Indlela yokuqeshisa imoto eyisebenzisiweyo

by Emily Delbridge

Ukwenza ukuthenga imoto kudinga oko kubonakala ngathi kuyinxalenye yezigqibo ezingapheliyo. Zininzi iindlela ezinokunyanzelisa inkqubo yokuthenga imoto. Ukugqiba ukuqeshisa imoto esetyenziswayo isigqibo esikhulu kodwa kunokukwenza izithuthi ungazange ucinge ukuba kungenzeka, kwenzeka.

01 Ukuqonda ukuqeshisa imoto

Xa uqeshisa isithuthi ukhetha ukwenza intlawulo ngonaphakade. Intlawulo yakho yemoto iya kuba yinxalenye yebhajethi yakho ngokuzeleyo uze ukhethe ukungabikho kuqeshiso. Kutheni umntu efuna ukuhlawula imoto ngonaphakade? Unokucinga njengokuba uhlawula imboleko okanye imoto yokubhaliselwa. Uyiqhubela iminyaka emibini uze uyithengise kwimodeli entsha okanye imodeli eyahlukileyo.

Iimveliso zoqeshiso lwemoto elisetyenzisiweyo

Ukuthintela i-Luxury Car Imfuneko ngokuqhelekileyo ayiyi kuba nefuthe : Ngaba amehlo akho asele kwi-Audi okanye eLexus? Imoto engama-40k okanye i-50k ingafaneleki kwi-bhajethi yakho kodwa ukuqeshisa kunokukwenza ukuba kwenzeke. Ukuqeshiswa kwemoto kuyona nto ibhetele kwizithuthi ezigcina ixabiso. Iinqwelo eziphezulu ezisetyenziselwa ukuqeshisa. IiRange Rovers kunye neMercedes-Benz kunye nezinye iimpahla zokunethezeka zihlala zibamba ixabiso layo elenza iqeshiso lulungiselelo olufanelekileyo.
Ukurhweba ngokukhawuleza ukuba kuphuculwe ngaphandle kweNdawo yokuThengisa : Umthwalo wokuthengisa imoto uyinyani. Ukufumana umthengi kwaye uthetha intengo yintsiphelo abaninzi abafuna ukunqumla. Uninzi lwabantu nje luyithengisa kumthengisi ohlala eshiya utshintsho olufutshane. Iqeshiso yenza ukuba inkqubo ibe lula kuba iigqibo zagqitywa ngexesha lokuthenga.
Fumana ukuqeshiswa okufutshane: Ukubhalisela ukutshintsha kweqeshiso kuthetha ukuba ufumana ukuqeshisa phakathi kwexesha lokuqeshisa. Ubude bokuqeshisa bunokuba yiminyaka emibini, unyaka omnye kwaye mhlawumbi ube mfutshane. Oku kunokuba ngumsebenzi xa ufuna nje ukuzama ukwenza kunye nomzekelo okanye ufuna kuphela isithuthi ixesha elifutshane.

Umxhelo woqeshiso lweeTekisi ezisetyenzisiweyo

Iimoto ezindala zinemiba engakumbi : Sonke siyazi ukuba imoto ayisebenzanga kangcono ngeminyaka. Ukuqeshisa imoto esetyenzisiweyo kuthetha ukuba sele sele ihamba ngamamayela kuyo. Ezinye zezinto zokuqala ezihambayo kwi-vehicle yokuguga ziyi-electronic car and zingaqala ukwenza izandi kunye nokuvuza.
Imali yokufumana: Ukuba uyithenga kwindawo yeshishini yokuqeshisa okanye umthengisi mhlawumbi umrhumo wokuthenga ukuthabatha ukuqeshisa. Kungenzeka ukuba ufumane isikhungo sezemali esingayifumani intlawulo kodwa ininzi ihlawulise imali engama- $ 600.
Iimpawu eziMali Ziyongeze ngakumbi : I-Bumper ukufumana iimvume zemigangatho iyona nto ibhetele kodwa ingaba nzima ukufumana izithuthi ezindala.
Kunzima ukuzimisela oko ixabiso lexesha elizayo liya kuba njenge-Ages Ages : Iindleko zokuqeshisa ngokuqhelekileyo zixhomekeke kwixabiso eliqikelelweyo lezithuthi xa libuyiselwa kulo. Ukuchonga ukuba yeyiphi inamba iya kuba, kunzima kunjengexesha lemoto. Ngenxa yoko, kunokwenzeka ukuba isithuthi silinganiselwa kwixabiso elincinane kwaye unamathela ukuhlawula umahluko.

02 Yazi apho Ufuna Ukuqeshiswa Kweemoto Zasetyenzisiweyo

Hamba Ngomthengisi

Abathengisi beemoto eziphakamileyo behlala beza kwenza iikhontrakthi zokuqeshisa kwizithuthi ezisetyenziswayo. Funa okukhethiweyo wenze kunye nomzekelo kwaye ubuze ukuba indawo yokuqeshisa iyatholakala kwizinto ezikufaneleyo. Abantu abaninzi abaqapheli ukuqeshiswa kweenqwelo-mafutha esetyenziswayo, qiniseka ukuyibuza. Akuqhelekanga ukuqeshisa imoto eqhelekileyo esetyenziswayo. Akusenzi buhlungu ukubuza malunga neendlela ezinokwenzeka.

Ukuqeshisa i-Swaps Swaps

Ukufumana iseshishini esetyenzisiweyo okanye ukulahla yakho yangoku akuzange kube lula. Iiwebhusayithi ezimbalwa zibeka zonke izinto kuwe kwaye zenza uninzi lomsebenzi. Bonke beyona nto ibhetele kodwa ndiya kukuvumela ukuba wenze isigqibo. Iiwebhusayithi eziphambili zokungena kwi-intanethi ziquka:

I-SwapALease.com inezithuthi ezingaphezulu kweebhiliyoni ezi-3 ezidweliswe ukwenza ukuba isithuthi esipheleleyo sibe yinto enokwenzeka. Liyindawo ekhangelekayo yanamhlanje kwaye inika ezinye iinkonzo ukukunceda kwinkqubo yokutshintshwa njengababalawuli bokuqeshisa kunye nokuhlolwa kweenqwelo.
LeaseTrader.com Ngokuqinisekileyo inkokheli kwishishini. Khangela ngeklasi okanye kwiitshini ezishisayo zokufumana imoto yamaphupha akho.
LeaseQuit.com Yindawo ehlelwe kakuhle kunye nemiyalelo yesinyathelo kunye nesinyathelo malunga nendlela le nkqubo isebenza ngayo.

Ukuthabatha indawo yokuqeshisa umntu kungenza umqondo omkhulu. Ingakufaka kwimoto ongenakho ukukwazi ukuthenga ukuthenga. Iyakwazi ukuxeka ukuba ingaba i-lease ingcinga efanelekileyo ekuhambeni kwexesha, kodwa ngokwenene iyona khetho. Ukukwazi ukuthatha indawo yokuqeshiswa komnye umntu kuvula amathuba amasha kwaye kwenza ukuba akufuneki ukuba ube phantsi kwekhontrakthi yexesha elide elinjalo njengesiqeshiso semveli.

03 Xoxani ngeNtsebenzo engcono

Akubuhlungu Ukubuza

Ukuqeshisa imoto kuthethwa ngokuthintana nje nokuthenga imoto entsha. Ukuba ufumana isithuthi kumthengisi, yenza uphando oluncinane kwisithuthi othengayo. Khangela ukuba unokufumana into efanayo kunye nemodeli emine iminyaka emihlanu okanye iminyaka emi-5 ubudala okanye engcono kodwa ubude bokuqeshisa ukuba ubone ukuba ixabiso lini okwangoku. Kuya kukunika uqikelelo olulungileyo lwenkokhiso yakho iya kulungela xa kuqeshiswa ukuqeshisa kwakho. Thatha ixabiso langoku le sithuthi ofuna ukuqeshisa ngaphandle kokuba uthini ukuba ixabiso liya kuba sekupheleni kokuqeshisa. Hlukanisa ngeenani leenyanga zokuqeshisa kwakho kwaye kufuneka kukunike ingcamango yokuba yintoni intlawulo yenyanga.

Ukuthatha Ukuqeshisa

Abadayisi bahlala bekhuthaza abantu ukuba bathathe indawo yokuqeshisa kwabo. Akumangalisi ukucela ngaphezulu. Cela isicelo sokuqala okanye yesibini kunye nentlawulo yesibini ekufuneka uyihlawulwe xa uthatha ukuqeshisa. Ngokuqhelekileyo umthengisi ufuna ukuphuma kwintsebenziswano kangangokuthi baya kuvuyela ngokukhawuleza.

04 Thenga iWarranty Best

Iziqinisekiso zihlala zibalulekile. Xa kusayina idibanisa kwiqashiso lokuqeshisa imoto kubaluleke kakhulu. Izinto ezininzi zihamba ngokungahambi kakuhle kunye nesithuthi kwaye nangona ungenayo isithuthi ngokuqinisekileyo usenomsebenzi wokulungisa zonke iingxaki. I-bumper yokufumana iwaranti ingena kwizithuthi ezisetyenziswayo kakhulu. Njalo ubuze malunga newaranti ukwenzela ukuba uyazi ukuba uyayisayina nini xa uqeshisa isithuthi.

05 Qinisekisa ukuqeshisa kwakho

Enoba uyavuma ukuqeshisa imoto esetyenziswayo okanye ukuqeshisa imoto entsha, kufuneka uqiniseke. I-inshurensi yemoto iyadingeka phantse onke amazwe. Urhulumente uya kubeka umda wexabiso elincinci le-inshorensi elifunekayo ngumthetho, kodwa inkampani yokuqeshisa idla phantse idinga ukukhutshwa ngokubanzi.

Imida yokuXanduva : Kuqhelekileyo ukuba amazwe afune i-25,000 / 50,000 imingcele yemfanelo. Nangona kunjalo, unokufumana inkampani yokuqeshisa idinga imida eyi-100,000 / 300,000. Ngokusayina isivumelwano sokuqeshisa, uyavuma iimfuno ze-inshurensi yemoto.

Umbandela opheleleyo : Ukukhuselwa komonakalo okwenyama ngokuqinisekileyo akusiyo kuphela into enomdla kodwa kunomdla onqabileyo. Ukhuselo olubanzi lukhusela naluphi na uhlobo lomonakalo ongokwenyama ngaphandle kokubambana. Ukubetha isilwanyana, umonakalo wesiqhumane, umlilo, ubusela, ukutshabalalisa, ukulimala kwemimoya, kunye nokunye konke kuhlanganiswe ngokubanzi.

Umgca wokuBambisana : Ukubetha nayiphi na into engaphiliyo ithathwa njengengqamaniso. Buyela kwiibhokisi leposi okanye igalaji kukudibanisa. Ukubetha umzila wokulinda umgca. Ukubetha esinye isithuthi kukwahlukana. Ukubambisana ngokubambisana kudla ngokufunekayo rhoqo kwinkampani yakho yokuqeshisa. Bafuna ukuqinisekisa ukuba udibaniso lwabo lulungiswe ngokupheleleyo emva kwengozi.

Iingxowa-mali : Iinkampani zokuqeshisa nazo ziyakuchaza nantoni echithwayo oyifunayo. Abafuni ukuhluthwa phezulu ngenxa yokuba kunciphisa amathuba okufumana isithuthi esilungisiwe. Cwangcisa ama-deductibles ama-$ 500, abaninzi abavumeli i-$ 1000 nangaphezulu.

I-inshurensi yamaThathu : Ukuhluleka ukuthenga i-coverage eyaneleyo kwaye baya kuthatha ipolisi yomshuwalense wenkampani yesithathu. Umgaqo-nkqubo wesithathu ufihla imoto yakho ngenxa yokulimala komzimba kodwa kungekhona uxanduva okanye iindleko zonyango. Iindleko zihlala ziphezulu kakhulu kunokuthenga umgaqo-nkqubo wendabuko. Ikampani yokuqeshisa iya kuthumela i-bill ye-coverage.

Inkampani Yenqashiso Iyazi Njani Ngomshwalense Womshuwalense Wakho?

Uya kufuneka ukuba ungeze inkampani yokuqeshisa kumgaqo-nkqubo wakho njengentlawulo yokulahlekelwa kunye ne- insured eyongezelelweyo . Ikampani yokuqeshisa inesithuthi. Bawugcoba kuwe ixesha elithile lexabiso lemali. Ukuba kukho into eyenzekayo kwisithuthi abafuna ukwazi ngayo. Ukuba kukho utshintsho kwinkqubo yomshuwalense wemoto, bafuna ukwazi ngako. Ukubongeza kwipolisi njengoko i-loss payee yenza ukuba zonke iinguqu zithunyelwe ngeposi kunye nenkampani yokuqeshisa. Ukubongeza kwabo njenge-insured eyongezelelweyo kuya kwenza ukuba onke amashishini afune ukuhlola ayenzelwe kokubili kunye nenkampani yokuqeshisa.

Kulula kakhulu ukongeza i-loss loss and additional insured. Konke okufunekayo kukubonelela ngeedilesi ezichanekileyo inkampani yakho yokuqeshisa iqeshwe kwi-agent yomshuwalense womshuwalense. Ukuba le nyathelo ayenziwanga okanye ingenzi kakuhle, inkampani yokuqeshisa iza kukuxelela kwaye ukuba ingahlaziywa bayakuthenga i-inshurensi yemoto yomsithathu.