Ukuba ungumqhubi omtsha, siyazi indawo ezifanelekileyo zokuqinisekisa imoto yakho
Ukuba ngumqhubi welayisenisi kunokubonakala kunzima. Ukuthenga imoto kwaye ukufumana isiqinisekiso kukuxanduva oluninzi. Ukuba uneminyaka engaphezulu kwe-18, umqhubi onikwe ilayisenisi kwaye uneemali ezifumanekayo ukuthenga isithuthi (kunye ne-inshorensi), ngokuqinisekileyo uyakhululekile kwaye ucacile ukwenza njalo. Kodwa ukuba ungumntwana osemncinci, ukuba nelayisenisi kwaye imali ayanele. Kwinkoliso ezininzi, abancinci abavumelekanga ukuba babe nepropati ngokwabo, kwaye kufuneka uqeshe umzali (okanye omnye umntu omdala othembekileyo) ukuze ubhalisele ukuthenga kwakho. Xa ungathandabuzeki, qhagamshelana ne-DMV yakho yelizwe.
Ukongeza umqhubi omtsha kwi-inshurensi yemoto yentsholongwane yomshuwalense ungabizi ngaphezu kokuthenga i-inshorensi ngokwakho: uya kuhlawula ipesenti ezingama-20 ngaphezu kokunyuka kwiipalamama zakho zentsapho kuya kuba necebo lakho elihlukile.
Iindaba ezilungileyo kukuba ukuba kufuneka uzenzele ngokwakho kwaye uhlawule umgaqo-nkqubo wakho womshuwalense, umahluko kwimali-premiums iya kuba ngumnyaka ophantsi ngonyaka njengoko ukhula ube ngumqhubi omdala kunye nolwazi.
Kuze kube ngolo xesha, nantsi iinqunto ezingcono kwiibhola zabafundi abancinane kunye nabafundi beekholejini:
01 Ngokugqithiseleyo: U-Erie Insurance
Ukuba uhlala e-Illinois, e-Indiana, e-Maryland, e-New York, e-North Carolina, e-Ohio, ePennsylvania, e-Tennessee, eVirginia, eWest Virginia, okanye eWisconsin, ngokuqinisekileyo kufuneka ubize i-agent ye-Erie. Kulula nje enye yeenkampani ezithengwa kakhulu kwiinkwenkwezi kunye nabaqhubi beekholeji. Banikezela izaphulelo ezifikelela kuma-20 eepesenti kubaqhubi abahlala ekhaya kwaye bangaphantsi kwe-21, ngamnye ngonyaka bachitha phantsi komgaqo ofanayo, ngokuthatha inqanaba lokuqhubela phambili, kunye nokuba bathatha inxaxheba kwinkqubo yabo yokukhuphisana enikeza amabhaso kubafundi abaye eyona nto ibandakanyeka ngokuqhuba ngokukhuselekileyo. Ucocekile, h?
U-Erie Insurance uyayaziwa kakhulu ngentengo yawo yokhuphiswano kunye nenkonzo ebalulekileyo yamabango. Balinganiselwa ku-A + ngu-AM Best, ebizwa ngokuba yi-Excellent rating. AM Iingqinisiso eziphambili zihambelana nokuzinza kwezemali zomphathiswa kunye nobuhle bokuba ibango lakho lihlawulwa.
Umqhubi we-02, ogqwesileyo ngakumbi: Intsapho yase-American Family Insurance
Inkampani ehloniphekileyo ine-Programme ye-Teen Safe Driver yenkqubo yamahhala enokunikezela i-10% yeepesenti emva kokuba umqhubi azalise ii-3,000 iiyure zokuqhuba okanye unyaka owodwa usebenzisa i-app, elandela ukuziphatha kokuqhuba nokunika ingxelo. Ukuba unokwabelana ngesithuthi nomqhubi wakho osemtsha, ungakhathazeki - unokususa iindwendwe kwilogi ukuba omnye umntu ungumqhubi.
Cinga ukuqhuba imoto esele ikhulile. Iimali-mali zihlala ziphantsi kwiinqwelo ezidlulileyo - kwaye ngokuqinisekileyo zincinane kunokuba zisekho imodeli yakutsha yezemidlalo. Kodwa ekunikeni ukuba izinga lokuphazamiseka kwabaqhubi bebhola phantse ngokuphindwe kabini kunabanye abaqhubi abakudala, musa ukukhupha ukhuseleko: imoto endala kakhulu ngezinye izihlandlo ngezinye iinkcukacha ayinayo impawu yokukhusela ebalulekileyo ekukhuseleni abaqhubi abatsha endleleni xa kwenzeka ingozi . Kwinqanaba elincinci, qiniseka ukuba isithuthi sisebenzise i-airbags kunye nokuhlolwa kwentshutshiso yakutshanje ukusuka kumatshini ohloniphekileyo.
03 I-Discount Student Best Discount: I-inshurensi yeFama kaRhulumente
Iifama yeSizwe iza neempompo zokhuphiswano kwaye lukhetho olukhulu kulabo abahlala ngaphandle kwemimandla emikhulu kunye neendawo ezingabhekwanga ngabathwali abancinci abancinci. Baphinde bafumane isaphulelo esiphuculisayo sama-25 ekhulwini ukuya kuma-grade angama-25 kwaye baziwa ngenkonzo yabo yamangalisa.
Ifama yeSizwe yinkampani enkulu ye-inshorensi e-US kuba iqinisekisa iimoto nemakhaya kunanoma yimuphi omunye umphathiswa. Kwamanye amazwe, iFama yeFestile inikezela i-Steer Clear kwaye yenza iProgram ekhuselekileyo kunye ne-Gcina i-rebate ngokuxhomekeka kwimikhwa yokuqhubela phambili ngelixa unceda abashayeli abasha bafunde ukuqhuba ngokukhuselekileyo. Hlola nge-arhente kwindawo yakho ukuba ubone ukuba ngaba zikhetho zikhoyo.
Abasebenzi beeFama zeSizwe baqeqeshiwe kakhulu abaqeqeshelwa ukugubungela yonke into enayo kwindawo enye. Zikulungele ukuba yonke intsapho ibe ne-inshurensi yayo kwinkampani yomshuwalense.
04 I-Best Direct Inkampani yeNkampani Yomshuwalense: i-Geico Insurance
I-Geico iyafumaneka kwiindawo ezingama-50 kwaye ibuye isinike isaphulelo ekusebenziseni izibhanqo zakho zokuhlala, kwakunye nokuqinisekisa ukuba isithuthi sakho sinemisebenzi yokukhusela njenge-brake-lock lock, airbags kunye nokukhuselwa kobusela. Banikela ngeNkqubo yoTywala yeNtsapho enika izinga eliphantsi kwabaselula abahlala kumgaqo-nkqubo we-inshorensi yabazali babo kwaye emva koko batshintshele kwisicwangciso sabo se-Geico. Ukuba uqhuba phakathi kwekhaya kunye nekholeji rhoqo, unokufuna ukutshintshela ukuxhatshazwa kwemishini yenkampani, ehlanganisa iindleko zokulungiswa ozifunayo ngenxa yokuguga okuqhelekileyo kunye nokukhalaza kunokuba kube neengozi ezinzulu.
I-Geico ithengwa kwaye ithengiswe ngqo kwi-intanethi, oko kuthetha ukuba awuyi kungena kwiofisi ye-ejenti. I-inshurensi ngqo ayikho entsha yaye iqhubeka ngokuqhubekayo ekuthandeni. Unokuthetha kunye ne-ejensi elayisenisi ngefowuni elula. Abanye bajonge njengokuba beqa umnqwenyana kunye nokugcina imali encinane kwipokoth yakho.
Ikunceda ukuba uqhelane ne-inshurensi yemoto ngaphambi kokuyithenga kwi-intanethi. Ukuba uziva ungaqinisekanga ngendlela ipolisi yakho isebenza ngayo, qiniseka ukufumana iimpendulo kumthombo othembekileyo.
05 Iipolisi eziphambili zePolisi: I-inshurensi yonke
Njengabanye kuloluhlu, lonke ilizwe linika isaphulelo somfundi esihle. Kodwa kunika uxanduva lokuxolelwa kwengozi nakwi-drivers abasha, ukuqinisekisa ukuba amaxabiso angeke atyuke nangaphezulu emva kokulimala kweyokuqala. Banikezela nge-24/7 uncedo lendlela. Ukuba unomdla wokuba ulandelelwe ukuqhutyelwa kwelo xesha, iprogram yabo ye-SmartRide inokukufumana ithuba lokufumana izaphulelo eziphezulu emva konyaka wokusetyenziswa. Unako ukudibanisa izaphulelo kwisicwangciso sentsapho, ngoko ukuba ngabazali bakho banelungelo lokufumana isaphulelo sokungabi nengozi, uya kuba njalo.
Thatha umqhubi, nangona kungenyanzeliso - kwaye nangona kungaphantsi kweeprayimari zakho. Kuza kunciphisa amathuba akho okubangela ingozi ekhuphayo kunye ne-premium-raising raising, ngoko ke kuya kusindisa imali kunye nentlungu ngexesha elide.
06 Eyona ndlela ihamba phambili kuMqhubi wabafundi kwiiNdawo zabo: Intshurensi yokuqhubela phambili
Ngokuphuculwa kweemoto ezininzi zeProgressive, unokukhupha iindleko zokuqinisekisa umntu osemtsha okanye omncinci ngokufumana isantya esincinane sokugubungela izithuthi ezininzi phantsi komgaqo ofanayo. Kodwa, oko akunjalo ngaso sonke isikhathi. Ukuba uthengela umgaqo-nkqubo ngokwakho njengomqhubi omncinci, Uqhubela phambili uya kukunyamekela.
I-website yeNtuthuko ibalwa njengenye yeyona nto ibhetele. Ukuthelekisa kuthengiswa kwinto eyenza lula ngokusetyenziswa kwazo. Khumbula, kuseloko kulungile ukuthenga i-inshurensi, buza malunga nezaphulelo, kwaye ungalokothi uthathe isipho sokuqala. Naluphi na umgaqo ogqitywa ngawo, khumbula nje ukuba awuyi kuhlawula amaxabiso aphezulu ngonaphakade!
07 Eyona ndlela iphumelele kwiKholeji: Allstate
Abafundi abangatshatanga abangaphantsi kweminyaka engama-25 banokufumana imali eninzi xa bebhalise ixesha elipheleleyo kwaye bafumana amabakala amnandi, baye esikolweni ubuncinane ubunzima beekhilomitha ezili-100 ukusuka ekhaya (kunye nemoto yabo) okanye bazalise inkqubo ye-teenage Programm driver.
I-Allstate inikeza ama-agent asekuhlaleni ukuba ahambe nawe ngenkqubo yomshuwalense. Njalo ucele malunga nezaphulelo. Umqhubi okhuselekileyo wezaphulelo, izaphulelo ezifanelekileyo zebakala, izaphulelo zokufaka insiza yokuqhuba ngokukhuselekileyo ... uluhlu alupheliyo, kwaye luhlala luhlawulela ukuthetha ne-inshente yakho yomshuwalense.
Ukuba uya esikolweni kodwa imoto yakho ayiyi kuhamba nohambo, kufuneka ucele i-inshorensi yentsapho yakho malunga neprayimenti ephantsi. Ukuba awuyikuqhuba isithuthi unyaka-wonke, akukho sizathu sokuba kufuneka uhlawule idola ephezulu ngokukhawuleza ngonyaka. Kodwa ngokuqinisekileyo musa ukucima umgaqo-nkqubo wakho - ufuna ukuqiniseka ukuba isithuthi sakho sebiwe okanye sonakaliswe ngumsebenzi wendalo (okanye izithintelo) ezifihliweyo.
08 I-Intshurensi Enobungcali Kubantu Abasanda Kuhlaselwa: USAA
Ukuba ujoyina umkhosi ngqo emva kokufunda isikolo esiphakeme okanye ukugqweswa kwiikholeji kwaye ufuna imoto yomshuwalense, unenhlanhla, ngenxa yokuba i-USAA inikeza imigaqo-nkqubo enokufumaneka kuphela kumalungu omkhosi, amaqhawe kunye neentsapho zabo. Zivame ukuba neenkonzo ezingcono kakhulu zabathengi kunye nokulinganiswa kwamanani kwishishini.
Lindela ukufumanisa zonke iimfuno zakho ze-inshorensi. Inqwelo yomshuwalense, isithuthuthu, isikebhe, ii-renters kunye nabanini be-inshorensi yabanini bayatholakala. I-USAA ayinikezeli ii-agent zangaphakathi kodwa uya kuba nokufikelela kuma-24 iiyure ngosuku, iintsuku ezisixhenxe ngeveki.
USAA iyaqonda ubomi bempi. Bayazi ukuba ukuhamba ngokuqhelekileyo kuyingxenye yolu daba. Bayazi ukuba ikhaya lakho liyakwazi uhluke kunokuba uhlala kulo. Ngoko khangelani akukho ngaphezu kwe-USAA.