Ukuphononongwa kweNqwelo-mali yoMshuwalense
Ukubhengezwa okhethiweyo kubaluleke kakhulu.
Ukuqonda ukukhutshwa kwakho kuyimfuneko. Akunakwenzeka ukulawula into ongaziqondiyo. Funda iindidi ezahlukeneyo zokunika ingxelo ukuze ukwazi ukwenza ezithile izigqibo ezenziwe zifundo.
Imilinganiselo yoxanduva : Imida yokunyaniseka ayifanele ishintshe rhoqo. Luhlobo lomqulu ohlala ubeka kwaye ulibale. Nangona kunjalo, ukuba uqalise ngesikhundla somgangatho osisigxina sombuso onokufuna ukucinga ngokunyusa umda wakho. Imida ekhethiweyo i $ 100,000 / $ 300,000. Ukuba iifayili zakho zidlulela ezilikhulu lamawaka eedola, kufuneka uqikelele ukwandisa ingxelo yakho ngakumbi. Eyona ngokwenene ikhangele ukukhulisa ingxelo yakho? Ukufumana ukhuseleko olungcono olukhoyo luya kufuna ukuthenga umgaqo- mboniso . Isambulela esisezantsi sinikeza iigidi eziyi-1 kwi-autos coverage ye-autos, ikhaya, amathoyizi kunye neempahla zokuqashisa.
Ukulimala okwenyama : Kukho into enokuyiqwalasela xa kuvela ukulimala komzimba kuzo zonke izithuthi zakho.
Ukulimala komzimba kubandakanya ukukhutshwa okubanzi kunye nokukhawulelana . Izinto ezibalulekileyo ezibalulekileyo ekufuneka uziqwalasele xa uhlola umgaqo-nkqubo wakho:
- Umngcipheko: Luphi na amathuba okuba isithuthi sakho sonakaliswe? Ewe, akukho mntu uyayazi xa kwenzeka ingozi, kodwa kuqikelele ukuzama nokusebenzisa ingqiqo ebonakalayo xa ubona ukufikelela kwakho. Ngaba uhlala kweli lizwe uze ubone intsanga imihla ngemihla? Ngaba izithuthi zihlala zifumana umonakalo kwindawo yokupaka? Ngaba unomqhubi osemtsha ochaphazelekayo ngokuqhuba nokulimaza isithuthi sakho? Cinga ngeziganeko ezahlukeneyo ozifumana rhoqo ukuze uncede ukuba wenze isigqibo sokuba ngaba umonakalo owenziwe ngumonakalo owenziwe ngumzimba uza kukunceda.
- Ixabiso: Ukususa ukukhutshwa komonakalo ngokomzimba kwimoto kaninzi kugqitywa ngokusekelwe kwixabiso lemoto. Njengoko imoto iyancipha, impikiswano yokugcina umonakalo owenziwe ngumonakalo owenyukayo unciphisa. Ngokomzekelo, ukuba imoto yakho ixabisa i-$ 2500 kwaye uhlawula i-$ 100 ngenyanga ukufumana i-inshurensi yemoto epheleleyo, kwiminyaka emibini uhlawule ngokukodwa inani leemoto zakho kwiimali-mali ze-inshorensi. Musa ukulibala nawe unedalucity for damage. Kunokwenzeka ukuba kule meko uza kuba ngcono ekukhuseni imali kwiindleko eziphezulu zomonakalo emzimbeni kwaye uhlawule umonakalo ovela ephaketheni xa kwenzeka ingozi.
- Ukuhlaziywa kwe-inshurensi yemoto yinto efanelekileyo yokubuyela kwakhona kwii-deductibles zakho. Izidumbu zokunciphisa izindleko zinciphisa indleko yomshuwalense wemoto. Ephakamileyo ukhethiweyo ukhetha, ixabiso lemali yomshuwalense wemoto. I-deductible yimalini yemali ovuma ukuyihlawula ngexesha lokulungisa emva kwengozi. Unokhetha iinqununu ezihlukileyo zokudibanisa kunye nokudibanisa. Mhlawumbi ukhangele ukugcina imali ethile kwaye ukwandisa ama-deductibles akho. Okanye, mhlawumbi ubusika kuza kwaye i-fund yakho yengxamiseko iphantsi kakhulu ngoko ufuna ukunciphisa i-deductible yakho nje xa usengozini xa uqhuba ngeendlela ezihambayo. Cela ummeli wakho we-inshurensi okanye ummeli wenkonzo yabathengi ukuba ukhethe amanani athathekayo ahlukeneyo kwaye akuxelele izinga elihambelanayo.
- Okongeziweyo: Ukongeza kwizinto ezimbalwa ezongezelelweyo kwi-inshurensi yemoto kuya kuba mnandi, kodwa kuluvo oluhle ukuhlaziya ezo zinto ezongezelelweyo ukuqinisekisa ukuba zenza ingqiqo. Ukuhlawula imoto, ukuxolelwa kwengozi, ukuxolelwa kwezinto ezincinane, ukukhutshwa kwezinto ezincinci kunye nezinye izinto ziyafumaneka kwiinkqubo ezininzi. Ukuphononongwa ngethuba elifanelekileyo lokufumana ukuba yeyiphi igalelo elikhoyo kunye nokuba libiza kangakanani.
Qinisekisa ukuba zonke izithuthi zibhalwe ngokufanelekileyo: Iziphoso zingenziwa ukongeza nokususa izithuthi ezisuka kumgaqo-nkqubo wakho. Njalo uhlolisise ukuqinisekisa ukuba izithuthi ezifanelekileyo zidweliswe. Ukuba ufumana impazamo, qiniseka ukuba wazise ummeli wakho we-inshurensi yemoto ngokukhawuleza.
Ukuphonononga onke amaZiphumo
Uluhlu olude lwezaphulelo ezinokwenzeka lufumaneka kwiinkampani ezininzi ze- inshurensi yemoto . Ngokuqhelekileyo unokufumana uluhlu lwezaphulelo ezinokwenzeka kunye nohlu lwezaphulelo ozifumanayo kwipakethi yakho yokuvuselela i-inshurensi yemoto .
Ngamanye amaxesha ungaziqinisekisi ukuba yintoni isaphulelo esithethayo. Ngokomzekelo, "isaphulelo sokubambisa" ngokubhekiselele kubhekisela ekubeni ilungu le-credit union kunye nolunye uhlobo lweqela loluntu. Ukuba awuqinisekanga ukuba yeyiphi isaphulelo, qiniseka ukuqhagamshelana nommeli womshuwalense womshuwalense okanye ummeli wenkonzo yamakhasimende ngencazelo.
Izaphulelo ezinkulu ukuqinisekisile ukuba ufumana ukuba uvumelekile
- I-Discount Discount : Phantse zonke iinkampani ze-inshorensi zisebenzisa i-credit score yakho njengesiseko sokulinganisela kwinqanaba le-inshurensi yemoto yakho. Ukuba ukholelwa ukuba amanqaku akho ekhredithi aphuculwe kutshanje, unokucela inkampani yakho yomshuwalense ukuba iphinde ibuyele amanqaku akho kwaye nayiphi na impembelelo enenzuzo kufuneka isetyenziswe kwinqanaba lakho le-inshorensi ngokukhawuleza. Vumela ummeli wakho womshuwalense we-inshurensi azi kwaye kufuneka akwazi ukukhangela kuyo.
- Ixabiso leMali-Multi-Car : Ukuba unesithuthi esingaphaya kwesinye se-insured nge-responsibility responsibility okanye ngaphezulu, uyafaneleka. Oku akusiyo isaphulelo esivambileyo, kodwa akunakwenzakalisa ukuyijonga kuphela xa kukho impazamo yekhompyutha.
- I-Discount Policy Discount : Esi saphulelo sininzi kwaye sinakunqandwa kaninzi kunokuba kufanele. Ummeli wakho we-inshorensi okanye ummeli kufuneka adibanise ngesandla lesi saphulelo ngelixa ungeze umgaqo-wesibini. Ukuba ufumana isaphulelo esilahlekileyo kwaye ngokwenene unemigaqo-nkqubo emininzi yenkampani ye-inshurensi efanayo, cela isaphulelo ukuba ubuyiselwe. Ukubuyiselwa kwakhona kuthetha ukuba uza kufumana isaphulelo emva komhla othe wathenge umgaqo-nkqubo wesibini kwaye kufuneka ufumane imali engaphezulu kwiindleko ze-inshorensi.
Ukuphononongwa kweMpilo
Izidingo zokufihla unyango zikwazi ukuguqulwa ngokukhawuleza ngezikhathi ezithile. Ukufumana umsebenzi omtsha kunye neenzuzo zonyango, ukulahlekelwa ngumsebenzi kunye nokulahlekelwa kwezibonelelo zakho kunokuchaphazela yakho inqwelo yomshuwalense wemoto. Ngamanye amaxesha nokuba umqeshi wakho okhoyo ucinga ukuba akafuni ukuba i-inshorensi yempilo yakho eyona nto ikhusele izingozi zeemoto kwaye kufuneka ufumane ukuthengwa ngomshuwalense wemoto yakho. Ingqiqo enhle yokwazi indlela umgaqo-nkqubo wakho usekwe ngayo, unobungozi obuninzi obuthathayo, nokuba ingaba unayo umntu onomntu ngamnye onokutsalwa kwiintlawulo zonyango.
Ngokomzekelo, ukuba unayo imali engama-$ 500 umntu onokutshatyalaliswa ngumntu ngamnye kwaye kukho abantu abane kwintsapho yakho yentsapho, ingozi yemoto enye ingakuhlawula i-$ 2000 ukuba wonke umntu akhatywe okanye nokuba yinto encinci. Ukungathethi ukuba kungenzeka ukuba umonakalo emzimbeni kwizithuthi zakho kunye neendleko. Ezi ndleko zingongezelela ngokukhawuleza kwaye ukuba ungenayo ingcamango yokuba ipolisi yakho isetyenziswe ngale ndlela inokutshatyalaliswa okukhulu kwiimeko ezixinzelelekileyo.
Ukuphonononga bonke abaqhubi
Kubalulekile ukuhlaziya abaqhubi kwimigaqo yomshuwalense wemoto yakho ngokuchaneka. Bonke abaqhubi abanxulumene nomntu ogunyazisiweyo ogqityiweyo, umnikazi womgaqo-nkqubo, kufuneka badweliswe njengomqhubi okanye umqhubi ngaphandle. Ezinye iimeko ziya kuvumela ilungu lentsapho ukuba libe nenqubomgomo yalo eyahlukeneyo kunye nomnye umphathiswa, kodwa ngokuqinisekileyo kuya kufuneka.
Yintoni Yokujonga
- Uninzi lwezinto ze-inshorensi, kodwa kungekhona zonke, zifuna intsha imvume ukuba ifakwe njengomqhubi. Kubalulekile ukuxoxa ngegosa lakho le-inshurensi yemoto.
- Ngaba uyayazi ukuba umqhubi angabandakanyi umvuzo? Ezinye iintlawulo ze-inshurensi zihlawulisa ngokufaka uluhlu lomqhubi njengoko kungabandakanywa nangona i-zero coverage inikezelwa ukuba umqhubi angabandakanyekanga uqhuba ngexesha leengozi. Ngokomzekelo, eMichigan, nangona umqhubi engabandakanyi ukuba uncedo lwakhe lwezokwelapha lugqitywa yimali engenamkhawulo wodola xa balimala njengomgibeli kwisithuthi. Ngoko ke, kunengqiqo ukuba umphathi we-inshurensi uza kuqokelela imali yokubonelela ngenkonzo. Ukuba umqhubi ongabandakanyiyo uphuma ekhaya lakho kwaye unemigaqo-yomshuwalense wemoto, qi
- Ukuphulwa kwezithuthi kuthintela abaqhubi ngabanye. Ukuba ithikithi isondele ukuphelelwa yisikhathi, ngokuphindaphindiweyo kwiminyaka emithathu emva kokuyifumana, jonga ngokukhawuleza umhla wokuhlaziywa kwakho. Ngamanye amaxesha ukuba ithikithi yakho iyanqamuka ngokukhawuleza emva kokuba umgaqo-nkqubo uphinde uvuselele, unokwenza ukuba umgaqo-nkqubo wakho ubhalwe kwakhona nge-carrier okanye uguqule ababoneleli nge-inshurensi yemoto ukufumana isantya esingaphantsi. Kwakhona, thetha nommeli wakho womshuwalense we-inshurensi ukuba uqonde ngokupheleleyo ukuba yeyiphi indlela ongakhetha ngayo.
Ukubaluleka kweengxelo ze-Car Insurance rhoqo
Ukuhlaziywa kwe-inshurensi yemoto akuyona nje into efanelekileyo yokugcina imali. Ingakuqinisekisa kwakhona ukuba ufunyenwe kakuhle ngexesha lengozi. Ingozi yemoto ingonakalisa yedwa. Ukufumanisa ukuba awunakutyalwa xa ucinga ukuba unguye into ongazifuni ukuyenza. Ukuthatha uxanduva oluthile kwaye uhlolisise umgaqo-nkqubo wakho kunokukugcina kwintlekele.
Ukuphonononga iziBhengezo zakho Page Ukuhlaziywa
Ininzi nkqubo ivuselela zonke iinyanga ezintandathu. Iipakethi yolwazi lithunyelwa ngeposi okanye mhlawumbi lithunyelwe nge-imeyile ukuba ubhale umgaqo-nkqubo kunye neenkcazo. Kuzo zonke iphepha, iphepha lakho lokubhengezwa libaluleke kakhulu. Kuya kuba nayo yonke inkcazelo yakho iboniswe ngethemba lokuba kulula ukufunda. Njalo xa ufumana i-inshurensi yemoto yakho yokuhlaziywa yiphonononga iiphoso kwaye uyisebenzise njengesikhumbuzo sakho sokhetho. Musa ukubamba ubungqina bakho bomshuwalense uze uphonye konke ngaphandle kwengcamango. Inqwelo yomshuwalense ibalulekile yaye kubalulekile ukuba ube nechanekileyo kokubhaliweyo nakwingqondo yakho.