton New Driver Insurance Quote

Are you a new driver currently living in Edmonton, Alberta? Then chances are that you will find yourself in need of a new driver insurance policy soon.

Here's the thing -- there are a lot of insurance companies out there. While you might not think of it as a problem, the truth is that finding one that is both affordable and reliable is slightly harder than it sounds.

Thankfully, you can request a free Edmonton new driver insurance quote to get a general idea of what to expect from a policy and an insurance company. So if you were looking for a quote, Sharp Insurance would be more than happy to provide you with one. We offer new driver insurance quotes in Edmonton and beyond. What's more, our policies are both affordable and reliable -- two things that are absolutely vital when it comes to insurance policies.

Insurance policies can be a tricky business. While we do recommend spending some time with your insurance broker, nothing bad ever comes from doing your own research. Because being a new driver comes with a number of responsibilities, it is imperative that you arm yourself with adequate coverage before hitting the road.

Of course, driving safely is also a must -- but sometimes accidents do happen... And it does not even have to be your fault. The best way to prevent an accident from backfiring up on you is by purchasing an Edmonton new driver insurance policy.

Friday, 3 October 2014

How to Avoid Car Theft in Fort McMurray

Nowadays, pretty much everyone owns a car. If you are here, then we can probably assume that you do too -- or at least that you will soon.

However, with owning a car in Fort McMurray comes great responsibilities -- and no, those responsibilities don't just entail your safety and the safety of others on the road. As you probably already know by now, car theft is one of the most common crimes in Fort McMurray and Alberta, and unlike what most people think, older cars tend to be stolen more often than newer cars.

Fortunately, there are ways to prevent this from happening to you. The first thing that you will have to do (if you have not done so already) is request your free Fort McMurray car insurance quote. This way you will be sure to always have someone backing you up should everything else fail.

So without further ado, here is how you can avoid car theft:

1. Choose your parking spots carefully. This is very important, especially if you are going to leave your car parked there for a few hours. In our experience, well-lit areas are the best. Whenever possible, try to park in the vicinity of a surveillance camera -- and don't forget that the closer your car is to an exit, the more likely to be stolen your car will be!

2. Lock your doors. Okay that might sound like a given -- but really, you'd be surprised at the amount of people who forget this simple step.

3. Invest in an alarm system. Not only will an alarm system keep your car safe: It might even reduce your monthly insurance premiums! Of course, the louder the better, so don't hesitate to spend some money on a quality alarm system.

4. Think like a thief. Lastly, look at your car through the eyes of a thief. Be sure to always keep valuables away from preying eyes as well. The more attuned you are with the safety of your car, the less likely to be stolen it will be.