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.

10 Hal Unik Bunglon yang Mungkin Belum Kamu Ketahui

Setiap hewan yang dapat mengubah warna dan melihat dalam dua arah sekaligus layak untuk dipelajari lebih banyak tentangnya. Dengan bersenjatakan lidah, bunglon mungkin menjadi salah satu reptil paling keren di planet ini. Berikut ini sepuluh hal yang mungkin tidak anda ketahui tentang teman kita ini...





1. Hampir setengah dari spesies bunglon di dunia,  hidup di pulau Madagaskar, dan 59 spesies yang berbeda yang ada di luar Madagaskar. Seluruhnya da sekitar 160 spesies bunglon di dunia. Mereka berkisar dari Afrika ke Eropa selatan, dan di seluruh Asia selatan ke Sri Lanka. Mereka juga telah diperkenalkan ke Amerika Serikat di tempat-tempat seperti Hawaii, California, dan Florida.


2. Perubahan Warna. Kebanyakan bunglon berubah dari coklat ke hijau dan sebaliknya, tetapi beberapa dapat mengubah ke hampir semua warna. Sebuah perubahan dapat terjadi dalam waktu 20 detik. Bunglon dilahirkan dengan sel khusus yang memiliki warna atau pigmen di dalamnya. Sel-sel ini terletak pada lapisan bawah kulit terluar bunglon. Mereka disebut chromatophores (kromatofora). Lapisan atas chromatophores memiliki pigmen merah atau kuning. Lapisan bawah memiliki pigmen biru atau putih. Ketika sel-sel pigmen ini berubah, kulit bunglon pun berubah warna.

Kromatofora berubah karena mereka mendapatkan pesan dari otak. Pesan memberitahu sel untuk membesar atau mengecil. Tindakan ini menyebabkan pigmen sel untuk bercampur-seperti cat. Sebuah senyawa kimia yang disebut melanin juga membantu bunglon berubah warna. Serat melanin dapat menyebar seperti sarang laba-laba melalui lapisan sel pigmen dan kehadiran mereka menyebabkan kulit menjadi lebih gelap.

Banyak orang berpikir bunglon berubah warna untuk berbaur dengan lingkungan mereka. Para ilmuwan tidak setuju. Penelitian mereka menunjukkan bahwa cahaya, suhu dan suasana hati bunglon adalah alasan mereka untuk mengubah warna. Kadang-kadang berubah warna dapat membuat bunglon lebih nyaman. Kadang-kadang membantu berkomunikasi dengan binatang bunglon lainnya.


3. Mata bunglon memiliki visi 360 derajat dan dapat melihat dua arah sekaligus. Bunglon memiliki mata paling khas dari setiap reptil. Kelopak mata atas dan bawah mereka bergabung, dengan lubang sebesar jarum bagi pupil untuk melihat. Mereka dapat memutar dan fokus secara terpisah untuk mengamati dua objek yang berbeda secara bersamaan, yang memungkinkan mata mereka bergerak secara independen satu sama lain.

visi 360 derajat ini membuat mereka dapat melihat ke sekeliling tubuh mereka. Ketika mangsa berada, kedua mata dapat difokuskan ke arah yang sama, memberikan visi stereoskopik tajam dan kedalaman persepsi. Bunglon memiliki penglihatan yang sangat baik untuk reptil, membuat mereka dapat melihat serangga kecil dari jarak jauh (5-10 m).


4. Bunglon sangat bervariasi dalam ukuran dan struktur tubuh, dengan total panjang maksimum bervariasi dari 15 milimeter (0,6 in) yaitu jantan Brookesia micra (salah satu reptil terkecil di dunia) hingga 68,5 sentimeter (30 in) yaitu Furcifer oustaleti jantan.


5. Lidah Balistik nya  memiliki panjang 1,5 sampai 2 kali panjang tubuh mereka. Bunglon menangkap mangsanya yang terletak agak jauh dengan 'menembakkan' lidahnya yang panjang secara balistik. Sementara lidah bunglon ini biasanya memiliki panjang 1,5 sampai 2 kali panjang tubuh mereka (tidak termasuk ekor), baru-baru ini telah ditemukan bahwa bunglon kecil memiliki aparatus lidah yang lebih besar secara proporsional daripada rekan-rekan mereka yang lebih besar. Kecepatan Lidah mereka saat menangkap mangsanya, sangat tinggi, yaitu dalam 0,07 detik, dan diluncurkan pada percepatan melebihi 41 g. Ujung lidah bunglon adalah bola bulat otot, dan setelah mencapai mangsanya dengan cepat membentuk cangkir hisap kecil.


6. Happy Feet. Kaki bunglon sangat disesuaikan dengan gerakan di pohon (arboreal locomotion). Pada masing-masing kaki ada lima jari kaki yang dengan jelas terbedakan. Dua atau tiga jari dikelompokkan ke dalam bagian datar, masing-masing kaki memberikan penampilan seperti penjepit. Di kaki depan, kelompok luar berisi dua jari kaki, sedangkan sisi dalam berisi tiga. Di kaki belakang pengaturan ini dibalik. Kaki-kaki khusus ini memungkinkan bunglon untuk dapat berpegangan erat ke cabang sempit atau kasar. Setiap jari kaki juga dilengkapi dengan cakar yang tajam untuk membantu cengkraman pada permukaan saat mendaki.


7. Jantan biasanya lebih berornamen. Banyak ornamen kepala atau wajah seperti tonjolan hidung atau proyeksi seperti tanduk. Beberapa dapat memiliki crests besar di atas kepala mereka.


8. Bunglon tidak bisa mendengar banyak. Seperti ular, bunglon tidak memiliki telinga luar atau telinga tengah sehingga tidak ada pembukaan telinga atau gendang telinga. Namun, bunglon tidak tuli. Mereka dapat mendeteksi frekuensi suara dalam kisaran 200-600 Hz.


9. Penglihatan Ultraviolet. Bunglon bisa melihat dalam cahaya tampak dan sinar ultraviolet dan semuanya terlihat baik. Bunglon yang terekspose cahaya ultraviolet menunjukkan peningkatan pada perilaku sosial dan tingkat aktivitas mereka, dan lebih cenderung untuk berjemur dan makan. Mereka juga lebih sering untuk bereproduksi karena memiliki efek positif pada kelenjar pineal.


10. Bunglon Amerika bukanlah benar-benar bunglon. Bunglon Amerika, atau anole (Anolis carolinensis), bukan bunglon, tetapi kadal kecil dari family iguana. Mereka ini ditemukan di Amerika Serikat dan tercatat dapat berubah warna.



sumber : 
versesofuniverse.blogspot.com
Close Klik 2x
Selamat Datang