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.

11 Gugusan Pulau yang Paling Indah di Dunia


Kepulauan adlah bagian yang paling indah, damai, jauh dari kekerasan, sunyi, dan tempat yang unik di Bumi. walaupun menjadi pulau tropis yang tersusun dari pasir pantai, atau sebuah pulau vulkanik dari puncak gunung yang menjulang indah, mereka yang melihat dari luar angkasa mendapat inspirasi untuk mengabadikannya yang diambil oleh astronot dan satelit dari luar angkasa.

1. Atafu Atoll, Tokelau, Samudera Pasifik


 
berpenghuni Sekitar 500 orang yang tinggal di Atafu Atoll, kebanyakan di sebuah desa yang dapat dilihat di sudut di bagian kiri gambar di atas. Atafu hanya lima mil lebarnya dan yang terkecil dari tiga atol di Kepulauan Tokelau, sebuah wilayah DiSelandia Baru.
sebuah gunung berapi
Atafu terdiri dari terumbu karang yang mengelilingi sisi-sisi sebuah gunung berapi yang sejak itu menjadi tidak aktif dan terendam. Seperti banyak atol tropis, Atafu berbohong sangat rendah dan rentan terhadap kenaikan permukaan laut. Foto ini diambil oleh kapal astronot Stasiun Luar Angkasa Internasional pada bulan Januari.


2. Onekotan Island, Rusia


 
Ada Sebuah pulau, dalam satu pulau itu dibuat setelah letusan besar sekitar 9.000 tahun yang lalu menyebabkan puncak gunung berapi Onekotan itu runtuh, membentuk kaldera yang kemudian diisi dengan air. Pulau di dalam kaldera Krenitzyn dikenal sebagai Puncak, yang merupakan titik tertinggi di pulau sekitar 4.300 kaki.
Onekotan di Rusia Kepulauan Kuril antara Jepang dan ujung Semenanjung Ka*m*c*h*a*t*k*a. Pulau-pulau itu terbentuk oleh aktivitas gunung berapi disebabkan oleh subduksi dari Lempeng Pasifik Lempeng Eurasia di bawahnya. Subduksi dapat juga menghasilkan beberapa gempa bumi terbesar di Bumi, gempa ini termasuk 9 besar pada tahun 1952 yang diikuti seminggu kemudian oleh sejarah Krenitzyn hanya letusan. Gambar ini diambil oleh Tanah Advanced Imager (ALI) di NASA Earth Observing-1 (EO-1) satelit pada tanggal 10 Juni 2009.


3.Galapagos Islands, Samudera Pasifik


 
Kepulauan Galapagos adalah puncak gunung berapi di dasar laut di lepas pantai Amerika Selatan di sepanjang khatulistiwa. Aktivitas vulkanik yang membentuk pulau-pulau dianggap hasil dari segumpal bahan mantel panas yang naik dari jauh di dalam interior bumi.
Pulau terbesar, Isabela Isla, terbuat dari aliran lava yang mempunyai kemiringan enam lembut gunung berapi perisai. Bagian paling utara Isabela's gunung berapi, di bagian atas gambar di atas, adalah Wolf Volcano, yang telah meletus sedikitnya sembilan kali sejak 1797. Gambar ini diambil oleh Landsat 7 satelit pada tahun 2001.


4. Maladewa, Samudera Hindia


 
Maladewa terdiri dari 1.192 pulau-pulau karang kecil menambahkan hingga hanya 115 mil persegi wilayah. Sekitar 330.000 orang tinggal di pulau-pulau, ketinggian rata-rata yang sedikit lebih dari 3 meter. Ini mungkin adalah negara terendah di dunia.
Gambar ini dari Utara dan Selatan atol Malosmadulu diambil pada 2002 oleh kapal instrumen ASTER Terra NASA satelit.


5. Henrietta Pulau, Laut Siberia Timur


 
Ini ditutupi gletser-pulau Rusia hanya 6 mil lebar. Bawah es, pulau terdiri dari 500 juta tahun batu vulkanik overlain oleh batuan sedimen yang lebih muda. Gambar ini diambil oleh Tanah Advanced Imager (ALI) di NASA Earth Observing-1 satelit pada 30 April 2009.



6. Eleuthera Island, Bahama


 
Formasi bawah laut yang spektakuler di sebelah barat Pulau Eleuthera terbuat dari kalsium karbonat pasir yang telah mengikis dari terumbu karang dan disimpan di bukit pasir oleh arus laut.
Gambar 2002 ini ditangkap oleh kapal astronot Stasiun Luar Angkasa Internasional. Terletak di tengah Bahama, Eleuthra Island adalah 110 mil panjang, dan di tempat-tempat lebih dari satu mil lebar. Sekitar 8.000 orang tinggal di sana.


7. Agustinus Volcano, Alaska


 
Gunung berapi yang paling aktif di Alaska's Aleutian busur, Agustinus Volcano sejarah letusan terbesar terjadi pada tahun 1883. Telah meletus selama 40.000 tahun. Gambar ini, ditangkap oleh Spaceborne Advanced Thermal Emisi dan Radiometer di NASA's Terra satelit pada bulan April 2006, menunjukkan uap atau abu yang berada di ujung dan beberapa bulan letusan ledakan.



8. Kepulauan lasser sunda, Indonesia


 
Tiga pulau terbesar di gambar ini, dan banyak yang lebih kecil, make up di Indonesia Taman Nasional Komodo yang didirikan pada tahun 1980 untuk melindungi spesies kadal terbesar di dunia, Komodo. Luas total taman adalah 230 mil persegi. Pulau-pulau adalah gunung berapi disebabkan oleh tumbukan dua lempeng tektonik. Gambar ini diambil oleh Spaceborne Advanced Thermal Emisi dan Perenungan Radiometer di satelit Terra NASA



9. Kepulauan Hawaii, Samudera Pasifik


 
Kepulauan Hawaii dibentuk oleh plume upwelling bahan mantel panas, yang disebut hotspot. Seperti piring Pasifik bergerak di atas hotspot, itu membentuk rantai kepulauan pertama itu tumbuh besar saat mereka secara aktif meletus, dan kemudian perlahan-lahan terkikis dan tenggelam di bawah permukaan laut sebagai kerak bumi dan kerak itu di dasar mereka didinginkan.
ini, area hotspot menyebabkan vulkanik aktif di Big Island Hawaii. Kilauea Volcano telah meletus terus menerus sejak tahun 1983. Sisa dari pulau-pulau, yang semakin tua dari kanan ke kiri, adalah Maui, Kahoolawe, Lanai, Molokai, Oahu, Kauai dan Niihau. Gambar ini diambil oleh instrumen MODIS aboard Terra NASA satelit.


10. Alejandro Selkirk Island, Samudra Pasifik Selatan


 
Anggota kecil Juan Fernandez Islands di lepas pantai Chili hanya berukuran di bawah satu mil di seberang. 5.000 kaki tetapi elevasi cukup tinggi untuk mencapai lapisan awan stratocumulus digambarkan di atas. Hasilnya adalah jenis aliran dikenal sebagai pusaran Karmen von jalan. Ini mencolok, pola pusaran keriting juga dapat dilihat di awan, dan cairan atau udara bergerak melewati benda bulat seperti sayap pesawat terbang. Gambar ini diambil oleh Landsat 7 satelit pada tahun 1999.

 
11. Pulau milenium, Republik Kiribati, Samudra Pasifik Selatan

Juga dikenal sebagai Pulau Caroline, Millenium Island adalah terbuat dari terumbu karang yang tumbuh di sekitar gunung berapi, yang sekarang di bawah air, meninggalkan laguna pusat. Ketinggian maksimum pulau kurang dari 20 meter di atas permukaan laut. Di masa lalu, pulau telah didiami dan ditambang untuk guano, meskipun saat ini tidak ada orang dan itu adalah di antara dunia yang paling murni pulau tropis. Gambar ini diambil oleh kapal astronot Stasiun Luar Angkasa Internasional pada tanggal 1 Juli 2009.


Sumber: hajingfai.blogspot.com
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