You’ve been using point and shoot cameras and decided you’re ready for more control. You’re ready to buy a digital SLR camera. Great…Or maybe not. At this stage you know you want a digital SLR camera, the challenge is deciding just which one to buy!Entry level dSLRs are real digital SLR cameras. The quality of the images is better than anything you can get in a camera on your cell phone. This is due to the combination of superior lenses, image capture sensors and image processing systems.There are so many entry level cameras to choose from, it can feel totally bewildering. To give you a helping hand, we’ve looked at a number of different websites to put together some of the best digital SLR buys we can find in a variety of different categories. We also know that this is a highly competitive field and that many retailers have “won’t be beaten on price” policies so do feel free to check different suppliers and visit some review websites as you may get yourself a bargain deal.If you’re buying your first digital SLR and feel challenged – or even intimidated – by the complexity, don’t worry, most cameras come with a pretty sophisticated auto mode which will allow you to get started as smoothly as possible.Just to reassure you, there’s an explanation of some of the technical terms in a related article so, if there’s something you don’t understand as you’re reading through, just see if it’s in the glossary of “Digital Photography Tips – Understanding the Jargon”.An essential part of the digital SLR camera is the lens. Lenses are interchangeable, but only within the same brand make. So once you’ve chosen your brand you can only work within their range – but the choices are many. Canon and Nikon have the widest ranges of different lenses available but other brands are expanding their ranges too.If you’re buying your first dSLR, you’re more likely to buy it as part of a kit, so don’t forget to check out the lens on offer too – different retailers may package the camera body with different lenses so pick one which suits you best.The Canon EOS Rebel T1i consistently rates highly for it’s ease of use. As you become more confident you can begin to try using more features, adjusting the aperture, depth of focus or focal points – and because the results are digital, you can see the effects of your changes almost immediately!As you have more money to invest or more commitment to the photographic art form, you do get more sophisticated features on your camera. You capture more megapixels, up to 18 megapixels on the Canon T2i, but this is more than most new photographers need.In more expensive cameras, digital sensors get better and speeds get faster. The shutter speed on the Nikon D3000 is really impressive and eliminates that annoying shutter lag that can sometimes mean that all you see of your subject is a blur as they move out of shot.The ISO range of a camera often increases in more expensive cameras allowing you to take pictures in a much wider range of lighting conditions. The Pentax K-x is one example of an excellent value digital SLR that has a really impressive performance in low lighting conditions. If you have a bigger budget available, the Canon EOS Rebel T2i provides equally great low light performance and stunning 18 megapixel capacity.The LED live view screen is one really useful feature on most digital SLRs. A traditional SLR camera views the subject through the eyepiece when the camera is physically held to your eye which has its limitations. Having a large LED screen makes it much easier to see your composition of the shot from a wide variety of angles, not just with the camera held to your eye. One possible problem when working outdoors is glare on the screen making good anti-glare coating essential. The Nikon D5000 overcomes this problem by having a vari-angle color LED screen which can be adjusted to optimise your viewing.So in summary, whether any feature is worth paying for depends very much on how likely you are to use the feature in the first place. Begin by looking at the shots you want to take, the style and skills you want to learn. Don’t be tempted to buy more than you need if it means over stretching your budget.Do have fun and, whatever camera you choose, go out and use it!
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Get Affordable Home Insurance in Calgary
There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need to insure your house in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.Typical Home Insurance Premiums
Home protection prices are different for rented and owned properties. Tenants insurance for rented homes covers the basic contents of a house and some liability (you may need a separate policy for fine art, wine collections, furs, and other expensive, atypical items). Tenants insurance is often cheaper than homeowners insurance.Homeowners insurance covers the building and its exterior, as well as risks connected to theft, fire, earthquake, etc. Since the value of the building is much higher than the contents of a rented unit, homeowners insurance premiums are significantly higher than are the premiums for tenants insurance.In order to have a broader picture of home insurance rates in Canada, here are statistics of the average home rates in Alberta, Ontario, British Columbia, and Canada. These statistics are provided by InsurEye.In Alberta, monthly house insurance rates are typically $84 for homeowners and $49 for renters.In Ontario, monthly home insurance rates are typically $78 for homeowners and $42 for renters.In British Columbia, monthly home protection rates are typically $85 for homeowners and $47 for renters.Across Canada, monthly home insurance rates are typically $77 for homeowners and $41 for renters.Examples of Calgary Home Insurance Quotes
Home insurance quotes in Calgary depend on the size of a building, its location, and possible risks (like flooding). The following examples of house insurance quotes will help you better understand how much home insurance can potentially cost you:· For a 2,800 square foot, two-storey house in Calgary, in the neighbourhood of Altadore near River Park, expect approximately $98 monthly ($1,176 a year).· For an 850 square foot, two-bedroom condominium on the 12th floor in downtown Calgary, next to Central Memorial Park, the insurance costs are approximately $23 a month ($276 a year).· For a one-storey house in Calgary, in the Mount Pleasant neighbourhood, located close to 4th St NW and the Trans-Canada Highway, the insurance is approximately $62 monthly ($744 a year).Flooding Coverage for Homes in Calgary
Since Calgary often sees flooding, every homeowner should be prepared for the possibility of this risk and should understand the main aspects of home protection and flooding. One thing you should keep in mind is that home protection in the flood-endangered areas of the city is more expensive because of the much higher risk.There are four main types of flooding. It is important to remember that your home insurance policy treats each of them differently:1. Overland flooding occurs as a consequence of water (rain or melting snow) entering your house from the outdoors. Standard insurance in Calgary does not cover expenses from overland flooding. However, some companies do provide coverage for this type of flooding at an additional cost.2. Roof leakage can be covered or not covered, depending on the factors that caused it. If the roof was in poor condition from the beginning, your insurance provider will not cover the damage. Your home insurance will most likely cover damage from a natural cause, like hail.3. Your insurer will cover plumbing issues, only if you comply with the rules in your policy, such as having somebody visit your home while you are not there for extended periods of time (for example, while you are on vacation).4. Sewer backup happens when wastewater is driven back into your house. Traditional home protection does not cover this type of flooding. However, you can always purchase this type of coverage as an addition to your home insurance policy.The Difference Between Condo and Tenants Insurance in Calgary
Owners of condos can purchase homeowners insurance for their condo. The condominium corporation purchases commercial condo insurance. The difference between these two policies is in what part of the condo they cover. The homeowners insurance covers the contents of the condominium. The coverage also includes protection for upgrades, locker contents, third party liability, theft, additional living expenses, and sometimes special insurance assessments.The commercial condominium corporation’s insurance covers the building’s exterior (envelope), together with its infrastructure and common areas.Condo renters in Calgary need tenants insurance to cover the contents of their condos. This type of protection is usually mandatory and is part of the rental contract. In addition to the coverage of contents against theft, fire, and other hazards, the insurance also extends to third party liability and additional living expenses. Living expenses are for the cases when the condo is unlivable (due to earthquake, flood, fire, etc.), so the renter is forced to live in a hotel or rental unit until the condo repairs are complete.10 Ways to Save on Home Insurance in Calgary
Here are a few ways to save on your home coverage. For more savings, get an insurance quote and contact an insurance expert.1. Professional membership. Members of unions or professional organizations can get a discount on their home insurance. Insurance companies, like Meloche Monnex Insurance, also provide their members with insurance policies.2. Hydrant or fire station. If your home is close to one of these things, you can ask for a discount from your insurance provider.3. Discounts for students. Some insurance providers give discounts for students. As for dependent students who live alone, their parent’s home insurance may cover the insurance on their apartment at no additional charge. For example, Desjardins Insurance provides this discount.4. Discounts for graduates. TD Insurance is an example of an insurer that offers discounts for graduates from post-secondary institutions like McGill University or the University of Toronto.5. Quit smoking. Many insurance companies increase home protection premiums for smokers due to the potential fire risk.6. Change your policy. Those with tenant insurance should rethink the size of their coverage – perhaps some things that do not have much value do not need additional coverage.7. Security of your home. Does your home have additional security, like a doorman or security guard? This might get you a discount from your insurance provider.8. Direct insurer. Also called a captive agent, a direct insurer represents one company and can offer their products for a cheaper price when compared to insurance agents or brokers.9. Consumer reviews. Other home insurance consumers often share their experiences of purchasing insurance and making claims. Thanks to these insights, you will be able to avoid unexpected costs and overpayment.10. Compare prices. You can get home insurance quote in Calgary for a cheaper price thanks to the price comparison tools that show you the rates of the same services provided by different insurance companies.
Take 10 Minutes to Get Started With Car Insurance Premium Calculator [Top 10 List]
What is Car Insurance Premium Calculator?Car insurance premium calculator is a dynamic tool provided, online, by car insurance companies. Get started with top 10 car insurance premium calculator online.
Almost every reputed motor insurance company has an car insurance premium calculator on their official portal.
With the help of the car insurance premium calculator, customers can get a quote for their car insurance policy and the premium amount they need to pay for the same.
You have to visit the ‘car insurance calculator’ page and fill in some basic information about yourself like the policyholder’s name, contact details and address, followed by some standard details about the insured/to be insured car. These details are – car manufacturer’s name, model number of the car, manufacturing year, car sub-type (if any), fuel type and registration date.
Some companies also give you an option of selecting if you want to insure the accessories installed inside the car.
After you have filled the details correctly, just click on the ‘calculate premium’ button and you will immediately get the quote.
After this, you also get an option to get more information and payment option to buy car insurance of your choice.
What are the benefits of a Car Insurance Premium Calculator?Now that we know what a car insurance premium calculator is, let us find out why it is worth a try:
Using a car insurance calculator helps you evaluate your insurance needs, which makes it easy to select the best policy that covers all the requirements.
It is an easy and efficient way to compare premium rates of a variety of plans with various features for your vehicle.
The process of purchasing a policy becomes unbiased as you don’t have to be under the influence of an agent/broker, and are free to make your own choice.
By using a car insurance calculator, You get accurate information about the premium amount you’ll be paying for a particular policy.
You can also understand the way premium rates change with a change in variables.
How to use Car Insurance Premium Calculator?Any online car insurance calculator will ask you for basic details of your car such as the make and model, registration number, manufacture date etc to calculate the premium.However, you also need to know about the following factors that affect the premium value:
Insured Declared Value or IDV of the Vehicle
This is one of the most important factors that has an impact on the premium for your car. IDV is the sum insured for the vehicle that is finalized by the insurer. In simple terms, it the current value of the vehicle as per market.
Cubic Capacity (CC) of the Vehicle
The engine power of your vehicle is directly proportional to your car insurance premium.
No Claim bonus (NCB)
You can save up to 50% on the Own Damage premium if you have a No Claim Bonus feature in your car policy.
Additional Discounts
Installing anti-theft devices in your car or becoming a member of the Automobile Association of India (AAI) can considerably reduce your automobile insurance premium too.
Car Accessories
Any modifications to the vehicle will add an extra amount to your insurance premium.
So you have understood very well, What is car insurance premium calculator? and the benefits to use car insurance premium calculator, so take 10 Minutes to Get Started With car insurance premium calculator[Top 10 List].1. Bajaj Allianz General Insurance Company LimitedBajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz SE. Both enjoy a reputation of expertise, stability and strength.Bajaj Allianz received the Insurance Regulatory and Development Authority (IRDA) certificate of Registration on 2nd May, 2001 to conduct various businesses (including Health Insurance business) in India. The Company has an authorized and paid up capital of Rs 110 crores. Bajaj Finserv Limited holds 74% and the remaining 26% is held by Allianz, SE.As on 31st March 2017, Bajaj Allianz continues to be one of the most financially robust insurers in the industry by maintaining its growth as well as profitability. The company has made a profit before tax of Rs. 1,078 crore and emerged as the most profitable insurer recording a profit after tax of Rs. 728 crore. The company reported a GWP of Rs. 7,687 crore, which has grown by 30.3% compared to the last fiscal year.Car Insurance Premium Calculator.Click Here2.HDFC ERGO General Insurance Company LimitedHDFC ERGO General Insurance Company is a 51:49 joint venture between the Housing Development Finance Corporation Ltd. (HDFC), India’s premier Housing Finance Institution, and ERGO International AG the primary insurance entity of the Munich Re Group of Germany. The Company marked the first merger in the General Insurance sector in August 2017, with IRDAI’s approval for the merger of HDFC ERGO General Insurance Co. Ltd. with HDFC General Insurance Ltd. (formerly Known as L&T General Insurance Co. Ltd.), and the merged entity, known as HDFC ERGO General Insurance Co. Ltd., is the third largest General Insurance provider in the private sector.HDFC ERGO offers products like Motor, Health, Travel, Home and Personal Accident Insurance in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space through its vast network of 122 branches which is spread across 106 cities and a wide distribution network.HDFC ERGO has launched several technologically innovative solutions, offering customers an enhanced service experience, like the Insurance Portfolio Organiser (IPO) App, the IPO App on the Apple Watch, the Overnight Vehicle Repairs service, Motor Self-Inspection App and the HDFC ERGO Community – https://community.hdfcergo.com/. With a paradigm shift in customer engagement because of new technology innovations, the Company has enabled newer platforms for customers to engage and interact with the company like DIA, the AI-enabled chatbot service made available on the Company’s website, Amazon Alexa and Google Assistant.HDFC ERGO has left no stone unturned in providing customer service, as the Company follows a 30 minute turn-around-time (TAT) for the processing of pre-authorised cashless Health Insurance Claims and a 15 minute TAT to process pre-authorised cashless Motor Insurance claims.Car Insurance Premium CalculatorClick Here3. CoverfoxCoverfox is an IRDAI authorised insurance broking firm. We started as a website back in 2013, with an aim to make insurance simple.If you want to buy insurance – you would want to compare features and prices of an insurance policy and buy the best policy that you deserve. Then you would expect some help if ever you want to make a claim or renew the policy.Car Insurance Premium CalculatorClick Here4. Reliance General InsuranceWe feel proud to be one of the leading general insurance companies of India. We have a huge customer base which includes individuals like you, corporates and SMEs.With our 139 offices and more than 26,587 intermediaries across India, you can now reach out to us and enjoy our services at your own convenience. Moreover, with online & telecalling services, we have become even more accessible.What do we have for you?You can look up to us for many of your insurance solutions with respect to motor, health, home, travel, marine, etc. Through our products and services, we try to meet every customer’s individual needs by offering customized plans. In our endeavor to delight our customers, we strive to come up with innovative products like India’s first Over-The-Counter health & home insurance policies.VisionWe want to score perfectly for world standard services & products, and want to be your first choice in domestic as well as global markets.Mission• Satisfy your need of insurance cover in that crucial hour• Offer incomparable customer service• Provide innovative products• Better reach through presence across India and abroadGoals• Make affordable insurance accessible to all• Keeping you, our customers, as focal point in all our operations• Protect policy holders’ interests• Be the most innovative in product developmentCar Insurance Premium CalculatorClick Here5. PolicyXAt PolicyX it’s all about you, so we make sure you get the maximum by paying the minimum for your insurance. Having insurance is having a financial security in times of death, declining health, maternity, business loss, accidents, diseases and various situations. We understand and stand by you at each step as your own by helping you cover the financial losses in times of need. We have seen and have been appalled by how many times agents play in such sensitive situations by way of cheating, fraud and mis selling. To eliminate such practices in India, we bring PolicyX to you where we believe that our customers should be provided with the best personalized policies at lower premium costs by delivering the satisfaction and sense of fulfillment that you are covered in times of emergency. We connect with our customers emotionally as we understand and respect the importance of you and your family in every aspect of life.With our motto of Search > Choose > Buy, we get you instant quotes, help you select right quote and secure coverage right away with our technologically advanced system. We run complex algorithms to find plans that fit your requirements and return you features and quotes within seconds. Therefore, PolicyX has got you covered for your every insurance need. Why not get started? Get your first quote now!Car Insurance Premium Calculator.Click here6. Bharti AXA General Insurance Company LtdBharti AXA General Insurance Company Ltd is a joint venture between Bharti Enterprises, a leading Indian business group and AXA, a world leader in financial protection. Our firm commenced national operations in August 2008. We are licensed with IRDAI (Insurance Regulatory and Development Authority of India). With our comprehensive and innovative insurance solutions, we make sure you find the right match for your insurance need. We offer insurance coverage across various categories – Motor,Health,Travel, Home and more. You can easily purchase and renew policies from us online.Car Insurance Premium Calculator.Click Here7. Bankbazaarinsurance.comBankbazaarinsurance.com is an online destination for insurance comparison for customers seeking both life and general insurance products. We aim to provide customers end to end solution for their Insurance needs and build a one stop shop destination for Insurance requirements, viz. Ease and Convenience; Ease of understanding; Customized offers; Compare multiple options.Meet the Founders:Adhil ShettyAn engineering graduate from Anna University and holder of a Master’s degree in International Relations from Columbia University, Adhil held decisive positions at Deloitte Touche Tomahatsu’s US East Alliance and Cisco Systems before he dived headlong into scripting the BankBazaar story, the flagship brand of the groupArjun ShettyArjun has a Master’s degree in Operations Research from Georgia Institute of Technology and an Engineering degree from Anna University.Rati ShettyRati completed her BBA degree from the University of Madras. Rati imbibed some rich qualities from Toblerone in Brazil and Milka in the US while managing the launch and go-to market operations of many of Kraft Food’s brands in export markets across the world while working for Kraft in the US and Taiwan.Car Insurance Premium CalculatorClick Here8. Easy Insurance IndiaEasyinsuranceindia.com is another successful initiative of the professionals who founded ICM Computer Consultants and ICM Solutions in 1989 and 2001. These professionals were educated in the U. S. and possess a combined international experience of more than 40 years in the USA and India in the areas of corporate management and IT solution services. Over the past decade, ICM has helped more than 500 customers achieve their goals by providing effective custom solutions that combines software, hardware and other services.We believe we are successful today because our management focuses on customer satisfaction and customer growth which permeates through the rest of the organization.We constantly strive to make our operations more efficient, such as reengineering our processes, usage of latest technology, and many more such initiatives, which allow us to provide the customers better service and value for money.The insurance industry is becoming more and more competitive offering wide variety of choices to customers. This is a welcome change for the customers. However, due to the complexity involved, it has become extremely cumbersome for customers to do comparative shopping for insurance.Through easyinsuranceindia.com, we empower the customer with a powerful tool where the customers can compare the products offered by various insurance companies in one shot, thus enable the customers to decide on the best insurance cover for them.Our MissionICM Insurance Brokers Private Limited (ICM) is to cover the risks of people and businesses of modern economy who seek easy, transparent, complete, and cost effective insurance solutions on demand coupled with hassle-free claim settlement.Our VisionICM to be the most preferred way to purchase insurance products through easyinsuranceindia.com, its most intuitive ecommerce solutions coupled with superior customer service – during purchase and during claim.Car Insurance Premium Calculator.Click Here9.IFFCO-Tokio General InsuranceIFFCO-Tokio General Insurance was incorporated on 4th December 2000 with a vision of being industry leader by building customer satisfaction through fairness, transparency, and quick response. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group which is also the largest listed insurance group in Japan.Car Insurance Premium CalculatorClick Here10. Kotak General InsuranceA 100% subsidiary of India’s fastest growing bank, Kotak Mahindra Bank Ltd., Kotak Mahindra General Insurance was established to service the growing non-life insurance segment in India. At Kotak Mahindra General Insurance, we value customer service, quality and innovation above everything else.The company aims to cater to a wide range of customer segment & geographies offering an array of non-life insurance products like Motor, Health, etc.Kotak General Insurance has a national footprint of 13 branches spread across India (as on 31st Dec 2017) and an employee base of 354 professionals. (as of 31st Dec 2017)As a practice, the company seeks to provide a differentiated value proposition through customized products & services leveraging state of art technology & digital infrastructure.Car Insurance Premium Calculator.Click hereBottom LineInsurance has become a prime necessity of life these days and car insurance is mandatory, you can calculate insurance by above given topmost car insurance premium calculator.