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Thursday, 31 March 2016

Need Help With Filing a Red Deer Auto Claim? Here's How To Do It


If you own a car insurance policy, the last thing that you want to do is file a claim. Unfortunately, we live in a world in which even the smallest of accident means that you might need to file a claim. If you have never filed a claim before, here is how to do it:
  1. Call your insurance company. This is the first and most crucial step. You should already be familiar with what your Red Deer auto policy covers and does not cover, but in the event that you aren't, calling your insurance company will at least provide you with answers. Further to that, it is important to let your insurance company know about the accident, regardless of how small it was.
  2. Ask your insurance agent how to go about filing a claim. Be prepared to face a handful of paperwork! Fortunately, most forms can be printed online.
  3. Provide as much details and evidences as possible. We can't stress enough the importance of this step. The more details you can provide to your insurance company, the likelier to be reimbursed you will be. From the names and phone numbers of people involved to pictures of the damages incurred, don't be afraid to be as thorough as possible.
  4. Ask questions! There is no question that your insurance agent has not heard before. The more informed you are, the better. Here are two example questions that you might want to ask them:
    • When will my insurance company contact me?
    • Do I need to get repair estimates for the damage to my car?
And above all, remember to be honest. Good luck!

Sunday, 27 March 2016

Is Your Edmonton Home Fully Protected?



When people think of home insurance coverage, they usually see it as a fool-proof way to protect their asset. The truth, however, is that most home owners in Edmonton (despite having purchased an Edmonton home insurance policy) are not fully covered.

And by "not fully covered", we mean just that -- not fully covered. You see, what most people fail to realize is that a home insurance policy does not cover everything. Certainly, it covers a lot. Think: vandalism, fire, theft, wind-storms, etc.

While we can't argue against the importance of such coverage, it is imperative that you don't forget just what the policy that you have purchased does not cover you from. In many cases, you can expect earthquakes, sewer backups, wear and tear, mold and valuables (up to a limit, at least) to not be covered under this policy.

Unfortunately, some home owners find about those exclusions too late. The good news, however, is that you can purchase additional coverage for those things. While your monthly premiums will rise as a result, we often like to say that prevention is key -- and this case is certainly no exception to that rule!

Before going any further, we recommend going over the details of your home insurance policy and giving your insurance broker a call. He or she will be able to help you figure out whether or not purchasing extra coverage would benefit you in the long run.

Until then, you might want to read more about such exclusions!

Monday, 21 March 2016

Here's How You Can Save Money On Your Calgary Motorcycle Insurance Policy


Motorcycles are very easy to steal -- especially in a busy city of the likes of Calgary. By now this is no secret. As a motorcyclist, this should be one of your biggest fears. After all, all it takes is for your motorcycle to be at the wrong place and at the wrong time and a skilled thief for you to never see it again.

If this wasn't a big enough incentive for you to properly secure your motorcycle, then this might be it: Did you know that properly insuring your motorbike can lower your insurance premiums dramatically?

That's right -- because motorcycles are so easy to steal, they often tend to be expensive to cover. But the good news is that they don't have to be. Here's a secret for you: Make sure that your motorcycle will never be stolen and you might save money on your insurance premiums.

You read that right.

Motorcycle insurance policies follow the same rules as any other policies on the market. Just like installing a security system in your house and car will lower you monthly premiums, so will properly securing your motorcycle.

But how do you know when the latter is protected enough?

You simply do. Remember that in this case, more is better. Put yourself in a thief's shoes and look at your motorcycle through their eyes. Don't be afraid of installing a loud alarm or showy gadgets -- this will only help in discouraging potential thieves...

And save you money each month. Good deal, no? :-)

Saturday, 19 March 2016

Fort McMurray Car Insurance Coverage: 3 Common Questions Answered


As a new or inexperienced driver in Fort McMurray, there are a few things that you should keep in mind when it comes to auto insurance coverage. This is because most new drivers don't have much experience with insurance. As a result, they tend to overlook certain facts and details that are more important than they originally thought.

To make sure you are not guilty of doing that, here are 3 common questions answered:
  1. What will affect my monthly rates? There are many things that will affect how much you end up paying each month. Some of these things can be changed while others cannot. As an example, how expensive your car is will have a major impact on your premiums. Similarly, where you live, how much experience you have behind the wheel and even how high your deductible is can also affect your premiums.
  2. How much car coverage do I need? Unfortunately, there is no "one-size-fits-all" answer to that question. This is because the answer depends on your needs. Generally speaking though, if you do not plan on driving long distances frequently, a simple car insurance policy such as the one offered by Sharp Insurance should do the trick.
  3. Should I request a free auto insurance quote? We've said it before and we will keep saying it: Free insurance quotes are your best friends, so make good use of them. If you live in Fort McMurray, then visit www.sharpinsurance.ca for more details.
Stay safe on the road!

Wednesday, 16 March 2016

Where to Request a Free Commercial Insurance Quote in Edmonton


Owning a small business in Edmonton can be tough. In between making sure that your clients are satisfied with the products or services that you offer, you also have to make sure that you are properly insured. And as you probably already know by now, good insurance coverage can make or break a business.

We live in a very litigious world. In this world, it's not uncommon to see companies and professionals being sued. If you are a small business owner, then being brought to court is a very real possibility -- and one that you should already prepare yourself to face.

So how can you prepare yourself for the worst-case scenario? Three words: Free insurance quotes.

Here at Sharp Insurance, we can't emphasize just how important free insurance quotes are. Aside from being free (which we can all agree is a great things), they also allow people like you to get a better idea of what to expect from a company... or several of them. Not sure if the policy that you are interested in can be purchased from somewhere else for less? Request a free insurance quote from other companies and compare the prices to the one you are interested in!

As you can see, free commercial insurance quotes are very useful. But where exactly can you request one in Edmonton?

Thankfully, many companies in Edmonton would be more than happy to offer you a free quote. Sharp Insurance is one of them. To request your free quote from us, visit www.sharpinsurance.ca.

Thursday, 10 March 2016

Fort McMurray Motorcycle Coverage: Where to Request a Free Quote


In Alberta, it is illegal to drive a motorcycle without owning a motorcycle insurance policy. Unfortunately, as a customer, making sense of the different policies available to you can be tricky. This is why free insurance quotes exist: To give you an idea of what to expect from a certain company.

If you own a motorcycle, you might be wondering where to request a free Fort McMurray motorcycle insurance quote. You will find that many companies in Alberta offer free quotes to prospective customers. Sharp Insurance is one of them. 

To request your free quote from us, simply visit www.sharpinsurance.ca. At the bottom of the page you will find a link called "Fort McMurray motorcycle insurance". Click on it and you will be directed to a form that you will be able to complete in 5 minutes or so. Keep in mind that our quotes come with absolutely no obligation.

Also remember that purchasing insurance coverage is the first step towards financial protection and that it should by no mean be the only one. To fully protect yourself and your motorcycle, be sure to:
  1. Avoid dangerous driving habits;
  2. Keep your motorcycle secure and away from thieves;
  3. Regularly have your motorcycle checked up;
  4. Avoid long trips in rainy/snowy weathers;
  5. Avoid vision fog in the winter;
  6. Have a security system installed;
  7. Etc.
Driving smartly and being properly insured go hand in hand. 

Good luck and have fun!

Friday, 4 March 2016

High Risk Drivers and Calgary Car Insurance Coverage: 3 Common Questions Answered


Have you been labelled as a high risk driver in Calgary by your insurance company? Here are 3 common questions answered to give you a better idea of where you stand as a customer.

Why was I labelled as a high risk driver? In Alberta, we have a demerit point system. How this system works is simple: Each time you are found guilty of a dangerous driving habit, or each time you get into a car accident, the points accumulate. Different infractions are worth a different amount of points. After you've accumulated a certain number of points, insurance companies begin labeling you as a high-risk driver. In most cases, it happens before your license is suspended temporarily.  

What can I do? At this point there is not much that you can do other than brush up on your driving skills and avoid partaking in dangerous driving habits. Keep in mind, however, that while your monthly insurance premiums will rise from now on, it is possible for you to lower your premiums. Raising your deductible is a perfectly viable option, although we don't recommend doing this unless you are absolutely certain that you can afford to pay your deductible. Another way for you to lower your premiums entails securing your car or installing a security system on it.

How long will I remain a high-risk driver? In Alberta, maintain a clean driving record for two years at least and you should be able to enjoy normal insurance premiums again.

Good luck!