The world approved a bitterly negotiated climate deal Sunday committing wealthy historic polluters to $300 billion annually for poor and vulnerable nations that had demanded far more to confront the crisis of global warming. After two exhaustive weeks of chaotic bargaining and sleepless nights, nearly 200 nations banged through the contentious finance pact in the early hours beneath a sports stadium roof in Azerbaijan. Nations had struggled to reconcile long-standing divisions over climate finance. Sleep-deprived diplomats, huddled in anxious groups, were still revising the final phrasing on the plenary floor before the deal passed. At points, the talks appeared on the brink of collapse, with developing nations storming out of meetings and threatening to walk away should rich nations not cough up more cash. In the end -- despite repeating that no deal is better than a bad deal -- they did not stand in the way of an agreement, despite it falling well short of what they want. The final deal commits developed nations to pay at least $300 billion a year by 2035 to help developed countries green their economies and prepare for worse disasters. That is up from $100 billion now provided by wealthy nations under a commitment set to expire -- and from the $250 billion proposed in a draft Friday. That offer was slammed as offensively low by developing countries, which have demanded at least $500 billion to build resilience against climate change and cut emissions. A number of countries have accused Azerbaijan, an authoritarian oil and gas exporter, of lacking the experience and will to meet the moment, as the planet again sets temperature records and faces rising deadly disasters. Wealthy countries and small island nations have also been concerned by efforts led by Saudi Arabia to water down calls from last year's summit to phase out fossil fuels. The United States and EU have wanted newly wealthy emerging economies like China -- the world's largest emitter -- to chip in. The final draft encouraged developing countries to make contributions on a voluntary basis, reflecting no change for China which already pays climate finance on its own terms. Wealthy nations said it was politically unrealistic to expect more in direct government funding. Donald Trump, a sceptic of both climate change and foreign assistance, returns to the White House in January and a number of other Western countries have seen right-wing backlashes against the green agenda. The deal posits a larger overall target of $1.3 trillion per year to cope with rising temperatures and disasters, but most would come from private sources. bur-np-sct/lth/jjFalcons feeling the pressure at .500 as Cousins' interceptions put spotlight on downturn for offense
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AP News Summary at 4:50 p.m. ESTJets running back Hall 'looks promising' to play vs. Jags, but cornerback Reed is doubtful
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A 102-year-old woman has ticked off a very special item on her bucket list by travelling to Australia. or signup to continue reading Dorothy Smith had already visited every other continent, including Antarctica in her nineties, leaving Down Under as the last destination on her list. Ammar Kandil and Staffan Taylor from Yes Theory, met Ms Smith while filming a video in which they spent 48 hours in the Redwoods Community in San Francisco. They were moved by the centenarian's energy and also her regret of not having travelled to Australia and decided to help her complete the journey. After a , Ms Smith arrived in Sydney, which she called "a beautiful city". "The people are charming, the food is good, the scenery is just wonderful and even the weather is nice," she said. "We saw the little koala bears, of course... the lovely Bondi Beach where we got our feet a little wet and the water was really cold." The trip also saw Ms Smith and Yes Theory cruise Sydney Harbour for an afternoon where the tourists were able to "marvel" at the Harbour Bridge and Opera House. Ms Smith is more than twice the age of the Sydney Opera House and was born in 1922, the same year the NSW government passed the Sydney Harbour Bridge Act. Kandil from Yes Theory called Ms Smith's story a "powerful reminder that life is meant to be lived to the fullest". "We're incredibly happy to help her achieve this lifelong dream to visit Sydney and tick off Australia as her seventh and final continent." The video featuring Ms Smith on Yes Theory's channel, which has more than 9 million subscribers, has already been watched 173,000 times in the first 10 hours since it was published. For those wondering what Ms Smith's secret to a long life is? She said it came down to some simple things. "You have to exercise, you have to eat lots of fruit and vegetables and stay hydrated," she said. "Also, fun. You have to have fun so you'll stay healthy, and you can also enjoy 102 years. "If there's anything else you want to try, go ahead and try it." Reporter at the Illawarra Mercury, covering the local community. Got a tip? Send it through to me at joel.ehsman@austcommunitymedia.com.au. He/Him Reporter at the Illawarra Mercury, covering the local community. Got a tip? Send it through to me at joel.ehsman@austcommunitymedia.com.au. He/Him DAILY Today's top stories curated by our news team. WEEKDAYS Grab a quick bite of today's latest news from around the region and the nation. WEEKLY The latest news, results & expert analysis. WEEKDAYS Catch up on the news of the day and unwind with great reading for your evening. WEEKLY Get the editor's insights: what's happening & why it matters. WEEKLY Love footy? We've got all the action covered. WEEKLY Every Saturday and Tuesday, explore destinations deals, tips & travel writing to transport you around the globe. WEEKLY Going out or staying in? Find out what's on. WEEKDAYS Sharp. Close to the ground. Digging deep. Your weekday morning newsletter on national affairs, politics and more. TWICE WEEKLY Your essential national news digest: all the big issues on Wednesday and great reading every Saturday. WEEKLY Get news, reviews and expert insights every Thursday from CarExpert, ACM's exclusive motoring partner. TWICE WEEKLY Get real, Australia! Let the ACM network's editors and journalists bring you news and views from all over. AS IT HAPPENS Be the first to know when news breaks. DAILY Your digital replica of Today's Paper. Ready to read from 5am! DAILY Test your skills with interactive crosswords, sudoku & trivia. Fresh daily! Advertisement Advertisement
The world approved a bitterly negotiated climate deal Sunday committing wealthy historic polluters to $300 billion annually for poor and vulnerable nations that had demanded far more to confront the crisis of global warming. After two exhaustive weeks of chaotic bargaining and sleepless nights, nearly 200 nations banged through the contentious finance pact in the early hours beneath a sports stadium roof in Azerbaijan. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.If anyone else saw my 'for you' timeline, they'd be radicalised before breakfast
86 years after infamous 'War of the Worlds' broadcast, visitors in the sky have New Jersey panicking again
Bucs RB Bucky Irving gives thanks to O-line for his 185-yard gameWhen it comes to a great pair of headphones , there's no shortage out there to choose from. But the prices can vary wildly, from $25 to $250 or more. And not all of wireless earbuds offer the same features. For those with an active lifestyle, earbuds designed for sports are the antidote to the falling-out-at-every-bounce earbud, helping to keep your workout seamless. One pair, the Yamaha TW-ES5A True Wireless sports earbuds, are now available at a crazy big discount: You can grab a pair at Adorama for just $39 , down from $180. That's a wild $148 discount. But there is no telling how long this deal will last so grab a pair for someone on your gift list, and one for yourself while you're at it. With these earbuds, you get Yamaha True Sound technology for a dynamic listening experience, with a design meant to help hold your earbuds in place while moving. They are also water resistant, so you don't have to stress about sweaty workouts or sudden rain. Hey, did you know? CNET Deals texts are free, easy and save you money . Like many fitness earbuds, the Yamaha TW-ES5A True Wireless sports earbuds are not noise canceling. Instead, they allow for ambient sound, critical for making sure you are aware of your surroundings while working out in the great outdoors. Read more: Best Gifts Available on Amazon: 26 Gifts From $15 to $250 Why this deal matters A good set of earbuds is an essential, but you can easily spend a lot to get the ones you want. Normally priced at $180, the 78% discount is one of the biggest we've ever seen. It's a $141 savings, making this a low-risk, big reward deal. Will this item arrive in time for Christmas? If you’re ordering this as a holiday gift , you probably want to know if it’s going to arrive on time. With Christmas and Hanukkah both taking place on Dec. 25 this year, and Kwanzaa kicking off the day after, it’s important to note shipping deadlines for USPS, FedEx, UPS, Amazon and others . Guaranteed shipping deadlines at some of these delivery companies arrive as soon as Dec. 16, with others offering expedited services that may allow you to order as late as Dec. 23 or even Dec. 24. Where delivery is no longer possible, be sure to assess your in-store pickup options or check out these great digital deals for the holidays . The Yamaha TW-ES5A True Wireless sports earbuds will arrive in time for Christmas, according to Adorama, however be aware that you have to spend $50 in order to qualify for free two-day shipping. CNET is always covering a wide array of deals on tech products and much more. Start with the hottest sales and discounts on the CNET Deals page , and sign up for the CNET Deals Text to get daily deals sent straight to your phone. Add the free CNET Shopping extension to your browser for real-time price comparisons and cash-back offers. And peruse our gift guide , which includes a full range of ideas for birthdays, anniversaries and more.Treyarch put measures in place to prevent cheating in Black Ops 6 Ranked Play, but they weren’t enough to hold the floodgates. To access BO6 Ranked Play , you must first win 50 multiplayer matches so the RICOCHET anti-cheat system can build a match history that can be used to weed out any discrepancies in Ranked Play. In addition, RICOCHET uses a replay investigation tool to watch back completed matches as part of the investigation process. But these preventative measures weren’t enough. Just hours after the game mode launched, clips circulated , exposing cheaters for using aim bot and other external services to take over high-rank lobbies. The 100 Thieves founder took to social media and said , “The cheating in Ranked Play on Black Ops 6 is the worst it’s been. I’m actually disgusted. Don’t know how it’s gotten to this point, but the game is completely chalked.” Call of Duty League pros also spoke out about the game mode not doing a good enough job of banning cheaters. “Ranked play turned my brain to mush tonight. The hackers are winning,” Atlanta FaZe star Simp said . In response to the issue, LA Thieves’s Ghosty suggested , “Kernel-level anti-cheat is the only effective method I know that’s worked, but I’m not versed enough about how hard it is to implement.” Why isn’t RICOCHET anti-cheat working? As Ghosty suggested, Kernel-level anti-cheat is a technology that detects cheating by identifying malware and hacks on the user’s computer. Ironically, RIOCHET already uses anti-cheat uses Kernel technology, but that still hasn’t been enough to properly stop cheating in high-rank lobbies. Related: And, without kill cams, it’s challenging to gather evidence to report cheaters. Players on PlayStation and Xbox also can’t avoid cheaters on PC because turning off cross-play is not an option . This isn’t the first year cheating has been a problem for Ranked Play. CDL pros slammed Ranked Play hackers in MW2, and players also reported an uptick of cheating in MW3 . So, although we have seen similar complaints before, frustration continues to mount amongst pro players and creators who rely on Call of Duty to make a living. In the November 21 update , Treyarch addressed a few glitches in Ranked Play, but the development team has yet to an issue a statement on the overflow of cheating reports.ENGLEWOOD, Colo. — John Elway says any remorse over bypassing Josh Allen in the 2018 NFL draft is quickly dissipating with rookie Bo Nix's rapid rise, suggesting the Denver Broncos have finally found their next franchise quarterback. Elway said Nix, the sixth passer selected in April's draft, is an ideal fit in Denver with coach Sean Payton navigating his transition to the pros and Vance Joseph's defense serving as a pressure release valve for the former Oregon QB. "We've seen the progression of Bo in continuing to get better and better each week and Sean giving him more each week and trusting him more and more to where last week we saw his best game of the year," Elway said in a nod to Nix's first game with 300 yards and four touchdown throws in a rout of Atlanta. For that performance, Nix earned his second straight NFL Rookie of the Week honor along with the AFC Offensive Player of the Week award. "I think the sky's the limit," Elway said, "and that's just going to continue to get better and better." In a wide-ranging interview with The Associated Press, Elway also touted former coach Mike Shanahan's Hall of Fame credentials, spoke about the future of University of Colorado star and Heisman favorite Travis Hunter and discussed his ongoing bout with a chronic hand condition. Elway spent the last half of his decade as the Broncos' GM in a futile search for a worthy successor to Peyton Manning, a pursuit that continued as he transitioned into a two-year consultant role that ended after the 2022 season. "You have all these young quarterbacks and you look at the ones that make it and the ones that don't and it's so important to have the right system and a coach that really knows how to tutelage quarterbacks, and Sean's really good at that," Elway said. "I think the combination of Bo's maturity, having started 61 games in college, his athletic ability and his knowledge of the game has been such a tremendous help for him,'" Elway added. "But also Vance Joseph's done a heck of a job on the defensive side to where all that pressure's not being put on Bo and the offense to score all the time." Payton and his staff have methodically expanded Nix's repertoire and incorporated his speed into their blueprints. Elway lauded them for "what they're doing offensively and how they're breaking Bo into the NFL because it's a huge jump and I think patience is something that goes a long way in the NFL when it comes down to quarterbacks." Elway said he hopes to sit down with Nix at some point when things slow down for the rookie. Nix, whose six wins are one more than Elway had as a rookie, said he looks forward to meeting the man who won two Super Bowls during his Hall of Fame playing career and another from the front office. "He's a legend not only here for this organization, but for the entire NFL," Nix said, adding, "most guys, they would love to have a chat with John Elway, just pick his brain. It's just awesome that I'm even in that situation." Orange Crush linebacker Randy Gradishar joined Elway in the Pro Football Hall of Fame this year, something Elway called "way, way overdue." Elway suggested it's also long past time for the Hall to honor Shanahan, who won back-to-back Super Bowls in Denver with Elway at QB and whose footprint you see every weekend in the NFL because of his expansive coaching tree. Elway called University of Colorado stars Travis Hunter and Shedeur Sanders "both great athletes." He said he really hopes Sanders gets drafted by a team that will bring him along like the Broncos have done with Nix, and he sees Hunter being able to play both ways in the pros — but not full time. Elway said he thinks Hunter will be primarily a corner in the NFL but with significant contributions on offense: "He's great at both. He's got great instincts, and that's what you need at corner." It's been five years since Elway announced he was dealing with Dupuytren's contracture, a chronic condition that typically appears after age 40 and causes one or more fingers to permanently bend toward the palm. Elway's ring fingers on both hands were originally affected and he said now the middle finger on his right hand is starting to pull forward. So, he'll get another injection of a drug called Xiaflex, which is the only FDA-approved non-surgical treatment, one that he's endorsing in an awareness campaign for the chronic condition that affects 17 million Americans. The condition can make it difficult to do everyday tasks such as shaking hands or picking up a coffee mug. Elway said what bothered him most was "I couldn't pick up a football and I could not imagine not being able to put my hand around a football." Get local news delivered to your inbox!
AT THE QUARTER MARK: Ottawa Senators remain confidentJets running back Hall 'looks promising' to play vs. Jags, but cornerback Reed is doubtfulWhen Inter Miami were dumped out of Major League Soccer's playoffs in the first round, their former Spain international full-back Jordi Alba questioned the fairness of the post-season format. Miami had topped the Eastern Conference and the overall regular season standings with a record points tally a performance which earned them the 'Supporters' Shield'. But there would be no title battle against the best in the West for Lionel Messi and Company after they contrived to lose two matches in their best-of-three series against an Atlanta United team which finished ninth in the East and 20th in the overall standings. "I think this format is a bit unfair. It has been done for many years but I think it should be the champion of one conference against the champion of the other, to make it as fair as possible," Alba said. Alba's comments prompted much debate among MLS fans and plenty of accusations of sour grapes but they did serve to highlight that this year's playoffs, if not MLS's playoffs in general, would certainly not be a battle of the best versus best. Defending champions Columbus Crew, who finished second in the Supporters' Shield race, were also eliminated in the first round, adding to the sense that the knockout phase of the season is very much a competition of its own. So on Saturday, after the international break disrupted the flow of the post-season, the Conference semi-finals, will see a "Hudson River Derby" between two New York teams who couldn't finish in the top 10 in the regular season. New York City, Manchester City's sister club, have home-field advantage after finishing in 13th spot while the New York Red Bulls travel from New Jersey, having ended up in 16th place. The 'home field' isn't actually NYCFC's usual home of Yankee Stadium, which is being used for a college football game, but Citi Field, home of New York's other baseball club, the Mets. Later on Saturday, in the Western Conference, 2022 MLS Cup winners and last year's beaten finalists, Los Angeles FC, are at home to the Seattle Sounders. That fixture feels much more like the kind of playoff game that was expected -- LAFC finished top of the West while Seattle were fourth. LAFC faces the Sounders for the fourth time in an elimination match over the last 13 months, having defeated Seattle in the 2023 Western Conference semifinals, the 2024 Leagues Cup quarterfinal and the 2024 US Open Cup semifinal. Each of those matches was hosted by Seattle. LAFC, with former France stars in goalkeeper Hugo Lloris and striker Olivier Giroud, enter the encounter unbeaten in their last 10 meetings with the Sounders, with their last loss to Seattle coming in a 2-0 defeat in 2021. On Sunday, surprise package Atlanta, with their 40-year-old goalkeeper Brad Guzan having impressed so many with his heroics against Miami, will return to Florida to take on Orlando City, who finished fourth in the East. Atlanta won at Orlando on the last day of the regular campaign, a victory that allowed them to sneak into the wildcard round but which also completed a home and away double for the Georgia side. "Obviously, in Major League Soccer, anything can happen," said Orlando coach Oscar Pareja. "Our responsibility is to play one game at a time. This one, we're going to be ready for sure," he added. The weekend rounds off with Los Angeles Galaxy hosting Minnesota United who, under former Manchester United assistant coach Eric Ramsay, came through a best-of-three series against higher-ranked Real Salt Lake. The Galaxy start as favourites but, as this season has shown in abundance, that counts for little. "We know they are a top team at this level with top individual players who are very difficult to beat at home but...I feel that if we are a good version of what we have been over the last 10-12 games... I certainly won't be painting it as a one sided game," said Ramsay. sev/js
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No. 2 Ohio State takes control in the 2nd half and runs over No. 5 Indiana 38-15 COLUMBUS, Ohio (AP) — Will Howard passed for two touchdowns and rushed for another, TreVeyon Henderson ran for a score and No. 2 Ohio State beat previously undefeated No. 5 Indiana 38-15. All Ohio State has to do now is beat Michigan at home next Saturday and it will earn a return to the Big Ten championship game for the first time since 2020 and get a rematch with No. 1 Oregon. The Ducks beat Ohio State 32-31 in a wild one back on Oct. 12. Man City routed 4-0 by Tottenham in fifth-straight defeat as crisis deepens for Pep Guardiola What started as an evening of celebration for Manchester City ended with the four-time defending Premier League champion falling to a fifth-straight loss in all competitions and facing a deepening crisis in a season that is threatening to unravel. A 4-0 defeat to Tottenham left City five points behind league leader Liverpool, having played a game more. Two goals from James Maddison inside 20 minutes at the Etihad Stadium stunned the home crowd. Pedro Porro scored a third for Tottenham after halftime. Brennan Johnson added a fourth in the third minute of stoppage time. City manager Pep Guardiola signed a two-year contract extension this week. Chelsea, Arsenal and Brighton all won and closed the gap on Liverpool to six points. Florida knocks No. 9 Ole Miss out of College Football Playoff contention, 24-17 in the Swamp GAINESVILLE, Fla. (AP) — DJ Lagway threw two touchdown passes, Montrell Johnson ran for 127 yards and a score, and Florida upset No. 9 Mississippi 24-17 on Saturday to knock the Rebels out of College Football Playoff contention. The Gators beat ranked teams in consecutive weeks for the first time since 2008 and became bowl eligible. The late-season spurt provided another vote of confidence for coach Billy Napier, who is expected back for a fourth season. Ole Miss lost for the first time in four games and surely will drop out of the 12-team playoff picture. Jennings has 3 TDs as No. 13 SMU routs Virginia 33-7 to clinch a spot in the ACC title game CHARLOTTESVILLE, Va. (AP) — Kevin Jennings threw for a career-high 323 yards and two touchdowns and ran for another, and No. 13 SMU clinched a spot in the Atlantic Coast Conference championship game by routing Virginia 33-7. Isaiah Smith and Jared Harrison-Hunte each had two sacks to help the Mustangs extend their winning streak to eight. They would earn an automatic bid into the expanded College Football Playoff by beating 11th-ranked Miami or 17th-ranked Clemson in the ACC title game on Dec. 7 in Charlotte, North Carolina. UVa must beat rival Virginia Tech next week to become bowl eligible. No. 11 Miami pulls away late to beat Wake Forest 42-14 and move one win from the ACC title game MIAMI GARDENS, Fla. (AP) — Cam Ward passed for 280 yards and threw two touchdowns to Jacolby George on another record-breaking day, Mishael Powell ran an interception back 76 yards for a touchdown and No. 11 Miami pulled away late to beat Wake Forest 42-14. The 10-1 Hurricanes can clinch a berth in the ACC title game with a win at Syracuse next weekend. Ward completed 27 of 38 passes, plus ran for a score. Demond Claiborne had a 100-yard kickoff return for a touchdown for 4-7 Wake Forest. No. 24 Illinois stuns Rutgers on Bryant's 40-yard TD reception with 4 seconds left PISCATAWAY, N.J. (AP) — Luke Altmyer found Pat Bryant for a catch-and-run, 40-yard touchdown pass with 4 seconds left, sending No. 24 Illinois to a wild 38-31 victory over Rutgers. Illinois was down 31-30 when it sent long kicker Ethan Moczulski out for a desperation 58-yard field goal with 14 seconds to go. Rutgers coach Greg Schiano then called for a timeout right before Moczulski’s attempt was wide left and about 15 yards short. After the missed field goal was waved off by the timeout, Illinois coach Bret Bielema sent his offense back on the field. Altmyer hit Bryant on an in cut on the left side at the 22, and he continued across the field and scored untouched. Andy Murray will coach Novak Djokovic through the Australian Open Recently retired Andy Murray will team up with Novak Djokovic, working with him as a coach through the Australian Open in January. Murray’s representatives put out statements from both players on Saturday. Djokovic is a 24-time Grand Slam champion who has spent more weeks at No. 1 than any other player in tennis history. Murray won three major trophies and two Olympic singles gold medals who finished 2016 atop the ATP rankings. He retired as a player after the Paris Summer Games in August. Jannik Sinner and Matteo Berrettini lift Italy past Australia and back to the Davis Cup final MALAGA, Spain (AP) — Top-ranked Jannik Sinner and Matteo Berrettini won their singles matches to lift defending champion Italy past Australia 2-0 and back into the Davis Cup final. Sinner extended his tour-level winning streak to 24 sets in a row by beating No. 9 Alex de Minaur 6-3, 6-4 on Saturday on an indoor hard court in Malaga, Spain. That came after Berrettini came back to defeat Thanasi Kokkinakis 6-7 (6), 6-3, 7-5. Italy will meet first-time finalist Netherlands on Sunday for the title. The Dutch followed up their victory over Rafael Nadal and Spain in the quarterfinals by eliminating Germany on Friday. Argentina's Racing wins its first Copa Sudamericana championship by beating Brazil's Cruzeiro 3-1 ASUNCION, Paraguay (AP) — Gaston Martirena and Adrian Martinez scored first-half goals as Argentina’s Racing won its first Copa Sudamericana championship by beating Brazil’s Cruzeiro 3-1 in the final on Saturday. Martirena opened the scoring in the 15th minute and Martinez added a goal five minutes later to help give “La Academia” its first international title since 1988 when it won the Supercopa Sudamericana. Roger Martinez sealed the victory with a goal in the 90th. “Maravilla” Martinez scored 10 goals in 13 matches and finished as the top scorer in the competition. Kaio Jorge scored in the 52nd for Cruzeiro. Formula 1 expected to expand grid to 11 teams as early as next week for Cadillac to enter in 2026 LAS VEGAS (AP) — Formula 1 is expected to approve grid expansion for an 11th team originally started by Michael Andretti as early as next week. The team will be called Cadillac F1 and powered by Ferrari engines when it enters the sport in 2026. General Motors is expected to complete its own Cadillac power unit ahead of the 2028 season. Multiple industry insiders spoke to The Associated Press about the grid expansion on condition of anonymity because an announcement ahead of Saturday night’s Las Vegas Grand Prix could potentially steal the spotlight from the showcase event on the F1 calendar.Lindsay Lohan Reveals Epic Clapback Over Parent Trap Paycheck
(BPT) - Consumers are facing increasing costs on virtually every purchase these days and auto insurance is no exception. While skyrocketing costs of this auto-related expense can be attributed to everything from parts replacement to service — even health costs as a result of accidents — consumers can better manage these increases with thoughtful study and attention to detail. Some of the common causes for higher insurance rates are Inflation, car accidents, extreme weather conditions such as hail, hurricanes and wind, along with increased vehicle theft claims. Mercury Insurance has partnered with financial literacy influencer Sam Jarman to highlight specific ways consumers can address these rising costs. "Your car is the second biggest expense for most people, right behind your home, and car insurance is a big part of that," said Jarman. "Checking rates and coverage with your Mercury Insurance agent makes sense along with choosing a car with low maintenance costs." According to Consumer Price Index data released earlier this year, car insurance rates are up almost 21% year-over-year for the 12 months which ended in February. The last time car insurance rates rose that much on an annual basis was 1976. Here are some auto insurance statistics recently released from Forbes : "Our goal is to help our customers get the best rates possible because we know that every dollar counts." said Justin Yoshizawa, Director, Product Management, State. "We encourage consumers to build a close relationship with their agent and discuss what discounts they may be eligible to receive. The answer might be surprising." Mercury offers the following tips for lowering your insurance costs: Review your deductibles with your insurance agent – It is recommended that you review your coverage and deductible with your Mercury agent at least once a year. Their wisdom and experience can help you make wise decisions regarding your insurance. Explore car insurance discounts – In addition to bundling your home and auto insurance, Mercury offers discounts for multi-car, good drivers, good students and auto pay. Your agent may have additional discounts to offer. Let Your Insurer Track Your Driving – Most insurers offer discounts for customers who install telematics. This technology allows your insurance company to collect information regarding your mileage and driving habits. This can also provide valuable information regarding your driving as well as saving you money. Drive a safe car with low repair costs – According to Bankrate , some of the cheapest cars to insure are the Subaru Outback, Honda CR-V and Honda Pilot. Also, look for cars with lower repair costs such as the Toyota Corolla, Toyota Prius and Tesla Model 3. Doing some research before you purchase a vehicle can save you money over the length of ownership. Install an anti-theft device on your car – Drivers may receive an additional discount on your auto insurance if you install an anti-theft device on your car. Before you buy a car, compare insurance costs – You can get a fast and easy quote from your Mercury Insurance agent. To receive a quote, you can reach us at 844-514-2893. To learn more about common types of auto insurance discounts, visit https://www.mercuryinsurance.com/resources/auto/understanding-types-of-auto-insurance-discounts.html . For more information on your auto insurance, you can reference the Insurance Information Institute .