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Saturday, 31 January 2015

Tips for Home Owners Thinking About Purchasing a Home Owner Insurance Policy in Calgary



Purchasing a house is one of life's most exciting adventures. It can also be one of the most stressful ones. If you have recently purchased a house in Calgary and are considering covering it under a Calgary home insurance policy, then you have come to the right place. Sharp Insurance would like to offer you a few tips to make the process easier for you.

Here are 3 of them:

1. Shop around. We cannot stress this enough. Don't settle for the first good insurance policy that you find -- chances are that there is a better one out there. You will quickly realize that plenty of companies such as Sharp Insurance offer prospective clients free home insurance quotes. Use them to your advantage and analyse them well to know exactly what you would expect from each one of them.

2. Keep your house safe. This one is very useful to save money. The more of a liability your insurance company sees your house as, the higher premiums you will be required to pay. To save money each month, make sure that everything in your house is working as it should be. If you do not have one installed already, also consider installing a home security system -- you'd be surprised by how much money you can save this way!

3. Know your policy well. Once again, we cannot stress this enough. It baffles us how many people do not know that their policy does not include earthquake coverage until it is too late. Familiarize yourself with what your policy covers and what it does not cover to avoid unpleasant surprises down the road. If need be, purchase additional coverage.

Wednesday, 28 January 2015

Is It Legal to Drive a Motorcycle Without Insurance Coverage in Red Deer?



As you may or may not know, certain form of insurance coverage is mandatory in Canada. One of the most common questions that plagues the mind of people who are considering purchasing a motorcycle for the first time is whether or not they will be required to also purchase a motorcycle insurance policy before hitting the road.

The answer is yes. By law you are required to purchase a motorcycle insurance policy if you are planning on riding your motorcycle in Red Deer, Alberta.

But just what kind of motorcycle insurance policy do you need to buy? As you already know, the term "motorcycle insurance policy" can refer to any type of policy. It can refer to collision coverage, bodily injury coverage and even property damage liability coverage. How do you know what kind of coverage you will be required to purchase?

By law you are required to purchase a simple insurance policy, but the truth is that this policy can change from company to company. Generally speaking, you can expect a motorcycle insurance policy in Red Deer to include (at the very least) bodily injury coverage and property damage liability coverage.

Purchasing additional coverage is not something that you are required to do. It is something that you will have to figure out by yourself (or with the help of your insurance broker). If you are planning on riding your bike often, then chances are that you would be able to sleep better at night with additional coverage.

Saturday, 24 January 2015

Where to Obtain Free Commercial Insurance Quotes in Fort McMurray



Owning a company is a lot of work -- this comes as no surprise to anyone. In-between ensuring that you are offering the perfect product(s) or service to your customers, you also have to take care of legal matters. As a business owner, you should never underestimate the importance of being covered under commercial insurance policies in Fort McMurray.

As you might already know, however, taking care of insurance coverage is sometimes easier said than done. The term "commercial insurance policy" does not comprise only one policy. If that were the case, people would never struggle with insurance coverage then. No -- as a company owner, there are dozens of commercial insurance policies available to you out there. From commercial property insurance coverage to commercial car insurance coverage, it is your responsibility or the responsibility of your insurance broker to decide which one(s) would benefit you and your business.

Fortunately for you, many insurance companies in Fort McMurray such as Sharp Insurance make the process easier by offering free commercial insurance quotes. We recommend that you make use of those free quotes because they allow you to see what you can expect from each policy (and from each company as well). They also allow you to shop around for the best price -- something which everyone should do in this day and age.

So regardless of whether you need to insure your commercial property or your company's vehicles in Fort McMurray, remember that there are always companies out there that offer free insurance quotes. Use them wisely!

Wednesday, 21 January 2015

How Can New Drivers Save on Insurance Coverage in Calgary?


If you are a new driver currently residing in Calgary, you might be wondering how it is possible for you to lower the cost of your monthly insurance premiums. As you already know, new drivers are often considered "higher risk drivers" by insurance companies in Calgary. Because new drivers don't have as much experience as "regular drivers", they have to pay higher premiums for a period of usually two years or so. While there is no way for you to reduce your insurance premiums to a "normal rate", there is a way for you to reduce them so that you don't have to pay as much as you normally would.

Here is how you can do it:

1. Shop around, and shop smartly. Plenty of insurance companies in Calgary such as Sharp Insurance offer new drivers affordable and quality Calgary new driver insurance policies. As a customer, it is your responsibility to shop around for the best price. Don't forget that free quotes are your friends, so use them to your advantage!

2. Enroll in a class. You might be surprised at how much this can save you in the long run. Many insurance companies will happily reduce your insurance premiums if you pass a driving class. Just make sure that the class has been approved by your insurance company before, though.

3. Take care of your car. Once again, you might be surprised at how much installing a security alarm system in your car can save you each month. The more secure your car is, the less of a liability your insurance company will see you as. And when that happens, you can start to expect lower monthly premiums.

Saturday, 17 January 2015

Do You Need a Commercial Property Insurance Policy for Your Company in Fort McMurray?


Do you own a company in Fort McMurray, Alberta? Then it might be time for you to familiarize yourself with the different commercial insurance policies available to you if you have not already done so. Here's why -- we live in a world where nothing is ever truly safe from anything and anyone. By now this should not come as a surprise to you. As a business owner, it is your responsibility to make sure that your company is adequately covered under the right insurance policies. A simple mistake could prove to be fatal to your finances.

One of the most common types of commercial insurance policies available out there is the commercial property insurance policy. As the name entails, the latter covers you financially and protects your business' property in the event of a disaster. (Think fires, vandalism, thefts, etc.) Unless you actually rent or own a commercial property, chances are that you don't need to be covered under this property.

What about if you do rent or own a property? Then it depends on you. Of course by law you are not required to purchase this insurance policy, but many business owners in Fort McMurray decide to purchase it in order to sleep soundly at night. After all, they never know what might happen. Some people who work at home even decide to be covered under this policy in order to secure their property.

At the end of the day, it's all about your personal preference. We do, however, recommend that you discuss with your insurance broker whether purchasing this policy is a good option for you or not before completely ruling it out!

Wednesday, 14 January 2015

Is Speeding Considered a High Risk Driving in Edmonton?



Okay, so we've all heard it in the past, more times than we can actually count -- speeding can be dangerous, deadly even. But is it considered a high risk driving habit in Edmonton?

According to the ICBC, it is. Here is what their official website says about high risk driving:

The most common types of high-risk behaviours include failing to yield, ignoring traffic-control devices, following too closely, speeding, and improper passing.
Speeding has caused way too many accidents in the past and continues to do so on a daily basis all over the world. As we have said before on this blog, nothing is so important that it cannot wait. We know that you might be late for work, but which is better -- your boss getting angry at you or you causing a fatal road accident?

Driving is not a game, and it should never be taken lightly. We simply cannot stress this enough. If you find yourself speeding occasionally, we highly recommend taking a look at the reasons why you do so and trying to eliminate any negative things in your life that might influence this high risk driving habit of yours.

And even if your speeding does not cause any accident, is it really worth the eventual speeding tickets and being labelled as a high risk driver by Edmonton insurance companies? We don't think so. Not only can be speeding be deadly -- it can also be costly.

So next time you are running late to work, be sure to remember this before it's too late.

Saturday, 10 January 2015

Is Fire Covered by Home Insurance Policies in Red Deer?



Before purchasing a Red Deer home insurance policy, it is important that you spend some time reading about the policy and what it entails. What many young home owners fail to realize before it's too late is that a home insurance policy does not protect them from everything. But does it offer coverage from fires? This is one of the most commonly asked questions related to this policy.

In most cases, you can expect your home insurance policy to protect you from financial loss associated with a fire. What that means is that your insurance company will pay for the damage that has been done to your property as a result of said fire -- regardless of whether or not you were the one at fault. You will also find out that this policy covers you from many other perils such as lighting, explosions, windstorms and vandalism, to name but a few.

And the good news is that this rarely changes from policy to policy, regardless of where in Canada you are situated. So if you purchased a home insurance policy from Sharp Insurance in Red Deer, you can rest assured that you will be covered if you ever have the misfortune of experiencing a house fire.

It is also good to remember to be aware of what your policy does not cover before it's too late. So always make sure to read the details of a policy carefully before purchasing it and to double check with the company before making any final decision.

Tuesday, 6 January 2015

Do You Need Motorcycle Collision Insurance Coverage in Edmonton?



By law you are required to purchase a motorcycle insurance policy in Edmonton. But are you required to purchase additional coverage such as a collision insurance policy?

The answer is no. Depending on how often you are planning on  riding your motorcycle, however, you might benefit from such additional coverage. As you will soon find out, the basic motorcycle insurance policy that you are required to purchase before hitting the road only offers basic coverage. In other words, you might not be able to file a successful claim with only this policy under your belt should you happen to be in a motorcycle accident.

This is why many motorcyclists decide to play it safe and purchase a collision insurance policy among other types of coverage. The former pays for damage that has been done to your motorcycle (deductible aside, of course). And you know what the good thing about this type of policy is? It remains effective even if the damage was your fault -- something which can't always be said of other policies!

At the end of the day, nobody but yourself, your insurance company and your insurance broker can tell whether or not you need to purchase this policy. If you ride your bike every day, then you might want to purchase it in order for you to sleep soundly at night -- but remember that you are not legally obliged to do.

If you are interested to learn more about motorcycle insurance coverage, you might want to request a free Edmonton insurance quote such as the one offered by Sharp Insurance today. Until then, be safe out there!

Saturday, 3 January 2015

Why You Should Make Use of Free New Driver Insurance Quotes in Fort McMurray



New drivers don't always have it easy in Fort McMurray or Alberta in general. In between the stress of hitting the road for the first time, they have to deal with monthly premiums that are higher for them than they are for other, "regular" drivers.

If you are a new driver currently residing in Fort McMurray and are not covered under you parents' insurance policy, then you will have to shop around for the best new driver insurance policy out there. The good news is that plenty of insurance companies such as Sharp Insurance offer free new driver insurance quotes to people like you. Requesting a few of those quotes is the best way for you to see what you can expect from each company. It will also allow you to weigh your options, something which every buyer should do carefully before settling for a deal.

Free insurance quotes should never be underestimated, let alone ignored. As a new driver, you will find that your monthly premiums are higher than "regular" driver. Every driver has gone through this. While there are different ways for you to reduce said premiums (you might want to take a look at some of our earlier articles if you are interested to learn how to do so), finding an insurance company that offers a good price is the first and most crucial step.

So go ahead and shop around -- trust us when we tell you that you'll need those quotes! They exist for a reason. :-)