Ingaba I-My Insurance Insurance Rates iya kwanda emva kweTikiti okanye kwiNgehlakalo?
Ufumana izicaphuno ze-inshurensi yemoto kwaye uzama ukufumana ixabiso elifanelekileyo kwi-inshorensi. Ufumana inqaku elikhulu elinokuhlawulekayo kwaye unikezela zonke iinketho zomgaqo ozifunayo; kodwa ke inkampani yomshuwalense ibuya kwaye ikuxelela ukuba indleko ye-premium yomshuwalense ingaphezu kokuba uqale ucatshulwe. Kweneke ntoni? Kungenzeka ngenxa yeengxelo ze- inshorensi .
Iingqinisiso zamanqaku amachiza aphulwayo ngokuhlolwa kwerekhodi yakho yokuqhuba ngesebe lakho likarhulumente malunga nokuphulwa kwezithuthi kunye / okanye izingozi zengozi. Inani lamanqaku afakwe kwilayisenisi yakho yokuqhuba isenzo iyahlukana noburhulumente. Iinkampani ezininzi ze-inshorensi ziya kujonga irekhodi lakho lokuqhuba umbane ngaphambi kokugqiba ukucaphulwa kwe-inshorensi yakho okanye mhlawumbi emva kokuba uthenge umgaqo-nkqubo wemoto. Kwimeko yokugqibela, ukuba irekhodi lakho lokuqhuba isithuthi kwiSebe lakho likarhulumente liya kubuya libonisa ithikithi / izingozi ezingazange zenze ingxelo ekuqaleni kwenkqubo yakho yomshuwalense, iirhafu ze-inshurensi yakho ingaba ziphezulu kakhulu kunexabiso eliyicatshulwa yinkampani yomshuwalense.
Izinto Ezifanele Uzazi Ngama-Points Points
Ngoko ke, sebenzisa ngokunyamekela kwakho kwaye ufunde kabanzi ngezinto ezinokunyusa ukunyuswa kwepumm premium yomshuwalense, kuquka ezi zinto ezili-10 omele uziyo ngamaphuzu e-inshorensi .
- Akunjalo onke amathikithi okanye izingozi eziphelile kwirekhodi yakho yokuqhuba . Ukuqhuba amatyala kunokuhamba okanye ukungaphumeleli. Amaninzi amaninzi, ukuphulwa kokuqala, ukuphulwa okungahambiyo akuyi kugcina kwirekhodi yakho yokuqhuba. Ukungaphumeleli kokungahambiyo izinto ezifana nokungabhinqanga ibhande okanye ukuhluleka ukuvelisa ubungqina bomshuwalense xa umisiwe. Kwakhona, kukho njalo ithuba lokuba isebe lepolisa lingenako ukubika ukuphulwa kwesebe lezithuthi, ngakumbi kwiimeko zokuqala. Ewe, akunakuze uqiniseke oku ngaphandle kokujonga irekhodi lakho lokuqhuba.
- Akubona bonke abasebenzisa le nkqubo . Nangona amaninzi amazwe asebenzisa inkqubo yenkcazo ukulandelela ukuphulwa kwirekhodi yakho yokuqhuba, kungekhona bonke abakwenzayo. Ngoko, amathuba kukuba, ukuba uhlala kwimeko engasisebenzisi inkqubo yenkcazelo, irekhodi lakho lokushayela alinakubonakalisa ukuphulwa. Kukho amaxesha asithoba anokuthi ayisebenzisi inkqubo yendlela, kuquka iHawaii, iKansas, eLouasana, eMinnesota, eMosissippi, e-Oregon, e-Rhode Island, eWashington nase- Wyoming . Nangona kunjalo, ngenxa yokuba unganikezelwa ngamaphupha ngokubhekiselele kwiirekhodi lakho lokuqhuba umbane akuthethi ukuba ukuphulwa kwezinto zokuqhuba ukuqhutyelwa kwezinto eziqhutywayo. Ezi zibeka esweni ulwaphulo lwakho lokuqhuba kwaye xa uqhubeka uqokelela amatyala, ilayisenisi yakho iya kugqitywa.
- Amaphuzu elayisenisi yomqhubi kunye namaphuzu e-inshorensi ayilona nto into efanayo . Ukuba awuqinisekanga malunga nexabiso lentengo yomshuwalense we-auto, cela ummeli we-inshurensi ngaphezulu malunga nawaphi amanqaku ahlawulwayo kwi-quote yakho yomshuwalense kunye nendlela okuchaphazela ngayo i-premium. Unokuhlawuliswa ngeengxelo ze-inshorensi ezihlolwe yinkampani ye-inshorensi ngokwalo kunokuba iindawo ezihlawuliswe kwilayisenisi yakho yokuqhuba. Unokuhlawula eyongezelelweyo nge-inshurensi yemoto esekelwe apho uhlala khona, uhlobo lwenqwelo oqhubayo okanye ye-auto inshuwalense yangaphambili.
- Unokwazi ukususa amanqaku e-inshorensi kwirekhodi yakho yokuqhuba ngokuya kwikhosi efanelekileyo yokuqhuba . Ezi zifundo ngokubanzi zifundisa iindlela zokuphepha kwezithuthi. Kwezinye iimeko, ukuthatha ikhosi evunyiweyo kunokugcina ityala lokukhutshwa kwirekhodi yakho yokuqhuba. Oku kukhethwa ngamanye amaxesha kwinkundla yesithuthi kwaye kuyindlela efanelekileyo yokugcina iqondo lakho le-inshurensi ye-auto likhula.
- Kufuneka uwazi irekhodi lakho lokuqhuba umkhosi ngaphambi kokuthenga umgaqo-mgaqo-nkqubo . Umgangatho ogqwesileyo kukuba ukwazi ukuba ingxelo yakho ye-MVR (Motor Vehicle Record) ibonisa ngaphambi kokuba uzame ukuthenga ipolisi yomshuwalense okanye ukutshintsha iinkampani zomshuwalense. Kunokwenzeka ukuba naliphi na umkhupha umshwalense uza kukhangela irekhodi lakho lokuqhuba. Ukuba awufumaneki nawaphi na amathikithi okanye izingozi kwirekhodi yakho yokuqhuba, i-quote yakho yomshuwalense we-auto ayiyi kuchaneka kwaye isantya iya kunyuka xa umgcini-mali uya kufaka ingxelo yakho ye-MVR. Ukuba awuqinisekanga ukuba zeziphi iilaphu ezibhalwe kwirekhodi yakho yokuqhuba, unokufumana ikopi kwiofisi yakho yoNobhala kaRhulumente ngenkokhelo encinci. Imirhumo iyahluka ukusuka kummandla ukuya kwimeko. Ezinye iinkonzo ze-intanethi zinikezela nokufikelela kwingxelo yakho ye-MVR, kodwa ngenxa yemali ephezulu.
- Amathikiti kunye neengozi azizona zinto kuphela ezinokwandisa i-premium yomshuwalense we-auto . Ukuba uqaphela ukunyuka kwe-inshurensi yomshuwalense kwi-premium, umgwebi unokuba yinto enye ngaphandle kweengongoma ezichasene nerekhodi yakho yokuqhuba. Ukuba unesityala esilungileyo, abaninzi bomshuwalense wezithuthi baya kuhlawula i-premium ephezulu. Kwakhona, ukuba usanda kutshintshwa, indawo yakho inokuthi ithathelwe ingqalelo "ingozi enkulu" ithetha ukuba kukho ezinye izithuthi kunye nezingozi ezenzeka. Ukutshintsha iinqwelo kunokukwenza ukwenyuka kwe-premium yomshuwalense we-auto. Ezi zithuthi zibiza iindleko ezininzi: iinqwelo zemoto , iimoto zezemidlalo , iinguqu eziguqukayo , izithuthi eziqhuba kakubi kwiimvavanyo zokhuseleko kunye neenqwelo-moya ezine-turbo-charge .
- Ezinye iintlobo zokwephulwa ngokuqinisekileyo ziya kwandisa inani lakho le-inshurensi yemoto . Ukuphulwa okukhulu kunikwe ingxelo kwiSebe lezithuthi kuya kuboniswa kwirekhodi yakho yokuqhuba. Ezinye zezophulo ezinkulu zibandakanya ukugijima, i- DUI okanye ukuqhuba kakubi ukuqhuba , ukuqhuba ngokungahambi kakuhle , ukukhanyela ukuvavanya ukuphefumula kwe-DUI, ukushaya nokusebenza (ukungaphumeleli ukuyeka), ukubaleka kwamapolisa okanye ukuqhuba ngokuqhuba ilayisensi . Ukuba ugqiba ukuphulwa kwezinto ezininzi, umshwalense wakho wemoto unokulahla ukukhutshwa kwakho. Ukuba oko kwenzeka, unokuthi uthathwa njengomqhubi ophezulu okhuselekileyo kwaye uyakwazi ukuthenga i-inshurensi ye-auto yengozi enkulu evela kumphathisi-nto owanikezelayo. Laba bhaki-bhorensi bafumana kwakhona imfuneko ye-SR-22 ukuba kufuneka uyifake kunye nelizwe lakho.
- Kukho ukuphulwa okungekho nto ekuchaphazela ngayo irhafu yakho yomshuwalense . Ngokwephulo lokuqala, ukuphulwa okuncinci okungahambiyo kungabonakali kwirekhodi yakho yokuqhuba okanye kuthintele ireyithi yakho yomshuwalense. Nangona kunjalo, ukuba uhlala ufumana amathikithi amaninzi nakwezophulo ezincinane, ekugqibeleni ungagqitywa ngamaphupha kwilayisenisi yakho yokuqhuba. Ezinye zezophulo ezincinane zibandakanya: ibhande lokhuseleko okanye isihlalo somntwana , ukungaphumeleli, ukukhawulezisa, ukudlula okanye ukuguquka okungafanelekanga , ukudlula ibhasi yesikolo, ukuphela kweelayisensi yomqhubi, akukho bu bungqina bomshuwalense, izibane zomsila eziphukile, ukungabonakali kweelayisenisi, ukuphulwa kwepaki, ukuphulwa komsindo, ukuphulwa kobhaliso, ukungaphumeleli kubonakala ukuphulwa, ukuthumela imiyalezo okanye ukulandela ngokuthe ngqo .
- Kunzima ukufumanisa ukuba i-premium yakho yomshuwalense iya kwanda kangakanani . Akukho ndlela yokuxelela ukuba ingakanani i-premium yakho yomshuwalense iza kwanda emva kokuba ithikithi okanye ingozi ibikwe kwirekhodi yakho yokuqhuba. Yonke inkampani yomshuwalense inomsebenzi wayo wokubala amanqaku e-inshorensi kunye nokuba mangakanani amanqaku aya kukwandisa iqondo lakho le-inshurensi yemoto. Ukuba unenkampani yomshuwalense enikezela ukuxolelwa ngengozi , iirhafu zakho azikwazi ukunyuka emva kwakho kwingozi yakho yokuqala.
- Inkohlakalo enkulu inokuchaphazela izinga le-inshurensi yakho ukuya kwiminyaka eyi-10 . Isixa sithuba sokuqhubekiswa kwecala siya kuhlala kwirekhodi yakho yokuqhuba ihamba ngohlobo. Ngenxa yeziphene ezinkulu ezifana ne-DUI, abaqinisekisi bemoto bangabheka irekhodi lakho kude kube yiminyaka eyi-10. Ngolunye ulwaphulaphulo, inkampani yomshuwalense ingaqwalasela kuphela irekhodi lakho lokuqhuba iminyaka emithathu edlulileyo. Ukuba awuqinisekanga, kufuneka ucele ummeleli weenkampani ukuba achaze ukuba iindishuwu zee-inshorensi zisetyenziselwa ukubala iirhafu zomshuwalense.
Nazi iindlela zakho
Okokuqala, xa uthengisa i-inshurensi yomshuwalense, kufuneka ufumane ikopi yakho yokurekhoda ukuhamba kwi- DMV yakho (isebe lezithuthi) . Hlola kwakhona irekhodi yakho kwaye ukuba unamathikithi / izingozi kwirekhodi yakho yokuqhuba, jongana neentlawulo ezifanelekileyo. Iifayili zomshuwalense ngokuzenzekelayo njenge-Compare.com , CoverHound , NetQuote , okanye i-Insure.com inokunceda kule nkqubo.
Ngaphambi kokwenza ukhetho lokugqibela kwi-insurer yakho, ihlawula ukujonga irekhodi lenkonzo yabathengi yenkampani ye-inshorensi kwimibutho yabathengi njengeJD Power & Associates kunye nokulinganiswa kwamandla ayo ngokwemali ye- inshorensi njenge- AM Best .
Ihlawulela ukunyaniseka kwisicelo sakho se-inshorensi kuba inkampani ye-inshorensi iya kujonga irekhodi lakho lokushayela ngokukhawuleza okanye emva koko uza kuhlawulwa i-premium ehambelana nokuphulwa kwezinto eziqhutywayo. Thatha iklasi yokuqhuba ukuba kunokwenzeka ukususa ezinye zezophulo kwaye wenze konke okusemandleni akho ukuhlala ithikiti kunye nengozi. Emva kwexesha elithile, ukuphulwa kuya kwehla kwirekhodi yakho yokuqhuba kwaye i-premium yakho yomshuwalense yomshuwalense iya kuhla.