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.

12 Peradaban Kuno yang Hilang Secara Misterius


Peradaban Peradaban adalah memiliki berbagai arti dalam kaitannya dengan masyarakat manusia. Seringkali istilah ini digunakan untuk merujuk pada suatu masyarakat yang "kompleks": dicirikan oleh praktik dalam pertanian, hasil karya dan pemukiman, berbanding dengan budaya lain. Berikut adalah 12 Peradaban yang Hilang Secara Misterius , Check it out :


1. Machu Picchu (Peru) : the lost city of Incas
 
Machu Picchu (Gunung Tua) adalah sebuah lokasi reruntuhan Inca pra-Columbus yang terletak di wilayah pegunungan pada ketinggian sekitar 2.350 m. Machu Picchu berada di atas lembah Urubamba di Peru, sekitar 70 km barat laut Cusco.
Machu Picchu (Peru) : the lost city of Incas

Situs ini sempat terlupakan oleh dunia internasional, tetapi tidak oleh masyarakat lokal. Situs ini kembali ditemukan oleh arkeolog dari universitas Yale Hiram Bingham III yang menemukannya pada 1911.

2.Angkor Wat (Kamboja) : the world’s largest religious temple 

Angkor adalah sebuah rangkaian lokasi ibu kota Kerajaan Khmer dalam periode lama dari abad ke-9 sampai abad ke-15 Masehi. Puingnya terletak di hutan dan tanah perladangan di utara Danau Besar Tonle Sap, dekat Siem Reap, Kamboja sekarang ini, dan merupakan Situs Warisan Dunia UNESCO. Kuil-kuil di Angkor Wat, sekarang sebagian besar telah dipugar, merupakan bagian dari contoh arsitektur Khmer.

3. Mesir Kuno adalah suatu peradaban kuno di bagian timur laut Afrika 

Peradaban ini terpusat sepanjang pertengahan hingga hilir Sungai Nil yang mencapai kejayaannya pada sekitar abad ke-2 SM, pada masa yang disebut sebagai periode Kerajaan Baru. Daerahnya mencakup wilayah Delta Nil di utara, hingga Jebel Barkal di Katarak Keempat Nil. Pada beberapa zaman tertentu, peradaban Mesir meluas hingga bagian selatan Levant, Gurun Timur, pesisir pantai Laut Merah, Semenajung Sinai, serta Gurun Barat (terpusat pada beberapa oasis).
Peradaban Mesir Kuno berkembang selama kurang lebih tiga setengah abad. Dimulai dengan unifikasi awal kelompok-kelompok yang ada di Lembah Nil sekitar 3150 SM, peradaban ini secara tradisional dianggap berakhir pada sekitar 31 SM, sewaktu Kekaisaran Romawi awal menaklukkan dan menyerap wilayah Mesir Ptolemi sebagai bagian provinsi Romawi. Walaupun hal ini bukanlah pendudukan asing pertama terhadap Mesir, periode kekuasaan Romawi menimbulkan suatu perubahan politik dan agama secara bertahap di Lembah Nil, yang secara efektif menandai berakhirnya perkembangan peradaban independen Mesir.

4. Petra (Yordania) : stones structure carved into rocks 

Petra adalah kota yang didirikan dengan memahat dinding-dinding batu di Yordania. Petra berasal dari bahasa Yunani yang berarti ‘batu’. Petra merupakan simbol teknik dan perlindungan.
Kata ini merujuk pada bangunan kotanya yang terbuat dari batu-batu di Wadi Araba, sebuah lembah bercadas di Yordania. Kota ini didirikan dengan menggali dan mengukir cadas setinggi 40 meter.
Petra merupakan ibukota kerajaan Nabatean. Didirikan pada 9 SM-40 M oleh Raja Aretas IV sebagai kota yang sulit untuk ditembus musuh dan aman dari bencana alam seperti badai pasir

5. Palmyra (Syria) : the bride of desert 
 
Palmyra dulunya adalah kota penting di Syria, terletak di daerah oasis 215 km timur laut Damascus. Dahulu dikenal dgn nama Tadmor (bhs Arab). Kota ini dulu terletak dekat sumber mata air panas, Afga, dan merupakan tempat singgah ideal bagi para kelompok pengelana dari Iraq – Al-Sham (skrng Syria, Lebanon, Holy Land, Jordan). Lokasinya yg strategis membuat Palmyra menjadi kerajaan terkenal dan makmur pada jamannya abad 2 SM.6. Pompeii (Italy) : buried by volcanoPompeii
 
Volcano Pompeiadalah sebuah kota zaman Romawi kuno yang telah menjadi puing dekat kota Napoli dan sekarang berada di wilayah Campania, Italia. Pompeii hancur oleh letusan gunung Vesuvius pada 79 M. Debu letusan gunung Vesuvius menimbun kota Pompeii dengan segala isinya sedalam beberapa kaki menyebabkan kota ini hilang selama 1.600 tahun sebelum ditemukan kembali dengan tidak sengaja. Semenjak itu penggalian kembali kota ini memberikan pemandangan yang luar biasa terinci mengenai kehidupan sebuah kota di puncak kejayaan Kekaisaran Romawi. Saat ini kota Pompeii merupakan salah satu dari Situs Warisan Dunia UNESCO

7. Palenque (Mexico) : one of Mayan’s most exquisite cities

Palenque adalah kota peninggalan bersejarah suku Maya yg berlokasi di kaki gunung Tumbala, Chiapas, Mexico. Kota bersejarah ini tidak terlalu besar tetapi di dalamnya memiliki bangunan2 dengan arsitektur indah, patung2, ukir2an yg dibuat oleh suku Maya.

8. Vijayanagar (India) : capital of one of the largest Hindu templeKerajaan Vijayanagar



Capital of one of the largest Hindu templeKerajaan Vijayanagar adalah sebuah kerajaan India, sejak 1336 dan terletak di Deccan, India Selatan. Kerajaan Vijayanagar ditemukan oleh Harihara (Hakka) dan saudaranya Bukka Raya. Kerajaan ini diberi nama sesuai dengan nama ibukotanya, kini namanya berubah menjadi Hampi di Karnataka, India. Kerajaan ini berdiri mulai thn 1336 dan berakhir pd thn 1660.

9. Ephesus (Turkey) : one of the most important cities of early Christianity
 
Ephesus (Efes bhs Turkey), kota yg membentang sepanjang 3 km di bagian selatan kota Selcuk, provinsi Izmir, Turkey. Kota ini dulunya merupakan pusat perdagangan dan pusat agama Kristen sampai sekarang. Reruntuhan Ephesus merupakan salah satu obyek wisata favorit di Turkey. 

10. Sanchi (India) : the best preserved group of Buddhist monuments

Sanchi merupakan komplek monument yg menandakan jaman keemasan Budha di masa Kerajaan Ashoka. Kalau jaman sekarang Sanchi sama dengan stupa, kuil, atau tempat kediaman para biksu. Monumen Sanchi berawal dr abad 3 SM sampai abad 12. Yang paling terkenal dr Sanchi adalah Stupa 1, yg dibangun oleh Raja Mauryan. Monumen ini berisi ukir2an yg bercerita ttg sejarah agama Budha.

11.Garden Of babylonia (jerusalem) :the secret garden of Jerussalem

Ahli astronomi bangsa Babylonia telah lama dikenal unggul di dunia peradaban kuno. Beberapa ribu tahun sebelum Copernicus, mereka telah menyadari bahwa bumi dan planet-planet lain berbentuk bulat dan bahwa mereka berputar mengelilingi matahari. Dengan pengetahuan ini mereka dapat secara akurat memprediksi gerhana matahari dan bulan. Banyak pelajar modern berasumsi bahwa bangsa Babylonia membangun ilmu astronomi mereka sendiri, untuk memenuhi kebutuhan akan perhitungan yang akurat dari ilmu astrologi mereka yang kompleks. Secara mengejutkan, hasil terjemahan teori bangsa Babylonia baru-baru ini mengindikasikan bahwa posisi dan pergerakan dari bintang dan planet dihitung berdasarkan persamaan yang kompleks dari peradaban Bangsa Sumeria. Bangsa babylonia nampaknya tidak memiliki pemahaman tentang teori dasar dari formula ini, hanya mengetahui bagaimana menggunakannya saja.

Bangsa Sumeria bahkan memiliki ilmu pengetahuan yang lebih tepat mengenai sistem solar dan posisinya di semesta daripada mewarisi Bangsa babylonia yang mendahului mereka. Penanggalan mereka direncanakan kurang lebih awal tahun 3000SM. Apakah model tersebut untuk penanggalan saat ini, dan mereka terbukti mengerti beberapa masalah astronomi yang lebih rahasia.

Misalnya tentang rotasi bumi, perputarannya bergoyang tidak selalu tepat pada porosnya, hal ini menyebabkan pergeseran secara perlahan-lahan -1 derajat setiap 72 tahun- mempengaruhi arah sumbu utara bumi. Fenomena ini dinamakan perputaran gasing. Great Year- atau waktu yang dibutuhkan sumbu utara-selatan bumi sampai ke tempatnya semula - adalah 25.921 tahun, dihitung dengan mengalikan waktu 72 tahun yang dilewati untuk bergeser di masing-masing derajat dengan 360 derajat pada perputaran penuh. Bangsa Sumeria mengerti tentang perputaran gasing ini dan mengetahui seberapa panjang Great Year – pekerjaan yang luar biasa, telah memberikan pengamatan sangat panjang yang rumit dan peralatan yang memadai.

Bangsa Sumeria juga mampu mengukur jarak antar bintang dengan sangat tepat. Namun bagaimana mungkin manusia pra teknologi mempelajari batas-batas bumi, dan bahkan lebih misterius, mengapa? Seperti juga peta bintang-bintang yang jelas-jelas sesuatu hal yang dibutuhkan bagi penjelajah luar angkasa, namun untuk apa bangsa Sumeria membuatnya?

12.Atlantis of plato land

 
Mitos tentang Peradaban Atlantis pertama kali dicetuskan oleh seorang filsafat Yunani kuno bernama Plato (427 - 347 SM) dalam buku Critias dan Timaeus.

Dalam buku Timaeus Plato menceritakan bahwa dihadapan selat Mainstay Haigelisi, ada sebuah pulau yang sangat besar, dari sana kalian dapat pergi ke pulau lainnya,
di depan pulau-pulau itu adalah seluruhnya daratan yang dikelilingi laut samudera, itu adalah kerajaan Atlantis. Ketika itu Atlantis baru akan melancarkan perang besar dengan Athena, namun di luar dugaan Atlantis tiba-tiba mengalami gempa bumi dan banjir, tidak sampai sehari semalam, tenggelam sama sekali di dasar laut, negara besar yang melampaui peradaban tinggi, lenyap dalam semalam.

Dibagian lain pada buku Critias adalah adik sepupu dari Critias mengisahkan tentang Atlantis. Critias adalah murid dari ahli filsafat Socrates, tiga kali ia menekankan keberadaan Atlantis dalam dialog. Kisahnya berasal dari cerita lisan Joepe yaitu moyang lelaki Critias, sedangkan Joepe juga mendengarnya dari seorang penyair Yunani bernama Solon (639-559 SM).
Solon adalah yang paling bijaksana di antara 7 mahabijak Yunani kuno, suatu kali ketika Solon berkeliling Mesir, dari tempat pemujaan makam leluhur mengetahui legenda Atlantis.

Garis besar kisah pada buku tersebut Ada sebuah daratan raksasa di atas Samudera Atlantik arah barat Laut Tengah yang sangat jauh, yang bangga dengan peradabannya yang menakjubkan. Ia menghasilkan emas dan perak yang tak terhitung banyaknya. Istana dikelilingi oleh tembok emas dan dipagari oleh dinding perak. Dinding tembok dalam istana bertahtakan emas, cemerlang dan megah. Di sana, tingkat perkembangan
peradabannya memukau orang. Memiliki pelabuhan dan kapal dengan perlengkapan yang sempurna, juga ada benda yang bisa membawa orang terbang. Kekuasaannya tidak hanya terbatas di Eropa, bahkan jauh sampai daratan Afrika. Setelah dilanda gempa dahsyat,
tenggelamlah ia ke dasar laut beserta peradabannya, juga hilang dalam ingatan orang-orang.

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