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.

Ustadz Abdul Somad Blak-blakan Hingga Lelucon Saat Ceramah di Medan Soal Cawapres


Ustaz Abdul Somad (AUS) dikaitkan akan masuk salah satu calon kuat menjadi Cawapres. Berita tentang Ustaz Abdul Somad bakal jadi Cawapres santer dan jadi bahan perbincangan beberapa waktu belakangan.

Saat melakukan ceramah di Pesantren Darul Quran, Ustaz Abdul Somad menjawabnya dengan candaan yang membuat ratusan orang yang hadir tertawa. Ustaz Abdul Somad membantah dirinya dikaitkan dengan calon Wakil Presiden, ia mengatakan hanya sebuah isu pada tahun politik saat ini.

"Hayo, siapa yang sebut-sebut saya jadi wapres, tadi saya dengar," ucap Ustad Abdul Somad, saat melakukan ceramah di Pesantren Darul Quran, Deliserdang, Senin (6/8/2018). Ustad (KBBI: Ustaz).
"Mana lah mungkin saya capres, jadi penceramah saja dulu saja saya," ucapnya.

Ia juga mengatakan, untuk menunggu hasil dari Komisi Pemilihan Umum (KPU) pusat, siapa yang akan menjadi cawapres. "Gak usah kita sehat-sehat isu dulu, lihat saja nanti pada waktunya, siapa yang akan menjadi calon," ucapnya. 

Kemudian, Abdul Somad juga menyampaikan, untuk selalu mendukung pemerintah dalam mensukseskan program yang baik pada rakyat.  "Kita dukung aja pemerintah siapa pun yang menjadi presiden kelak mendukung dan kesejahteraan rakyat," ujarnya. Kedatangan ke pesantren Darul Quran, untuk mengisi ceramah di tempat tersebut.

Pasalnya pesantren tersebut akan menggelar syukuran sekalian peresmian. Sykuran juga dihadiri oleh Gubernur dan Wakil Gubernur Sumatera Utara terpilih Edy Rahmayadi dan Musa Rajekshah. Adalah pula yang hadir Ikatan Keluarga Nasution (IKANAS) selaku panitia acara tersebut.



Banyak pihak menyayangkan langkah UAS menolak pinangan menjadi cawapres Prabowo. Seperti putri Amien Rais, Hanum Rais yang meminta kepada semua pihak untuk meyakinkan Ustaz Abdul Somad (UAS) untuk mau maju.

Bahkan Hanum pun menuliskan hal tersebut lewat akun instagramnya.

@hanumrais: 'Sebaiknya ustadz Abdul Somad tetap berdakwah saja. Menjadi suluh dalam gelapnya ruangan. Menjadi setetes embun dalam sahara. Kita memerlukan itu.'

Nasihat demikian memang terdengar indah elegan dan mulia. Saya pun mengiyakan.
Namun kemudian, saya teringat Snouck Horgrounje seorang Belanda di jaman Hindia Belanda yg belajar agama Islam dan kemudian dikenal sebagai mata-mata kolonial.

Ia pernah menasehati para ulama, masy adat Aceh saat itu, untuk meningkatkan ketakwaan umat serta selalu mengingatkan umat pada kematian, masjid-masjid perlu didirikan dekat makam.

Terdengar mulia. Serentak membuahkan anggukan.

Sungguh target Horgronje bukan itu. Melainkan sesungguhnya ia memiliki visi menjauhkan masyarakat dari masjid, karena orang-orang jadi takut ke masjid , terutama para pemudanya. Horgronje tahu benar, masjid dan para pengunjungnya adalah kekuatan yang membahayakan bagi rezim kolonial saat itu.

Seruan banyak pihak agar UAS berdakwah saja dan jangan bermain politik seakan terdengar seperti seruan membuai Horgronje saat itu. Di saat yang begitu krusial sekarang ini, marilah kita berdoa semoga sang suluh selama ini berkenan berubah menjadi mentari.

Setetes embun di sahara bersedia menjelma jadi telaga mata air yang menyejukkan bagi bumi
Marilah kita berbondong-bondong meyakinkan @ustadzabdulsomad bahwa dirinya diperlukan oleh bangsa, tidak hanya sebagai guru, namun pemimpin bangsa.

Tarikh menorehkan cerita, Abu Bakar maupun Umar juga sebelumnya menolak jabatan yang diberikan pada mereka hingga mereka akhirnya menjadi umara panutan. Keulamaan dan kepemimpinan bersanding manis dalam era tersebut. Sejatinya politik dan agama memang sebuah kesatuan. Rasulullah pun telah menjadikan dirinya teladan sebagai pemimpin dan ulama terbaik sepanjang masa.

Kesempatan tidak akan datang berulang. Kehadiran UAS di tengah bangsa ini boleh jadi adalah kesempatan yang Allah berikan untuk kita. Mudah-mudahan Allah mengijabahi lewat dukungan seluruh elemen bangsa dan umat di Indonesia.

Wallahu a’lam bissshhawaab
#ustadzabdulsomad #cawapres let’s make #somadeffect everywhere.



Setali tiga uang dengan hanum, penceraham Sugi Nuh Raharja alias Gus Nur Ikut meminta Ustaz Somad memikirkan kembali keputusan menolak jadi cawapres. Gus Nur menyampaikannya melalui video berdurasi 15 menit 13 detik yang diunggah di YouTube.

Adapaun pesan Gus Nur sampaikan kepada Ustadz Abdul Somad sudah ditonton lebih dari 173.619 orang dan masuk 20 trending topik youtube. Inilah petikan pernyataan Gus Nur untuk Ustaz Abdul Somad.

"Secara tidak langsung video ini saya tujukan untuk Ustadz Abdul Somad. Kalau antum lihat video ini mudah-mudahan memberikan volume kecil untuk qalbu antum. Informasi yang masuk banyak orang secara intensif melobi antum. Agar supaya antum tetap maju sebagai cawapres. Dan selama ini antum menolak."

"Saya yakin Anda tahu bahwa kafir harbi, liberal, sekurel, LGBT (lesbian, gay, bisexual, dan transgender), koruptor atau semua pihak yang menguras kekayaan negara diam-diam jadi musuh negara."

"Partai-partai menista agama dari dalam dan luar negeri yang selama ini menghancurkan Indonesia."

"Mereka panik. Mereka ketakutan kalau sampai antum mau menjadi cawapres. Termasuk rezim pak Jokowi dan kroni-kroninya. Dan mereka akan melakukan berbagai macam cara agar Ustadz Somad tidak menjadi cawapres," kata pendakwah kelahiran 11 Februari 1974 ini.


Gus Nur mengatakan, upaya pihak-pihak yang ingin mengagalkan Somad menjadi cawapres dilakukan melalui kata-kata diplomasi.

"Contohnya ini Ustaz Abdul Somad ini ulama yang baik. Ulama yang rahmatan lil 'alamin. Dipuji-puji antum Ustaz."

"Hatinya baik, hatinya suci."

"Makanya, Ustaz Abdul Somad tidak akan mau maju menjadi cawapres."

"Itulah salah satu diplomasi yang umum."

"Mereka akan melakukan berbagai macam cara agar antum tidak menjadi cawapres," ungkap pria yang juga dikenal sebagai penulis itu.

"Sadar atau tidak umat dan ulama. Bahkan non-muslim sekali pun. Asalkan di dalam hatinya dan pikirannya ada kesucian. Yang lama hidup di Indonesia. Minum airnya Indonesia, mencari nafkah di Indonesia, menghirup udara Indonesia. Tidur dan tinggal di Indonesia. Sudah jadi orang Indonesia. Tidak ada kepentingan apa-apa. Maka saya yakin dia akan mendukung dan bahagia kalau antum mau menjadi cawapres."

"Duet Pak Prabowo dan antum adalah solusi obat yang mujarab. Di satu sisi antum ditakuti, dan di satu sisi antum harapan umat, harapan ulama," lanjutnya.

 "Antum mundur. Tapi saya yakin hati orang masih bolak-balik. Walaupun antum menolak dengan halus. Insya Allah masih ada waktu. Saya mewakili umat ya Ustaz Abdul Somad. Saya bukan orang yang suka memaksa antum."

"Tapi ini suara umat, suara ulama."

"Mudharat dan manfaatnya untuk kondisi saat ini insya Allah akan banyak manfaat kalau antum maju."

"Mudahan-mudahan antum akan mematahkan hukum kalau saya boleh lebai karna itu. Itu patah kalau antum bisa masuk kesana."

"Bahwa ada ulama, orang yang pintar agama yang masuk ke dalam sistem dan terbukti sistemnya yang bersih. Masuk dalam istana dan Alhamdulillah istananya bersih," ujar dia sebagimana dilansir dari Tribun Sumsel.
Saat dirinya mengaku hanya sebagai pendakwah saja, ia pun memosting poster Al Habib Salim Segaf Al-Jufri dan Prabowo Subianto.

Katanya adalah pasangan yang seimbang. Dalam poster tersebut terdapat keterangan soal karakter Prabowo dan Salim Segaf Al-Jufri. "DUET MAUT TENTARA-ULAMA Pimpin & Jaga NKRI," begitu bunyi judul dalam poster yang diunggah pada Minggu (29/7/2018) ini.

Lewat caption unggahannya, Ustaz Somad menuliskan alasannya kenapa Prabowo-Habib Salim disebutnya sebagai pasangan seimbang. Ustaz Somad juga menuliskan tentang penolakan putra Sayyidina Umar menjadi khalifah.

"Selamat! Ternyata kerumunan sudah berubah menjadi barisan kekuatan. Prabowo-Habib Salim pasangan tawazun (seimbang) antara ketegasan tentara dan kelembutan Ulama, Jawa non-Jawa, nasionalis-religius, plus barokah darah Nabi dalam diri Habib Salim. Biarlah saya jadi suluh di tengah kelam, setetes embun di tengah sahara. Tak sungkan berbisik ke Habib Salim, tak segan bersalam ke Jenderal Prabowo. Setelah Sayyidina Umar bin Khattab wafat, sebagian Sahabat ingin membaiat Abdullah -anak Sayyidina Umar- sebagai pengganti.

Beliau menolak lembut, karena bidang pengabdian ada banyak pintu. Fokus di pendidikan dan dakwah.
Al-Faqiir Ilaa Rabbih, Abdul Somad," tulis Ustaz Abdul Somad. Dalam kesempatan lain, Abdul Somad kembali menegaskan omongannya.

Seperti video yang diunggah akun Youtube Tafaqquh pada Senin (30/7/2018). Dalam video tersebut, Ustaz Abdul Somad memberikan ceramah di kota Semarang, Jawa Tengah. Ustaz Abdul Somad dalam ceramahnya tersebut mengaku bahagia mendapat sambutan yang luar biasa dari warga Semarang. Bahkan Ustaz Abdul Somad merasa disambut seperti wakil presiden.

"Biasanya yang menyambut saya itu panitia, sekretaris, bendara, tapi di Semaranga Masya Allah, begitu saya turun dari pesawat yang menyambut saya TNI, Polri, tapi kok saya merasa disambut seperti wakil presiden" ujar Ustaz yang kerap disapa UAS tersebut.
*********

UAS lahir di sebuah kampung yang bernama Silo Lama, Silau Laut, Kabupaten Asahan, Sumatera Utara. Ia lahir pada hari Rabu, 18 Mei 1977 atau 30 Jumadil Awal 1397 H. Kakek moyangnya adalah Syekh Abdurrahman yang pernah belajar ilmu agama Islam di Mekkah, Arab Saudi.

Sepulangnya dari Mekkah, Syekh Abdurrahman menghadap Sultan Asahan dan diberikan sebidang tanah yang kemudian di atasnya dibangun sebuah rumah.  "Lalu dibuatnyalah rumah yang masih ada sampai sekarang, namanya rumah besar, satu arsitek dengan Istana Lima Laras di kabupaten Batubara, Sumatera Utara," ujar Ustaz Abdul Somad. Di tempat itulah Syekh Abdurrahman membangun biduk rumah tangga hingga turun-temurun sampai ke generasi Ustaz Abdul Somad.

"Kemudian beranak pinaklah Syekh Abdurrahman tadi, punya anak perempuan bernama Siti Aminah, Siti Aminah punya anak perempuan bernama Hajjah Rohana, Hajjah Rohana punya anak itulah saya Abdul Somad," tutur UAS. Walaupun moyangnya adalah seorang Syekh, Ustadz Abdul Somad tidak dianggap demikian, sebab Sumatera Utara menganut paham patrilinial atau berdasarkan keturunan ayah. 

"Tapi saya tidak dianggap keturunan Tuan Syekh karena dari pihak perempuan. Makanya kalau ada yang bertanya keturunan Tuan Syekh, tidak saya bilang. Terus, ayah saya petani, orang biasa. Kami bukan keturunan bangsawan, bangsa yang hidup di awan," kata UAS.

Ustaz Abdul Somad menempuh pendidikan dasar di SD Al-Washliyah Medan dan tamat tahun 1990. Ia lalu melanjutkan ke MTs Mu'allimin Al-Washliyah yang juga masih di Medan dan tamat tahun 1993. Selama satu tahun setelahnya, UAS menimba ilmu di Pondok Pesantren Darul Arafah, Deliserdang, Sumatera Utara.

Kemudian keluarga UAS memutuskan untuk merantau ke Kabupaten Pelalawan, Provinsi Riau, bekas kerajaan Melayu Pelalawan yang merupakan pecahan dari Kerajaan Siak Sri Indrapura. Di tanah perantauan itu UAS melanjutkan pendidikannya ke Madrasah Aliyah Nurul Falah, Air Molek, Indragiri Hulu sampai lulus tiga tahun kemudian. Pada tahun 1998, UAS mendapatkan beasiswa untuk kuliah di Universitas Al-Azhar, Kairo, Mesir.
UAS dan 99 orang lainnya berhasil menyingkirkan 900 peserta yang ikut seleksi.

"Lalu kemudian melanjutkan ke Universitas Al-Azhar tahun 1998 sampai 2002. Empat tahun saya pulang, melanjutkan ke UKM, Universiti Kebangsaan Malaysia jurusan FPI, Faculti Pengajian Islam," ucap Ustad Abdul Somad. Namun Di UKM Malaysia, UAS hanya sempat kuliah selama dua semester saja. Ia kemudian mendapatkan beasiswa S2 dari The Moroccan Agency of International Cooperation di Dar El-Hadith El-Hassania Institute, Maroko.

"Lalu dapatlah tahun 2004 saya berangkat, 2006 akhir dapatlah gelar setelah dua tahun di sana dari Darul Hadits di Rabat, nama gelarnya DESA. Tapi malu saya memakainya. Masa jauh-jauh balik Desa. Jadi saya tulis ajalah Lc, MA. Karena kebanyakan orang pakai MA," kata UAS. Menurutnya, Dar El-Hadith El-Hassania Institute, Maroko, setiap tahunnya hanya menerima 20 mahasiswa melalui jalur beasiswa. 

15 di antaranya diperuntukkan bagi pelajar Maroko dan 5 sisanya diperebutkan oleh pelajar dari seluruh dunia. "AMCI memberi beasiswa tujuh tahun, saya baru habiskan dua tahun, berarti ada jatah lima tahun lagi. Tapi kata emak saya waktu saya mau lanjut Doktor, tak ada gunanya kau balik Doktor kalau aku almarhumah. Akhirnya saya baliklah. Itulah mengapa saya tak Doktor. Kesal seumur hidup tak dapat dijemput balik. Makanya kalau udah salaman, kenalkan Doktor, aduh ciut saya," ujar UAS.

Setelah selesai wisuda, UAS menyempatkan diri untuk menunaikan ibadah haji ke Mekkah, Arab Saudi. Kebetulan waktu itu musim haji pada bulan Desember. Selesai berhaji, UAS terbang dari Jeddah ke Bandar Sri Begawan, Brunei Darussalam menggunakan pesawat Royal Brunei. 

"Itulah singgah saya ke rumah guru saya Haji Armawi Abdurrahman. Beliau juara Musabaqoh Tahfiz Quran di Mekkah Al-Mukarramah tahun 1987-1988. Kemudian beliau mengajar di Pondok Tahfiz Quran. Jadi saya dapat info, ustad saya mau datang ke Brunei, datanglah, maksudnya mau transit kalau bisa dapat kerja di Brunei," tutur UAS.

Setelah melamar pekerjaan ke sejumlah tempat, UAS lalu pulang ke rumah orangtuanya di Riau dan menjadi dosen di sebuah universitas swasta. Ia kemudian mengikuti tes untuk menjadi Pegawai Negeri Sipil. UAS mendapatkan kabar bahwa dirinya diterima sebagai dosen kontrak di universitas yang ada di Brunei Darussalam.

"Hari itu pikiran bercabang. Kata emak saya tak usahlah kau pergi lagi karena sudah terlalu lama jauh. Anak tak banyak, saya anak pertama adik saya anak ke-dua. Kau di sini sajalah walaupun hujan batu di sini hidup juga kau nanti. Itu skenario Allah SWT," ucap UAS.




Sumber : tribunnews.com
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