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 Fakta Baru Karnaval TK di Probolinggo yang Berpakaian Serba Hitam, Kepala Sekolah Sampai Bersum.pah


Baru-baru ini, netizen dihebohkan oleh sebuah video yang beredar di dunia maya.
Video yang telah viral itu menampilkan karnaval anak - anak TK di Kota Probolinggo siang ini.
Video ini menjadi viral karena dianggap netizen sebagai pawai yang kontroversial.
Berikut ini sejumlah fakta yang berhasil dirangkum oleh TribunJatim.com.
1. Kenakan pakaian serba hitam
Anak-anak TK tersebut mengenakan pakaian serba hitam.
Mereka berbaris dan berjalan di sepanjang jalan.
2. Bawa replika senjata
Masing - masing anak di karnaval tersebut terlihat membawa senjata replika warna hitam.
Keberadaan video ini mendapatkan banyak komentar.
Bahkan, banyak pihak yang mengecam anak - anak TK ini tak pantas menampilkan pakaian dan replika senjata warna hitam dalam pawai atau karnaval yang bertujuan menyemarakkan HUT Kemerdekaan ke-73.
Kostum yang dikenakan anak - anak TK ini memang tak pantas dikenakan karena momen dan temannya kemerdekaan.
Umumnya, anak - anak yang terlibat dalam pawai atau karnaval ini kostumnya unik bisa pakaian adat, daur ulang dan lainnya.
3. Kapolres sudah panggil panitia
Kapolres Kota Probolinggo, AKBP Alfian Nurrizal menjelaskan, pihaknya sudah mengklarifikasi kondisi ini.
Ia sudah memonitor semuanya.
Bahkan, ia sudah memanggil pihak ketua panitia, kepala sekolah TK, pihak Kodim 0820, dan lainnya.
Ia menyebutkan, setelah ditelusuri, TK ini adalah TK Kartika 569 atau yang menjadi binaan Kodim 0820 Probolinggo.
4. Untuk menghemat biaya
Sejatinya, apa yang dilakukan anak - anak TK ini tidak memiliki maksud apa-apa.
"Sudah saya panggil dan mintai keterangan. Kenapa pakai pakaian hitam dan replika senjata ini, mereka mengaku hanya sebatas untuk menghemat biaya. Tidak ada maksud lebih daripada itu," kata AKBP Alfian Nurrizal saat dihubungi Surya, (grup TribunJatim.com).
Ia menjelaskan, pawai anak - anak jika mengenakan kostum pakaian adat, akan dipastikan menelan biaya yang besar.
Maka dari itu, pihak sekolah mengusulkan untuk mengenakan pakaian hitam polos.
5. Alasan dibawanya replika senjata
Dan kebetulan, kata AKBP Alfian, di TK tersebut ada replika senjata.
Itu tidak terbuat dari bahan dasar yang membahayakan. Jadi aman.
"Ya sudah, akhirnya pihak sekolah menambahkan replika senjata itu ke anak - anak. Itu sangat tidak membahayakan," paparnya.
Ia menyampaikan, pihak sekolah juga mengklarifikasi bahwa itu jauh dari unsur kekerasan.
Hal ini karena memang pakaian dan senjata itu digunakan untum menghemat biaya, juga sekolah mengambil tema "Bersama perjuangan rosullah kita tingkatkan keimanan dan ketaqwaan kepada Allah".
"itu tema yang diambil TK ini. Jadi baju, dan replika senjata hanya menunjang saja. Pesan yang ingin disampaikan itu hanya ingin mengingatkan perjuangan rosulullah saja. tidak ada maksud untuk kekerasan atau bahkan sampai radikalisme," paparnya.
AKBP Alfian menyampaikan, permasalahan ini sudah clear dan tidak ada yang perlu dicemaskan. Pihak sekolah, kodim, panitia dan lainnya sudah dikonfrontir.
"Sudah tidak ada yang perlu dipermasalahkan. Ia juga menghimbau kepada masyarakat tetap tenang dan jangan mudah terpancing. Apa yang dilakukan anak - anak tadi tidak ada maksud apa - apa, selain menghemat biaya dan menyesuaikan tema yang diangkat oleh pihak sekolah," jelasnya.
Sekadar diketahui, pawai kemerdekaan ini diikuti 158 lembaga PAUD dan TK se-Kota Probolinggo.
Pawai ini dilakukan dalam rangka HUT Kemerdekaan RI ke-73.
Rute pawai melewati Jalan Panglima Sudirman – Jalan Suroyo – dan finish di alun-alun.
6. Kepala sekolah sampai bersumpah
Terpisah, Kepala Dinas Pendidikan Pemuda dan Olahraga, Muhammad Maskur mengaku akan memanggil pihak sekolah ke kantor Senin besok.
Ia akan meminta penjelasan dan tanggung jawab sosial atas apa yang sudah terjadi dan meresahkan ini.
"Saya tadi sudah menghubungi pihak sekolah, dan kepsek sampai bersumpah tidak ada maksud apa-apa. Kepsek TK berjanji tidak akan mengulangi perbuatan itu. Dia (kepsek) menyampaikan penampilan seperti itu hanya untuk hiburan dan tidak ada maksud negatif sama sekali," kata Muhammad Maskur.
7. Penjelasan Polda Jatim
Menanggapi kejadian hal tersebut, Kepolisian Daerah (Polda) Jawa Timur juga bertindak menindaklanjuti untuk meluruskan informasi kebenaran video dalam kejadian itu.
Kabid Humas Polda Jatim Kombes Pol Frans Barung Mangera mengatakan pihaknya telah menerima informasi kalau dari pihak sekolah bersama instansi terkait sudah memberikan klarifikasi terkait kejadian ini.
"Iya benar kejadian itu (Karnaval) terjadi di Kota Probolinggo," ujarnya saat dihubungi Surya (grup TribunJatim.com), Sabtu (18/8/2018).
Barung mempersilahkan untuk mengakses informasi kepada pihak-pihak terkait misalnya ke pihak panitia dan guru di sekolahnya.
Pasalnya, ketua panitia dan kepala sekolah TK Kartika yang didampingi Kapolres Probolinggo Kota, Dandim 0820/ Probolinggo, dan Kadiknas Kota Probolinggo telah melakukan konferensi pers untuk klarifikasi mengenai dampak dari karnaval ini.
"Sudah ada jumpa pers dari instansi terkait, itu klarifikasinya," ucap Barung.
Meski demikian Barung masih belum membeberkan terkait rencana apakah akan ada tindakkan penyelidik lanjutan.
Terpenting, pihaknya mengimbau kepada seluruh masyarakat agar selalu bersikap positif setiap kali menyikapi suatu permasalahan khususnya di media sosial.


Sumber : tribunnews.com
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