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.

Asyik gowes di Surapati, Kang Emil ditabrak & dima.ki-ma.ki pemotor


Wali Kota Bandung Ridwan Kamil ditabrak seorang pengendara roda dua di Jalan Surapati, Kota Bandung, Selasa (21/8). Ridwan Kamil yang saat itu menggunakan sepeda ditabrak oleh pemotor yang menghindari razia.

Pria yang akrab disapa Emil ini mengaku ditabrak saat dirinya sedang dalam perjalanan menghadiri sebuah acara.
"Saya rutin setiap hari dari rumah di Cigadung ke Balai Kota atau Pendopo rutenya selalu lewat Suci (Jalan PHH Mustofa). Setelah melewati perempatan Jalan Suci lurus Surapati, Saya di jalur kiri sudah mepet-mepet saking sopannya bersepeda. Tiba-tiba digaris yang sama motor tanpa basa basi nabrak saya," ujar Emil kepada wartawan saat ditemui di Pendopo Kota Bandung.
Saat ditabrak, kata Emil, pengendara itu justru malah memakinya. Namun, si jagoan jalanan berubah 180 derajat, bukan main terkejut ketika tahu orang yang ia tabrak adalah wali kotanya sendiri. Mukanya langsung pucat pasi.
"Pas di titik tabrakan dia maki-maki saya karena intinya menghalangi jalan, setelah tahu saya dia pucat pasi," katanya.
Setelah dicek, Emil menyebut bahwa kendaraan yang dibawa pengendara tersebut tidak ada plat nomor. Selain itu juga tidak membawa SIM dan STNK.
"Pas dicek tidak ada nomor depan belakang. Ditanya SIM tim tidak ada, ditanya STNK bilangnya ketinggalan. Pas saya tanya kenapa ngelawan arus, alasannya ada yang ketinggalan. Pas dicek ternyata dia menghindari razia karena di daerah 100 meter di titik kejadian sedang ada razia motor. Jadi dia banyak pelanggaran, dia balik kanan melawan arus sampai menabrak saya. Jadi dosanya lima. Melawan arus, enggak pakai nomor, enggak ada SIM, enggak ada STNK, nabrak wali kota sambil bentak-bentak," ungkapnya.
Emil mengaku tidak ada yang terluka. Hanya lampu sepedanya rusak. "Ada yang ngaplek lampu tapi sudah dibenerin," ucap Emil.
Dia pun mengimbau kepada masyarakat untuk tidak meniru perilaku pengendara tersebut. Dia mengingatkan masyarakat untuk selalu menaati peraturan dalam berlalu-lintas.
"Jadi saya imbau janganlah ditiru. Kita hidup harus taat berlalu lintas. Kalau taat hidup aman, kalau tidak taat resiko tanggung sendiri. Mudah-mudahan Bandung warganya lebih dewasa dalam berkendara," pungkasnya.
Sebelumnya, di akun instagramnya @ridwankamil menulis peristiwa yang baru saja dialami dirinya saat ditabrak pengendara roda dua.
"KABUR RAZIA NABRAK WALIKOTA. Barusan pas Bike to Work, saya dan sepeda kesayangan ini ketabrak motor yang melawan arus yang mencoba kabur dari razia, di Jln Surapati. Pas dicek dosa si Akang pemotor ini mungkin memecahkan rekor MURI : 1. Gak pake plat nomer. 2. Melawan arus lalu lintas kabur dari razia. 3. Gak bawa SIM. 4. Gak bawa STNK dan 5. Nabrak Walikota sambil bentak2. **Untung gak nambah dosa no 6: pinjem duit walikota utk bayar tilangnya," tulis Emil.


Sumber : merdeka.com
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