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.

Foto-Foto Langka Dari Hewan-Hewan Yang Telah Punah

1. The Tarpan
Tarpan at the Moscow Zoo, published 1884

Spesies Tarpan yang terakhir mati di Cagar alam Askania Nova, Ukraina tahun 1876. Tarpan merupakan jenis kuda prasejarah yang pernah mengembara dari Selatan Perancis dan Spanyol ke arah timur menuju Rusia. Tarpan mati di alam liar pada akhir 1800-an.

Alasan kepunahan Tarpan meliputi perusakan habitat hutan dan padang rumput. Perburuan yang dilakukan oleh petani karena takut tanaman mereka akan dimakan Tarpan. Ada berbagai upaya untuk menciptakan kembali Tarpan melalui pembiakan, sehingga kuda-kuda yang didapat setidaknya mirip leluhur mereka yang telah punah.
2. The Quagga
Quagga at London’s Regent’s Park Zoo, 1870

Jenis kuda yang sudah punah lainnya adalah Quagga. Merupakan subspesies dari zebra. Quagga liar yang terakhir hidup, di tembak pada akhir 1870-an. Sedangkan di penangkaran mati pada 1883 di kebun binatang Artis Magistra di Amsterdam.

Punahnya Quagga disebabkan oleh perburuan liar dan dijadikannya Quagga sebagai pengganti daging Domba Ternak juga ikut berperan sebagai penyebab kepunahannya. Yang unik dan membedakan Quagga dari spesies kuda lainnya adalah corak kulitnya yang seperti zebra pada bagian depan.

3. The Javan Tiger
Live Javan Tiger, taken in 1938 at Ujung Kulon

Harimau jawa merupakan subspesies harimau yang hanya dapat di temukan di pulau Jawa, Indonesia. Harimau Jawa terakhir mati sekitar tahun 1980-an.

Pada awal abad ke-19, Harimau Jawa dapat ditemukan di seluruh pulau, tapi karena populasi manusia yang meningkat pesat menyebabkan kerusakan habitat di hutan. Penyebab lain punahnya harimau jawa juga karena perburuan iar, sehingga tahun 1950-an hanya tersisa sekitar 25 ekor harimau jawa.

4. The Caspian Tiger
A captive Caspian Tiger in Berlin Zoo, 1899

Harimau lain yang punah adalah Harimau Kaspia. Penelitian terbaru menunjukkan Harimau Kaspia sebagian besar identik dengan Harimau Siberia. Punahnya Harimau Kaspia antara lain disebabkan karena perburuan terhadap makanan utamanya yaitu celeng, dan juga karena perusakan habitat. Harimau Kaspia terakhir kali ditemukan pada tahun 1950-an

5. The Syrian Wild Ass
Syrian Wild Ass in London Zoo, 1872

Spesies terakhir dari hewan ini mati pada tahun 1928 di kebun binatang Schönbrunn, Wina. Sebelum abad 18 habitat Syrian Wild Ass meliputi pegunungan, gurun, dan stepa antara palestina dan irak.

Yang menyebabkan punahnya hewan ini, karena kerusakan habitat akibat perang dunia I. Dan pemusnahan yang dilakukan pada abad 19 di saudi bagian utara

6. The Bubal Hartebeest
Female Bubal Hartebeest that lived in London Zoo from 1883 until 1897

Bubal Hartebeest merupakan jenis spesies dari antelop yang musnah pada tahun 1923. Berburu sepanjang abad ke-19 secara drastis mengurangi jumlah populasi Bubal Hartebeest. Yang membuat Bubal Hartebeest unik adalah bentuk tanduknya yang khas.

7. The Tasmanian Tiger (Thylacine)
Tasmanian Tiger (Thylacine) photographed in a cage with a chicken

Spesies terakhir Harimau tasmania mati tahun 1936 di kebun binatang Hobart, Tasmania. Harimau Tasmania ini merupakan kerabat dekat dari tasmanian devil.

Harimau Tasmania diburu hingga punah oleh para pemburu liar dan petani, meskipun faktor-faktor lain seperti penyakit, dan gangguan manusia terhadap habitatnya mungkin juga memainkan peran dalam kepunahannya.

8. Pyrenean Ibex
Pyrenean Ibex yang memiliki salah satu cerita yang paling menarik di antara binatang punah lainnya. Pyrenean Ibex pernah dicoba untuk dihidupkan kembali melalui kloning, akan tetapi kloningnya hanya berhasil hidup selama 7 menit dan kemudian mati karena kegagalan paru-paru.

Pyrenean Ibex merupakan hewan asli dari Pyrenees, sebuah pegunungan di Andora. Jumlah populasinya di abad 14 masih sangat banyak. Pertengahan abad ke-19 populasinya mulai berkurang. Pyrenean Ibex populasinya bertambah kritis sejak awal abad ke-20, ketika diperkirakan bahwa populasinya di Spanyol hanya berjumlah sekitar 100 ekor.

Tahun 1981 dilaporkan hanya tersisa sekitar 30 ekor. Kemudian di akhir 1980-an berkurang lagi menjadi sekitar 6-14 ekor. Pyrenean Ibex terakhir yang lahir secara alami, mati pada 6 januari 2000, pada umur 13 tahun karena pohon tumbang.

9. Passenger Pigeon
Cerita tentang Passenger Pigeon adalah salah satu kisah kepunahan paling tragis di zaman modern. Seperti akhir-akhir ini, sekitar 200 tahun yang lalu mereka tidak masuk daftar hewan yang terancam punah.

Pada kenyataannya, mereka benar-benar burung yang banyak di Amerika Utara, dan beberapa laporan dihitung dalam satu kawanan berjumlah miliaran. Kemudian ketika daging merpati dikomersialisasikan dan diakui sebagai makanan murah, terutama bagi para budak dan orang miskin, yang menyebabkan kampanye berburu pada skala besar.

Lebih jauh lagi, karena jumlah kawanan dari passenger Pigeon yang besar, burung-burung ini dipandang sebagai ancaman bagi petani. Spesies passenger Pigeon terakhir yang bernama Martha mati pada 1 September 1914.

10. Caribbean Monk Seal
Caribbean Monk Seal merupakan anjing laut asli dari laut caribia dan teluk meksiko. Hewan ini punah juga karena perilaku manusia. Caribbean Monk Seal merupakan mamalia pertama dari belahan dunia baru yang ditemukan oleh Columbus dan perusahaannya di pantai Santo Domingo pada tahun 1494.

Muncul dalam catatan perjalanan Columbus 'pelayaran kedua ke Amerika'. Columbus segera memerintahkan anak buahnya untuk membunuh delapan dari binatang, yang disebut , "serigala laut" sebutan bagi anjing laut ini, untuk makanan.

Sejak saat itu, banyak sekali Caribbean Monk Seal telah diburu untuk minyak mereka dan dibantai oleh nelayan, yang menganggap binatang ini sebagai pesaing dalam menacari ikan.

Secara resmi dinyatakan punah pada tanggal 6 Juni, 2008. Seperti anjing laut pada umumnya Caribbean Monk Seal ini berjalan lambat di darat.
 
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