Qala ngokwazi zonke iindlela zokuthenga i-inshurensi yemoto. Emva koko ulinganise iinzuzo ngamnye. Ekugqibeleni, hamba lakho nesisu.
Inqwelo yomshuwalense ibaluleke kakhulu kwaye ufuna ukuqinisekiswa ukuba i-coverage icacisiwe ngexesha lokuthenga. Nantsi ingqwalasela kwimithombo emithathu yomshuwalense wemoto kunye neenzuzo zokuba ne-arhente.
Imithombo Emithathu Yomshuwalense Wemoto
- I-Agent Agent: Igosa elithunjiweyo i-arhente elithengisa umthumeli we-inshurensi oyintloko. La ma-agent awayiyo kuphela i-proprietors. Ba sebenza ngqo kwiinkampani zomshuwalense. Uxanduva lommeli othunjiweyo kukubeka ishishini kunye nomphathiswa otyunjweyo. Ezinye zezona zithuthi ezinkulu ze- inshorensi ezifana neFama yeFama , i-Allstate, kunye nelizwe lonke isebenzisa amaziko athinjwa. Amaziko angama-awa amabini anesine eenkonzo zamakhasimende atholakala kwiinkampani ezininzi kodwa i-arhente isebenza ngokubanzi kwiimfuno zabaxhasi ngqo.
- Ummeli ozimeleyo : I-arhente ezizimeleyo yi-arhente ethengisa i-inshurensi ngokusebenzisa abathwali abaninzi. Nangona igosa elizimeleyo lingathengisa ngokukodwa umqhubi omnye, banakho ukukwazi ukubeka ibhankanye nabanye abathwali ukuba kuxhamla umxhasi. Iinjongene ezizimeleyo zisebenza ngokuthe ngqo kwindinyana yabathengi, ukuvumela uphando olubanzi lwababathwali kwicandelo elinye. Abanye abathwali bomshuwalense abasebenzisa abameli abazimeleyo baquka ii-Auto-Owners, Abemi kunye neHastings Mutual. Amaziko angama-awa amabini anesine eenkonzo zamakhasimende atholakala kwiinkampani ezininzi kodwa i-arhente isebenza ngokubanzi kwiimfuno zabaxhasi ngqo.
- I-intanethi ngokuthe ngqo : Ukuthenga ngokuthe ngqo kuthetha ukuba akukho nxi nxaxheba echaphazelekayo kwinkqubo yomshuwalense. Umxhasi uninzi lomsebenzi ngokufaka zonke iinkcukacha ezifanelekileyo kwi-intanethi. Ezinye iinkampani ezinkulu ze-inshurensi kwi-intanethi ziquka i-Geico, i- Progressive , ne-Esurance.
Izinzuzo zokuba neAgent
- Inkonzo eyenziwe ngokwezifiso : Inkonzo eyenziwe ngabanye yinto eninzi abantu abajongeyo kwishishini lomshuwalense. Ngeenkonzo ezininzi ezenziwe ngokuzenzekelayo, ziphefumlelwe umoya omtsha ukubona ubuso obomomothekayo, okanye ngokwenene ufumana umntu kwivesi yeefowuni uzama ukukhawuleza indlela yakho ngokusebenzisa i-voice prompts. Imibuzo emininzi, ukugcinwa, kunye ne-inshorensi yemoto yengqonge. Ukuba ne-arhente yinto enhle ngenxa yokuba unako ukuthetha rhoqo nomntu ofanayo owakha ulwalamano oluqinileyo nabameli bamakhasimende amaninzi.
- Ukwazi Indawo Yakho: Ukuba ne-ejenti yendawo eyazi indawo yakho nayo inzuzo. I-arhente inokubambisana nawe nalapho uhlala khona. Ukuba unabango , ummeli we- inshorensi uyazi iitars ezilungileyo zomzimba kunye neenkampani zeglasi ukucebisa kwindawo yakho.
- Iintlawulo zokuhlawula imali: I- Cash iyangqongqo, kodwa kubantu abangenakukunikela, ii-arhente ezininzi ziyakwamkela iintlawulo zemali.
- I-Discount Policy-Multi-policy : I-perk enkulu yokuba nayo yonke inshorensi yakho kunye ne-agent yiyona nto isaphulelo somgaqo-nkqubo. Uninzi lwababathwali bee-inshurensi banikela ngemveliso nge-arhente zibandakanya imoto, ikhaya, kunye neenkonzo zezemali xa zidibeneyo zithola isaphulelo semigaqo-nkqubo. Uninzi lweenkampani ze-intanethi azinakanikezela ngemveliso yekhaya okanye yezemali ukunciphisa izaphulelo zakho.
Iinzuzo zokuthenga ngokuthe ngqo
- Ukuhamba ngokukhawuleza kwi-Intanethi: Ukuthenga i-inshurensi yemoto ngokukhawuleza kukukhawuleza kwaye kulula. Naluphi na imini okanye ubusuku, ungaya kwi-intanethi uze usebenzise icatshulwa sakho . Ngokuqinisekileyo ixesha elisebenzayo ukususela ekubeni unommeli kufuneka unikele lonke ulwazi lwakho lomntu kwaye ngokuqhelekileyo ulinde ukubuyiswa kwakhona kweefowuni. Ukuba ukhawuleza, ukuthenga ngokuthe ngqo i- inshorensi yakho kwindlela enhle yokuhamba.
- Ukusindisa amathuba : Kunokwenzeka ukuba ufumane isantya esezantsi xa uthenge i-inshurensi yemoto ngqo. Ekubeni abathwali abathintelayo abazihlawuli ikhomishina yekhomishana, ngokuqinisekileyo ukugcinwa kwithengi kumthengi. Omnye umthumeli we-inshurensi awunakuze ube ngumntu oyedwa okanye othe wabiza wonke umntu. Uza kufuneka uyenze uphando lwakho kuloluphi umphathiswa olonaxabiso elincinci kwiimeko zakho ezichanekileyo.
I-inshorensi ayisisigunyaziso ngeteknoloji yanamhlanje. Kukho ukhetho oluthile kwindlela othanda ukwenza ngayo ishishini nokuba ufuna i-arhente okanye cha. Ukuba ukhululekile ngegama lomshuwalense kwaye uqonde ngokupheleleyo umgaqo-nkqubo wakho, i-arhente yinto ekhethiweyo. Inketho ehlakaniphile kukuba uthengise ngexabiso elincinci , inkonzo enomngcipheko, kunye nomthengisi olungele ukuphila kwakho.