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.

Sejarah 'Bottle Message'


Ini bukan dongeng. Tapi kejadian nyata yang terjadi sejak dulu kala. Sejumlah kisah tentang pesan-pesan yang dimasukkan ke dalam botol dan dihanyutkan ke lautan. Sebuah cara pengiriman pesan yang tetap dikenang dalam sejarah manusia.

Pesan dalam botol (message in the bottle) adalah suatu bentuk komunikasi "kuno". Caranya dengan menempatkan sebuah surat atau pesan singkat di dalam sebuah tabung kedap air (bisa drum, botol kaca, botol plastik atau kontainer khusus) dan dihanyutkan ke laut atau samudera. Biasanya pesan tersebut tidak ditujukan kepada alamat tertentu, karena sifatnya yang memang bisa mencapai wilayah mana saja tergantung arus laut. Karena itu, penggunaan pesan dalam botol biasanya dilakukan dalam keadaan darurat seperti pesan permintaan tolong yang dilakukan kapal tenggelam, kapal rusak, atau orang yang terdampar di pulau terpencil.

Namun karena ketidakefektifan dan terkesan "untung-untungan", pengiriman pesan dalam botol ini pun akhirnya tidak termasuk dalam sistem pengiriman pesan formal. Namun masih banyak orang hingga kini yang memakainya sebagai bagian dari hiburan, kesenangan dan permainan. Bahkan istilah pesan dalam botol juga sudah mengalami perubahan makna. Bukan lagi pesan yang benar-benar disimpan dalam botol, tapi sudah mengandung frase (pengertian) mengenai sebuah pesan yang disampaikan lewat media, khusus dengan target tak terarah.

Botol memang sebuah wadah yang tepat untuk kondisi lautan. Sifat bahan pembuatnya yang dari kaca, menyebabkan botol tidak terkena erosi air, kerusakan akibat air asin dan sangat sulit diurai. Selain itu, botol tertutup rapat akan kedap air dan berisi udara di dalamnya yang memungkinkan terapung dalam waktu lama. Karena sifatnya yang mengapung, botol akan mengikuti arah angin dan arus laut, hingga berhenti saat terhempar ke pantai dan daratan.

Dalam sejarah, catatan pertama penggunaan pesan dalam botol telah dilakukan pada tahun 310 SM oleh filsuf Yunani kuno Theophrastus, sebagai bagian dari eksperimen arus laut untuk memperlihatkan bahwa Laut Mediterania adalah satu aliran dengan Samudera Atlantik.

Lalu catatan lain juga membukukan bahwa Christopher Colombus (1451-1506) sang penjelajah dan penemu Benua Amerika (New World) menggunakan pesan dalam botol saat armada kapalnya dihantam sejumlah badai lautan. Ia memasukkan laporan singkat catatan perjalanannya dan pesan khusus untuk Ratu Spanyol ke dalam sebuah drum, lalu melemparkannya ke laut. Ia berharap agar pesan itu bisa diterima, walaupun ia tak selamat dari amukan badai.

Lantas di abad 16, Angkatan Laut Inggris menggunakan pesan dalam botol untuk memberi informasi kepada sesama armada kapal Inggris. Pesan itu memuat informasi intelijen penting mengenai posisi musuh dan keadaan perairan. Namun karena seringkali nelayan menemukan botol pesan itu lalu membukanya, pesan intelijen pun bocor.

Ratu Elizabeth I yang murka karena data intelijen sering dibuka dan akhirnya diketahui publik, kemudian menetapkan aturan khusus bahwa pesan dalam botol milik Angkatan Laut Inggris dan Kerajan Inggris tidak boleh dibuka sembarangan, kecuali oleh pejabat khusus pembuka pesan kerajaan "Uncorker of Ocean Bottles". Pelanggaran terhadap perintah ini diancam hukuman mati.

Penggunaan pesan dalam botol dalam catatan paling modern dilakukan oleh "manusia perahu" pada Mei 2005. Sejumlah 88 perahu kaum migran ini diselamatkan dari lepas pantai Costa Rica setelah otoritas terdekat menemukan pesan dalam botol dari sebuah kapal nelayan yang merapat. Pesan dalam botol itu ternyata diikatkan oleh konvoi kapal-kapal pengungsi itu ke sebuah kapal nelayan yang melintas di dekat mereka. Isinya pesan singkat SOS memohon mereka diselamatkan.

Romantisme Pesan Dalam Botol
Ada satu kisah romantis yang tetap dikenang tentang pesan dalam botol. Kisah tentang sepasang anak manusia yang mulanya terpisah ribuan mil oleh lautan, namun akhirnya bersatu dalam ikatan cinta sejati. Perjodohan yang dibawa sebuah pesan dalam botol.

Adalah Ake Viking, seorang pelaut Swedia yang merasa sangat kesepian. Ia bekerja di sebuah kapal pesiar yang senantiasa mengarungi belahan dunia. Karena pekerjaannya di atas kapal, ia tak sempat bersosialisasi dengan kehidupan di daratan.

Pada tahun 1956, ia mencurahkan kerinduannya dalam sebuah surat. Dalam pesannya ia berharap akan menemukan seorang gadis pujaan hati untuk dipersunting sebagai istrinya. Ia meminta siapa saja wanita muda yang menemukan pesan itu agar membalas suratnya. Dengan untung-untungan pun ia memasukkan pesan itu ke dalam sebuah botol anggur bekas dan melemparnya ke tengah lautan.

Berbulan-bulan kemudian, seorang nelayan tua di Sisilia (Itali) menemukan pesan itu tersangkut di jalanya. Ia kemudian membuka botol itu dan membaca surat di dalamnya. Si nelayan membawa pulang pesan dalam botol itu dan dengan bercanda menunjukkan surat tersebut kepada putrinya, Paolina. Tergelitik keisengan dan rasa penasaran serta merasa bahwa ini semacam permainan yang mengasyikkan, Paolina membalas surat tersebut ke alamat perusahan kapal pesiar tersebut.
Dalam bulan-bulan berikutnya suratnya berbalas, Ake Viking dan Paolina kemudian terlibat intens dalam surat menyurat tanpa pernah bertemu. Obrolan korespondensi menjurus hal-hal romantis dan hubungan mereka semakin menghangat.

Dua tahun kemudian, Ake Viking mengambil cuti mengunjungi Paolina di Sisilia. Jodoh pun terpaut dan Ake Viking berjanji untuk kembali lagi. Pada musim gugur 1958, Ake Viking kembali ke Sisilia dan melamar Paolina pada pertemuan kedua mereka. Kedua sejoli ini pun akhirnya menikah di tahun itu juga. Wah!

Kisah-kisah Pesan Dalam Botol
Banyak fakta yang berhubungan erat dengan pesan dalam botol. Kisahnya berbau sains, misteri dan romantisme… namun memang sarat nuansa humanis. Hanya berawal dari sebuah pesan dalam botol!

Satu kisah nyata memilukan yang misterius berasal dari catatan Chunosuke Matsuyama. Ia adalah seorang pelaut Jepang yang menjadi korban kapal karam bersama 44 krunya di tahun 1784. Dalam pelayaran, kapal mereka dihantam badai dan karam di lautan Pasifik. Matsuyama dan sejumlah krunya yang selamat terdampar di sebuah pulau karang terpencil di Pasifik.

Setengah putus asa melihat rekannya satu persatu tewas kelaparan, Matsuyama menuliskan tragedi yang menimpa mereka di atas sebuah kulit kayu lalu memasukkannya ke sebuah botol. Setelah menyegel botol agar kedap air, ia melemparkannya ke lautan.

Kira-kira 150 tahun kemudian di tahun 1934, pesan dalam botol yang dituliskan Matsuyama tersapu ombak dan mendarat di pantai berpasir di desa kelahirannya. Tak ada penjelasan yang bisa menjawab bagaimana pesan itu bisa sampai di desa kelahiran Matsuyama?

Pesan dari Medan Perang
Keanehan lain datang dari medan pertempuran Perang Dunia I. Saat berlayar melintasi Selat Inggris (English Channel) menuju front tempur (1914), seorang prajurit infantri Inggris Thomas Hughes yang didera kerinduan pulang ke rumah menulis sebuah surat untuk istrinya. Surat itu dimasukkannya ke dalam sebuah botol kedap air dan dilemparnya ke lautan. Dua hari kemudian konvoi kapal mereka diserang dan Thomas Hughes dilaporkan tewas dalam pertempuran itu.

Delapan puluh lima tahun kemudian di bulan Maret 1999, seorang nelayan menemukan sebuah botol tua yang berisi pesan dari muara Sungai Thames. Ia membaca pesan tersebut lalu menempuh perjalanan ke Auckland, Selandia Baru untuk mengantarkan surat itu secara langsung kepada putri Hughes. Putri Hughes berusia 86 tahun itu sangat terharu. Ini adalah satu-satunya surat yang pernah diterimanya dari sang ayah, seumur hidupnya.

Kisah lain berasal dari dua tentara Australia di masa PD I. Dalam perjalanan menuju front tempur di Prancis, mereka sepakat membuat surat untuk ibunya. Mereka memasukkan surat tersebut ke dalam botol dan melarungnya ke laut.

Kedua tentara ini dilaporkan tewas dalam pertempuran di Prancis. Namun pesan dalam botol itu ditemukan 37 tahun kemudian. Botol itu terdampar di pantai Pulau Tasmania pada tahun 1953. Surat itu diantarkan kepada kedua ibu serdadu itu dan mengenalinya sebagai tulisan tangan asli anaknya.
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