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.

10 Penemuan paling unik di samudera, ada kota berusia 5.000 tahun


Sadar nggak sih kalau planet yang kita tinggali ini masih banyak yang belum dieksplorasi. Bumi memang planet yang sebagian besar wilayahnya berupa perairan daripada daratan. Nggak heran kalau masih banyak misteri di samudera yang belum terungkap. 

Meskipun kini zaman sudah semakin modern dan teknologi sudah maju, manusia belum sepenuhnya menjelajahi dunia yang ada di bawah air ini. Hingga saat ini pun, hanya sebagian kecil wilayah yang sudah dieksplor dan banyak ditemukan sesuatu yang dinilai unik dan luar biasa. 

Penasaran apa saja penemuan-penemuan unik ini? Yuk simak 10 penemuan paling unik di samudera seperti yang dilansir dari laman Oddee.


1. Hiu Goblin


Hiu Goblin sejauh ini merupakan spesies paling berbeda dalam keluarganya dikarenakan penampilannya itu. Sekilas, bentuknya seperti alien yang ada di film-film fiksi ilmiah. Moncongnya menyerupai bentuk pisau dan rahangnya memilih 35-53 gigi bagian atas dan 31-62 pada barisan bawah. 

Ukuran panjangnya ketika sudah dewasa antara 3-4 meter dan beratnya sekitar 200 kilogram. Hiu ini juga disebut sebagai hewan purba dari masa Cretaceous yang masih belum punah hingga kini.


2. Cumi-cumi vampir



Mendengar namanya, mungkin kamu akan berfikir kalau ukurannya besar. Padahal sebaliknya, cumi-cumi ini memiliki ukuran yang kecil. Cumi-cumi vampir ukuran dewasa hanya berukuran sekitar 6 inci panjangnya. Selain itu, hewan laut ini merupakan spesies kuno dan satu-satunya anggota keluarga Vampyromorphida yang tersisa. 

Bahkan, hewan unik ini memiliki organ penghasil cahaya yang memungkinkan untuk menyala dan padam kapan pun ia inginkan. Kedelapan lengannya dilapisi dengan duri dan cangkir hisap. Hewan ini merupakan makhluk laut dalam, jadi kebiasaan makan dan reproduksinya tidak diketahui secara keseluruhan.


3. Hiu berjumbai atau frilled shark



Hiu ini kalau dilihat-lihat malah seperti seekor ular laut dalam daripada ikan karena bentuknya. Ya selain memiliki bentuk yang unik, hiu ini memiliki cara bergerak di air yang menarik. Berbeda dengan hiu biasanya, makhluk satu ini melayang di air dan diyakini bisa menyerang mangsanya layaknya ular. 

Hingga kini belum ada yang bisa merekam bagaimana ia makan sehingga asumsi yang dibuat ilmuwan lebih kepada bentuk tubuhnya. Hiu berjumbai ini ditemukan pada kedalaman 390-4.200 kaki di bawah lautan dan ukuran tubuhnya maksimal mencapai 6,4 kaki. 


4. Dumbo octopus atau gurita dumbo



Gurita ini merupakan spesies yang hanya ditemukan di laut dalam. Mereka diketahui tinggal jauh di bawah samudera di kedalaman 13.100 kaki dan gerakannya lebih lamban daripada gurita biasanya. Selain itu, hewan laut unik ini menggunakan lengan kecil mereka yang lucu untuk dikendarai dan sirip mungilnya untuk mendorong mereka ke depan. 


5. Kota Heracleion



Selama beberapa abad, Kota Heracleion hanya ada di dalam legenda dan mitos. Dikenal dalam mitologi sebagai kota yang kaya raya, penemuan ini mengukuhkan fakta bahwa kota ini nyata. Kota Heracleion juga dikenal sebagai Thonis, diyakini telah menghilang di bawah Mediterania sekitar 1.200 tahun yang lalu. Lebih dari 64 kapal ditemukan di dekat kota itu yang menunjukkan bahwa ada perdagangan melimpah selama masa jayanya. 

Penyelam juga menemukan patung-patung besar setingga 16 kaki yang terkubur di pasir beserta beberapa koin emas dan benda-benda lain yang bernilai. Selain itu, di jantung kota bawah laut ini ada kuil yang diperuntukkan kepada dewa tertinggi Mesir kuno, Amun-Gereb. Penemuan ini tentu mengungkapkan budaya dan kehidupan Mesir kuno.


6. Great swallower



Sesuai namanya, ikan luar biasa tapi terlihat menyeramkan ini bisa memakan mangsa yang ukurannya beberapa kali lebih besar darinya. Ikan ini ditemukan jauh di lautan pada kedalaman sekitar 700 - 2.745 meter. Mereka diketahui memiliki ukuran maksimal sekitar 9,8 inci, memiliki kepala serta badan tanpa sisik dan mulut yang besar. 


7. Barreleye



Salah satu spesimen laut dalam paling luar biasa yang pernah ditemukan adalah ikan yang diberi nama Barreleye ini. Dengan kepala transparan yang membuat isi dalam kepalanya terlihat dengan jelas. Ikan laut dalam ini juga memiliki kemampuan adaptasi yang luar biasa terhadap lingkungan tempat tinggalnya. 

Penelitian baru-baru ini menunjukkan kalau Barreleye mampu memutar matanya dalam penutup transparan di atas kepalanya. Mata tubularnya sangat sempurna untuk lingkungan yang gelapa tempat ia hidup karena mampu mengumpulkan cahaya.


8. Cumi-cumi raksasa



Seorang peneliti dari Museum Ilmu Pengetahuan Jepang bernama Tsunemi Kubodera merilis foto seekor cumi-cumi raksasa. Foto tersebut menunjukkan cumi raksasa itu terlihat menyerang cumi umpan yang ditarik oleh tim riset dari Kepulauan Ogasawara, sebelah selatan Tokyo pada tanggal 4 Desember 2006 silam. Diketahui ukuran cumi-cumi langka ini mencapai 33 kaki.


9. Sungai mengalir



Ilmuwan beberapa waktu lalu telah menemukan sungai bawah laut yang mengalir di bawah Laut Hitam. Selain itu, yang lebih mengejutkan adalah ditemukannya sebuah ekosistem nyata seperti dikelilingi pepohonan, dedaunan dan bahkan ada air terjunnya. Dengan mempertimbangkan ukurannya, jika sungai ini ada di darat tentu akan menjadi suangai terbesar keenam di dunia.


10. Kota Pavlopetri



Pavlopetri merupakan sebuah kota kecil yang diketahui sudah ada sejak 5.000 tahun yang lalu dan masih ada hingga kini. Namun sayangnya, kota ini sudah tenggelam di samudera. 

Seperti kebanyakan kota, Pavlopetri memiliki jalan, rumah, kebun, pura, pemakaman dan bahkan sistem pengelolaan air yang rumit. Setelah eksplorasi lebih lanjut, ditemukan pula kota ini membentang seluas 9 hektar dan lebih tua dari Iliad, puisi ikonik Yunani kuno.



Sumber : brilio.net
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