Kodwa kukho enye indawo ekuhlawulela ngayo ukuba ibhinqa, kwaye yilapho ifika kwiimali-mali zomshuwalense womshuwalense.
Ucwaningo olwenziwa ngo-2015 oluqhutywa yiNerdWallet luboniswe ukuba amadoda ahlawula, ngokuqhelekileyo, ngaphezulu kweepesenti ezi-3 kwiimali-mali ze-inshurensi yemoto kunabesifazana-kwaye kuma-20s, ukuya kuma-27 ekhulwini!
Nangona le nkcazo ibonakala ibangele, ingakumbi ukuba uneminyaka engama-20 ubudala, ungadikibali. Ngombulelo, i- inshurensi yemoto yomshuwalense yakho ayinakuncinci ukuziphatha kwakho ngesini ngokwawo.
Isizathu sokuba abantu bahlawule ngakumbi
Yonke into engama-inshurensi ichazwa ngamanani amaninzi: ubuninzi bengozi, iipesenti kunye nedatha yengozi yangaphambili. Inyaniso elula kukuba amadoda avame ukubiza ngaphezulu ukuthenga i-inshurensi yemoto ngenxa yokuba amadoda, amanani amaninzi, abangela iingozi ezininzi (kwaye ngoko ke indleko zeenkampani zomshuwalense zininzi kwiibango zokuhlawula) kunabesifazane.
Iinkalo zobungozi Iinkampani ze-inshurensi zicinge
Ubudala : Ngokukodwa abancinci kunye nabasemagunyeni abadala bangela ukuba ezinye ziqinisekise. Abashayeli abancinci abanamava angaphantsi kwama-middle-age kwaye ke ngoko bangena kwiingozi ezininzi rhoqo. Abaqhubi abakhulileyo, kuquka nabo abanamarekhodi okuqhuba ukungenabala , bahlala bebukeka bebuhlungu kunye nexesha lokusabela, okwenza ukuqhubela phambili kube yingozi. Amadoda amancinci ngokukodwa abangela ukuba kube neengozi ezininzi kunabesifazana, kwaye amadoda angaphantsi kwama-25 akanako ukumbatha iibhande zokhuseleko kwaye athambe ukuqhuba ngokukhawuleza kunabalingane babo abadala okanye abasetyhini.
Oku kuthetha ukuba abantu abaselula baya kuhlawula ngaphezulu kunabantwana abasetyhini yomshuwalense wemoto.
Ixesha lokuLawulwa kweengozi : Amadoda asenokuba yintoni ebangela izingozi ngaphezu kwabasetyhini. Ingozi ezongezelelekileyo ozibangelayo, iindleko zeenkampani zomshuwalense ukukhawuleza umonakalo owenzayo, kwaye ngoko ke i-premiums yakho iya phezulu.
Ukuba ungumqhubi we-stellar, umqhubi okhuselekileyo ongakaze abe neengozi, akunakwenzeka ukuba uhlawuliswe xa ufuna ukuba ngumntu.
Yenza Uhlobo Lwezithuthi Zakho Nesibonelo : kuba amadoda ahlala esithenga iimoto ezemidlalo ezikhawulezileyo ngaphezu kwamabhinqa, iiprayimari zazo ziphezulu. Iimoto eziye zenzelwe ukuhamba ngokukhawuleza kwaye zikhawuleze zindleko ngokukhawuleza ukuba ziqinisekise ukuba zihlala zibandakanya ukuqhubela iitalato kunye neengozi ezibi. Ukuba ungumntu oqhuba imoto ekhuselekileyo nengqiqo, akunakwenzeka ukuba ukhokhe ngaphezulu kwiiprayimari kunokuba ibhinqa lingazi.
Isimo somtshato : Ukuba usatshatile, udala umtshato kunye nomnye umntu-ubophelelo olwenza ukuba ucinge kabini ngaphambi kokuba usebenze ngendlela yokuziphatha yokuphazamiseka . Ngenxa yoko, abantu abatshatileyo bahlala behlawula ngaphantsi kwe-inshurensi yemoto kuneentanga zabo ezingatshatanga.
Bobabini abaGeni kufuneka bavumelane: Musa ukusela kunye neDrayivu Uyazi ukuba ukuhamba emva kwesondo xa unesiphuzo esincinci yicinga elibi. Kwenye, akukho mthethweni. Kodwa yinto ebangela itoni yeengozi. Phantse enye yesithathu kubo bonke abafayo kwiingozi zeemoto e-United States zibangelwa ngumqhubi ongenakunzima, ukuhlawula ilizwe, kunye neenkampani ze-inshorensi, ngaphezulu kwe-$ 44 billion.
Ngokutsho kweNkampani ye-Inshorensi yokuPhepha kweNdlela, i-inshorensi ephindwe kabini njengabesifazana abafumana izingozi ezibulalayo ngenxa yezinto ezixutywayo zegazi eziphezu komda wezomthetho.
Iindlela zokuNciphisa iGap Gap
Yiba ngumqhubi okhuselekileyo: Indlela efanelekileyo yokunciphisa isahluko sobulili kukuba ube ngumqhubi okhuselekileyo kwaye ubonise "ukungabi nengozi" kwinkampani yomshuwalense. Ukuba ungumqhubi wesilisa omncinci, cela malunga nezaphulelo zamabakala amahle okanye imbali yengozi emfutshane-ezinye iinkampani zinikezela ukunciphisa i-premium kwinyanga nganye ezintandathu ongenazo ingozi.
Musa ukuthenga i-Minimum Minimum
Uphawu oluqinisekileyo kubagcini-bhankanyi ukuba uya kuba ngumqhubi mngcipheko uthenga ubuncinci obuncinane obufunekayo obunikwe ngurhulumente wakho. Ukuba wenza njalo, uya kubonwa njengomqhubi okhuselekileyo, kwaye uqhube umrhumo ngokugqithiseleyo ngexesha elide.
Ekugqibeleni, ukuhlukana kwezesini kwiimali-mali ze-inshurensi kuncinci kunomgca phakathi kwabaqhubi abakhuselekileyo nabakhuselekanga. Ukuba unobungqina bokuba ungumqhubi okhuselekileyo, uya kuhlawula ngaphantsi kwiiprayimari ekuhambeni kwexesha, kungakhathaliseki ukuba inani lama-chromosomes onayo.