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.

Lailatul Qadar Turun, Warga Berlarian Mengira Masjid Terbakar. Benarkah? Simak Kisah Nyata Ini



Ini kisah nyata yang diceritakan turun temurun kepada santri Pondok Pesantren Darud Dakwah Wal Irsyad (DDI) Mangkoso, Kecamatan Soppeng Riaja, Kabupaten Barru, Sulawesi Selatan.
Kisah spiritual yang dialami Anre Gurutta Haji (AGH) Abdurrahman Ambo Dalle, pendiri DDI yang disaksikan warga sekitar.
Saat itu Anre Gurutta Haji (AGH) Ambo Dalle itikaf tengah malam di Masjid Mangkoso, tepat di malam ke-27 Ramadan.
Tiba-tiba sebercak cahaya terang berderang turun dari langit.
Cahaya berkilauan di tengah kegelapan malam itu, maklum waktu itu Mangkoso belum dialiri listrik, masuk ke masjid lewat atap.
AGH Ambo Dalle yang sedang tepekur, duduk bersila di tengah ruangan masjid, tiba-tiba dikelilingi tujuh gumpalan cahaya. Masjid jadi terang benderang.
Sejumlah warga yang menyaksikan peristiwa itu berlarian ke masjid karena mengira masjid sedang terbakar.
Saat warga itu tiba, cahaya itu perlahan-lahan melayang ke arah kediaman AGH Ambo Dalle, sekitar 50 meter dari masjid itu.
Peristiwa itu terjadi 77 tahun lalu, malam ke-27 Ramadan, tahun 1939 masehi.
AGH Ambo Dalle mengalami peristiwa Lailatul Qadar di tahun pertama pengembangan Pondok Madrasah Arabiah Islamiyah (MAI) Mangkoso, belakangan diubah namanya menjadi Darud Dakwah Wal Irsyad (DDI) dalam pertemuan alim-ulama di Soppeng.
Masjid tempat yang ditempati AGH Ambo Dalle itikaf saat didatangi Lailatul Qadar itu kini bernama Masjid Jami’ Addariah di Komplek Pondok Pesantren DDI Mangkoso.
“Peristiwa spiritual luar biasa tersebut ditandai oleh seberkas cahaya yang memenuhi setiap sudut masjid.Masyarakat mangkoso yang kebetulan terjaga malam itu menyangka kalau masjid terbakar.
Gurutta Abdul Rahman Ambo Dalle mendoakan agar diberi ilmu yang berkah dan tujuh generasinya menjadi ulama besar Ahlussunnah Wal Jamaah,” jelas pembina Pondok Pesantren DDI Mangkoso, Ahmad Rasyid Amberi Said beberapa tahun lalu.

Untuk mengenang peristiwa itu, empat buah tegel di tengah Masjid Jami’ Addariah dilengketkan tanpa campuran semen.
“Di sinilah Gurutta duduk saat didatangi Lailatul Qadar,” kata salah seorang jamaah suatu ketika.
Sebagian warga Mangkoso, yang hidup di masa itu, mengatakan, beberapa hari air sumur di rumah AGH Ambo Dalle terasa manis dan lezat airnya setelah peristiwa itu.
AGH Ambo Dalle hijrah ke Mangkoso dari Sengkang untuk mengembangkan pengajian di Soppeng Riaja atas permintaan berkali-kali Datu Soppeng Riaja, Andi Yusuf Dagong Petta Soppeng.
Pengajian perdana dilakukan di Masjid Mangkoso hari Rabu tanggal 29 Syawal 1357 H atau 21 Desember 1938 M.
Sejak itu Mangkoso dikenal sebagai kota “pangngaji”.
Dijuluki tempat yang tenang, penduduknya hidup tenteram.
Jangankan perampok atau pencopet, pencuri sekecil apapun tidak pernah ada.
Bahkan, bila ada di antara warga melakukan perbuatan zina, Gurutta langsung diberitahu.
Beliau lalu menyampaikan kepada masyarakat agar orang tersebut dikeluarkan dari kampung.
Gurutta meminta agar tradisi lama masyarakat yang bertentangan dengan ajaran Islam, seperti memuliakan batu-batu kubur dan pohon-pohon besar segera dihentikan.
Gurutta bahkan memerintahkan agar batu-batu nisan yang telah dibongkar itu dijadikan pondasi jalan agar bisa diinjak oleh masyarakat untuk menunjukkan bahwa batu-batu tersebut tidak punya kekeramatan apa-apa.
Di masa pemerintahan Arung Petta Cowa, ia sangat mempertahankan tradisi tersebut.
Namun sebelum menghembuskan nafasnya yang terakhir, Petta Coa memerintahkan supaya amalan yang mengandung unsur khurafat itu segera dihentikan.
4 Tanda Lailatul Qadar Sudah Turun
Lailatul qadar malam paling istimewa yang 'dicari-cari' pada malam-malam ganjil 10 terakhir Ramadan.
Sudah tahu tanda-tanda jika lailatul qadar turun? baca berikut ini.
“Sesungguhnya Kami telah menurunkannya (Al-Qur’an) pada malam kemuliaan. Dan tahukah kamu apakah malam kemuliaan itu? Malam kemuliaan itu lebih baik daripada seribu bulan.” (Al Qadr: 1-3)
Pertama-tama, jika diartikan dari namanya, Lailatul Qadar, berasal dari bahasa Arab yang berarti malam ketetapan.
Mengapa demikian? karena pada malam tersebut, Al-Qur’an diturunkan sebagai pedoman hidup manusia dan barang siapa yang beribadah maka pahalanya akan dilipat gandakan lebih dari 29.500 ganda.
Soal tanda-tandanya, para ulama beda pendapat, tentang kapan terjadinya Lailatul Qadar.
Namun yang lebih kuat pendapatnya yaitu pada malam-malam ganjil di 10 hari terakhir Ramadan.
Yang paling terkenal, pendapat tentang Lailatul Qadar terjadi pada malam ke-27 Ramadan.
Akan tetapi, perbedaan penentuan awal mulai 1 Ramadhan membuat kita tidak bisa menjadikan pendapat itu sebagai patokan pasti.
Dari Ibnu Umar, “Rasulullah SAW telah berkata, “barang siapa yang ingin menjumpai malam qadar, hendaklah ia mencarinya pada malam dua puluh tujuh.” (HR. Ahmad dengan sanad yang sahih)
“Rasulullah SAW sangat bersungguh-sungguh pada 10 hari terakhir dari bulan Ramadhan, melebihi kesungguhan beliau di waktu lainnya.” (HR. Muslim)
Jadi, bagaimana kita bisa tahu Lailatul Qadar telah datang? Rasulullah SAW pernah bersabda tentang tanda-tanda datangnya Lailatul Qadar.
Bila kita merasakan keempat hal dibawah ini, maka kemungkinan besar Lailatul Qadar telah kita temui. Keempat tanda tersebut yaitu:
1. Udara dan suasana pagi tampak damai dan tenang.
2. Keesokan hari malam Lailatul Qadar, sinar matahari tampak cerah namun teduh.
3. Malamnya terang, tidak dingin, tidak berawan, tidak panas, dan tidak ada badai.
4. Siapa yang beribadah di malam ini, mendapatkan kesan berbeda dari malam-malam yang lainnya.
Dari Aisyah. Ia berkata, “Saya bertanya, Ya Rasulullah, bagaimana jika saya dapat mengetahui malam qadar itu, apakah yang sebaiknya kita ucapkan pada malam itu?” jawab beliau, “ucapkanlah olehmu: ya Allah, sesungguhnya engkau pengampun, suka mengampuni kesalahan, maka ampunilah kesalahanku.” (HR. Lima ahli hadist kecuali Abu Dawud, dan Tirmidzi menilainya shahih)
Malaikat Padati Bumi
Dikatakan, walau keberadaan Laitatul Qadar sangat misterius namun ada dan nyata tak banyak coba digapai oleh umat Islam yang sedang menjalani Ramadan.
Padahal jika tahu, nilai satu hari itu sama dengan seribu bulan hingga keberkahannya, memang sangat mengusik untuk didekati, digapai dan didekap karena malam itu adalah malam yang teramat luar biasa!
Apalagi satu fenomena istimewa yang tak bisa dilihat secara nyata, namun memang bisa dirasakan kehadirannya adalah, kedatangan para malaikat yang jumlahnya teramat sangat banyak yang berbondong-bondong turun ke bumi dengan memenuhi dua pertiga alam jagad raya, hingga langit terasa sesak, bagaimana bisa mereka datang pada saat bersamaan ke dunia ini?
Bahkan Hadist Riwayat Thayalisi dalam Musnadnya no.2545 juga Ahmad II/592 dan Ibnu Khuzaimimah dalam shahihnya II/223 menyebutkan: “Lailatul qadar itu pada malam27 atau 29, sungguh malaikat yang turun pada saat itu ke bumi lebih banyak dari jumlah batu kerikil.”
Diterangkan dalam Surat Al Qadr [97] ayat 4: “Pada malam itu turun malaikat-malaikat dan Malaikat Jibril dengan izin Tuhannya untuk mengatur segala urusan.”
Mengapa banyak malaikat yang turun kala lailatul qadar datang? Ibnu Katsir dalam kitab tafsirnya mengatakan, banyaknya malaikat yang turun saat itu, dikarenakan banyaknya barakah dari malam lailatul qadar ini.
Mereka turun bersamaan dengan turunnya barakah dan rahmat Allah, sebagaimana mereka hadir di waktu-waktu seperti ketika al-Qur’an dibacakan, mereka mengelilingi majelis-maajelis dzikir, dan bahkan pada waktu itu disinyalir sayap-sayap para malaikat diletakkan pada para penuntut ilmu yang dengan segenap hati melakukan tugasnya.
Hal ini dikarenakan sebagai penghormatan untuk mereka.
Rasanya?
Bagaimana dengan tanda-tanda lailatul qadar yang sering didengungkan kelompok musik “Bimbo”, seperti angin yang sepoi-sepoi atau malah berhenti berhembus, margasatwa tak berbunyi dan gunung-gunung menahan nafasnya, ternyata hanya sebagai makna simbolis saja, dimana keheningan, kesyahduan ataupun ada rasa pasrah menyelinap, hati yang terasa nyaman, rindu yang meronta-ronta pada Sang Pencipta Alam ini.
Keberadaan malaikat ini sungguh bukan hanya sekedar rumor , karena tertera dari Anas ra yang berkata, Rasulullah bersabda:
“Pada malam lailatul qadar, malaikat Jibril as, turtun kedunia dengan sekumpulan malaikat lainnya, lalu berdoa memohonkan rahmat untuk berdzikir kepada Allah..” (HR Baihaqi Syu’abul Iman).
Menurut hadist riwayat ini, terjadi percakapan antara malaikat dan Allah yang menanyakan apa yang patut diberikan kepada umat yang telah menyempurnakan pekerjaannya.
Pekerjaan yang dimaksud tentulah kerja keras mereka dalam menghidupkan ramadhan yang penuh berkah dengan segala macam amalan yang telah dituntunkan oleh Nabi-Nya, dengan sungguh-sungguh dan penuh keikhlasan dan hanya mengharapkan ridha Allah semata.
Lalu, bagaimana dengan nasib mukmin yang tak antusias terhadap kehadiran lailatul qadar ini? Tentu kerugian tiada tara, karena Allah akan berikan ganjaran berupa pahala secara penuh untuk umat yang tak hanya sekedar melakukan ibadah ramadan ini.
Sebagai aktivitas rutinitas yang selalu berulang tiap tahun, namun berupaya untuk memperbaiki diri, instropeksi sedalam-dalamnya dengan apa yang dilakukannya setahun penuh, dengan meningkatkan ibadah,
perbanyak sedekah dan meminimalisasikan keburukan-keburukan yang selalu dilakukan sepanjang tahun, bermunajad meminta maaf kepada Allah atas dosa-dosa yang dilakukannya.
Kemudian mencari keberadaan lailatul qadar dan para malaikat-Nya pada malam hari nan syahdu.
Dan menyempurnakan kewajiban puasanya lalu bergegas beranjak melakukan shalat idhul fitri dilapangan. Dimana orang-orang beriman meninggikan suara untuk berdoa.
Sehingga Allah berkenan dengan bersumpah untuk mengabulkan doa-doa umat pilihannya ini.
Dan Allah pun berkenan menghapus dosa-dosa dan menggantikan keburukan-keburukan umat-Nya dengan kebaikan.
Dua Bisikan
Imam Al-Ghazali menyatakan jika kehadiran malaikat yang mendekati manusia itu diberikan ilustrasi oleh Syaikh Muhammad Abduh sebagai berikut, setiap orang itu merasakan dalam dirinya dua bisikan, yakni bisikan baik dan buruk.
Dan bukan tak mungkin seringkali terjadi pertentangan antara keduanya.
Hingga seringkali kedua bisikan itu malah merecoki manusia untuk menerima atau menolak atau bahakan mencegah hingga tibalah ‘sidang’ yang memutuskan sesuatu.
Lalu, siapakah yang bertugas membisikan kebaikan? Tentu malaikat-lah tugasnya dan yang membisikan keburukan tak lain dan tak bukan adalah malaikat, agar manusia terjerembab kedalam dosa.
Dan apa sebenarnya tugas para malaikat pada malam lailatul qadar itu? Tentu menemui para umat yang sudah siap lahir batin untuk menyambut ramadhan ini bukan dengan hal yang amburadul atau asal-asalan, namun persiapkan dengan sebaik-baiknya.
Hingga orang-orang yang sangat siap menyambut lailatul qadar ini dalam jiwanya akan senantiasa tentram, aman dan nyaman karena selalu disertai malaikat sepanjang hari hingga mendorongnya untuk melakukan kebaikan-kebaikan dan dalam tubuhnya.
Jiwanya merasakan kedamaian yang luarbiasa sampai terbit fajar! Bahagianya umat yang menerima kehadiran malaikat sepanjang malam dan merasakan perasaan nyaman damai dan sejahtera sampai terbit subuh!
Umat pilihan-Nya yang mendapatkan lailatul qadar dan disertai para malaikat yang berdengung dan bertasbih menyebut Asma-Nya akan terlihat bagai orang baru dengan jiwa yang terbasuh nikmat Illahiyah yang tiada batasnya.
Penerima lailatul qadar terlihat tak akan berhenti melakukan kebaikan-kebaikan dalam jangka waktu pendek saja, karena pada dasarnya ia akan menginspirasi banyak umat untuk melakukan hal-hal positif lainnya.
Ia akan menjadi pioneer yang ikut menerangi kehidupan ini sampai di hari kemudian kelak.
Terbukti, jika para malaikat turun ke bumi saat lailatul qadar memang bukan isapan jempol.


Sumber : tribuntimur.com
close[CLICK 2x UNTUK MENUTUP]