01 Izinto zeemoto
Unyaka: Unyaka wezithuthi zakho uthintela izinga lakho le-inshurensi. Iinqwelo ezitsha zingaphinde zithole isaphulelo semoto ngokuya kwi-car carrier yomshuwalense .
Yenza: Iyiphi inkampani yemoto eyenza imoto yakho inokuchaphazela neendleko ze-inshurensi yemoto yakho. Amaxesha amaninzi ukwenza uphawu lwexabiso lesithuthi. Ingaba imoto yezinto ezithandekayo ngaphandle okanye i-American eyenziwe nge-minivan? Ngokuphindaphindiweyo imoto yangaphandle ibiza iindleko ezingaphezulu ukuqinisekisa ukuba iinxalenye ziba nzima ukuba zithengise kwaye zingaphantsi kwezitolo zisebenze kuzo.
Umzekelo: SE, SEL, GT, zonke iinguqulelo ezahlukeneyo zohlobo olufanayo. Umqhubi wakho imoto ngokuqhelekileyo iyabiza ukuqinisekisa. Umzekelo wesiseko umnyango omine wisoloko uyona ndlela ephantsi kakhulu yokungena kuphela xa uthengisa isithuthi kodwa nalapho uhamba ukuthenga i-inshorensi.
Iimpawu zokuKhuseleko kweZithuthi: Iinkampani ze-inshurensi ziyakuthanda iifowuni zomoya Ziyaboniswa ukukhusela umqhubi kunye nabagibeli. I-PLPD kuphela inkcazo kwizithuthi endala ezingenazo i-airbags ezinokuba zibiza kakhulu kune-PLPD kwisithuthi kunye ne-airbags ezimbini. Iindleko zonyango zesithuthi zihambelana nokhuseleko olupheleleyo lwesithuthi sakho.
I-Alarm yemoto: Iinkampani zee-car alarm zifuna ukwenza ukuba kubonakale ngathi ukugcinwa kwe-inshurensi yakho kuya kugubungela iindleko ze-alamu, nangona kunjalo akunakwenzeka. Phantse yonke inkampani yomshuwalense wemoto inika isaphulelo kwi-alamu xa ukhetha ukufikelela ngokubanzi kwipolisi yakho. Iimoto ezibiwe ngokubanzi, ngoko isaphulelo se-alamu sisetyenziswe kuphela kwiindleko zokufikelela ngokubanzi. Ukulondolozwa kaninzi kuncinci, kodwa kuxhomekeka apho uhlala khona kunye nexabiso lezithuthi zakho. Ngelo xesha, yonke into encinci inceda xa ifika kwiindleko ze-inshurensi .
Umqulu othengiweyo: Kuyabonakala ukuba ukufunyanwa kwenkxaso-mphulo yakho eyongezelelweyo ufuna ukuba i- inshurensi yemoto yakho ibe neendleko. Ukuqwalasela okokufunayo kunye nento efunekayo kubalulekile. Ukuba unzima ukugqiba isigqibo malunga nekharityhulam elifanelekileyo, funa icebiso le-arhente yakho.
Inani lezithuthi Uqinisekisa: Ukufakela imoto engaphezulu kweyodwa kwipolisi yakho kunye negalelo lokubambisa iza kubangela ukukhutshwa kweemoto ezininzi . Isaphulelo siya kusebenza kwisithuthi ngasinye kodwa asinyuli njengoko ungeze isithuthi esithile kumgaqo-nkqubo.
02 Izinto zokuqhuba
Ubudala: Ingaba uneminyaka eyi-16, 25, 45, okanye iminyaka engama-65 ubudala ubudala wakho unempembelelo kwiindleko zomshuwalense wemoto. Zonke iinkampani ze-inshorensi zineenkomfa zodwa kwixesha elingakanani elifumana isaphulelo esicatshulwa kodwa i-biggie isoloko ineminyaka engama-25 ubudala. Kubonakala sengathi iminyaka engamashumi amabini anesihlanu ubudala yinkampani yeminshurensi yeminyaka yobudala ithi ufanelekile kwizinga elikhethiweyo.
Ingxelo yokuqhuba : Iinkampani ze-inshurensi ayinayo into eninzi yokuqhubekayo xa kuthethwa ukugweba amandla okuqhuba umqhubi. Imvelaphi yabo kuphela yenkcazelo yirekhodi lakho lokuqhuba. Imali oyihlawulayo yomshuwalense wemoto iya kuhambelana ngqo nembali yakho yokuqhuba imicimbi kuquka neengozi kunye nokuphulwa kweendlela.
Inombolo yabaqhubi: Ukongeza omnye umqhubi kwintengiso yomshuwalense wakho inokuchaphazela intlawulo yakho. Ngokuqinisekileyo xa ukongeza umqhubi omncinci kumgaqo-nkqubo wakho amaxabiso akho uya kuphakama. Ukuba nabaqhubi abaninzi kunokuba izithuthi zibe yinto entle kuba kuba ngabaqhubi abongezelelweyo bangabhalwa njengeziqhubi zesoloko kunokuba ngumqhubi oyintloko.
Uzinzo lwezeMali : Qaphela amanqaku akho ekhredithi kuba iinkampani ezininzi ze-inshorensi ziyisebenzisa njengesiseko senqanaba lakho le-inshurensi. Ubungcono kumanqaku akho ngcono izinga lakho le-inshurensi.
Ubungqina bomshuwalense wezeMpilo e-Primary: Ukuba unesiseko se-inshorensi yempilo, ungadinga ukuthenga uncedo oluninzi lwezonyango kwi-inshurensi yemoto yakho. Imida yokuxhatshazwa kwezonyango ngokuqinisekileyo iyahluka ngurhulumente ukuze uhlolisise kunye negosa lakho le-inshorensi kwizinto ezicetywayo.
Ubunini bekhaya : Ukuba okanye unayo ikhaya lidlala indima kwindlela ohlawula ngayo iinshurensi. Uninzi lwabaxhasi be-inshurensi lunikezela isaphulelo sezindlu kunye nephulo lokuphuhlisa umgaqo-nkqubo ngaphandle kokuba uqinisekisa yonke imigaqo-nkqubo kunye nomphathiswa ofanayo. Iinkampani zomshuwalense zijonge abanini bezindlu ukuba zizinzile kwaye zizinzile zibonisa umngcipheko ophantsi.
Apho Uhlala khona: Indawo, indawo, indawo, ewe kuyachaphazela ne-inshurensi yemoto yakho. Ukuba uhlala kwindawo ephakamileyo yamabango kuya kuthintela iirhafu zakho. Ubusela obuphakamileyo okanye indawo eziphezulu zokukhwabanisa i-inshorensi . Ngamanye amaxesha imimandla yasemaphandleni inokuhlawula ngakumbi ngenxa yevolumu yengozi enkulu . Iiinkampani zomshuwalense nganye zineenkqubo zabo zokumisela amaxabiso, ukuqonda nje ukuhamba kunokutshintsha izinga lakho le-inshurensi yemoto .
Imfundo / Umfundi Olungileyo : Abanye abathwali bomshuwalense banikela isaphulelo kwizinga lakho lemfundo. Okuphakamileyo kwinqanaba lemfundo lakho likhulu kakhulu isaphulelo. Abafundi abalungileyo bavuzwa ngamanani aphantsi. Ukufumana amabakala amahle kunye nokugqiba umsebenzi wekhosi yekholeji kudinga inqanaba elithile loxanduva. Nantoni na ebonisa uxanduva kwinkampani yomshuwalense ngokuqhelekileyo inikezelwa isaphulelo.
Imilinganiselo yangaphambi kweMfanelo: Iinkampani ze-inshurensi zikhetha imida yokuxanduva lokuba yi-100/300, i-100,000 ngomntu ngamnye kunye ne-300,000 ngengozi. Amanani aphantsi anikwe abaqhubi ngexesha lokuthenga umgaqo-nkqubo omtsha ukuba uthetha imida ekhethiweyo. Uninzi lwama-agent aluxubushe ngalo mphumela kwi-premium yomshuwalense kwaye ulinganisa ngokwemiqathango oyibhale kuyo kwimigaqo yakho yangoku.
03 Iinkampani zeNkampani yomshuwalense
Inzuzo: Ikhampani nganye ye-inshorensi ibhekiselele kwi-set set of issues benefit. Yona nto engaziwayo eyenza iirhafu nganye zeenkampani zomshuwalense zihluke. Zininzi izinto ezichaphazela inzuzo njengemimozulu, utyalo-mali kunye nokubhala phantsi.
Izicwangciso zentlawulo : Iinkampani zomshuwalense zinikeza izicwangciso ezahlukeneyo zokuhlawula. Ukukhetha izicwangciso ezahlukeneyo zokuhlawula kunokuchaphazela iindleko zakho jikelele. Njalo uhlolisise ukugcina imali ngokuguqula isicwangciso sakho sokuhlawula nokuba ngaba ngumgaqo wakho okhoyo okanye ukuba uthengela umthumeli womshuwalense omtsha.
Ubude bexesha eliKhuseliweyo: Njengenkuthazo eyongezelelweyo yokugcina ishishini lakho, iinkampani ezininzi ze-inshorensi zinika ixabiso elincinci kubaxhasi ababenabo ixesha elide. Esi saphulelo sisoloko sincinci kodwa sisinceda ngokukhawuleza.
Imithetho kaRhulumente: Iinkampani zomshuwalense kufuneka zithobele imithetho yelizwe ohlala kuyo. Kuthetha ukuba awukwazi ukuhla ngaphantsi kwemida emncinci yomgangatho wakho. Ngaphezulu, ukuba urhulumente wakho unemali eyongezelelweyo njengemali ye- MCCA yaseMichigan, bobabili kunye nenkampani yomshuwalense kufuneka uthobele.