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.

15 Binatang paling aneh dan tempat untuk menemukan mereka



Bumi kita dipenuhi makhluk-makhluk eksotis dari berbagai jenis. Dari hewan, tumbuhan, sampai jamur-jamuran. Sampai tahun 2010, para ilmuwan telah berhasil mengklasifikasikan 1,7 juta spesies hewan dan tumbuhan. Namun jumlah ini bahkan masih belum mendekati seperempat dari total spesies makhluk hidup yang berada di muka bumi.

Dari tahun ke tahun semakin banyak spesies yang ditemukan. Masing-masing begitu unik sehingga kita tidak menduga makhluk semacam itu benar-benar masuk akal. Dan tentu saja kemunculan spesies baru seperti ini tak jarang mengundang rasa penasaran manusia awam dan membuat mereka rela menempuh puluhan ribu kilometer atau menyeberang benua untuk menyaksikannya.
Kali ini Merdeka.com akan menunjukkan sederet binatang eksotis dengan ciri-ciri fisik serba unik yang mungkin tidak pernah Anda duga ada. Penampilan mereka bahkan lebih mirip seperti hewan-hewan hasil persilangan. Bahkan dari Indonesia ada beberapa spesies yang tak kalah aneh. Berikut ini kami tampilkan selengkapnya, dilansir dari The Richest.
1. Thorny devil

Hewan mungil yang mirip naga Hungarian Horntail di Harry Potter ini namanya thorny devil. Dia memiliki dua kepala, yang satu merupakan kepala asli dan satunya lagi berfungsi sebagai pengecoh predator. Tubuhnya tertutup duri tajam berwarna kecoklatan.

Thorny devil biasanya tinggal di tanah lempung berpasir, di antara semak belukar kering dan gurun yang menutupi sebagian besar Australia tengah. Karena penampilannya yang benar-benar eksotis, tak sedikit kolektor reptil yang kepingin memilikinya. Tetapi tampaknya hewan ini memang terlarang untuk dibawa keluar dari habitat aslinya.
2. Serigala maned

Hewan yang terlihat seperti hasil persilangan dalam film fiksi ilmiah ini terlihat seperti campuran antara rubah dan serigala, dengan dua pasang kaki jenjang yang lebih mirip dengan rusa. Walaupun begitu, secara genetis mereka bahkan tidak sekerabat dengan ketiga hewan tersebut. Populasi hewan ini dapat ditemukan di kawasan Amerika Selatan.

3. Star-nosed mole

Hewan yang bisa ditemukan di bagian timur laut Amerika Serikat ini mirip dengan tikus rumahan, hanya saja dengan hidung merah bercabang seperti tentakel gurita. Dia adalah makhluk yang sangat peka terhadap stimuli, jadi kelebihan ini bisa membantunya untuk menggali jauh hingga ke bawah tanah.

Satu fakta unik tentang star-nosed mole adalah hewan ini nyaris buta total, tetapi dia juga pemangsa tercepat di dunia. Dia dapat menemukan dan melahap serangga atau cacing dalam seperempat detik saja.
4. Uakari

Uakari adalah sejenis monyet dengan ciri khas wajah merah yang tinggal di hutan hujan tropis Amerika Selatan. Keempat spesies uakari yang sudah berhasil diklasifikasi saat ini ditemukan di lembah Amazon barat laut. Uakari botak ditemukan di utara Sungai Amazon dan di selatan Sungai Japura. Uakari berkepala hitam ditemukan di utara Amazon dan selatan Rio Negro. Neblina uakari ditemukan di utara Rio Negro, sebelah barat Rio Marauia dan sebelah timur kanal Casiquiare. Sementara Araca uakari saat ini hanya ditemukan di cekungan Rio Curuduri.

Wajah merah uakari dianggap sebagai penentu daya tarik bagi lawan jenis. Uakari yang kulit wajahnya lebih pucat cenderung tidak dipilih untuk pasangan bereproduksi.
5. Bekantan

Spesies monyet yang jadi maskot Dufan ini sebenarnya tidak cuma ada di Indonesia. Karena termasuk satwa khas Asia Tenggara, bekantan juga bisa ditemukan di Malaysia.
Karakteristik utamanya adalah hidung yang panjang dan menonjol. Bekantan jantan memiliki hidung yang lebih panjang dan besar sampai menggantung di mulut mereka, sedangkan betinanya memiliki hidung lebih pendek dan runcing.
6. Celurut gajah

Celurut gajah adalah mamalia Afrika yang tidak seperti namanya sebenarnya berukuran sangat kecil. Hewan pengerati ini memiliki hidung runcing yang panjang mirip belalai gajah.
Hewan ini memang mirip dengan tikus, hanya saja lebih lucu. Mereka membawa makanan di pipi seperti hamster. Walaupun begitu sebenarnya hewan ini tidak termasuk jenis tikus, hamster, atau bahkan celurut.
Fakta unik dari celuruh gajah adalah mereka hanya menyusui anak-anak selama lima hari. Setelah itu mereka harus mulai belajar untuk mencari makanan sendiri.
7. Blobfish

Mungkin tidak salah jika blobfish dijuluki sebagai ikan paling buruk rupa di dunia. Penampilannya memang mirip alien yang gagal berganti kulit. Pada bulan September 2013, blobfish terpilih sebagai 'hewan terjelek di dunia' dan dinobatkan sebagai maskot Ugly Animal Preservation Society.

Ikan aneh ini dapat ditemukan di laut dalam Tasmania dan Australia. Blobfish sebenarnya terancam punah, tetapi bukan karena orang memburu atau membunuhnya. Hewan ini sering terjebak dalam jaring.
8. Ngengat pudel Venezuela

Sesuai namanya, hewan ini memiliki ciri-ciri fisik seperti perpaduan ngengat dan anjing pudel. Pasalnya seluruh tubuh ngengat pudel Venezuela tertutup rambut putih yang terlihat empuk seperti kapas.

Spesies ngengat ini ditemukan pada tahun 2009 dan bikin kagum banyak orang karena mirip dengan salah satu makhluk di Pokemon. Ukuran sebenarnya jauh lebih kecil daripada yang terlihat di dalam foto.
9. Grimpoteuthis

Grimpoteuthis juga idikenal dengan nama dumbo octopus alias gurita dumbo. Pasalnya gurita ini memang memiliki penampilan dan warna yang imut seperti Dumbo si gajah Disney.

Hewan ini berukuran kecil, biasanya hanya sepanjang 8 inci. Perbedaan antara jantan dan betina dapat diketahui dari panjang tentakelnya. Grimpoteuthis memiliki tentakel pengisap yang lebih panjang daripada betina.
Grimpoteuthis bisa ditemukan di lepas pantai California, Oregon, Selandia Baru, dan Filipina. Sayangnya mereka cuma hidup sekitar 5 tahun.
10. Red-lipped batfish

Satu lagi hewan laut yang memiliki nama dan penampilan unik. Red-lipped batfish mirip dengan kelelawar bermuka masam. Bibirnya merah seperti dioles lipstik warna menyala. Mereka bisa ditemukan di laut Kepulauan Galapagos dan Peru.

Ikan ini hidup di kedalaman 30 meter di lautan. Mereka hanya bisa tinggal di laut dalam karena kondisi tubuh mereka yang unik. Ikan ini bertahan hidup dengan memakan ikan kecil, udang, dan hewan mungil lainnya.
11. Katak pinokio

Percaya atau tidak, hewan amfibi dengan ciri-ciri fisik tak biasa ini ditemukan di negara kita. Mereka ditemukan pada tahun 2008.

Katak pinokio bisa dibedakan dengan spesies katak lainnya berkat hidung mereka yang panjang dan runcing. Persis Pinokio yang hidungnya memanjang jika berbohong. Mereka juga dikenal dengan nama katak pohon berhidung runcing. Tetapi tampaknya julukan katak pinokio lebih populer.
12. Peacock spider

Peacok spider merupakan genus laba-laba yang hidup di Australia. Setidaknya ada enam spesies peacock spider yang sudah diklasifikasi dan semuanya berhabitat di benua Australia.

Hewan berkaki banyak ini memiliki warna cerah pada cangkang punggung mereka. Jika sudah tiba musim kawin mereka akan mencoba untuk menarik perhatian lawan jenis dengan memamerkan warna-warna mencolok yang melapisi tubuh mereka.
13. Tapir

Ini adalah makhluk hutan yang dapat ditemukan di Amerika dan Asia Selatan. Di Asia Tenggara tapir bisa ditemukan di Indonesia, Thailand, Kamboja, Laos, Myanmar, Malaysia, dan Vietnam. Namun sekarang jumlah mereka terus menurun dan terancam punah. Saat ini tapir Asia termasuk hewan yang dilindungi, namun hilangnya habitat alami mereka membuat pelestarian hewan ini semakin sulit untuk dilakukan.

Tapir memiliki fisik yang mirip dengan babi, trenggiling, dan gajah. Kulit tubuhnya yang terdiri dari dua warna juga sangat unik.
Tapir menggunakan belalai mungil mereka untuk mengambil benda-benda. Belalai tersebut juga membantu mereka menyelam.
14. Babirusa

Babirusa adalah penghuni hutan hujan di Indonesia. Hewan ini hanya bisa ditemukan di sekitar Sulawesi, Pulau Togian, Malenge, Sula, Buru dan pulau-pulau Maluku lainnya. Habitat utmanya adalah hutan hujan tropis.

Sebenarnya ciri-ciri fisik babirusa lebih mirip dengan babi hutan. Walaupun begitu mereka memiliki taring melengkung ke atas seperti tanduk pada rusa.
15. Axolotl

Axolotl yang juga dikenal sebagai salamander Meksiko (Ambystoma mexicanum) atau ikan berjalan Meksiko, adalah salamander neotenik.

Meskipun disebut ikan berjalan, sebenarnya mereka sama sekali bukan ikan. Hewan imut ini adalah amfibi yang berasal dari sejumlah danau di Meksiko. Salah satunya adalah Danau Xochimilco dan Danau Chalco. Uniknya mereka tidak menjalani proses metamorfosis untuk menjadi axolotl dewasa.
Axolotl termasuk hewan yang terancam punah, namun di beberapa negara mereka dianggap sebagai makanan mewah dan komoditas perdagangan.




Sumber : merdeka.com
close[CLICK 2x UNTUK MENUTUP]