Uluhlu lweeMoto eziTyebileyo zokuThengisa
Xa uthengisa imoto entsha abantu bahlala bexhalabisa ngeendleko ze-inshurensi . Ngenhlanhla kukho izifundo ezininzi ezenza uphando minyaka yonke ukufumana iimoto ezibiza ubuncinci kwi-inshurensi ukukunceda wenze ukhetho.
Usuvele uchitha imali eninzi xa ugqiba ukuthenga imoto entsha, ngoko ukufunda malunga nendlela yokugcina imali kwi-intanence kunye neendleko zinshorensi kunokukunceda ukugcina ama-dollar ngonyaka.
Indlela oyikhethile ngayo Imoto inokwenza i-Inqwelo yakho ye-Inqwelo yomshuwalense ngakumbi okanye encinane
Nangona zininzi ezinye izinto ngaphandle kweemoto ngokwazo ezenza inqwelo-mali yakho ibe yindleko ephantsi (esiza kubhala ngaphantsi) ukhetha imoto ukuba inkampani yomshuwalense ayiyi kuhlawulisa kakhulu ukuba iya kunceda.
Iyintoni Indleko Yomyinge weNqwelo-mali Yomshuwalense ?
Ukuqonda okufutshane malunga neemoto ezili-10 ezincinci eziphezulu ukufaka uluhlu oluqinisekileyo, lunceda ukuba ube nombono wexabiso eliqhelekileyo le-inshurensi yemoto. Ngokomzekelo, iindleko eziqhelekileyo zesizwe zomshuwalense wemoto ziyi-$ 1,605 ngonyaka, kodwa imota ephezulu ebizwa ngokuthi "yindleko encinci" yokuqinisekisa idibene kwisantya se-$ 1,112 ngonyaka.
Zonke iimoto kwiimoto ezilishumi ezingabizi kakhulu ukuya kuluhlu oluqinisekisiwe zineeprayimari ezingaphantsi ukusuka kwi-1,112 ye-$ ngonyaka ukuya kuma-1,203 ayi-$. Oku kuthetha ukuba ukuba uthengela enye yeemoto ezincinci ukuzithengisa, ungasindisa amakhulu emadola ngonyaka ngenxa yentengo ephantsi ye-inshurensi.
Umgangatho ophezulu onqabileyo wemoto ukuqinisekisa ukuba i-$ 500 engaphantsi konyaka kunomyinge wesizwe!
Iimoto eziPhezulu eziPhezulu ezili-10 eziPhezulu zokuQinisekisa ngo-2017
| Uhlu | Imoto | Umyinge wePalamende | Uhlu | Imoto | Umyinge wePalamende |
|---|---|---|---|---|---|
| 1 | HONDA Odyssey LX | $ 1,112 | 6 | Subaru Outback 2.5l | $ 1,187 |
| 2 | Yeep Renegade Sport | $ 1,138 | 7 | Jeep Cherokee Sport | $ 1,188 |
| 3 | Jeep Wrangler Black Bear | $ 1,148 | 8 | Buick Encore & Jeep Patriot Sport (eboshwe) | $ 1,190 |
| 4 | Honda CR-V LX | $ 1,170 | 9 | Subaru Forester 2.5l | $ 1,196 |
| 5 | IJep Compass | $ 1,183 | 10 | Ford Escape SE | $ 1,203 |
Ziziphi ezinye iimoto ezilondoloza imali kwi-inshurensi?
Idatha engenhla ivela kwiindleko ze-insure.com zonyaka zengqesho yomshuwalense wango-2017 oye waphinde wahlaziya iimoto ezibiza kakhulu ukuqinisekisa nokunyusa uluhlu lweemoto ezincinci ukuqinisekisa ukufikelela kwiimoto ezingama-20. Nangona ezinye iintlu zeemoto ezincinci ziqinisekisa ukuba zikho, ngokuthelekisa iziphumo ezingentla kulezo zintlu, iiphambili ezi-5 zivele ziluluhlu, ngoko-ke oku kuyisikhokelo esihle kwiNqanaba likaZwelonke elilindelekileyo kwiimoto ezibiza ubuncinane kwi-inshurensi.
Nazi ezinye iimoto ezenze uludwe lwezithuthi eziza kukugcina imali kwiindleko zomshuwalense ezifaniswa nomyinge wesizwe.
Yonke le mali iyabiza phakathi kwe-$ 1,204 kunye ne-$ 1,221 ngonyaka ngokubhekiselele kumgangatho wonyaka weemoto ezincinci ukuzithengisa.
- Mazda CX-3
- Honda Pilot LX
- Fiat 500X Pop
- Nissan Frontier S
- Hyundai Tuscon SE
- I-Subaru (XV) iCrosstrek 2.0l
- Honda HR-V LX
- I-Ford F-150 XL
- Ford Edge SE
Yintoni eyenza Imoto Yincinci encinci kwiNtshuwalense
Ulwazi olusetyenziselwa ukucacisa iimoto ezincinci ukuqinisekisa ukuba kananjalo luyakwazi ukuba luphawu olulungileyo kwiimoto ezincinci ukugcina kunye nenkonzo.
Inokuthi ibe yinkcazo yeendawo ezinokuba yingxaki kuba i-inshorensi iyamiselwa xa inkampani yomshuwalense ithatha idatha yazo zonke iziganeko kunye nenqwelo enikeziweyo xa kuqwalaselwa isantya esiya kusetyenziswa kwisithuthi.
Ngokomzekelo, inkampani yinshurensi iqinisekisa amakhulu emodeli yeyiphi na imoto enikeziweyo, ekupheleni konyaka baya kuphawula ukuba kukho imvama kumabango okanye umcimbi oqhelekileyo ngemoto xa kufuneka bahlawule amabango kuyo.
Ukuba ininzi inkampani yomshuwalense iqinisekisa uhlobo okanye imodeli yemoto, ngaphezulu kwedata kufuneka ichane izinga elifanelekileyo. Ukuba ngokukhawuleza babona i-spike kwiziganeko, njengezobusela beemoto ethile, umzekelo, ngoko unokubona ukwanda kwezinga.
Iimpawu ezintsha zeBrits ezingenakho idatha ziya kulinganiswa kulokho umgcini-mpahla oqikelele ukuba unokusebenza okulindelekileyo kwesithuthi. Izinto ezifana nokulinganisa ukhuseleko kwi-National HighwayTraffic Safety Administration (NHTSA) iinkampani zomshuwalense zenkxaso zonyango zibeka iinqanaba zawo kuba iimoto ezinokukhusela izinto zingabinokulimala kwaye zingakhuseleka. Ikhampani yomshuwalense yemoto iya kubheka ukulinganisa ukhuseleko, intengo yeengxenye, izixhobo zokulwa nobusela, iimpawu zokulwa nokudibanisa.
I-inshurensi yemali engabizi kunye neeprofayili zokuqhuba
Enye into enomdla kuzo zonke iimoto ezincinci ukuqinisekisa ukuba iprofayile yomqhubi. Ngokona nxalenye, nangona ukuthelekiswa kweerhafu kwenziwa kwinkampani ezininzi kunye nemoto, mhlawumbi akuyinto engafanelekanga ukuba ezininzi zeemoto ezilishumi ezilishumi zihlobo lweentlobo zentsapho ezinezinto ezikhuselekileyo zokhuseleko kunye nobuchwepheshe.
Uhlobo lweentlobo zentsapho lunokuqhutyelwa ngabantu abangase babe nolumkiso kuba banabantwana abatsha kwaye bahlala uhlobo oluthile lokuphila.
Amaxabiso athatyathwa ngamava e-inshorensi enemoto enikwe, ngoko ke ukuba awuyiyo iphrofayili yentsapho, kodwa uthenge enye yale moto, uya kuzuza kwivareji jikelele yenkampani yomshuwalense ngamabango ahlawulwe kuwo onke ezi zimoto.
Yintoni eyenza ukuba uthole ixabiso elincinci kwi-Intshuwalense yemoto
Nangona imoto oyifunayo ingenakho okanye ayibekho kuloluhlu kukho iindlela zokufumana iindleko ezincinci kwi-inshurensi yemoto ngokuthetha kunye nenkampani yakho yomshuwalense nokufunda ngakumbi malunga nezinto ezinokulinganisela imoto ezingenza ukuba i- inshurensi yakho ikhuphuke, nokuba abanakho amabango .
Izinto ezi-5 eziQinisekisa iindleko zeInqwerensi ye-Car
Iindleko ze-inshurensi yemoto zisekelwe kwizinto ezi-5 eziphambili:
- Ulwazi lwakho lomntu kunye nemilinganiselo yokulinganisa
- Iindleko zokulungiswa okanye ukutshintshwa kweemoto, ezichaphazela izinga kwiinkalo ezibanzi kunye nokudibanisa kwe-premium yomshuwalense
- Ukuphindaphinda kweziganeko okanye amabango enemodeli yemoto ekuthethwa ngayo
- Iindleko zomonakalo isithuthi sinokubangela abanye (ipropati nabantu) -uyakwazi ukufumana le nto kwi- inshorensi yemfanelo yemoto kunye necandelo loxanduva lwezonyango kwi-premium yakho ye-inshurensi. Ezi mfuno zokukhawulela ziyahluka kwilizwe ngalinye .
- Inkampani yenkampani yenkampani yomshuwalense kunye neenkcukacha zecandelo lezithuthi, eziqhubise izaphulelo ezibanceda ukukhangela uhlobo "lomngcipheko" abawufunayo kunyaka nawuphi na unyaka. Ezinye iinkampani zomshuwalense ziza kuhlawula uhlobo oluthile lweemeko, ezenza amazinga aphezulu. Abanye baya kuba banomdla. Ezinye iinkampani zomshuwalense, ngokuxhomekeka kwimithetho kaRhulumente, zinokunika isilinganiselo esikhethekileyo semilinganiselo emihle yematyala . Yona nto ingcono kakhulu ukuphanda inkampani yomshuwalense wenqwelo-moya enqeni yakho ukufumana umntu oza kukunika ixabiso elingcono.
Ukufumana iiNkxaso zeeNtshumo eziphantsi kwiNgingqi yakho
Xa kuziwa ngentengo yomshuwalense wemoto, iqela elifanelekileyo okanye i-inshurensi ephantsi kakhulu iya kuhluka kwilizwe ngalinye. Iimoto esizibhengeze ngasentla zisekelwe kuMgangatho weSizwe. Iingingqi zengingqi zingahluka ngokusekelwe kumanani amaninzi, njengama-5 esixoxwe ngasentla.
Umzekelo weNqanaba leNguquko kwiNdawo kunye neNkampani yeNshishino
Ngokomzekelo, ngokutsho kweNerdWallet, inshorensi yemoto engancinci eCalifornia kubaqhubi abanokuphulwa kwephutha yi- AAA , kodwa inkampani yomshuwalense oncinci yemoto yabanini abahlala umhlalaphantsi yi- 21 Century Insurance . Abaqhubi abancinane kunye nabaPhathi abalungileyo bafumana amaxabiso angcono kunye ne- GEICO .
Nangona kunjalo njengendawo yokuthelekisa, kwiVermont, iNerdWallet yabala iiNkampani zoNxibelelwano zeNkampani zoNkxaso -mali njenge-inshurensi yemoto engancinci yabaTshayeli abaPhezulu kunye nabaPhathi abaPheleleyo kunye ne- Geico yabaselula.
Ziziphi ezinye izinto ezinokuthi zichaphazele ixabiso le-Intshuwalense yemoto?
Inqaku lethu kwinqanaba le-inshurensi yemoto likhulayo liquka ulwazi oluninzi malunga nokwenza inkampani yenkampani yomshuwalense ifike kwi-inshurensi yemoto , funda ngakumbi apha malunga neenkcukacha ezipheleleyo zeendleko ezichaphazelayo, ngaphandle kwamabango. Njengoluhlu oluyisiseko lwezinto ezinokuchaphazela i-inshurensi yakho, nakhu amanqaku ambalwa anokutshintsha amaxabiso akho:
- I-Mileage: umgama oqhuba ngawo ngonyaka ungathintela izinga le-inshurensi yakho. Abanye abantu bathambekele ukuqagela inani lemali elingazixhalabisi kakhulu ngalo, kodwa ukunyaniseka okanye ukugqithisa iindleko zeendleko zakho kungabiza imali . Zama kwaye uchanile.
- Ubudala kunye nolwazi lokuqhuba: Ukufumana amava okuqhubela phambili ngaphandle kweengozi, okanye ukuqeqeshwa okuqhubela phambili njengomqhubi wokuzikhusela, i-inshurensi yakho ingabizi kakhulu.
- Indawo: Xa uhlala kwiindawo ezinokubambisana okukhulu, ukuhamba kwendlela, okanye ukupaka kwezitalato kunye nokupaka igaraji, izinga lakho le-inshurensi linokuphakama kunomntu onesimo esifanayo esiphila kwindawo eyahlukileyo. Inkampani ye-inshorensi iya kuseka inqanaba le-inshorensi apho imoto "ilala khona" ebusuku, oku kudlalwa ngokuba yidilesi yolondolozo. Kubantu abaninzi, idilesi yabo yasekhaya, kodwa kwezinye iimeko, imoto ingabhalwa kwidilesi enye, ize ihlale kwenye indawo. Umzekelo, umzali uthenge imoto kumfundi ohlala kwikampus aze athathe imoto yakhe ekolishi . Indawo yesikolweni apho imoto igcinwe khona, kungekhona idilesi ebhalisiweyo. Inkampani yenkampani yomshuwalense iya kusebenzisa indawo yokugcina indawo kwaye oku kungatshintsha izinga okanye phezulu. Okufanayo unokufaka isicelo semoto ebhaliswe kumqeshi, kodwa imoto igcinwe kwikhaya lomqeshwa.
- Isimo sezulu: Ngokomzekelo, cingela ukuba uhlala kwindawo eneqhwa elikhulu. Iimoto ezingenzi kakuhle kwikhephu zinokuba nezingozi ezininzi. Imirhumo yomshuwalense wendawo ukuqinisekisa ukuba imoto kwindawo engayixhotywanga ukwenza ngayo, vs, enye indawo apho ingozi yekhefu ekhethiweyo engekho ikwazi ukuqhuba iindleko zaloo moto ukuba zibiza kakhulu kwindawo enye.
- Amanqaku okuthenga ngetyala : Iinkampani ze-inshorensi zibonwe kwidatha yokuba abantu abanamanani amanqaku atyala ayenamabango ambalwa. Ezinye iindawo zivumela i-credit score for grade insurance.
- Izaphulelo : Zininzi iintlobo zezaphulelo ongafumana kunye ne-inshurensi yemoto, ezi ziza kuchaphazela intlawulo ohlawulayo.
Uluphi uluhlu lweeNqwelo ze-Inqwelo-mali engabizi ngaphantsi?
Iimoto ezincinci ukuqinisekisa ukuba i-Insure.com isekelwe kwiprofayili ethile yomqhubi, iphrofayili yakho yomqhubi iya kuba yinto eyahlukileyo, njengoko ubona ngayo yonke into echazwe apha ngasentla, unakho ukufumana izaphulelo ezingaphezulu kwipolisi yakho okanye wenze isigqibo ukuthatha inxaxheba kwiinkqubo zokunciphisa izindleko ezifana ne- Usage Based Assurance . Isibalulekileyo kukuthenga ngeenxa yokufumana iqondo elifanelekileyo le-inshurensi kwiimeko zakho xa uthengisa imoto entsha. Musa ukuhlala kunye nenkampani efanayo oye wayenaye ngaphambili, awukwazi ukuba ngubani ophethe amazinga angcono kwiimeko zakho ezintsha.