Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.
Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

Ini Daftar 7 Orang Terkaya di Indonesia, Semua Terkejut Melihat No 1


Menjadi orang yang kaya bisa jadi merupakan impian bagi beberapa orang.
Menjadi orang kaya digambarkan sebagai orang yang hidup serba berkecukupan dan apapun yang diinginkannya bisa jadi selalu 'tersedia'.
Tak hanya di luar negeri seperti di negara-negara Amerika Serikat, Arab Saudi, Uni Emirat Arab dan masih banyak negara-negara kaya lainnya.
Indonesia adalah negara kaya dengan sumber daya alam yang melimpah.
Maka tak heran jika di negara yang kita cintai ini terdapat sejumlah miliarder dengan aset kekayaan yang besar.
Sebagai catatan, orang yang bisa disebut miliarder dunia adalah mereka yang memiliki kekayaan pribadi minimal senilai 1 miliar dolar, atau sekitar 13 triliun rupiah (kurs Rp 13.000). Nah, siapa sajakah mereka. Berikut daftar nama-nama orang terkaya di Indonesia, mulai dari urutan ke-7 :
7. Murdaya Poo

Murdaya Widyawimarta Poo yang saat ini berusia 76 tahun merupakan miliarder yang memiliki aset harta sebesar 2,1 miliar dolar atau setara 27,3 triliun rupiah.
Ayah dari empat anak ini adalah sosok lelaki dibalik perusahaan kontraktor terkenal yaitu Central Cipta Murdaya Group. Selain bisnis, beliau juga sukses dalam karir politik.
Dunia politik yang Murdaya Poo jajaki adalah sebagai anggota legislatif periode 2004 hingga 2009 dari partai PDIP.
Usaha pertamanya bergerak dalam bidang kelistrikan yaitu perusahaan Kencana Sakti Indonesia.
Selanjutnya suami dari Siti Hartati Murdaya ini melakukan kesepakatan kerja bersama perusahaan alat olahraga besar di dunia yaitu Nike.
Saat ini, kekayaan sebesar 2,2 miliar dolar AS tersebut menempatkan ia di urutan 1.039 dalam daftar Forbes.
6. Tahir

Nama lengkapnya adalah Dato’ Sri Tahir, lahir pada 25 Maret 1952 di kota Surabaya.
Dia dibesarkan oleh sepasang ayah dan ibu yang menghidupi keluarga dengan membuat becak.
Tahun 1971, dia menamatkan pendidikan menengah atas (SMA) di SMA Kristen Petra Kalianyar Surabaya.
Sosok Tahir tumbuh berkembang menjadi seorang pengusaha, investor, sekaligus pendiri Mayapada Group yang sukses.
Mayapada Group adalah sebuah holding company yang memiliki beberapa unit bidang usaha di Indonesia.
Beberapa dari bidang yang digeluti adalah perbankan, TV berbayar dan media cetak, properti dan rumah sakit.
Dengan aset kekayaan senilai 2,9 miliar dolar atau sekitar 37,7 triliun rupiah, kini ia menjadi salah seorang konglomerat di Indonesia.
Dalam daftar Forbes Internasional, kekayaan Tahir berada di posisi ke 744.
5. Chairul Tanjung

Dengan kekayaan sebesar US$ 4,9 miliar atau sekitar 63,7 triliun rupiah, pria lulusan Universitas Indonesia ini didaulat sebagai orang terkaya ke-4 di Indonesia atau rangking #371 dalam daftar internasional.
Chairul Tanjung lahir di Jakarta, 16 Juni 1962, dilahirkan di Jakarta dalam keluarga yang cukup berada.
Ayahnya A.G. Tanjung adalah wartawan zaman orde lama yang menerbitkan surat kabar beroplah kecil.
Chairul Tanjung adalah mahasiswa kedokteran yang memperoleh banyak prestasi, diantaranya sebagai Mahasiswa Teladan Tingkat Nasional 1984-1985.
Saat kuliah ia mulai belajar tentang bisnis. Kini melalui perusahaan konglomerasi miliknya, Para Group menjadi sebuah perusahaan bisnis membawahi beberapa perusahaan lain seperti Trans TV dan Bank Mega.
4. Sri Prakash Lohia

Jumlah kekayaan Sri Prakash Lohia menurut Majalah Forbes saat ini ditaksir 5,4 miliar dolar atau sekitar 70,2 triliun rupiah.
Dari namanya, anda mungkin bisa menebak bahwa miliarder ini adalah keturunan India.
Sri Prakash Lohia lahir di Kalkuta-India pada 11 Juli 1952.
Lohia lahir dan besar di India, tetapi menghabiskan sebagian besar masa hidup profesionalnya di Indonesia sejak tahun 1974.
Lohia pindah ke Indonesia bersama ayahnya, Mohan Lal Lohia, dan merintis Indorama Synthetics, sebuah perusahaan yang memproduksi benang pintal.
Pada tahun 2017, Forbes menempatkannya sebagai orang terkaya ke-3 di Indonesia dengan kekayaan bersih US$ 5,4 miliar, atau di peringkat ke-311 secara global.
3. Michael Hartono

adalah orang terkaya ke dua di Indonesia.
Dalam daftar Forbes, ia berada di posisi 145. Michael Hartono lahir di Kudus, 2 Oktober 1939. Ia menempuh pendidikan formal di Universitas Diponegoro selama empat tahun dan kemudian karirnya berlanjut di dunia bisnis, sebagai Direktur PT Djarum.
Selain merambah di sektor keuangan, kiprah Michael Hartono bersaudara dalam sektor agribisnis terlihat dengan mempunyai bisnis kelapa sawit dan kilang pengolahan.
2. Robert Budi Hartono

Dengan jumlah kekayaan sekitar 9,7 miliar dolar atau 126,1 triliun rupiah, Rudi Hartono merupakan orang kaya di Indonesia, dan berada di peringkat 141 dalam daftar Forbes.
Robert Budi Hartono lahir pada tanggal 28 April 1941 di kota Semarang. Ayahnya bernama Oei Wie Gwan pemilik usaha kecil Djarum Gramophon yang saat ini menjadi sebuah perusahaan rokok terbesar di dunia.
Bersama saudaranya, Robert Budi Hartono terus mengembangkan bisnis warisan ayahnya, termasuk berinvestasi di sektor bisnis keuangan dan perbankan, khususnya di Bank BCA.
1. Orang yang salat sunnat sebelum subuh 2 rakaat, Jumlah Kekayaannya Melebihi Dunia dan Seluruh Isinya.

Dunia begitu luar biasa, seluruh makhluk yang Allah ciptakan amat dahsyat, mulai dari hewan ber-sel satu hingga miliaran bintang di galaksi.
Demikian juga, seluruh harta benda yang Allah karuniakan, serta segala kesehatan jasmani yang Allah berikan, sungguh merupakan nikmat dunia yang tak terkira.

Namun sadarkah kita, ada satu amalan ringan yang ternyata nilainya lebih baik dibandingkan dunia dan segala isinya?Ya, amalan itu adalah dua rakaat salat sebelum Subuh, yakni salat sunah Fajr. Subhanallah!
Dari Aisyah ra, bahwa Rasulullah Shallallaahu 'alaihi wa Sallambersabda, “Dua rakaat shalat sunnah fajar, lebih baik dari pada dunia dan segala isinya.” (HR. Muslim, Turmidzi)
Semoga bermanfaat. (*)

Sumber : tribunmanado.co.id
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