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.

Cara Ampuh Agar Tidak Digigit Nyamuk

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Dengan kondisi cuaca yang tak menentu seperti ini, nyamuk pun bisa merajalela dengan mudah. Tapi ada cara jitu yang sangat alami agar terjauh dari nyamuk.

Nyamuk perlu dijauhi karena serangga ini bisa membawa penyakit yang mengancam nyawa manusia seperti malaria dan ensefalitis.


Tetapi menurut survei terbaru yang dilakukan oleh OFF! Insect Repellents, hanya 29 persen orang yang mengaku takut pada nyamuk karena alasan kesehatan. Uniknya, 60 persen orang mengaku takut nyamuk karena gigitannya yang membuat gatal bukan efek kesehatannya.

Berikut adalah cara alami yang bisa dilakukan untuk menjauh dari nyamuk seperti dilansir dari Huffingtonpost, Senin (11/6/2012):

1. Hindari Senja dan Fajar

Sebagian besar spesies nyamuk paling suka menggigit mangsanya pada malam hari dan pagi-pagi buta. Jadi pertimbangkan untuk meningkatkan perlindungan diri atau tetap berada di dalam rumah pada waktu-waktu tersebut.

Namun Joseph Conlon, ahli entolomogi di American Mosquito Control Association memperingatkan bahwa spesies lain juga menggigit di waktu-waktu lainnya. "Kapanpun Anda selalu berada dalam menu harian nyamuk," jelasnya.

2. Makan Bawang Putih

Bawang putih telah lama dikabarkan mampu mengusir nyamuk, tetapi tidak ada banyak penelitian yang mendukung klaim tersebut. Bawang putih memang memiliki beberapa manfaat kesehatan berkat antioksidan bernama allicin yang berfungsi memberikan bau dan rasa.

Minyak bawang putih murni ketika dioleskan pada kulit akan mampu mengusir nyamuk selama sekitar 20 menit tetapi baunya cukup menyengat.

3. Serai

Sebuah studi kecil pada tahun 2002 menemukan bahwa penolak nyamuk berbahan serai mampu menghindarkan Anda dari gigitan nyamuk selama 20 menit atau kurang.

4. Bakar Sebatang Lilin

Menurut Conlon, Anda bisa menggunakan lilin serai atau obor teras untuk dekorasi karena keduanya mengeluarkan asap akan membuat nyamuk menjauh, kata Conlon.

5. Menutupi Kulit dengan Pakaian Panjang

CDC merekomendasikan agar Anda memakai baju berlengan panjang, celana, topi dan sepatu yang ujungnya tertutup untuk menutupi bagian kulit Anda yang terbuka.

"Setiap kulit yang terbuka tampak menarik bagi nyamuk,'" kata Conlon.

6. Vitamin B

Menurut Mayo Clinic, mengonsumsi dosis 75-150 miligram vitamin B-1 (thiamin) setiap hari sedikit bisa mengubah aroma Anda sehingga membuat nyamuk menjauh, tapi penelitian tentang hal ini tidak konklusif.

7. Membuang Air yang Sudah Tak Dipakai

Setiap kolam atau genangan air di sekitar rumah atau halaman Anda dapat dengan cepat menjadi tempat bagi nyamuk untuk berkembang.

Mayo Clinic pun merekomendasikan agar Anda menyumbat talang atap, mengosongkan kolam anak-anak, mengganti air mandi dalam sangkar burung setiap minggunya dan memastikan air hujan tidak terkumpul di tempat sampah, pot bunga atau wadah yang tidak terpakai lainnya.

8. Tetap Dekat dengan Kipas Angin

"Nyamuk itu penerbang yang buruk," ungkap Dave Shetlar, seorang profesor entomologi lansekap kota dari Ohio State University.

Oleh karena itu, dekatkan diri Anda dengan kipas yang ada di langit-langit beranda atau restoran yang memilikinya.

9. Singkirkan Alat Pembunuh Serangga/Bug Zapper

Peralatan elektronik untuk mengusir serangga itu lebih mempan bagi serangga yang lebih besar seperti ngengat, bukannya nyamuk, kata Conlon.

Bahkan, seorang profesor entomologi dari Universitas Delaware menerbitkan sebuah penelitian pada tahun 1996 yang menunjukkan bahwa dari 14.000 serangga dibunuh oleh enam alat pembunuh serangga dalam satu musim panas, hanya 31 lalat yang terbunuh. Sedangkan 2.000 serangga diantaranya bermanfaat untuk menjauhkan hama dan yang lainnya bukanlah spesies berbahaya.

Lagipula, nyamuk lebih tertarik pada cahaya yang redup sehingga nyamuk takkan mendekati alat tersebut.

10. Minyak Kayu Putih Lemon

Laporan Konsumen CDC dan outlet lain merekomendasikan produk ini sebagai "penolak nyamuk yang sangat baik" dengan 40 persen konsentrasinya akan menangkal nyamuk dan kutu.

Namun produk ini tidak dianjurkan bagi anak-anak di bawah usia 3 tahun meski hal ini bukan berarti karena faktor toksisitas namun anak-anak di bawah 3 cukup dilindungi dengan cara lain seperti memakaikan baju yang tepat pada anak-anak, katanya.


 
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