Ukuzikhusela Ngolwazi Ukuncedisa I-Premium yakho ye-Intshurensi ye-Auto
Ngezantsi kwezi zizathu ezi-10 onokungazi malunga nokuba oko kunokubangela ukuba ukhokhe ngaphezulu nge- inshurensi yemoto . Thatha oku kuqwalasela kwaye ungayifumana iindlela zokugcina ngaphezulu nakwi-premium yomshuwalense we-auto. Ukukunceda wenze isigqibo sokugqibela ekufumaneni ixabiso elifanelekileyo kwi dollar yakho ye-inshorensi ; inokukunceda nokusebenzisa ii-intanethi ezifana ne- NetQuote , CoverHound , Insure.com , Insweb.com kunye nezinye ezininzi.
# 1 Uqeshisa Kunokuba Ube Nomntu Wakho
Inokumangaliswa ukuba uyazi ukuba abanini-mboleko bahlawula ngaphezulu kwe-inshurensi yemoto ngokulinganayo kunabanikazi basekhaya ngokumalunga nama-6 ekhulwini ngokuvumelana neNgxelo yabathengi yaseMelika. Iinkampani ezahlukeneyo ze-inshurensi yemoto zineenkomfa zabo zokubala amaxabiso kwaye akuyiyo yonke into ehlawulisa abarenti, ngoko ke ihlawula ukuba ukhangele oku ngaphambi kokuba uthenge i-inshurensi yemoto. Unokubuza ngokuthe ngqo ukuba uhlawuliswa i-premium ephakamileyo kuba ungenayo ikhaya.
Ukuba impendulo nguwewe, mhlawumbi uya kuba ngcono ekuthengeni i-inshurensi yemoto yakho kwenye inkampani.
# 2 I-Car yakho yenza ngokusweleka kwiZifundo zeCrash
Ukuba imoto yakho iyenzeka ukuba imodeli engenzi kakuhle ekuqhubheni izifundo zokuphepha; ngamanye amagama, ukwenza kwakho kunye nemodeli yesithuthi kunomonakalo omkhulu kwintlupheko kunezinye iintlobo zemoto; oku kunokunyusa izinga lakho le-inshorensi kakhulu.
Ezi zithuthi zithathwa njengengozi yokhuseleko kwinkampani yakho yomshuwalense. Ukukhusela iimali eziphezulu kwi-inshurensi, khangela ukuba yimaphi imoto eyenziwa ngokufanelekileyo ekuqhutyweni kweemvavanyo eziqhutywe yi-National Highway Traffic Safety Administration (NHTSA) kunye neNkampani ye - Inthanethi ye-Highway Safety (IIHS).
# 3 UnemiSebenzi ende ende
Kubantu abanomzila omde ukuya kumsebenzi, ukuhamba kwakho kunokukubiza kakhulu kwiqondo le-inshurensi yemoto. Emehlweni kwenkampani ye-inshurensi, xa ude usendleleni ngosuku ngalunye, mhlawumbi ufanele uthathe inxaxheba kwengozi. Akuthethi ukuba awukho umqhubi okhuselekileyo, kodwa awunakukwazi malunga nento onokuhlangana nayo ngexesha lokuhamba kwakho; izimo zemozulu ezinobungozi, ukwakhiwa kwendlela, ukulibaziseka kweendlela, abaqhubi abangenangqondo, njl. Ukuba unokufumana indlela yokunciphisa umsebenzi wakho wokuhamba okanye mhlawumbi i-carpool iintsuku ezimbalwa ngeveki, unokuphelisa imali yakho kwi-premium yomshuwalense we-auto.
# 4 Inqwelo yakho inokuba yinto ephangiweyo
Ingaba imoto yakho enye into yokuba isela liyakuthanda ukufumana izandla? Iimoto ezithandekayo kunye nemidlalo yemidlalo kubonakala ngathi iithagethi zelala kwaye inkampani yomshuwalense iya kubakhokelela kule nqanaba le-inshurensi. Ngamanye amaxesha, amasela angeke athathele iinqwelo zonke kodwa "ezithile zeemoto" zifuna kakhulu.
Akusoloko ihamba ngeemoto ezibiza kakhulu okanye ezithandekayo ezibiweyo. Khangela izithuthi eziphezulu ezi-10 ezijolise ekuzileni ukuba yimaphi iimoto ezisengozini yokubiwa.
# 5 Unomvuzo ongekho
Ezinye iinkampani ze-inshorensi zisebenzisa i-credit score score yakho ekufumaneni iindleko ze-auto yomshuwalense. Ukuba kufuneka unike inombolo yakho yokhuseleko yentlalo ukuze ufumane ukucaphulwa kwe-inshurensi yomshuwalense, unokulindela ukuba i-credit yakho iya kuhlolwa kwaye isetyenziswe njengenye yezinto ezikuyo kwinqanaba le-inshurensi yakho. Nangona oku kungabonakali kulungile, kukho enye ingcamango kuyo ukuba uyavuma okanye awuvumelani.
Ezinye izifundo, ezibandakanya yi-Federal Trade Commission, ziye zazimisela ukuba abantu abanamanani amanqaku aphantsi ematyala abandakanyeka kwiingozi zeemoto kwaye bafumana ilahleko ezininzi kunabo abalingana nabo abanomlinganiselo ophezulu.
Iindaba ezilungileyo kuninzi ongayenza ukuphucula ukuhlawulwa kwekhredithi ngokwexesha elifana nokuhlawula iindleko zakho ngexesha, ukuhlawula iimali mboleko nokugcina izilinganisi zekhadi lakho lesikweletu.
# 6 Izithuthi Zakho Izindleko ezininzi Ukulungiswa
Kunengqiqo ukuba isithuthi esithengisa ngakumbi ukulungiswa kuya kuba neendleko ezininzi ukuqinisekisa. Nangona unokuba nesithuthi esinamandla kunye nazo zonke izinto ezikhuselekileyo ongazicelayo, ukuba isithuthi sakho sinezixhobo ezibiza kakhulu ukuya kwinkonzo kwaye sithathe indawo, i-inshurensi yakho iya kuphakama ukuba ungeze le ndlela yesithuthi kwipolisi yakho. Ukuze ufumane ingcamango engcono yento imoto yakho inokubiza ngayo ukulungiswa, unokujonga ukuhlolwa kweeNgxelo zabaThengi kwiimoto ezincinci kunye nezindleko.
# 7 Idilesi yakho
Amadolophini aphakamileyo aphezulu kunye nezixeko ezinkulu zinemilinganiselo ephezulu yengozi, ukweba imoto kunye neziganeko zokutshatyalaliswa kweemoto kunokuba zithini indawo zasemaphandleni. Le nxalenye yenkqubo echongiweyo ekuqwalaseleni xa ulinganise i-premium yakho yomshuwalense. Ininzi enkulu yengozi zeemoto kunye nobuqhetseba bemoto kwindawo, ukugqithiswa okukhulu kunenkampani yomshuwalense. Amaxesha amaninzi, izinga le-inshorensi liya kusekwa apho imoto igcinwa khona okanye ifakwe. Ukugcina isithuthi sakho kwisigaraji esivaliweyo ebusuku kunokunceda kwezinye iimeko. Enye into abasha abaqhubayo kwiikholeji banakho ukwenza ukuhlala kwimigaqo yabazali babo. Ezinye iinkampani ziya kubavumela abafundi beekholeji ukuba benze oku de kube umfundi ephumelele kwaye abuyele kwindawo yokuhlala.
# 8 Unomqhubi osemtsha
Nangona ngokwenene lixesha elonwabisayo nelinye ixesha eliyingozi kubazali xa umfana efumana ilayisensi yakhe kwaye uqala ukuqhuba; Kwakhona lixesha apho i-pocketbook yakho inokuthatha inkunzi enkulu. Ukongeza umqhubi we-adolescence kumgaqo-nkqubo wakho unokukwenza i-premium yakho ye-inshorensi ikhuphuke ngamakhulu ama-dollar ngenyanga. Kutheni oku? Izifundo zomshuwalense zibonisa ukuba abaqhubi abaselula bayabandakanyeka kwiingozi ezininzi kunokuba abaqhubi abadala kwaye banqongophala ngezakhono kunye namava okuqhuba ngokukhuselekileyo. Zama ukunciphisa i-premium yenyuka ngokukhangela iinkampani zomshuwalense ezinika isaphulelo somqhubi we-adolescents kwaye zinikela ngekhredithi ngokuqeqeshwa kokhuseleko lomqhubi.
# 9 Awuyikuxhamla
Unokulahlekelwa kwizaphulelo ezibonelelwa ngabashurensi bemizi-mveliso ukuba awuqinisekanga imigca emininzi yokubhengezwa okanye "ukuqoqa" kwiinkampani enye. Oku kubandakanya ukufaka imizila emininzi yokubhengezwa kwenkampani yomshuwalense efanayo njengabaphathi bezindlu, abaqeshisi kunye ne-inshurensi yemoto. Ngokusebenzisa isaphulelo se- GEICO , abathengi be-auto bafumana isaphulelo sokufikelela kuma-25%.
# 10 Awukho iKholeji leGraduate
Oku kungabonakala kungalungile kodwa ezinye iinkampani zomshuwalense zomshuwalense ziya kukuhlawula amaxabiso aphezulu ukuba awuzange uphumelele kwikholejini. Ingxelo evela kuMkhomishinala we-inshurensi waseFlorida ibonisa ukuba abaqeqeshi ngeesitifiketi banikezelwa amaxabiso omgaqo-nkqubo omgaqo-nkqubo. Oku kuquka imisebenzi enjengeengcali, oogcino, amagqwetha kunye nabanye abaninzi. I- Consumer Federation of America ibikelele ngezi zigqibo ezibonisa ukuba i-auto insurers ezinkulu zihlawula amazinga aphakamileyo kubaqhubi abanamabanga angaphantsi kweekholeji kunye nabanikeze imisebenzi yamacollar blue ezifana nabasebenzi befrikansi. Kwamanye amaxesha, uphando lubonisa ukuba ukwanda kwe-premium bekuyi-45 ekhulwini.
Ngeke uhlale uyazi ukuba umshwalense wecandelo loomatshini uqwalasela izinga lakho lemfundo njengento yokulinganisela i-premium yomshuwalense we-auto. Nangona kunjalo, isibonakaliso esihle salokhu ngumbuzo kwi-auto yomshuwalense yesicelo ebuza ukuba uneminyaka emingaphi yemfundo yesibini kunye nokuba ungenayo i-degree yeekholeji.