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.

6 Skenario Pembunuhan yang Hampir Mengubah Arus Dunia


1. The Kaplan Incident
Target : Vladimir Lenin
Jika Sukses : NAZI bisa memenangkan Perang Dunia ke-II.

Fanny Kaplan (gambar di bawah) adalah seorang politisi revolusioner sewaktu Revolusi Bolshevik. Sayangnya, dia bukanlah seorang Bolshevik, tapi seorang Sosialis Revolusioner dan partainya ditutup Lenin beberapa lama kemudian. Akhirnya, Kaplan memutuskan untuk mencoba membunuh Lenin pada 30 Agustus 1918. Lenin jelas terselamatkan dari aksi ini, dan Kaplan dipenjarakan beberapa waktu kemudian.

Jika sukses, Revolusi Bolshevik mungkin takkan pernah terjadi, dan para kaum White Russians akan mengambil tampuk pemerintahan secara demokratis. NAZI mungkin bisa saja melanjutkan kekuasaannya ke Timur, mengambil alih seluruh Russia.
2. Giuseppe Zangara
Target : Franklin Delano Roosevelt
Jika Sukses : Sebuah planet fasis

Pada Februari 1933, F.D. Roosevelt sedang mengadakan sebuah pidatonya karena ia terpilih sebagai Presiden Amerika Serikat yang akan di-inaugurasi sebulan kemudian. Namun, seorang pembunuh bayaran yang pendek bernama Giuseppe Zangara tiba-tiba mencoba menembakkan pelurunya ke arah FDR.
Sayangnya, Zangara terlalu pendek untuk bisa melewati crowd di depannya, sehingga ia harus menggunakan sebuah kursi lipat untuk bisa melihat Roosevelt. Menembak dari atas sebuah kursi lipat bukanlah sebuah hal yang mudah, dan dia tidak berhasil. Crowd di sekelilingnya langsung menahannya dan pidato berakhir seketika.

Jika berhasil, sebuah efek domino yang dimulai atas diangkatnya Wakil Presiden Garner akan bermain, dan Amerika akan bermain isolasi. Sekutu akan kalah tanpa bantuannya, dan akhirnya, kekuatan lawan akan menjajah Amerika pada 1948. Akhirnya, Hitler yang masih hidup dan tidak bunuh diri akan segera menguasai dunia dengan rezimnya.
3. Kyujo Incident
Target : Kaisar Jepang Hirohito
Jika Sukses : Jepang menjadi sebuah daratan limbah nuklir
(dan Indonesia akan mundur tanggal kemerdekaannya).

Pertengahan Agustus 1945. Perang Dunia II hampir berakhir, Jepang telah keluar dari Manchuria, dan Hiroshima dan Nagasaki baru saja dibom, dan Kaisar Hirohito sedang memikirkan surat pernyataan menyerahnya kepada Amerika.

Tapi tidak semuanya menginginkan damai. Sebuah organisasi yang terdiri atas Menteri Perang dan Imperial Guard Jepang tidak menginginkan damai. Mereka berencana untuk menghentikan pernyataan Hirohito tentang menyerah, dan mem-broadcast sebuah pernyataan baru bahwa Jepang akan terus berperang, dan rencana ini juga berisi tentang pembunuhan Hirohito. Untungnya, beberapa petinggi Jepang mengetahui tentang rencana ini dan menyetopnya sebelum terlaksana.

Jika terjadi, Jepang akan jatuh di bawah Operation Downfall milik Amerika, yang isinya menjatuhkan tujuh bom nuklir di Jepang pada 1 November 1945.
4. Pembunuhan Ratu Elizabeth I
Target : Ratu Elizabeth I
Jika Sukses : Amerika tidak akan pernah ada.

Pada 1588, Inggris sama sekali tidak berdaya. Yang menguasai tampuk Eropa adalah Spanyol. Tapi Raja Philip dari Spanyol menginginkan lebih, yaitu anaknya menjadi Raja Inggris dan Katolik disebar di pulau itu. Yang berarti dia harus membunuh Ratu Elizabeth I.

Jadi, Spanyol mengirimkan armadanya ke Inggris untuk membunuh sang Ratu dan mengambil kerajaannya. Sayangnya, perencanaan yang kurang baik dan cuaca yang buruk menghabiskan armadanya di tengah laut, sebelum berhasil menyentuh daratan Inggris.

Jika mereka sukses, tidak akan ada Kristen Protestan, karena selama itu Inggris-lah pusatnya. Pembiayaan untuk negara koloni Dunia Baru akan terhenti, tidak akan ada UK, dan, tanpa UK, tidak akan ada Revolusi Amerika.
5. The Gunpowder Plot
Target : Raja James I dan Parlemen Inggris
Jika Sukses : Amerika tidak akan pernah ada

Pada 5 November 1605 beberapa anggota Parlemen Inggris mencoba mengangkat toleransi beragama dengan membunuh Raja James I dan mengobrak-abrik Parlemen. Rencananya amat simpel: bawa beberapa drum mesiu ke parlemen, nyalakan, dan lari.
Jika ini berhasil, sebuah clash agama justru akan terjadi di Inggris. Para teroris itu, mereka Katolik, dan anak Raja James I, Pangeran Charles, adalah seorang yang toleran terhadap Katolik dan banyak membantu mereka. Bayangkan apa yang akan terjadi apabila para Katolik itu membunuh ayahnya sendiri.

Raja Charles akan kemudian menjadikan Inggris negara absolut monarki beragama Protestan, dan tidak akan ada operasi Mayflower yang menyebabkan terjadinya Mayflower Compact, akar dari koloni Inggris di Amerika.
6. The Tory Conspiracy
Target : George Washington
Jika Sukses : Amerika tidak akan pernah ada

Pada 21 Juni 1776, beberapa warga Amerika yang pro-Inggris, atau Tories, berencana membunuh G. Washington dan membangun sebuah tentara Inggris untuk mengambil Amerika. Di dalam konspirasi itu termasuk para bodyguard Washington dan mantan gubernur NYC. Sayangnya, konspirasi ini gagal karena seorang bernama Thomas Hickey ditemukan melawan negara.

Akhirnya, Hickey digantung dan perang Revolusi dimenangkan Amerika pada Desember 1776. Karisma Washington meneruskan pemerintahan. Tanpa Washington yang berhasil menemukan pengkhianatan ini dan Monsieur Louis dari Perancis, Inggris tesntu saja akan mengambil alih Amerika.
 
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