10 Zvinhu Zvaunofanira Kuziva NezveInishuwarenzi Pfungwa

Will My Auto Insurance Mitengo Inowedzera Mushure meThikiti kana Njodzi?

Inishuwarenzi Zvikamu

Iwe uri kutora zvinyorwa zvemotokari yemotokari uye uchiedza kuwana zvakanakisisa kukosha kweinishuwarenzi. Iwe unowana purogiramu yakakura iyo inokwanisika uye inopa zvose zvarudzo zvaunotarisira; asi ipapo kambani ye inshuwarisi inodzoka uye inokuudza kuti mari yebhadharo yeinishuwarenzi yakanyanya kupfuura iwe yaimbove yakataurwa. Chii chakaitika? Zvinogona kuva nekuda kwehushuwarisi pfungwa .

Ini nhovo dzevhuni iko kukanganisa kunongororwa nepamusoro pechitoro chako chekufambisa nedhipatimendi rako rehurumende yemotokari yekuputsika kwemigwagwa uye / kana njodzi dzekukanganisa. Nhamba yezvikwata zvinowanikwa kune reisensi yako yekufambisa kwechivi chinopesana nehurumende. Makambani akawanda einishuwarenzi achaongorora chekuita yako yekufambisa asati apedzisa inshuwarheni yako yepamusoro kana zvichida mushure mekunge watenga mutemo wemotokari. Muchikamu chekupedzisira, kana mabhizimisi ako ekufambisa kubva munharaunda yako yehurumende yemotokari achidzoka achiratidza matikiti / njodzi dzausina kutanga uchitaura pamusoro pehushu yako yehushuga, yako auto motokari yemari inogona kuva yakakwirira zvakanyanya kudarika mutengo wekambani yeinishuwarenti yakambotaurwa.

10 Zvinhu Zvaunofanira Kuziva NezveInishuwarenzi Pfungwa

Saka, shandisa kushingaira kwako kwakakodzera uye dzidza zvakawanda pamusoro pezvinhu zvinogona kuita kuti auto yako yeruzhinji inowedzera kuwedzera kusanganisira zvinhu izvi 10 zvaunofanira kuziva pamusoro pehutano huno .

1. Haasi matikiti ose kana njodzi dzinopedzisira dziri pamakero ako ekufambisa . Kutya zvinokanganisa zvinogona kunge zviri kutama kana kusapfurikidza kudarika. Kazhinji kacho, kukanganisa kwekutanga, kusaputsika kusingaiti kunopedzisira kusaguma pakudhakwa kwako kwekutyaira. Kusaputsika kwekusatendeseka kune zvinhu zvakadai sekusapfeka bhanhire rechigaro kana kukundikana kuunza uchapupu hwe inshuwarisi pawakamira. Uyewo, pane nguva dzose mukana wekuti mapurisa ehurumende haagoni kuudza kukanganisa kudhipatimendi yemotokari, kunyanya mumamiriro ekutanga anokanganisa. Zvechokwadi, iwe haugoni kuva nechokwadi cheizvi pasina kutarisa rekodhi yako yekufambisa.

1. Hasi dzose dzinoshandisa izwi iri . Kunyange zvazvo nyika dzakawanda dzinoshandisa imwe nzira yekutarisa kudarika parekhodi yako yekufambisa, kwete dzose dzavanoita. Saka, mikana ndeyekuti, kana iwe uchigara mune imwe nyika isingashandisi purogiramu yenheyo, rekodhi yako yekufambisa inogona kunge isina kuratidza kudarika. Kune mapfumbamwe anotaura kuti iye zvino haashandisi nheyo yenzira, kusanganisira Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Washington, uye Wyoming . Asi zvakadaro, nokuti iwe hausi kugoverwa zvinopesana nepamusoro pekutora zvinyorwa zvako hazvireve kuti kutadza kwako kwekutya kunenge kuchiregererwa. Izvi zvinotarisa kutyora kwako kwekutya uye kana ukaenderera kuunganidza zvikanganiso, rako reisensi rinogona kugadziriswa.
2. Chiremba chevhavha yepayipi uye inshuwarisi yepurisi haisi chaicho chinhu chimwe chete . Kana usina chokwadi pamusoro pemutengo we auto auto quote, bvunza mutengesi wemu inshuwarisi zvakawanda pamusoro pezvipi zviri kutengeswa pa auto auto quote uye kuti izvi zvinokanganisa sei premium. Iwe unogona kubhadharwa nehushuwarhu hunoonekwa nekambani yeinishuwarenzi pachako panzvimbo yepasiti inopomerwa pairi reisense yako yekufambisa. Iwe unogona kubhadhara zvimwe zvekutengesa motokari inobva kune yaunogara, rudzi rwemotokari iwe unotya kana kuti yekare auto auto inshumo iwe waisa.

1. Iwe unogona kukwanisa kubvisa inshuwalisi kubva kune yako rekodhi yekufambisa nekuenda kune imwe yepamutemo yekufambisa motokari . Izvi zvidzidzo zvinowanzodzidzisa nzira dzakanaka dzekuchengeteka kwemigwagwa. Mune zvimwe zviitiko, kutora nzira yakagamuchirwa kunogona kuchengetedza kukanganisa kunobva kunze kwekodhi yako yekufambisa zvachose. Iyi sarudzo dzimwe nguva inowanikwa mumatare emigwagwa uye ndiyo nzira yakanaka yekuchengetedza auto auto inshuwaridhe yako kubva pakuwedzera.
2. Iwe unofanirwa kuziva ruzivo rwako rwekutya usati wazvitenga mutemo wemotokari . Nzira yakanakisisa ndeyokuziva kuti MVR yako (Motor Vehicle Record) inoratidzei musati maedza kutenga motokari yemotokari kana kushandura makambani endhuwarisi. Icho chinonyanya kuitika kuti chero motokari yemugovera anokwanisa pane imwe nguva aongorore rekodi yako yekufambisa. Kana iwe usingatauri nezvekitikiti chero ipi zvayo kana njodzi dziri parekhodi yako yekufambisa, yako auto auto quote haichazove yakarurama uye iyo yehutori ichakwira apo iyo inshurensi inosvika mushumo weMVR yako. Kana usinganyatsozivi kuti zvikanganiso zvakanyorwa pane rekodhi yako yekufambisa, iwe unogona kuwana kopi kubva kuhofisi yako yeNobvu yeHurumende nokuda kwemari shoma. Mari inoshandiswa inosiyana kubva kune imwe nyika kuenda kune imwe nyika. Mimwe michina inowanikwa paIndaneti inopawo ruzivo rwehuwandu hweMVR yako, asi nokuda kwebhadharo yakanyanya.

1. Mitikiti uye njodzi handizvo chete zvinhu zvinogona kuwedzera yako auto insurance premium . Kana iwe ukacherechedza motokari yemainishuwarenzi kuwedzera muhurukuro, mutadzi angave chimwe chinhu kunze kwekunyorera purogiramu yako yekufambisa. Kana iwe uine chikwereti chakashata, vazhinji vatsigiri vebhaji vanobhadhara premium yakakwirira. Uyewo, kana uchangobva kutamira, nzvimbo yako inogona kuonekwa se "njodzi yakanyanya" inoreva kuti kune mamwe magwara uye njodzi dzinowanzoitika. Kushandura motokari kunogonawo kuita kuti motokari yako yeruzhinji iwedzere kuwedzera. Iyi motokari inowedzera mari yakawanda kuti iwane: motokari dzemotokari , motokari dzemotokari , kutendeuka , motokari dzinoshanda zvisina kunaka mukuchengetedzwa kwekuchengetedzwa uye motokari dzine injini inotengesa turbo .
2. Mamwe maitiro ezvokuputsa achawedzera yako auto auto inshumo . Kuputsika kukuru kunowanzonzi kudhipatimendi yemotokari zvichazoonekwa pane zvinyorwa zvekutyaira. Zvimwe zvekuputsika kukuru zvinosanganisira kukwikwidza, kuvhara kana kukanganisa kutyaira, kutyaira kusina maturo , kuramba kufema kufema kweBDI, kushaya uye kumhanyira (kusakwanisa kumira), kutiza kubva kumapurisa kana kutyaira pachisimiriro chakamiswa . Kana iwe ukapedza kutyora kwakanyanya, wako motokari bhizimisi anogona kukonzera kugoverwa kwako. Kana izvi zvikaitika, iwe unogona kuonekwa somutyairi wepamusoro uye unokwanisa chete kutenga motokari huru yemotokari kubva kune anotakura anopa iyo. Aya ma-inshuwarisi anowanzopawo SR-22 zvinodiwa kana iwe uchida kuifambisa nehurumende yako.
3. Iko kune kumwe kudarika kunowanzosaisa huwandu hwehushuwarenzi yako . Kukanganisa kwekutanga, kukanganisa kuduku kusingasviki kungave kusingaoneki pareji yako yekufambisa kana kuchinja yako inshuwarheni yemari. Zvisinei, kana iwe uchiramba uchiwana matikiti mazhinji ezvinyorwa zvishomanana, iwe ungapedzisira uine mapepa emhosva pamutemo wako wekutyaira. Zvimwe zvezvikanganiso zviduku zvinosanganisira: bhanhire rekuchengetedza kana chigaro chevana , kusakwanisa kubvumira, kukurumidza, kusafambisa kana kutendeuka , kupfuudza bhazi rechikoro, kupera kwepaisensi yekufambisa, pasina uchapupu hwe inshuwarisi, kuputsika kwemagetsi emwenje, kwete kuratidza hovha yepaiti, kuputsika kwepakisi, kuputsika kwevhu, kunyorwa kwekunyora, kukundikana kuonekwa kudarika, kutumira mameseji kana kutevera zvakanyanya .
4. Izvo zvakaoma kuziva kuti mari yako yeupururu ichawedzera sei . Hapana nzira yekuudza kuti mari yako yehushandi yehushandi inowedzera sei kana tikiti kana njodzi ichitsanangurwa parekhodi yako yekufambisa. Kambani yese yehushuwarenzi ine mazano ayo okuverenga inshuwarisi yehutano uye kuti huwandu huno huchawedzera yako auto auto mahara. Kana uine kambani yeInishuwarenzi iyo inopa kukanganwirwa kwebasa , mitero yako inogona kusakwira zvachose mushure mekunge iwe wekutanga yaitika.
5. Kukanganisa kukuru kunogona kukanganisa inshuwarheni yako yepamusoro kwemakore gumi . Nguva yenguva yekukuvadza icharamba iri pamutambo wako wekutya yakasiyana nehurumende. Nokuda kwemhosva huru yakadai seDUP, vatsigiri vega motokari vanogona kutarisa rekodhi yako kure kure nemakore gumi. Nokuda kwezvimwe zvinokanganisa, kambani ye inshuwarisi inogona kungotarisa rekodi yako yekufambisa kwemakore matatu apfuura. Kana usina chokwadi, iwe unofanira kubvunza mumiririri wekambani kuti atsanangure mashandiro einishuwarenzi anoshandiswa kuverenga yako auto auto inshumo.

Pano Ndizvo Zvaunogona

Chokutanga pane zvose, kana uchitenga auto inshuwarheni, unofanirwa kuwana kopi yekurekodha yako yekufambisa kubva kuDMV yenyika yako (dhipatimendi yemotokari) . Dzokororai rekodi yako uye kana uine matikiti / njodzi pane rekodhi yako yekufambisa, tenga zvakatenderera kuti uwane mazinga akanaka. Auto inshuwarano kuenzanisa zvikamu zvakadai seConcer.com , CoverHound , NetQuote , kana Insure.com inogona kubatsira mune izvi.

Usati waita sarudzo yekupedzisira pane wako auto insurer, inobhadhara kutarisa rekambisi yeinishuwarenzi yekodhi rebasa rekambani kuburikidza nemasangano evatengi zvakadai seJD Power & Associates uye nhare yezvemari kuburikidza nemasangano ehushuwarisi akadai se AM Best .

Inobhadhara kuva wechokwadi paunishuwarenzi yako nokuti kambani ye inshuwarisi ichaongorora rekushandisa yako yekufambisa nokukurumidza kana kuti gare gare uye iwe uchabhadharwa premium inobatanidza nekuputsa kwekufambisa kunowanikwa ikoko. Tora kirasi yekufambisa kana zvichibvira kubvisa zvimwe zvekuputsa uku uye ita nepaunogona napo kuti ugare tiketi uye pasina ngozi. Mushure mechinguva, kutyora kuchawa kubva pakudhairi yako yekufambisa uye yako auto insurance premium ichaderera.