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.

6 Tips Agar Dapat Gaji Layak


Apakah Anda sering merasa tidak mendapat kompensasi layak dibanding beratnya tanggung jawab yang Anda pikul? Berapa gaji yang sesuai untuk kemampuan dan jabatan Anda? Teknik negosiasi dan kemampuan asertif mudah dipelajari dengan ikut kursus atau membaca buku.Tapi jika Anda ditampuk sebagai pemberi komando atau pimpinan, Anda harus percaya betul kalau Anda layak mendapat gaji yang sesuai. Tanpa keyakinan itu, Anda kekurangan motivasi untuk berdiri tegar dan kepercayaan diri untuk meyakinkan orang lain.

Sayangnya, banyak wanita yang cenderung menilai dirinya lebih rendah dari seharusnya. Mereka memberikan waktu dan kemampuannya secara gratis atau di harga standar karena tidak percaya kalau mereka sebenarnya bernilai lebih mahal. Apresiasi yang kurang terhadap diri sendiri ini berdampak pada perolehan gaji di bawah kelayakan Anda.

Menurut Barbara Stanny - penulis buku Secrets of Six-Figure Woman dan Overcoming Underearning, ratusan wanita karir bergaji tinggi yang pernah diwawancarainya mengaku kerap mempertanyakan nilai dirinya sendiri. Memang penting, tapi mereka tidak membiarkan hal ini jadi penghambat.

Sebaliknya, wanita-wanita ini mengembangkan kepercayaan diri dengan terus mendorong dirinya untuk bisa melakukan lebih, meminta apa sepantasnya mereka terima dan berani bilang tidak ketika diperlukan. Padahal mereka juga bergelut dengan rasa takut, ragu terhadap diri sendiri, jantung berdegup kencang dan lutut lemas.

Ingin punya uang lebih banyak karena Anda rasa layak mendapatkannya? Praktikkan 6 tips dari Barbara Stanny berikut ini, seperti dilansir dari Forbes.com (30/5/2012):



1. Berpikir besar,lalu lebih jauh dan besar lagi

Apa yang mayoritas kita lakukan adalah membatasi pendapatan dengan menurunkan ekspektasi kita. Apalagi wanita. Idenya adalah merubah pola pikir menjadi, apa imbalan yang layak untuk jasa Anda? Jangan hanya mengasumsikan apa atau berapa yang pasar mampu sediakan.

2. Riset sebelum tawar menawar

Salah satu kesalahan terburuk yang kerap dibuat wanita adalah memilih angka yang terlalu rendah. Wanita pintar akan mencari nilai mereka di pasaran dengan meriset kisaran gaji rata-rata. Lalu mereka akan minta lebih tinggi dari yang ditawarkan supaya bisa punya ruang lebih banyak untuk 'bermanuver'.

3. Inisiatif

Tunjukkan bukti-bukti nyata tentang apa yang bisa Anda berikan. Mungkin Anda dulu pernah menyelamatkan mantan perusahaan dari kehilangan sekian ratus juta rupiah atau pernah menelurkan ide yang berhasil melipatgandakan penjualan. Setiap Anda mengemban tanggung jawab yang lebih berat, sukses menuntaskan sebuah tangangan, menciptakan perubahan positif, simpanlah bukti-bukti tersebut. Dokumentasi itu jadi bukti efektif untuk mendemonstrasikan nilai Anda terhadap sebuah organisasi.

4. 'Hipnotis' diri sendiri

Sihir diri Anda dengan pernyataan positif yang diekspresikan seolah-olah hal itu sudah terjadi. Sebagai contoh, “Saya yakin bisa meminta apa yang saya mau.” “Saya layak mendapat uang lebih banyak dalam hidup saya.” Tulis dan bacalah kalimat ini sesering mungkin.

5. Cari tantangan di area baru

Kejadian di salah satu aspek hidup punya efek domino pada aspek lainnya. Jika Anda merasa tidak sanggup terjun mengerjakan sebuah tugas berat atau minta kenaikan gaji, coba daftar kursus seni atau olahraga ekstrim. Apa pun yang belum pernah Anda coba dan memaksa Anda keluar dari zona nyaman. Hal ini bisa membantu Anda membangun kepercayaan diri dan penghargaan diri sendiri.

6. Bersikap seperti Anda memang layak mendapatkannya

Minta gaji tinggi memang butuh keberanian luar biasa. Dan sebagian besar dari kita mungkin tidak pernah cukup berani untuk melakukannya. Tapi bukan berarti Anda bisa menutupi bahwa Anda memang menginginkannya. Bahkan orang-orang yang bergaji tinggi itu sering meragukan 'harga' diri mereka yang sebenarnya. Tapi bagi dunia luar, mereka tampak tidak kenal takut. Itulah kuncinya. Saat Anda bersikap seperti layak mendapatkan gaji sebesar itu, otomatis orang lain juga terpengaruh dan percaya bahwa Anda layak.
klikunic.com
Close Klik 2x
Selamat Datang