Ukuba ungumqhubi onobuchule obunomdla-umntu onetrayikithi ezininzi ezinokukhawuleza, iimpawu zokuqhuba izinto zokungahambi kakuhle, kunye ne-DUIs kwi-rekodi, mhlawumbi akumangalisi ukuba iinkampani ze-inshorensi zingagxumi ngeli thuba lokukuqinisekisa kwaye zikukwamukele kwi-pool yabo engozi. Kodwa zikhona ezinye izinto ezingabonakaliyo ezingenza ube mngcipheko ophezulu emehlweni abo batshorensi:
- Ukuguga okanye umncinci kakhulu
- Ukungatshatanga
- Ukuba netyala elibi
- Ukuqhuba imoto yemidlalo
- Ukuhlala kwisixeko esinamandla
Ukuba ungumqhubi okhuselekileyo onomngcipheko wokucinga ukuba ungaphezu komthetho, unokuba ngumqhubi ophezulu: unokuba ngumqhubi ophezulu okhuselekileyo.
Ukuba unetyala lophulo lokuphuza, ufumane ukuphulwa kwexesha elifutshane ngexesha elifutshane, uqhube ngaphandle kwelayisenisi okanye ukuba ilayisenisi yakho isanda kumiswa okanye ichithwe, unokufumana inkundla yenkundla ye-SR-22 , INkcazo yoxanduva, oya kufuneka ukuba ugcine kwifayile kunye ne-DMV karhulumente xa ufumana i-insurer ekulungele ukukuthatha. Ngokuchasene nombono oqhelekileyo (kunye neenketho ezidweliswe kwiiwebhusayithi ze-inshurensi), i-SR-22 ayilona uhlobo lomshuwalense-yindlela ebonisa u rhu lumente.
Ukuba unesiqinisekiso esinzulu, ngokuqinisekileyo uya kuhlawula kwi- nkampani ye-insurance .
Ukuqhuba umqhubi kunokunyusa ama-premium akho ngamaphesenti angama-75, kwaye kunye nokukhawulezisa itikiti kunokunyusa izinga lakho.
Cinga nge-Big Insurers
Ukuba ucinga ukuba iinkampani ezinkulu ze-inshorensi ezinkulu ziza kukhangeka ukukuqinisekisa, uya kuphutha. Ngokuqinisekileyo, uya kuhlawula ngaphezu komqhubi ophantsi komngcipheko, kodwa uninzi lwabatshutshisi abakhulu abanakho izibonelelo kwaye baya kukwenza iipolisi zomshuwalense eza kusebenza kuwe.
IGeico, kwiLizwe lonke, abalimi base-Intshuwalense nabo bonke baneenkxaso-mali ezisebenza ngokukodwa nabaqhubi abaphezulu. Akunakuze usebenze ngokusebenzisa enye inkampani-kunoko, uya kuhamba kwinkqubo efanayo yesicelo eyenziwa ngabanye.
Kodwa Musa ukuThengisa ama-Insurers angaqhelekanga
Nangona abadlali abakhulu banokubonakala ngathi lukhetho olulula, abayi kuba lilungele ixesha elihle kumntu ngamnye. Kukho iincinci ezincinci ezibanjelwe ukuba zibe ngabaqhubi abaphezulu beengozi, ezibizwa ngokuba ngabaxhasi bomshuwalense abangaqhelekanga, kwaye kufuneka bahlole.
Ukuba awufumani nayiphi na inkampani yomshuwalense eya kukuqinisekisa, mhlawumbi kufuneka ucinge ngokuthatha ibhasi okanye ezinye iindlela zokuhamba. Kodwa njengokhenketho lokugqibela lomshuwalense, khangela iinkqubo zomshuwalense karhulumente karhulumente ezikhoyo kwindawo yakho.
Kubaluleke Kakhulu Kunanini Iliphi Ukuthenga Ngeenxa zonke
Kungenxa yokuba ungumqhubi ophezulu wobungozi akuthethi ukuba ufanele ukwamkele iiprayimari eziphezulu ngaphandle kokubetha iliso. Njengokuba kukho naziphi na izigqibo ezibalulekileyo zemali, kubaluleke kakhulu ukuthenga ngeenxa zonke uze uqhathanise ukhetho. Nangona mhlawumbi ungenakuvuyela ngokubhaliweyo, ukhetho oluninzi luya kuba lukhuselekile ngokukhuselekileyo kwaye kwindlela ngaphandle kwexesha.
Uza kuba uhlawula ngaphezu kokuba ungathanda ukuba ungabhalwa njengomqhubi ophezulu, kodwa ukuthenga ngeenxa zonke ngokuqinisekileyo kulungele ixesha lakho. Ngenxa yokuba uqala kwindawo yokuhlawula ngaphezulu, kubaluleke nakakhulu ukuba uthenge ngeenxa zonke kunokuba umntu ongeyingozi enkulu.
Kwaye akuyiyo nje intengo ye-premium omele uyithengele. Kufuneka uzame kwakhona ukufumana isicwangciso sokuhlawula ukuguquguquka (ukuba uyayidinga) kunye neendlela ezininzi zokwenza impilo yakho ibe lula njengoko unako. Kufuneka kwakhona uzame ukufumana iinkampani ezikuvumela ukuba wenze ngokweziko uqobo ngokwakho ukuba uhlawule kuphela into oyifunayo ngokwenene. Nangona kunjalo, ukuba unayo i-SR-22, kukho ubuncinane ubuncinane obufunekayo ukuba uhlale.
Ungalibali ukucela izaphulelo. Ukuhlawula i-inshurensi yakho, ukuba nerekhodi yokuqhuba kakuhle , kunye nokufumana imoto ekhuselekileyo kunokukugcina imali nganye ngenyanga.
Cinga ukuhlawula iDeductible ephezulu
Ukuzimisela ukuhlawula iimpawu eziphezulu ezithintekayo kwiinkampani zomshuwalense ukuba unomdla wemali onikwe imali ngokungabangeleli iindleko-kuba uya kuba sekhongolweni! Ngokuqhelekileyo, ukuba uzimisele ukuthatha isixa esiphezulu se-deductible , uya kuba neeprayimari eziphantsi nganye ngenyanga.