Fumana umgaqo-nkqubo oza kukubuyisela endleleni
Ngaba unzima ukufumana inshuwalense yemoto njengomqhubi ophezulu? Ukuba uye wabhalwa njengomqhubi ophezulu (ngenxa yokuphulwa kweendlela ezinkulu okanye ukuphulwa okuncinci), unganokukuqonda ngokukhawuleza, kodwa ngokuqinisekileyo uya kubona ukunyuka kwiiprimiyamu zakho ze-inshorensi.
Kodwa ngaphambi kokuba uthenge nayiphi na umgaqo-nkqubo, qiniseka ukuba uthelekisa ivenkile uze uthethe nabahlobo bakho nabamelwane ngamava abo kwimarike yomshuwalense. Kwakhona ingcamango enhle ukujonga ngamandla ombane kunye nezikhalazo zezikhalazo zeenkampani ozicingayo. Izinkampani ezinamandla emali ziyakwazi ukuhlawula amabango ngexesha, oko kuthetha ukuba uyaqiniseka ukuba uya kufumana umvuzo owuhlawule ngawo umcimbi ofuna ukuyisebenzisa. Iinkampani ezinomlinganiselo wokukhalaza ophantsi kunzima ukufumana kwimarike yomshuwalense ophezulu, kodwa ayinakwenzeka, kwaye kuyafaneleka ukuzama ukufumana inkampani enika umxube omhle wexabiso kunye neendleko.
Ngoko kukubuyisela kwindlela ngokukhawuleza nangokukhuselekileyo kunokwenzeka, sidibanisa uluhlu lweenkampani eziphezulu ze-inshorensi kubaqhubi ngamatiti okanye izingozi kwiirekhodi zabo.
01 Ngokugqwesileyo: Bristol West
Efumaneka kumazwe amaninzi, i-Bristol West inkokheli ekukhuselweni kwamatyala abaqhubi beengozi eziphezulu. Inkampani ngokuqhelekileyo inezikhalazo ezingaphantsi kwesiganeko kwaye ineemeko eziphezulu zezimali, kwaye inika izikhetho eziphantsi zokuhlawula kunye nezicwangciso zokuhlawula eziguquguqukayo. Njenge-subsidiary ye-Farmers Insurance, ithengiswa kuphela ngabaphathi beeNtsholongwane ze-Intshumo kunokuba baxhomeke ngqo kubathengi.
Ukukhethwa kwentlawulo ephantsi kweBristol West kunokunceda kakhulu. Ukuba nentlawulo ephantsi ingachaza umahluko phakathi kokuthenga i-inshurensi nokuqhuba ngaphandle. Izizathu eziqhelekileyo ukuba abantu babhalwa njengabaqhubi bengozi kakhulu kubandakanya ukuphulwa okunzulu njengokwenza ukuqhutyelwa ngaphantsi kwefuthe, kubangela ingozi yokuhlaselwa kunye nokugijima, ukufumana itoni yekitikithi okanye ukuhluleka ukuthenga i-inshurensi yemoto ngaphambi kokuba ungene emva kwevili. Kodwa ukuba unomqhubi omncinci okanye umdala, phila kwindawo edolophini kakhulu, okanye uqhube isithuthi esipheleleyo, unokufumana ubizwa ngokuba ngumngcipheko womshuwalense.
02 Umqhubi-phambili, ogqwesileyo ngakumbi: Allstate
Ngaphezulu kokuba nemali engaphantsi kwemilinganiselo kunye nomlinganiselo omncinci kunomyinge wesibalo sezikhalazo, u-Allstate uphinde unikezele ngokunyusa okukukunceda ukuba ufumane irekhodi lakho lokuqhuba ngokulandelelana-kwaye unikeze izibonelelo zemali ngokwenza njalo. Kwiinyanga ezintandathu uqhuba i-accident-free, uzakufumana isheke kwi-imeyile evela kwi-Allstate. Kunyaka ngamnye kungekho ukuphulwa kwezinto ezihambayo, uya kufumana i-$ 100 eyongezelelweyo ye-collision yakho. Ukuba uzimisele ukufaka ifowuni ye-Drivewise, uza kufumana iipesenti ezili-15 kwiinyanga ezintandathu uqhuba ngokukhuselekileyo.
Ukuba uyenzeka ukuba ungene engozini, ungathumela iifoto kunye namavidiyo endaweni yokuhlolwa komntu ukufaka ibango, kwaye inkampani iqinisekisa ukwaneliseka kwamabango. Banikezela ukuxolelwa ngengozi yengozi yokuqala kwaye baya kuthatha indawo yakho imoto xa uyingqinela kwiminyaka emibili yokuqala ukuba uyithenge.
03 Eyona nto yokulungiswa kwakhona KwiRekhodi yakho yokuqhuba: Ifama yeSizwe
Ngaphandle kokunikezela ngezicwangciso ezixabisekileyo, iProgram yeFama yeFestile yeKhuseleko kunye neNkqubo yokuThumela ulandelelwano lwakho ngexesha le-real-time yezinto ezininzi zokuphepha ezikhuselekileyo ezinjengezinto ezilula ngokukhawuleza nokuhamba ngokufanelekileyo. Kwaye unako ukufumana izaphulelo ezithe xaxa, ukuya kuma-50 ekhulwini, ukuba iFama yeFama inquma ukuba awuyingozi njengomqhubi njengoko irekhodi lakho lichaza. Inkampani inikeza uqeqesho olubizwa ngokuba yi-Steer Clear Driver Program ukuba ufuna ikhosi ehlaziyiweyo kwizinto zokuziphatha ezikhuselekileyo zokuziphatha.
04 Ilungelelaniso leNgcaciso-mali: Ihamba phambili
Ngaba uyazi ukuba Inkqubela phambili yaqala njengenkampani kuphela kubaqhubi abaphezulu? Bayiyinkampani yokuqala yinshurensi yokukuvumela ukuba uyihlawule iipriyamu zakho kwizitofu kunye nokunikezela ngenkonzo yebango lokufaka izicelo, kunye nayo. Banjalo inkokeli kwinkonzo yabathengi kunye nokucubungulwa kwamabango: zonke iinkalo zenkqubo zilawulwa yiivenkile zomzimba ezihambelanayo kunye neNqubekela phambili, okubhekiselele kwilahleko encinane kubaqhubi xa ufuna ukulungiswa kunye nenkqubo ehlengahlengiswayo wonke umntu.
05 Ilungelelaniso lweeNkcitho eziPacileyo neziPhambili: i-Geico
I-Geico Casualty, i-subsidiary ephezulu yengozi yaseGeico, isebenzisa indlela yokumangalisa ebonakalayo ecacileyo ukuze kuqinisekiswe ukuba umntu uya kuhlawula njani umgaqo othile, ngokusekelwe kwiimeko ezizenzekelayo, ukuqhuba ukuqhuba nokuchonga okukhethiweyo. Inkampani inika kwakhona ukuhlaziywa kunye nokulungiswa kokuqhuba umqhubi, kwaye ihlala ixabisa kakhulu ngokwemilinganiselo yabanelisayo kumakhasimende.
Njengoko inkampani ye-inshurensi enkulu yowesizwe, akufanele kumangalisi ukuba uGeico "unamandla" wezezimali kunye. Nangona ukhangelelana nomntu, unokwenza ufune ukuqwalasela inkampani eyahlukileyo: I-GEICO yintengiso ye-inshurensi-ngaphantsi kuba ithengisa ngokuthe ngqo kubaxumi, nto ithetha ukuba unayo ingxaki okanye imibuzo, kufuneka ufumane kwiwebhsayithi okanye umnxeba ngenkonzo yabathengi.
06 Eyona nto ilungeleyo kulabo abalahlwa yiNkampani: iTitan
Ukuba unqatshelwe ngamanye iinkampani ze-inshorensi, ungayeki ukukhangela uze ukhangele kwiTitan, inkxaso-mali kazwelonke. I-Titan kaninzi iya kuqinisekisa abaqhubi ukuba ezinye iinkampani ze-inshorensi zingayi kuthintela, kubandakanywa nabo abaneenkolelo zokushayela, kwaye ziya kunika iphepha le-SR-22 ukuba uyayidinga. Inkampani inikezela ubuncinane ubuncinane bokukhethwa kwenkcazo xa ukhangele ukhetho oluncinci, kwaye unikezela izaphulelo ezininzi ngezinto ongeke ucinge ukuba ziya kubonelela nge-perk yezemali, njengokuba ubenqatshelwe i-brake lock okanye usetyenzise isithuthi sakho kwifama .
07 Eyona nto ibonelele kakhulu: I-General
Ukuba ufuna inkampani yomshuwalense engayi kuzama ukongeza ii-frills ezongezelelweyo kumgaqo-nkqubo wakho kodwa unayo inkxaso eyomeleleyo yemali, ungaboni ngaphezu kwe-Jikelele. Le nkampani izakuqinisekisa ngokumalunga nabani na, inokukhupha iifom ze-SR-22, kunye neengcaphula kwiwebhusayithi yayo kuphela zibandakanya uhlaselo oluncinane lwelizwe.
I-Jikelele iyinika neentlawulo eziphantsi kunye nezikhetho zenyanga zenyanga zokuhlawula. Nangona inkampani inomlinganiselo wokukhalaza ongaphezu kwe-average, amandla kaGenerali aphezulu "aphezulu kakhulu," ngokubhekiselele kwi-agency engama-AM AM Best - ebhekiselele ukukwazi ukuhlawula ibango, ukuba ngaba ufuna ukuyifakela enye, uyomelele. Inkampani inikezela nge-self-servites kunye newebhsayithi ekupheliseni isidingo sokusebenza kunye ne-inshente ye-inshurensi ukuze wenze iintlawulo okanye utshintsho lomgaqo-nkqubo, fumana ikhadi lakho le-inshurensi okanye ujonge amaxwebhu e-inshorensi afanelekileyo.
08 Best Best When You Need A SR-22: Intshuwalense Yemvume
Ukuba wenze isigwebo esinokumangalisa, unokufunwa ukuba ufake ifayile ye-SR-22 kunye nelizwe lakho, elibonisa ubungqina bokuthi uthenge inshuwalense yemoto. I-SR-22 ayilona uhlobo lomshuwalense kunye nalabo ababhekisela kwi-inshuwalense ye-SR-22 "ithetha nje ukuba iinkampani ezizimisele ukuqinisekisa abaqhubi kufuneka zifake eli phepha kunye noorhulumente.
Kufuneka uhlawule umrhumo owongezelelweyo ngeendleko zokufakela eziza kwi-SR-22, kodwa iinkampani ezininzi ze-inshorensi eziphezulu aziyi kuzimanga ukuba uthetha le mfuno. Ngokuqinisekileyo, yinto efanelekileyo ukuhamba phambili kunye nawaphi na ama-inshorensi xa uthetha ngeendlela zokukhetha iinkqubo kwaye uchaze ukuba kuya kufuneka ufake ifom ye-SR-22 ukususela ekuqaleni.
Inkokhelo yomshuwalense iyamkelelela abo bafuna olu hlobo logalelo kwaye ijolise ukwenza inkqubo yokufakela njengentlungu engenakwenzeka. Ngenxa yokuba bafumana abaqhubi beengozi eziphezulu, u-Acceptance inezicwangciso ezahlukeneyo zabaqhubi abanobungozi obuphezulu kunokuba basebenzise ubungakanani obufanayo obufanayo. Njengenkampani encinci yeMidwestern, I-Acceptance inikezela ngenkonzo enkulu yabathengi.
Ngombulelo, ukubizwa ngokuba ngumqhubi ophakamileyo obunobungozi akusikho ikhonkwane ebhokisini. Ukuba ungekhoxanduva, ukulungiswa kwemikhwa nokuziphatha kwakho kuya kuqinisekisa ukuba izinga lakho le-inshorensi liphantsi kwixesha elizayo.