Nantsi yonke into ofuna ukuyifumana:
Kutheni ungeke uqiniseke ngokubanzi isiThuthi sakho kwiNkqubo eyahlukileyo
Isizathu esona sizathu kukuba ukuba oko kwakunokwenzeka, wonk 'ubani uya kuthenga i-inshurensi yemoto kwilizwe elincinci kunye / okanye enye eneemfuno ezininzi kakhulu. Nangona unesihlobo esiphila kwelinye ilizwe, awukwazi ukubhalwa kwi-inshurensi yabo ngesizathu esifanayo. Kwiimeko ezinqabileyo kakhulu, ezinye iinkqubo ze-inshorensi ziya kuvumela ukuqinisekiswa kwesithuthi esibhalisiwe kwimeko ehlukile- kodwa qiniseka ukuba ubhalwe njengomqhubi kumgaqo-nkqubo.
Kwaye kwenzeka ntoni ukuba Uyakwenza
Iinkampani zomshuwalense kunye noorhulumente beburhulumenteni abayizona ziqhamo ezinkulu zokukhwabanisa nokukhawuleza. Ukuba ubanjwe ukudlala imidlalo kunye ne-inshurensi yemoto yakho, kukho zonke iziphumo ezinokwenzeka: ukuba usengozini , inokwenzeka ukuba inkampani yakho yomshuwalense wemoto iya kukwenzela ukuhlawula ibango le-inshurensi. Unokwenza ukuba umgaqo-nkqubo wakho unqunyulwe , apho kwiindawo ezininzi, kuthetha ukuba awuvumelekanga ukuba usebenzise isithuthi sakho endleleni.
Yaye ukuba uthe wabanjwa wenza njalo, unokuba nelayisenisi yakho imisiwe okanye ichithwe .
Bakuza kukubamba njani, ubuza?
Masithi imoto yakho ibhaliswe kwaye iqinisekisiwe eFlorida kodwa usanda kutshintshwa eNew Hampshire. Usengozini kwaye ufake ifom ye-inshurensi kwiindleko zokulungiswa. Enye yezinto i-inshurensi yempempezi iya kukubuza yona, "wenzani eNew Hampshire?"
Ukuba uthe, "kakuhle, ndihlala apha ngoku!" Mhlawumbi abayi kuvuya kakhulu.
Eyona nto ayifanelekanga.
Yintoni Eyenzekayo Ukuba Ndiya Kukhwabanisa Umshuwalense?
Nangona inkampani yakho yomshuwalense ngesizathu esithile ayikhathaleli kwaye ayixineli iirhafu, usenokwenziwa uphando ngeofisi yegosa likarhulumente kwaye uzame ukukhwabanisa. Inkampani yakho ye-inshorensi iya kuba ngokuqinisekileyo izame ukubuyisela umbahluko kuma-premiums omele uhlawule ngaphezu kwawo.
Nazi ezinye iziganeko ezibuzwa rhoqo ezingapheliyo kwaye zomile:
Imoto Ebhalisiwe Kwisinye Kwilizwe Kodwa Ikhuselwe Ngomnye
Masithi uthenge imoto ilungu lentsapho (mhlawumbi unyana wakho okanye intombi ekholejini) ohlala kwelinye ilizwe ngelixa uhlala kwelinye. Ukuba ubhalise imoto kwisikolo sakho sasekhaya, kodwa cwangcisa ekuqinisekiseni kwimeko yakho yasekhaya, qaphela: mhlawumbi kufuneka utshintshe okanye wakho umshwalense okanye urhulumente apho imoto yakho ibhalisiwe. Kwimeko efanayo iya kusebenza xa usebenza ngethuba elithile kwaye uhlala khona ngeenyanga ezimbalwa. Uninzi lweenkampani zomshuwalense wemoto zidinga ukuba imoto yakho ibhaliswe kwaye iqinisekisiwe kwimeko efanayo-kwaye i-DMV idinga ukuba imoto ibhalisiwe kwimeko efanayo nelo dilesi yekhaya yangoku.
Abanye abatshutshisi bangaba neendlela ezikhethekileyo kubafundi baseburhulumenteni abaye bavumela ukuba bahlale bekhuselekile kwiimeko zabo zasekhaya, ngoko kufuneka udibanise ne-arhente yakho xa kunjalo.
Umnini weNqwelo yeMoto kwiCandelo elilodwa lomqhubi wenqwelo yomoto kwelinye
Ukuba uthenge imoto kumntu osendlwini yakho, mhlawumbi iphantsi komgaqo-nkqubo we-inshorensi njengemoto yakho. Kodwa ukuba umqhubi wedwa imoto uhambela kwelinye ilizwe kunokuba uhlala kuyo, unokuzibuza ukuba yini okufuneka uyenze. Ukuba ungumnikazi wedwa, unokukwazi ukubhalisa imoto kwimeko apho umqhubi ahlala khona kwaye abhale omnye umqhubi kumgaqo-nkqubo omshuwalense omtsha. Kungaba luncedo kakhulu ukudlulisela ubunini bezithuthi kumqhubi wesithuthi, nangona, ngaphandle kokuba unomboleko okanye uqeshisa kwisithuthi.
Snowbirds kunye nalabo abanezindlu zokuphumula
Ngaba ndiba nomona njani ukukhangela ixesha lakho lokufudumala?
Hayi, ukuba uhamba ukuya naseFlorida, kuya kufuneka ube ne- inshurensi yemoto yaseFlorida ukuba isithuthi sakho siseFlorida iminyaka engaphezu kwe-90 ngonyaka. Uninzi lwamanye amazwe anemfuneko efanayo. Ewe-oku kuthetha ukuba uza kujongana neenqwelo ezimbini zee-inshorensi ezahlukeneyo kunye nemigaqo-nkqubo. Kodwa leyo yintengo encinci yokuhlawula ubomi bokuhamba kwezinto zokunethezeka, kunene? Kwaye ngokuqinisekileyo kungcono kunokuba inkampani yomshuwalense wemoto yakho inqaba ukuhlawula nayiphi na ibango okanye ukukhaba umgaqo-nkqubo ngenxa yobuqhetseba, akunene?
Ukuba uzama ukugcina imali kwaye imoto yakho ihlala kwimeko yakho yexesha lokuphumla, unakho ukhetho lokukhansela i-inshurensi yakho, ukunikezela iifenethi zeelayisenisi kunye nokukhansela ukubhaliswa kwezithuthi zakho ngeenyanga xa ungekho imoto yakho. Nangona kunjalo, ukuba imoto yakho yonakalisiwe, ibiwe, okanye ichithe ngoxa ingaxhaswanga, ungekho inhlanhla-kwaye oku akunakukukhetha ukuba imoto yakho iyaxhaswa ngemali mboleko.
Ukhetho olubhetele luya kuba uqhagamshelane nommeli wakho we-inshurensi kwaye uchaze imeko yakho. Kukho ixesha elide ukufumana izaphulelo ezikhoyo kwiimoto ezigcinwe okanye ukuhamba kwee-low-mileage. Ukuba inkampani yakho yomshuwalense yinkampani enkulu yamashishini aphezulu, unokukwazi ukufumana isaphulelo sokuba nemigaqo kwiinkalo ezininzi. Ukuba ungathanda ukuhamba nomncedisi omncinci ekhaya lakho kude nekhaya, cela malunga nekhefu ekhaya kunye ne-inshurensi yemoto yeenqwelo-mali ukugcina kuzo zombini.
Abasebenzi baseMpi
Ukuba uhamba ezininzi njengenxalenye yenkonzo yakho yemikhosi exhobileyo, kufuneka ukuba uvakalise imeko yokuhlala - ngokuqhelekileyo lakho likhaya lakho, kungekhona ilizwe omi kuyo kuyo nayiphi na ixesha.