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.

7 Atlet Ini Bernasib Kurang Beruntung, Usai Pensiun Jadi OB sampai Pengamen, Hidup Miris di Hari Tua


Jika dikatakan sebagai negara tanpa atlet hebat, tentunya adalah salah karena Indonesia pernah memiliki olahragawan hebat atau bahkan sampai sekarang masih mencetak orang-orang yang berkecimpung dalam dunia olahraga yang berprestasi di dalam atau luar negeri.

Dari tahun ke tahun, ada beberapa atlet dari dalam negeri yang pernah menorehkan kemenangan dan mengharumkan nama Indonesia dalam bidang olahraga di kancah internasional. Sayangnya, tidak semua olahragawan Tanah Air itu memiliki nasib baik ketika dirinya sudah tak lagi menekuni dunia olahraga dan memiliki hidup yang cukup memprihatinkan di hari tua mereka.

Ditambah lagi, jarang dari mereka yang terekspos media dan mendapatkan perhatian dari negara walaupun olahragawan-olahragawan ini pernah mengharumkan nama Indonesia di dunia internasional. Berikut ini adalah beberapa atlet hebat dan berprestasi Tanah Air yang justru memiliki kisah pilu di hari tua mereka.

1. Wongso Suseno

Petinju dari Tanah Air yang berhasil membuat sejarah dengan menjadi juara dunia OPBF pertama untuk Indonesia kelas Welter (63 kg). Selain sabetan prestasi yang cukup prestisius tersebut, pria asal Kota Malang ini banyak penghargaan lain yang berhasil didapatkannya. Bahkan antara tahun 1975-1982 dapat dikatakan sebagai era kejayaannya.


Sayangnya, ketika menapaki hari tua, Wongso harus berjuang untuk dapat hidup dan menghidupi keluarganya. Dia hidup susah dengan bekerja serabutan untuk tetap dapat membayar kontrakan sampai makan sehari-hari.

Di rumah kontrakannya yang dapat dibilang sangat kecil, hanya ada 2 benda paling berharga miliknya, yaitu medali emas pemberian mantan Menpora Abdul Gofur dan Penghargaan Satya Lencana dari mantan Menpora Akbar Tandjung.

2. Denny Thios


Di era tahun 80-90an, nama Denny Thios sangat bersinar sebagai atlet angkat berat. Tidak hanya penghargaan tingkat nasional saja, Denny juga mengikuti beberapa kejuaraan tingkat internasional. Bahkan dia berhasil menjadi menyabet medali perak di PON XII, medali emas di kejuaraan angkat berat tingkat Asia, beberapa medali dari kejuaraan angkat berat di Inggris, Belanda dan Swedia sampai dengan memecahkan 3 rekor dunia.

Ketika sudah memasuki usia senja, untuk mencukupi kebutuhan sehari-hari dan menopang perekonomian keluarga, Denny harus bekerja sebagai tukang las yang penghasilannya tidak menentu karena tergantung dari ada tidaknya orang yang membutuhkan jasanya.

3. Yuni Astuti


Yuni Astuti adalah seorang mantan atlet bulutangkis yang pernah meraih juara pertama pada ganda putri PON 1986 di Jakarta. Cukup lama Yuni berkiprah dalam dunia bulutangkis dan mendapatkan banyak pengalaman dari cabang olahraga yang digelutinya itu.

Sayangnya, dia harus mundur dari dunia bulutangkis setelah mengalami cedera kaki. Semenjak gantung raket, tabungan dan hasil yang dia dapat selama menjadi atlet lama kelamaan habis untuk mencukupi kehidupan sehari-hari.

Bahkan dia harus menjadi seorang pengamen di Terminal Bus Purabaya, Surabaya agar tetap dapat mencukupi kebutuhan dan demi 3 buah hatinya yang sudah beranjak besar itu.

4. Leni Haini


Sukses mengibarkan bendera Merah Putih di kancah dunia, Leni Haini adalah seorang mantan atlet dayung yang kini hidup memprihatinkan dengan menjadi buruh cuci. Nasibnya yang tragis tersebut ditambah dengan salah seorang anaknya yang menderita penyakit kerapuhan kulit.

Dikarenakan hal itu, dia dan suami harus menyediakan setidaknya Rp 1,5 juta setiap bulannya untuk biaya pengobatan. Di masa jayanya, Leni berhasil mengharumkan nama Indonesia dengan menyumbang 2 medali emas dalam kejuaraan perahu naga Asia di Singapura, 3 emas dan 1 perak di kejuaraan dunia perahu naga yang diselenggarakan di Hong Kong sampai dengan medali emas untuk kejuaraan perahu naga Asia di Taiwan.

5. Marina Segedi


Marina Segedi adalah mantan atlet pencak silat yang menyumbang medali emas untuk Indonesia di kejuaraan ASEAN Pencak Silat Kelas A Putri di tahun 1983 yang dihelat di Singapura.Selain itu, banyak pula penghargaan yang dia peroleh baik di tingkat nasional maupun internasional lainnya.

Tidak seperti ketika masih menjadi jawara dalam cabang pencak silat, kini hidupnya jauh dari apa yang dikatakan nyaman.Hidupnya serba pas-pasan dan harus menumpang di rumah orang tuanya. Agar dapat menghidupi anak-anaknya, Marina harus bekerja sebagai sopir taksi.

6. Ramang


Tak kalah menyedihkan, mantan pemain Timnas Sepakbola Indonesia dan mantan pemain PSM Makassa yang waktu itu masih bernama Makassar Voetbal Bond (MVB) bernama Ramang harus hidup serba memprihatinkan.

Mulai dari pekerjaan sebagai kenek truk sampai dengan tukang becak, pernah dia lakoni selepas pensiun dari sepakbola. Bahkan di hari tuanya, Ramang tidak memiliki rumah sendiri dan harus menumpang di sebuah rumah temannya yang sangat kecil dan sempit.

Di era jayanya, Ramang sangat terkenal dan menjadi pemain favorit baik di MVB ataupun ketika dia membela Timnas Sepakbola Indonesia. Dari kakinya, tercetak 19 gol dari 25 gol yang dikemas oleh PSSI ketika melawat ke beberapa negara di Asia (Filipina, Hong Kong, Thailand dan Malaysia).

Tidak hanya itu saja, salah satu gol yang cukup spektakuler dari kaki pria tua pernah tercipta saat PSSI menekuk RCC dengan skor 2-0 di pertandingan yang dihelat menjelang Kejuaraan Dunia di Swedia, 1958.

Pemain legendaris PSM Makassar dan juga Timnas Sepakbola Indonesia ini tutup usia di usia 59 tahun pada tahun 1987 karena penyakit paru-paru basah. Sampai meninggal pun, penghargaan yang disematkan untuknya hanya sebuah patung dari bahan ala kadarnya di pintu utara Lapangan Karebosi.

7.Ellyas Pical


Elly merupakan petinju Tanah Air yang mampu meraih predikat juara dunia bantam yunior pada 1985. Gelar tersebut diraih oleh Elly dengan mengalahkan petinju asal Korea Selatan, Ju-do Chun.

Dua tahun berselang, gelar juara dunia itu terlepas dari genggaman Elly setelah dikalahkan petinju asal Thailand, Khaosai Galaxy. Ia dikabarkan sempat menjadi satpam dan office boy, meski memberi gelar nasibnya tampak jauh dari perhatian Pemerintah.



Sumber : tribunmanado.co.id
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