Ukubala inani elilahlekileyo lokulahlekelwa kweemoto alilona lula, kwaye lingahluka ngokubanzi kwinkampani karhulumente kunye ne-inshurensi.
Kubalulekile ukwazi ukuba ixabiso leemoto lakho libalwe kuba liyakunceda uxoxisane ngokuhlawula imali engcono kwibango lakho. Ikwabonelela ngolwazi malunga nokuba kutheni ungeke ufumane imali eyaneleyo yokuhlawula umboleko wakho.
Ixabiso langempela leeCash
Ininzi yemigaqo-nkqubo yeminshuwalense yemoto igubungela iinqwelo zokusebenzisa ixabiso langempela lemali , isigqibo sokuba akufanelekile ukulungisa isithuthi sakho ukuba ukulungiswa kuya kubiza ngaphezu kwepesenti ethile yexabiso lemoto elonakalisiweyo, ngokubanzi kwi-80%. Ukungabikho kwemilinganiselo kubandakanya imigaqo-xabiso evumelanisiweyo (ngokuqhelekileyo kwimoto yamandulo), imigaqo-nkqubo echaziweyo , kunye ne-coverage eyongezelelweyo njenge-inshurensi ye-gap okanye ukutshintshwa kwemoto entsha. Ixabiso langempela lemali ngenye indlela yokuthetha ukuba yintoni isithuthi esifanelekileyo ngexesha lokulahleka. Ukuba ungathengisa imoto yakho imitha phambi kweengozi yakho, ungayifumana phi imali? Kuyinto enzima ukubeka inombolo ngqo kuyo ngaphandle koluncedo.
Ziziphi izinto ezisebenzisiweyo?
- Unyaka
- Yenza
- Umzekelo
- Mileage
- UkuPhila kweMzimba kunye neNyembezi
Zixhobo
Iinkampani zomshuwalense zisebenzisa iproofthiwe yazo yokubala ukubala inani lenani lezithuthi. Kucacile ukuba awukwazi ukusebenzisa isoftware. Uyakwazi ukujonga iKelly Blue Book, u-Edmunds, okanye uMthengisi we-Auto njengomqondiso, kodwa ungayifumani intliziyo yakho isetyenziswe ekuqikeleleni kwayo.
Yinto nje ye-ballpark figure. Ngokuqinisekileyo ukuba nayiphi i-adversi yamangqina aya kukuxelela, abahlawuli mabango asekelwe kwiKelly Blue Book.
Ukuhlolisisa iintengiso ezahlukileyo zendawo ziyinxalenye yenkqubo. Izithuthi ezithengiswayo ezinokufana, ububele kunye nomgangatho zingasetyenziswa njengesiseko.
Iimbuyekezo
Naziphi na iirisithi zokulungiswa zakutshanje ezithe zinikezelwa nazo zisetyenziselwa ukubala iindleko zakho zokutshintsha. Injini entsha, ukuhanjiswa okusha, amathayi amatsha, bonke bangenza umehluko ngobukhulu besheke lakho.
Esifutshane
Ngelishwa, akuqhelekanga ukufumana ilahleko yokuhlawula ixabiso eliphantsi kwexabiso lakho lemali-mboleko yemoto. Iziphulo zenzeke ngezizathu ezahlukahlukeneyo.
- Imoto idanisa ngokukhawuleza kunomlinganiselo ohlawula umboleko wakho.
- Ukuboleka kwemali yemali kunye neerhafu.
- Ukufaka imboleko yemali yangaphambili kwimali mboleko yakho yangoku.
- Ukugquma ezinye iimali ezinje ezifana neenqwelo eziqinisekisiwe, irhafu, kunye neentlawulo zemityala kwimboleko yakho.
- Okuncinci ukuhlawula imali yokubolekisa ngemali.
Ukuphepha i-Short Falls
Ubomi bomshuwalense we-gap kunye nokutshintshwa kwemoto entsha kunokukunceda ukhuphe ukungaphumeleli kokuqala. Baya kulwa neengxaki zokunciphisa. Ingxaki kukuba, akukho nto inokukunceda xa ifika kwezinye izinto ozifakile kwimboleko yakho. Ukuhlawula i-20% phantsi ngexesha lokuthengwa kwemoto kunye kunye nokuhlawula zonke iimvume, iintlawulo, kunye neentlawulo zeetayitile kuphela indlela yokunga ngaphantsi kwamanzi ngexesha lokuthenga isithuthi.
Oku ngaphandle kokuba unako ukufumana intengo ehlaziyiweyo kakhulu abanye abantu abanalo ilungelo elifanayo lokufumana.