Zvidzivirire Nezivo Kuti Ubatsire Chengetedza Iko Auto Auto Insurance yako
Pazasi pane zvikonzero gumi zvaungave usina kuziva nezvazvo zvingaita kuti iwe ubhadhara zvakawanda nekuda kwemotokari yemotokari . Tora izvi uchifungisisa uye iwe unogona kuwana nzira dzekuchengetedza kunyanya pane yako auto auto premium. Kuti ikubatsire kuita chigumo chekupedzisira pakuwana zvakanakisisa kukosha kweinishuwarenzi yako ; iyo inogonawo kubatsira kushandisa inshuwarani kuenzanisa mawebsite akaita seNetQuote , CoverHound , Insure.com , Insweb.com uye akawanda akawanda.
# 1 Unotenga Pane Kuti Uve Neimba Yako
Zvingakushamisa iwe kuziva kuti vashandi vanobhadhara zvakawanda nekuda kwehutano inshuwarheni pamwero wepamusoro kune vadzidzisi veimba neanenge 6 kubva muzana vanobvumirana ne Consumer Federation of America report. Kusiyana nemotokari yemakambani emakambani vane mazano avo ekuverenga maitirwo uye kwete vose vanowedzera mari kune vashandi saka vanokubhadhara kuti uongorore izvi usati watenga auto inshuwarisi. Iwe unogona kukumbira zvakananga kana iwe uri kukwidzwa mari yepamusoro nekuti iwe hauna imba.
Kana mhinduro yacho hongu, ipapo iwe ungangove uri nani pakutengesa motokari yako yemari kuburikidza nerimwe kambani.
# 2 Motokari Yako Inoita Zvisina Mwero muChikoro Studies
Kana motokari yako ichiitika kuva mufananidzo usingashande zvakanaka mukuparara zvidzidzo zvekuchengetedza; mune mamwe mazwi, kutora kwako uye motokari yemotokari inowedzera kukuvadzwa mukuputika kune mamwe emhando dzemotokari; izvi zvinogona kuwedzera inshuwarisi yako yepamusoro.
Iyi motokari inofungidzirwa kuva ngozi yekuchengetedza kambani yako yveshuwarenzi. Kuti urege kudzivirira mari yakakwirira mu inshuwarisi, tarisa kuti motokari dzakagadziriswa zvakanakisisa pakuparara kwekuedzwa kwakaitwa neNational Highway Traffic Safety Administration (NHTSA) uye Inishuwarenzi yeHighway Safety (IIHS).
# 3 Une Nguva Yakareba Yomushandi
Kune vanhu vane rwendo rurefu kuenda nekubva kubasa, kuenda kwako kunogona kukukwereta zvakawanda mumotokari yemotokari. Mune maziso ekambani ye inshuwarisi, iwe paunenge uchifamba mumugwagwa zuva roga roga, iwe unowanzove wakabatanidzwa mune imwe njodzi. Hazvirevi kuti iwe hausi mutyairi akachengeteka, asi iwe hauzive nezvezvaungasangana nazvo paunenge uchienda; mamiriro okunze emamiriro ekunze, kugadzirwa kwemugwagwa, kunonoka kwemigwagwa, vatyairi vasina kukwana, kana zvakadaro. Kana iwe ukwanisa kuwana nzira yekudzikisa basa rako rokutendeuka kana zvimwe kunyange carpool mazuva mashomanana pavhiki, unogona kuguma kuponesa pa auto auto premium.
# 4 Motokari Yako Inowedzera Kuba
Imotokari yako iyo iyo mbavha yemotokari ingada kuisa maoko ake pamusoro? Mhando dzemotokari uye zvemitambo dzinoita sokuti dzinogona kunge dziri kunangwa kune mbavha uye kambani ye inshuwarisi ichaita kuti izvi zvive muhuturo yveshuwarisi. Dzimwe nguva, mbavha dzingatotombotarisa motokari yacho yose asi iine "dzimwe nhengo dzemotokari" dziri kudiwa zvakanyanya.
Haisi nguva dzose motokari dzinodhura kana dzinotyisa dzinobirwa kana. Tarisa kunze kwepamusoro 10 motokari dzinofanirwa kuziva kuti motokari dzipi dziri panjodzi yekubiwa.
# 5 Iwe Wakave Wakaipa
Mamwe makambani einishuwarenzi anoshandisa zvikwereti zvako zvepurogiramu mukugadzirisa mari yemotokari yako. Kana iwe uchifanira kupa huwandu hwekuchengetedzwa kwehuwandu hwevanhu kuti uwane auto inshuwarti quote, unogona kutarisira kuti chikwereti chako chichazoongororwa uye chinoshandiswa sechimwe chezvinhu zvinogadzirisa inshuwarisi yako. Kunyange zvazvo izvi zvingaita sezviri kururamisira, kune zvimwe zvinonzwisisika kana iwe uchibvumirana kana kwete.
Zvimwe zvidzidzo, kusanganisira izvo zvakagadzirwa neHerald Trade Commission, zvakaratidza kuti vanhu vane zvikwereti zviduku zvishoma vanobatanidzwa mune dzimwe ngozi dzemotokari uye vanoita kuti varasikirwa zvikuru kune vavanonamata navo vane chikwereti chakakwirira.
Mashoko akanaka pane zvakawanda zvaunogona kuita kuti uvandudze chikwereti chako pane nguva zvakadai sokubhadhara zvikwereti zvako nenguva, kubhadhara zvikwereti uye kuchengeta zvikwereti zvekadhi rako rechikwereti pasi.
# 6 Motokari Yenyu Inodhura Zvimwe Kugadzirisa
Zvinonzwisisika kuti motokari inoda mari yakawanda kugadzirisa inotorawo zvakawanda kuti ive nechokwadi. Kunyangwe iwe unogona kunge uine motokari inoshanda zvakanaka nezvose zvakachengeteka zvaunogona kukumbira, kana motokari yako ine zvikwereti zvinodhura zvekushumira uye inotsiva, inshuwarisi yako inogona kukwira kana ukawedzera iyi yemotokari kumutemo wako. Kuti uwane pfungwa iri nani yekuti motokari yako inogona kudhura kugadzirisa, unogona kutarisa kudzokorora kweMuteereri weVarengeti pamotokari dzinodhura uye dzisingadhuri kuva nadzo.
# 7 Nzvimbo Yako
Dzimba dzepamusoro dzepamhosva uye maguta makuru ane kukwirira kwematambudziko, kuvhara motokari uye zviitiko zvekuparara kwemotokari kune dzimwe nzvimbo dzekumaruwa. Ichi chikamu chetsika dzinofungidzirwa paunotarisa nhamba yako yeupurum premium. Iyo yakawanda nhamba yemotokari dzemotokari uye motokari urovha mune imwe nzvimbo, kunyanya kuzarurirwa kune kambani ye inshuwarisi. Nenguva dzakawanda, uwandu hwe inshuwarisi huchavakirwa pane iyo motokari yakachengetwa kana yakamira. Kuchengetedza motokari yako mugaraji rakavharwa usiku kunogona kubatsira pane dzimwe nguva. Chinhu chimwe chevatori vechidiki mukoroji vanogona kuita kuti varambe vari pamutemo wevabereki vavo. Mamwe makambani achabvumira vadzidzi vekoroji kuti vaite izvi kusvikira mudzidzi apedza kudzidza uye akatamira kune imwe nzvimbo yekugara.
# 8 Une Mufambi Ari Muduku
Kunyange zvazvo iri nguva inofadza uye dzimwe nguva inotyisa yevabereki apo wechidiki anowana chikwata chake uye anotanga kutyaira; iyo inguvawo nguva iyo phobhobook yako inogona kutora yakaoma hit. Kuwedzera wechidiki mutyairi kumapurogiramu ako kunogona kuita kuti premium yako yemainishuware inokwira mazana emadhora pamwedzi. Sei ichi? Masayendisiti anoratidza kuti vatyairi vechidiki vanobatanidzwa mune dzimwe njodzi kupfuura vanodhairi vakura uye vasina ruzivo uye ruzivo rwokufambisa zvakanaka. Edza kukanganisa kuwedzera kwekambani nekutsvaga makambani eshuwarisi anopa vechidiki mutyairi kukanganisa uye kupa chikwereti chekufambisa kudzidzira kudzivirira.
# 9 Iwe Hausi Kuunganidza
Iwe unogona kunge uri kurasikirwa pazvikwereti zvinopiwa nevanotsigisi vemotokari kana iwe usisi kuisa mitsara yakawanda yekugoverana kana "bundling" kuburikidza nekambani imwechete. Izvi zvinosanganisira kuvhara mitsara yakawanda yekugoverwa kuburikidza nekambani yekambisi yveshuwarisi yakadai seimba, vashandi uye auto inshuwarisi. Kuburikidza neEGICO 's customer loyalty discount, auto inshuwarani vatengi vanogona kugamuchira zvishoma kusvika 25%.
# 10 Iwe Hausi Chikoro Chekudzidza
Izvi zvingaratidzika sezvisina kururama asi mamwe makambani ehurumende yemishuwarenzi achakubhadhara mazinga akakwirira kana iwe usina kudzidza kubva kuchikoro. Mharidzo inobva kuFlorida Insurance Commissioner inoratidzira kuti vadzidzisi vane digiri vari kugoverwa vadiwa maitiro emotokari yemitengo. Izvi zvinosanganisira mabasa akadaro sevanachiremba, mashizha, mavoti uye vamwe vanoverengeka. A Consumer Federation of America anorondedzera zvakasarudzwa izvi zvichiratidza vakuru vepambisi vezvigadziro vari kutengesa mitero yakakwirira kune vanodhairi vasiri pasi peyunivhesiti uye vanochengeta bhuruu yebrau yakadai sefashandi vashandi. Mune zvimwe zviitiko, chidzidzo chacho chinoratidza kuwedzera uku muhurukuro yaive yakawandisa 45 muzana.
Iwe hausi kuzoziva nguva dzose kana motokari yemota inofunga nezvehutungamiri hwehutori sechinhu chinokonzera kuverenga yako auto insurance premium. Zvisinei, kuratidza kwakanaka kweiyi mibvunzo pamusoro pemotokari yemotokari yemotokari inobvunza kuti makore mangani ekondari iwe une uye uye kana usina chikoro chejiji.