Kukho izinto ezininzi, ezitshintshileyo nezingaguqukiyo, eziya ekuqaliseni izinga lomshuwalense wemoto yakho. Nazi ezinye izinto eziphambili ezichaphazela iindleko eziqhelekileyo zomshuwalense wemoto eMelika:
Iinguqu ezingaguqukiyo ezichaphazela iindleko ze-Inshorensi
1. Ubulili: Uxolo, ndoda. Ukuba ungumntu, ukhangeleka ngokubanzi njengomqhubi okhuselekileyo, kwaye iqondo lakho le-inshorensi liya kuphakanyiswa ngenxa yoko.
2. Iinguqu ezingaguqukiyo: Zininzi izinto ezichaphazela izinga le-inshurensi yemoto uya kuhlawula ukuba awukwazi ukutshintsha ngexesha elifutshane. Ezi ziquka:
3. Ubudala bakho: Ukuba uselula kakhulu (ngaphantsi kwama-25) okanye usemdala kakhulu, uthathwa njengomqhubi wesifo. Oku kungenza iipriyamu zakho zibiza kakhulu.
Isimo sakho somtshato : Umtshato uthetha ukucinga ngabantu ababini-kunye nemiqondiso kubatshorensi ukuba unobungozi obuncinane kunokuba ukhona kwiintsuku zakho.
Indawo yakho: Ukuba uqhuba ngeManhattan, uninzi amathuba okuba ungene engozini kunokuba uhlala unamathela ezindleleni zasekhaya zaseKentucky ezisemaphandleni.
Kodwa into engacacanga ngakumbi nayo iyadlala: ukuba urhulumente wakho ugunyazisa imilinganiselo ethile ye-inshurensi yemoto enzima kunabanye, unokuhlawulwa imali. UMichigan, umzekelo, ufuna ukuba abahlali babe nokukhuseleka kokuzilimaza kokuzilimala ( PIP ) kwindleko zonyango ezinxulumene neengozi njengenxalenye yomshuwalense wabo wemoto.
Oku kwenza ama-premium eMichigan axabise ngakumbi kunamanye amazwe .
Ukuba uhlala kwindawo apho iintlekele zendalo ziqhelekileyo, oku kungenza ukuba amazinga akho aphakame.
Umsebenzi wakho: Ukuba usebenzisa i-car yakho njengeteksi okanye ukuqhuba ukuqhuba inkonzo, uzakuhlawula ngaphezulu i-inshurensi, kwaye ngokwenene kufuneka uhlawule uhlobo oluthile lwe-inshurensi ngokupheleleyo. Thetha kwenkampani yakho kunye negosa lakho le-inshorensi malunga nendlela umsebenzi wakho unokuchaphazela ngayo izinga lakho .
3 Iinguqu ezide zitshintshayo
Ukuba uzibophezele ukuhlawula imali encinci ye-inshurensi yemoto, kukho izinto ezininzi ongayisebenzisayo. Ezi zinto azilula ukutshintsha ngexesha elifutshane, kodwa ngokusebenza kanzima kunye nokuphikelela, azinakwenzeka.
I-Score Score: Imigaqo yakho yinto eninzi kakhulu yokuthengiselana kwemali iya kuphucululwa kakhulu xa uphucula amanqaku akho. Umlinganiselo wekhredithi ophezulu uthetha ukuba uncinci lomngcipheko wezezimali , kodwa kwakhona wenza ukuba abaqinisekisi baqiniseke ukuba unoxanduva ngokubanzi.
Ukuphucula umlinganiselo wakho wekhredithi, kufuneka uhlawule iibhokhwe zakho ngexesha, rhoqo, gweba amanqaku amaninzi kumanqaku akho okwekhredithi, kwaye usebenzise ngaphantsi kweepesenti ezingama-30 ze-credit card yakho ekhoyo.
Imbali yokuqhubela phambili: Le nto ifanele ibe yinto ecacileyo: ukuba unomdla wokukhawuleza itikiti, ungumqhubi okhuselayo ukuqinisekisa.
Ngokuqinisekileyo, into efana netikiti zokuhamba ngeekhilomitha ezili-15 malunga nomda wokukhawuleza kwindlela ehamba phambili iya kuba nefuthe kwiirhafu zakho ngaphantsi kwezinto ezinjengokushayela ngexesha ukuxiliswa , xa kusemngciphekweni, kuyaqondakala, enye ikwenza ingozi kuluntu-kwaye amaxabiso akho aya kuphendula ngokufanelekileyo. Ukuba uhlawuliswe ithikithi yokukhawulezisa, uya kuba nomuva wempembelelo kwiimali zakho zeprisom. Kodwa ukuba ubanjwe ngenkathi uqhuba ngepembelelo, unokulindela ukuhlawula phantse kabini ukuba umntu oqhelekileyo kwindawo yakho uya kuhlawula.
Ukuthatha ikomiti yokuqhuba ngokuzikhusela okanye ukufaka isofthiwe esilandelayo kwisithuthi sakho kunokuncedisa ukunciphisa ama-premium akho; uthetha kummeli wakho womshuwalense.
Iimpawu zokuqhuba: Ubude beendlela zokuhamba, udla kangakanani usebenzisa imoto yakho kunye nenjongo yintoni, kwaye apho ubeka khona zonke iimpembelelo zakho.
Ukuba uhamba ixesha elide, ubonakaliswe kwiingozi zeendlela ezide kwaye ziphindaphindiweyo, ngoko i-premiums yakho iya kuba phezulu. Ukuqhafaza i-Carpooling, i-telecommuting, kunye nokuthatha isitimela kunokukugcina yonke imali kwiiprayimari.
5 Izinto eziguquguqukayo eziguquguqukayo ezichaphazela iindleko ze-Inshorensi
Ngombulelo, kukho iindlela ezichanekileyo zokugcina imali kwiiprimiyam:
1. Khetha Umgaqo-nkqubo ongezantsi: Uhlaselo olunzulu kunye nazo zonke iipowuni ezongezelelweyo ziza kubiza ngaphezulu kwiiprayimari ngaphezu kokunqongophala kwezabelo eziphantsi. Kodwa gcinani engqondweni ukuba udla ukufumana oko uhlawulayo; ukuba usengozini, mhlawumbi uyavuya ukuba awukhethi le ndawo njengendawo yokubhalwa kwaye ulondoloze.
2. Khetha iSithuthi esincinci esincinane: Lo mdlalo wezemidlalo obalaseleyo? Akukhona nje ukuza kubiza phambili kwaye kwipompo: ukuqhuba isimboti eshushu kuyakwenza ube ngumngcipheko wokuqinisekisa. Ukuba ukhangele ukugcina kwi-inshorensi, uthenge i-minivan, sedan eqondayo okanye iSUV. Kufuneka ujonge kwakhona ukuthenga imoto esetyenziswayo nokufaka izixhobo zokulwa nobusela.
Kubalulekile ukuba uqaphele, nangona kunjalo, ukuba unobungqingili kuwe kunye ne-sexy kunezigebengu kunokuthetha izinto ezahlukeneyo-kwaye ziya kuphazamisa zombini ama-premium akho. I-Honda Accord ethobekileyo iyinqweneleka kakhulu kwizigebengu kwaye enye yezona zithuthi ezibiwe rhoqo.
3. Zithengelele: Yona myalelo omkhulu wegolide ukuba awufanele uhambe kunye nesibonelelo sokuqala. Akunjalo xa uxoxisana nomvuzo wakho, kungekhona xa uxoxisana nexabiso lesithuthi sakho, kwaye ngokuqinisekileyo akunjalo xa uthelekisa ukuyothenga i-inshurensi yemoto.
Usuyazi ukuba akuwona onke amanqanaba okubaluleka adalwe alinganayo, kodwa ade uhambe kwaye ubone oko kukhoyo, awuyi kuze wazi ukuba ngaba ungayifumana into efanelekileyo yeyona mali oyifunayo.
4. Cela malunga Neziphulo: Ngaba ungumfundi othe ngqo-A? Umsebenzi osebenzayo emkhosini? Ilungu leAAA? Unokufumana isaphulelo kwi-premium yakho yomshuwalense. Kodwa nakhu kubanjwa: iinkampani ezahlukeneyo zinikeza iintlobo ezahlukahlukeneyo zokhuthazo, ngoko uya kufuna ukuyithenga ngeenxa zonke kwaye ubuze i-inshorensi yee-inshurensi malunga nalezi izaphulelo.
5. Cinga ukuxhamla: Ukuba usebenzisa umxhasi omnye we-inshurensi yemoto kunye neentlobo ezahlukeneyo ze-inshurensi, uya kufumana isaphulelo.