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Ketika Sahabat Jadi Suami, Ini 5 Kelucuan yang Terjadi di Hidupmu - Berbagi Today -->
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Buying car insurance online is a great option if you want to shop on your own schedule and save time and money. The benefit of buying car insurance online is that you can quickly get quotes directly from insurers without calling companies individually and repeatedly providing the same information over the phone. And because you can shop whenever you want, it’s convenient. Best of all, because you can get more quotes more quickly, you’re bound to find the most affordable policy and save more money. Regularly shopping your policy is the best way to cull savings. As your life unfolds -- you have a birthday, you buy a new car -- insurance companies will often change the rates they charge, so your current insurer may not remain the most affordable over time. Also, rates for the same driver in the same car can vary by hundreds of dollars from one company to the next. That means that if you know how to compare quotes, you can save a lot of cash. Let us walk you through the steps: Be prepared Start shopping Liability limits Coverages and deductibles Discounts Print cards and cancel old policy
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Ketika Sahabat Jadi Suami, Ini 5 Kelucuan yang Terjadi di Hidupmu

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Menikah dengan sahabat sendiri? Mungkin dulu kamu tak pernah membayangkan hal tersebut. Tapi begitu kamu sendiri yang mengalaminya, wah rasanya campur aduk. Ada bahagia tapi juga deg-degan.

Saat sahabat jadi suami, ada banyak hal yang berubah di hidupmu. Cara berkomunikasi dan cara memperlakukan satu sama lain bisa berubah 180 derajat. Dan juga banyak kelucuan yang akan terjadi dalam hidupmu tinggal satu atap bersamanya sebagai suami istri.

Tak Ada yang Mau Mengalah Saat Berbagi

Kalau lagi pada “kambuh” sifat iseng atau jahilnya, pasti deh nggak ada yang mau mengalah. Saat makan bersama misalnya, nggak ada yang mau berbagi. Bahkan yang terjadi malah saling berlomba untuk lebih banyak mengambil porsi makanan untuk dihabiskan sendiri. Kalau perlu disembunyikan biar nggak direbut. Kayak anak kecil sih tapi jadi bikin ketawa-ketawa sendiri.

Nggak Sungkan Saling “Mempermalukan”

Karena sudah bersahabat sejak lama jadinya nggak ada hal yang ditutupi atau dirahasiakan. Sudah sama-sama tahu kebiasaan dan keburukan masing-masing. Tak jarang jadi suka bercanda dengan mempermalukan diri masing-masing. Misalnya, “Ih, baju itu bikin kamu kelihatan kayak gembel aja,” atau “Mau kondangan atau ngelenong, itu make up-nya tebel banget.” Meski sepintas seperti saling caci dan mengejek tapi nggak ada yang merasa sakit hatinya. Well, tapi ya memang harus lihat situasi dan kondisi juga.

Niat Mau Romantis Kadang Berubah Jadi Ledekan

Dulu hubungannya hanya sebagai sahabat. Sekarang sudah jadi suami istri. Kalau dulu nggak ada yang namanya romantis-romantisan, setelah menikah pastinya kita ingin dong membahagiakan suami dengan bikin sesuatu yang romantis. Cuma kadang suasana jadi canggung. Dan untuk menutupi kecanggungan itu malah jadi saling ledek satu sama lain.

Kalau Ketemu Sering Bertengkar, Pas Lagi Jauhan Eh Kangen Berat

Kadang kamu sendiri bingung dengan sikapmu. Kalau suami ada di rumah sering banget kamu bertengkar (tapi bukan yang serius cuma bertengkar “manja”). Sok-sok nggak butuh gitu. Tapi pas lagi berjauhan atau nggak ketemu sehari, jadi kangen berat. Mau nelepon atau mengirim pesan untuk bilang kangen duluan kamu pun gengsi berat. Akhirnya cuma bisa dipendam sendiri.

Kamu Kadang Ketawa Sendiri Saat Memandang Wajahnya

Nah, yang ini juga kadang kamu nggak paham sendiri. Ketika lagi di rumah, kamu sering ketawa sendiri memandang wajahnya. Padahal cuma melihat wajahnya saja sudah bikin kamu merasa tergelitik. Biasanya sih karena kamu masih nggak percaya ternyata sahabat dekatmu itu ternyata jodoh terbaikmu. Ada rasa bahagia dan syukur begitu dalam yang menyusup di dalam hatimu.

Kalau kamu sendiri punya pengalaman menarik apa, Ladies? Saat ternyata sahabat jadi suami, pastinya ada banyak warna baru dalam hidupmu. Semoga warna-warni baru itu menambah kebahagiaan dalam hidup, ya.
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Shopping for car insurance online is convenient and can offer you savings when compared with traditional methods. However, captive and independent agents at physical locations can make the experience smoother if you aren’t as comfortable with auto insurance policies. While there’s sometimes a price difference depending on whether you get car insurance online or in-person, the best way to save money is usually by comparing quotes. In addition, there are several methods you can employ to get the cheapest rates whether shopping online or with an agent. How to Get Car Insurance Quotes Online When looking to purchase auto insurance online, evaluate your existing policy, if you have one. You will need to know the features of your existing car insurance policy that you’d like to carry over to your new insurer, your coverage limits, and what you’re covered for. A good place to find a summary of your existing auto insurance is the declaration page that comes with your policy, it's also available upon request from your insurer. The declaration page lists key information about your insurance policy including the policy term, limits for each type of coverage, and costs. If you’re happy with your current coverage, you can use your declarations page as a reference when searching for auto insurance quotes online to ensure you're getting the coverage you want. If you're a first-time driver or simply looking for the cheapest option for car insurance online, then you'll first want to know your state’s minimum requirements. While knowing the required amount of coverage is a good start, you should also consider your car’s value and what you want from your coverage to determine which policy to choose. Take note of what types of coverage and limits you want to get consistent quotes from insurers online. Once you're familiar with your existing policy or what kind of policy you would like, you can start searching for quotes online. The process is simple as most insurers have online forms that you can fill out to obtain a quote. Whether you're going to be obtaining a quote from one insurer or multiple, here are the most common pieces of information you'll need to have in order to receive a quote: Address Date you want your coverage to begin. Driver’s license Driver’s occupation Expiration date for existing coverage. Information about any previous violations or accidents. Personal information for any driver you want listed other than yourself. Previous insurer Social security number (for some insurers). Vehicle identification number (“VIN”) for the cars you wish to insure. Each vehicle’s anti-theft features Each vehicle’s year, make and model Pros and Cons of Purchasing Insurance Online vs Through an Agent You should purchase your insurance policy through whatever medium better aligns with your specific needs, whether that's online or in-person with an agent. When purchasing auto insurance at a physical location, you'll have the choice between a captive agent and an independent agent. The main distinction between the two is that captive agents only represent one insurance company, meaning you’d have to visit more than one in order to compare quotes. Below we list the benefits and drawbacks of different ways to purchase auto insurance: Purchasing car insurance in-person with a captive agent: Captive agents can offer in-depth product knowledge since they can only offer products from one insurance company. These agents also have the added benefit of providing in-person support. The downside when using a captive agent is that they're only able to offer products from one insurer. If you're unfamiliar with auto insurance and are looking to be covered by a specific insurer then this may be a good option for you. However, you won’t know if you’re getting competitive rates for your auto insurance. To make sure you’re getting the best price, gather multiple quotes from different captive and independent agents. Purchasing car insurance in-person with an independent agent: Independent agents, also known as insurance brokers, have the benefit of being able to offer rates from multiple companies for auto insurance. Typically, these agents also operate out of physical locations which means you can get personalized support. The drawback is that they could upsell you since they mostly rely on commissions, while captive agents usually receive a salary on top of commission. Another drawback is that the insurance broker won’t have relationships with insurance companies that employ captive agents or work directly with consumers. Therefore, you'd also have to contact captive agents in your area, and potentially go online, in order to compare prices of insurers that the independent agents don’t have access to. Purchasing your insurance through an independent agent is a good option if you want the ability to compare multiple quotes with minimal effort, while still getting in-person guidance. Purchasing car insurance online: Purchasing insurance online is cheap and convenient, since you can save time and money by comparing quotes from multiple insurers at home. The only downside is that you receive less guidance when choosing a car insurance policy, which could result in fewer discounts and less assistance if you have complex coverage needs. While you're able to connect to agents by phone, you won’t always be speaking with the same person. You should have a solid understanding of what you want covered under your auto insurance policy. As mentioned previously, this is generally attained by getting a copy of your existing coverage. To make sure you're receiving the best price, you should gather multiple quotes from insurance companies online for the same coverage types and limits. Car insurance companies, particularly those that let you purchase coverage online, have started offering features on their websites. Many insurance companies also offer the ability to file a claim, enroll in automatic billing, receive monthly statements, and update policy information online. Features vary by company, so ask your potential car insurer about any online features that are important to you. How to Save Money When Buying Car Insurance There are other ways to save money on your car insurance that go beyond comparing quotes. Reach out to your current insurer and asking for a discount before you switch companies, if the change is based on cost. If your insurance company wants to retain you as a customer, the agents will be willing to work with you. While that doesn't always work, here are some common alternative ways to reduce your car insurance costs: Choose a vehicle with a low cost to insure. Choose to pay a higher deductible to reduce your premium cost. Pay upfront for your car insurance coverage rather than on a monthly basis. Shop around for different insurance companies to make sure you’re getting a fair rate. Shop for car insurance ahead of your policy’s expiration date as some insurers view it as a sign of responsibility. Can You Cancel An Auto Insurance Policy Online? Most insurers will not let you cancel your car insurance policy through their website, even if the policy was purchased online. You can cancel your insurance policy by calling, sending a letter or stopping by in-person at a physical location. Insurers will typically let you cancel your coverage at any point, but some companies charge a cancellation fee if you cancel before the term’s expiration date. Different insurers have varying policies on cancellation fees so you should call your insurance company prior to canceling. If you're canceling the policy and you've already paid the entire cost upfront then you may be entitled to a refund for a portion of the cost. When canceling your insurance policy, you will want a written confirmation from your insurer. This is good practice so that you have written record of the event in case you continue to be charged for insurance fees past the expiration date of your policy. If you still get billed for auto insurance, but don’t make any payments, then the insurance company could report it and damage your credit rating. You'll also want to make sure that your new policy begins on or before the day that your existing coverage ends, so you'll be continuously insured and driving legally.

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1. Be prepared First, find out how much you’re paying now. Make a note of the yearly and monthly cost of your insurance, since many of your quotes will be given both ways. If you want to get accurate car insurance quotes from insurers, you will need to provide a lot of information about yourself, your car and other drivers in your household. Here is what you should have on hand before you start the process of buying car insurance online: Your driver’s license number and that of any driver to be listed on the policy Vehicle make, model and year How many miles you drive a year and how many you drive to work Vehicle Identification Number Registration Driving violations, accidents or claims in the last five years (approximate dates and details) Also be aware that you may have to give permission for insurers to check your credit report and driving record. In most states, both play a key role in determining your rates. Insurance companies definitely review these records, so resist any temptation to be less than truthful. If you’re not honest, the quotes you get will be much different than what you will actually wind up paying.
2. Start shopping! Now that you have your personal information organized, get a sense of how much car insurance you should buy, and what average car insurance rates are for your ZIP code for your age group and preferred level of coverage, you’re ready to begin researching quotes from carriers.
3. Choose liability limits After sharing information about you and your car, you will be asked to buy liability insurance, which is needed in nearly all states to legally drive a car. Bodily injury liability coverage covers others' injuries if you cause an accident. Property damage liability insurance pays for damage to another vehicle or to other property caused by your car and is also required by most states. Here’s how to read car insurance minimum liability numbers: First number: Bodily injury liability maximum for one person injured in an accident. Second number: Bodily injury liability maximum for all injuries in one accident. Third number: Property damage liability maximum for one accident.
For example, if you live in Texas, the minimum liability limits are $30,000 for injury liability for one person, $60,000 for all injuries and $25,000 for property damage in an accident (written as 30/60/25). While you can legally drive after buying your state minimum liability coverage, it’s not recommended. Here’s why you don’t want to skimp on liability to pinch a few pennies: The cost of a car accident can be much higher than what your insurance will pay out if you have only the minimum coverage mandated by state law. Unless your income and assets are minimal, for instance you do not own a home or have much savings or investments, buy $100,000 per person, $300,000 per accident, as advised by the Insurance Information Institute (III). Buying extra liability insurance to protect you and your assets is typically very affordable. It’s an example of when the best car insurance may not necessarily be the cheapest. You can buy extra liability coverage for about $35 a year, and get full coverage for about $800 per year, or $69 a month.
Consider the following, based on a CarInsurance.com rate analysis of nearly all ZIP codes in the country: The nationwide average cost for state minimum liability coverage is $526 Increasing that coverage to $50,000/$100,000/$50,000 averages only $561. So, you only pay another $35 a year by increasing your coverage. If you increase that to $100,000/$300,000/$100,000 with comprehensive and collision and a $500 deductible, that average goes up to $1,350, which is $824 more per year or $69 per month. Compare that to the average property damage claim ($3,493) and personal injury claim ($17,024). Property damage liability claims are one of the most common claims -- so make sure you're protected.
4. Choose coverages and deductibles Once you’ve set your liability limits, you will be asked if you want to purchase optional coverages. These typically include: Uninsured motorist/under-insured motorist coverage (UM/UIM) Personal injury protection (PIP) Collision Comprehensive If you opt for UM/UIM or PIP, you will be asked to select a coverage limit. If you opt for collision and comprehensive, you will have to choose a deductible. The limit is the maximum amount your insurer will pay for damages and the deductible is the amount you pay out-of-pocket before your policy pays out. Uninsured motorist Some states require uninsured and underinsured motorist coverage, while in others it is optional. If you're hit by someone who leaves the scene, or by someone who's inadequately insured, uninsured motorist and underinsured motorist coverage kicks in. It pays for the medical, rehabilitation, funeral, and pain-and-suffering costs for you and for the passengers in your car. This coverage also insures your household members as pedestrians. Typically it is a good idea to buy this coverage at the same limits as your bodily-injury liability coverage. Collision and comprehensive You may also want to consider collision and comprehensive coverage, which are optional. However, if you leased or bought a car with a loan, the financing company likely will require you to have both. Collision coverage pays to repair or replace your car after an accident. Comprehensive pays if your car is stolen, or if your car is damaged by fire, hail, flooding or vandalism. It also covers the damage if you hit an animal or a flying object hits your car. Adding collision and comprehensive to your policy and raising your liability limits doesn’t add that much extra cost. You will be asked to choose a deductible amount for the comprehensive and collisions portions of your policy. You typically can select $250, $500 or $1,000. The deductible is the amount you pay before your insurance kicks in. The higher your deductible is, the lower your rate. That means you can save money by hiking deductibles, but if you go that route, be sure you have the cash on hand to cover the deductible or you’re out of luck when filing a claim. You’d save $367, on average, or 18 percent, by increasing a $250 deductible to $1,000 on a full coverage policy, according to CarInsurance data on raising your deductible to lower your rates.
5. Discounts During your online buying process, you will also be asked some questions that will let insurers know if you qualify for car insurance discounts, which will help you get the cheapest car insurance for your particular situation. This could include what you do for a living, whether or not your car is equipped with safety or anti-theft devices, among other things.
6. Print your card and cancel your old policy Once you’ve bought a policy, you can download an insurance card for proof of coverage. Then you are free to cancel your existing – and likely more expensive – policy and begin saving money. Read our guide to switching car insurance companies if you feel stuck.