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Tuesday, 31 March 2015

I've Been Labelled as a High-Risk Driver in Calgary! What Do I Do?!



Have you been recently labelled as a high-risk driver in Calgary?

Well the good news is that it's not permanent. With that in mind, here's what you should do after being labelled as such by your insurance company:
  • Don't panic. As we said above (and in earlier posts), it's not permanent. Depending on the type(s) of violation(s) that you are responsible for, you can generally expect 2 years to pass before you will become once again eligible to pay "normal" monthly premiums. (Assuming that you are able to keep a clean driving record during those 2 years, though.) Not too bad, eh?
  • Shop around. Because you are required to pay higher monthly premiums from now on, shopping around for the most affordable Calgary high risk driving insurance policy becomes more important than ever. You will find that many insurance companies such as Sharp Insurance offer free insurance quotes. Use them wisely so that you know exactly what to expect from each prospective company and policy!
  • Brush up on your driving skills. If you have been labelled as a high risk driver in Calgary, then it's your cue to get out there and brush up on your driving skill. Whether you are guilty of speeding, tailgating or even running red lights, it doesn't matter. Now is the time to eradicate your bad driving habits so that you can focus on keeping a clean driving record for the next 2 years or so.
As you can see, being labelled as a high risk driver in Calgary is not the end of the world. Follow those 3 simple tips and it should be a matter of time before things go back to normal!

Wednesday, 25 March 2015

How to Avoid Being Denied Car Insurance Coverage in Medicine Hat


Being denied auto insurance coverage over and over again can be troublesome... and rightfully so. But the good news is that being denied coverage is not the end of the world.

Regardless of whether you have been labelled as a high-risk driver by insurance companies or are simply a new driver, there exists somewhere out there a Medicine Hat car insurance policy that fits both your needs and your budget. Here's how you can find it and avoid being denied coverage from now on:

1. Do your research. If you are considered a high-risk driver by insurance companies, then now might be the time to look up some high risk driving insurance quotes such as the one offered by Sharp Insurance. Sure, you'll end up spending a bit more money each month, but hey -- at least you'll be covered! And the good news is that this label won't follow you around forever, so before you know it you'll be paying "normal" monthly payments again.

2. Hire an insurance broker. Insurance brokers make your insurance needs their priority and they know what they are doing. If for whatever reason you are unable to find a company that is willing to offer you coverage then hiring an insurance broker might be a good idea.

3. Don't do the same mistakes again. Lastly, this might not solve your problem instantly, but it will in the future. If you are known to partake in bad driving habits, eradicate those habits today. The quicker you are able to pinpoint exactly why insurance companies are denying you, the quicker you are able to change those things, ultimately insuring to never be denied again.

Saturday, 21 March 2015

How to Find the Best Lethbridge Home Insurance Policy


If you are considering purchasing a house in the near future, then purchasing a Lethbridge home insurance policy to go along with it should be right at the top of your priority list. However, as we all know, sometimes it's easier said than done. With so many insurance companies out there, how do you know which ones you can trust and which ones you can't trust?

Simple -- it all comes down to how good you are at gathering information. As you already know by now, the internet abounds with information. While information that you find on the internet cannot always be trusted, sometimes it can prove to be a real life saver. As a prospective client, your goal is to sift between the information that you can and cannot trust.

That review over there? Try to determine if it's fake or genuine. That insurance company's website that you found earlier? Use some common sense. Is their phone number legit? Can you find their address anywhere, and if so, can you find it on Google Maps?

And so on and so forth.

Of course, simply entering a search into Google will let you know almost immediately what companies you can trust. Read reviews about them to determine whether those companies are worth your time or not. Once this is done and you have narrowed the results to a few companies offering Lethbridge home insurance policies, now might be the time to rely on the most important tool that you have at your disposal... namely, free insurance quotes such as the one offered by Sharp Insurance.

From there on out, it's a matter of preference. What do you need from a policy? How much are you able to pay each month? Figure out the answers to the most important questions until you are able, at last, to find and purchase the best Lethbridge home insurance policy available to you.

Thursday, 19 March 2015

Medicine Hat Commercial Insurance Coverage -- Should You Cover Your Business Property?



If there is one thing that every small business owner out there share in common, it's decisions related to insurance coverage. While insurance brokers always come in handy, sometimes you just have to figure things out by yourself. If you own a small business in Medicine Hat, Alberta, chances are that you have wondered in the past whether or not covering your business property would be a good idea. Today, we will help you figure out just that.

In most cases, there is no reason why business owners should not insure their business property. As we have said before in the past, we live in a very dangerous world. While Medicine Hat might be safer than Vancouver or Montreal, you never know when the next fire, vandal or even theft will strike.

As a business owner, this very fact should be enough to change your mind.

If you have not purchased a Medicine property insurance policy yet, then we highly recommend that you do so before it's too late. Owning or even renting a building without proper coverage can prove to be devastating to your finances should anything happen to the building. By purchasing this policy, you are efficiently ensuring peace of mind should anything happen to your property -- be it as a result of a fire, vandals or even thieves.

Depending on what type of property you are owning/renting and what kind of business you are operating, you will be expected to pay monthly payments that vary accordingly. For more information and an idea of what to expect from Medicine Hat commercial insurance coverage, we recommend that you request free insurance quotes such as the one offered by Sharp Insurance as soon as possible.

Saturday, 14 March 2015

How Long Are You Considered a High-Risk Driver For In Fort McMurray?


Being labelled as a high-risk driver in Fort McMurray might sound like a life-long sentence, but it is far from being so.

Consider this: Generally speaking, insurance companies are only allowed to factor into insurance quotes the last  2 years of a person's driving record. What that means, essentially, is that if you have been labelled as a high-risk driver in the past but you are able to keep a clean driving record for at least 2 years, then you should expect your monthly premiums to go back to "normal" soon after 2 years have passed.

As we have said before in the past, being labelled as a high-risk driver is not necessarily a bad thing. After all, there is a reason why insurance companies see you as being more prone to accidents and traffic violations than others... it's because you are. Raising your monthly premiums might be the only way for them to make you aware of your dangerous driving habits -- perhaps even going as far as to save your life and that of other drivers in the process.

See where this is going?

And of course, as you already know by now, just because you have to pay higher monthly premiums for a while doesn't mean that those premiums have to be a lot higher than what you are used to. Plenty of companies in Fort McMurray like Sharp Insurance offer affordable and reliable Fort McMurray high risk driving insurance coverage. It's up to you to go out there and find the on that suits you best.

(Oh and of course, we're not talking about the different possible ways for you to lower your insurance premiums! That's another story altogether.)

Wednesday, 11 March 2015

How to Avoid Motorcycle Crashes in Red Deer, Alberta



Riding a motorcycle is becoming increasingly more dangerous. But did you know that over half of motorcycle accidents can be avoided? Here's how you can do it:

1. Look ahead. We cannot stress this enough. Looking at least 12 seconds ahead of your motorcycle is one of the best ways to avoid accident. Not only do you become more aware of your surroundings; you also become more aware of potential hazard. And as you already know, the faster you become aware of them, the more time you have to react. This is absolutely priceless when you're driving at 100km/hr on a busy highway.

2. Practice braking. Braking, depending on the situation, can either be your best friend or your worst enemy. Most drivers don't spend enough time practicing braking. But when done right, this could save their lives. Practicing emergency braking every once in a while and brushing up on your braking skills could save your life. It's as simple as that.

3. Familiarize yourself with the term "failure to negotiate a turn". And make sure it doesn't happen to you. It's not uncommon for motorcyclists to believe they are driving too fast to make a turn, the panic that occurs as a result often leading up to a crash. But did you know that more often than not, those motorcyclists are wrong? Don't be one of them.

4. Purchase a Red Deer motorcyclist insurance policy. While this might not do anything to prevent a bike crash, ensuring that you are properly backed up in the event of an accident happening might allow you to sleep better at night. Many companies such as Sharp Insurance offer free insurance quotes -- use them wisely.

Saturday, 7 March 2015

Save Money on Your Fort McMurray New Driver Insurance Premiums by Bundling Up Your Policies



Insurance policies -- especially new driver ones -- can be costly. This is no secret. The higher your premiums are, the less you feel like paying them. What some people fail to realize, however, is that not every policy was created equally... and that lowering those exorbitant premiums is not as impossible as it sounds.

If you are a new driver currently residing in Fort McMurray, the first thing that you will want to do is make use of free insurance quotes provided to you by insurance companies such as Sharp Insurance. This is the easiest and fastest way for you to see exactly what you can expect from a policy (and a Fort McMurray/Alberta insurance company).

Because you are new driver, you will automatically have to pay higher monthly premiums than other "regular" drivers. This is because insurance companies see you as a bigger liability risk. Keep in mind that -- while it might be frustrating right now -- this label won't follow you around forever. Assuming that you are able to keep a clean driving record for the next few years or so, then you can expect your premiums to go down eventually.

Meanwhile, there are a few ways for you to reduce your premiums. Bundling up your Fort McMurray new driver policy with your other policies is one of the most common ways for you to achieve this. Before purchasing an insurance policy from an insurance company, we recommend that you spend some time discussing this topic with your insurance broker. Many companies like to offer discounts to people who decide to purchase several policies from them. Make good use of this and you can easily save money each month! :-)

Thursday, 5 March 2015

Is Calgary Home Insurance Coverage a Necessity?


Purchasing a house is one of life's most exciting adventures. Yet it can also be one of life's most stressful ones. Before making a decision that could dramatically affect your income for the next few decades or so, it is imperative that you prepare yourself properly -- both mentally and financially. In this case, before purchasing a house in Calgary or Edmonton you should already know whether or not purchasing a Calgary home insurance policy to go along with it is also part of your plans.

Here's the thing -- people often wonder whether insurance policies are necessary. While there is no one-size-fit-all-answer to this question, the truth is that in most cases, purchasing at least one kind of insurance policy is indeed necessary. As you may or may not already know, there are MANY types of insurance policies out there. But that's another story that is better left untold for now.

To go back to the original question, is Calgary home insurance coverage a necessity? We can assume that yes it is. While you are not legally obligated to purchase such a policy, logic says that you should never underestimate the importance of such a policy, let alone ignore it completely. In the past, many people have lost their home and ruined their finances because they were not protected under a Calgary home insurance policy.

As a (future) home owner, you never know when a fire, an earthquake or even a thief will strike your house next. All you can do instead of worrying about the chances of this happening to you is to protect your asset and to do everything in your power to ensure that such a disaster will never knock at your door.