Pane zvinhu zvizhinji, zvose zvinoshanduka uye zvisingachinji, izvo zvinopinda mukugadzirisa motokari yveshuwarisi yako. Heano zvimwe zvikonzero zvinokosha zvinokonzera kuwanda kwemari yemotokari yemotokari muAmerica:
Zvimwe Zvisingachinjiki Zvinobatsira Mari YeInishuwarenzi
1. Gender: Ndine urombo, vanyengeri. Kana iwe uri murume, iwe unofadza zvikuru munyika yose unoonekwa semutyairi we riskier, uye inishuwarenzi yako ichave yakakwirira zvakanyanya sechiguma.
2. Iko Haisi Kuchinja Kwazvo: Pane zvinhu zvakawanda zvinokanganisa motokari yemainishuware iwe uchabhadhara kuti haugone kuchinja munguva pfupi. Izvi zvinosanganisira:
3. Zera Rako: Kana uri muduku zvikuru (pasi pemakumi maviri nemashanu) kana wakwegura zvikuru, unofunga kuti uri mutyairi we riskier. Izvi zvinogona kuita kuti premiums yako inodhura.
4. Mamiriro Akaroorana: Muchato unoreva kufungidzira vanhu vaviri-uye zviratidzo kune vatsigiri vekuti hausi mungozi kupfuura iwe mazuva ako oga.
5. Nzvimbo Yako: Kana iwe uchifambisa kuManhattan, iwe unowanzoita kuti uwane njodzi kupfuura iwe kana iwe kazhinji uchiomerera kumigwagwa yekumaruwa yekumaruwa.
Asi chimwe chinhu chisina kujeka chinowanikwawo: kana hurumende yako inotora mamwe maitiro emishuwarisi yemotokari yakasimba kudarika vamwe, iwe unogona kubhadhara mari yakawanda. Michigan, somuenzaniso, inoda vagari kuti vave nehupenyu husingagumi hwehupenyu hwekuzvidzivirira kwepanyika ( PIP ) yemari inoshandiswa pangozi-soro sechikamu chemotokari yavo yemotokari.
Izvi zvinokonzera mapurisa muMichigan anodhura kupfuura mune dzimwe nyika .
Kana iwe uchigara munzvimbo inowanzoitika njodzi dzinongoitika dzoga, izvi zvinogona kukonzera kuti mitero yako iwedzere.
6. Basa Rako: Kana uri kushandisa motokari yako sekutengesa teksi kana kutyaira kune imwe sangano rinoshandiswa, iwe unotofanira kubhadhara zvakawanda kune inshuwarisi, uye iwe unogona kunge uchida kubhadhara rudzi rwakasiyana rwe inshuwarisi zvachose. Taura nekambani yako newaini yako yehushuwarisi pamusoro pekuti basa rako ringakanganisa seiko yako .
3 Kushanduka Kwemazuva Akareba
Kana iwe ukazvipira kubhadhara zvishomanana kumotokari yemotokari, kune zvinhu zvakawanda zvaungashanda. Zvinhu izvi hazvisi nyore kuchinja munguva pfupi, asi nekushanda zvakaoma nekushingaira, hazvisi zvisingakwanisi kuita.
1. Chikwereti chekubhadhara mari: Zvaunoda kuti uite zvakanyanya kutengeserana kwemari zvichavandudzirwa zvikuru kana iwe uchivandudza chikwereti chako chekwereti. Chikwata chekwereti chakakwirira chinoreva kuti iwe hausi wengozi yemari , asi unoitawo inshuwarisi kuvimba kuti iwe unofunga zvakanyanya.
Kuti uvandudze chikwereti chako, iwe unofanirwa kubhadhara zvikwereti zvako nenguva, nguva dzose, usazvidza zvekare zvekuongorora chikwereti chako, uye shandisa pasi pe30 peresenti yekwereti yako iripo inowanikwa.
2. Kufamba Nhoroondo: Uyu unofanirwa kuve wakajeka: kana iwe unowanzokwanisa kutengesa matikiti, iwe uri mutyairi we riskier kuti ugare.
Zvechokwadi, chimwe chinhu chakafanana netikiti yekufamba makiromita gumi nematanhatu pamusoro pekumhanya kwemugwagwa unozoita kuti huwandu hwemari yako huve shoma pane chimwe chinhu chakafanana nekufambisa kana uchidhakwa iwe, kana uine ngozi, inonzwisisika, uye imwe inokuita dambudziko kuvanhu-uye mitero yenyu ichapindura zvakakodzera. Kana iwe wakabhadharwa nekiti yekufambisa, iwe unonzwa zvechokwadi kuchinja muhoyamisi yako. Asi kana wakabatwa uchifambisa pasi pesimba, unogona kutarisira kubhadhara kaviri izvo munhu wepakati pemunharaunda yako angabhadhara.
Kutora gwara rekudzivirira kudzivirira kana kuisa software yekufambisa pamotokari yako kunogona kubatsira kudhura mari yako yepurayamisi; taura newaini yako yehushuwarisi.
3. Miitiro yekufambisa : Nguva yekufamba kwako, nguva yakawanda sei uchishandisa motokari yako uye chinangwa chei, uye kupi iwe unopinda zvose zvinokanganisa mahora ako.
Kana uine nguva refu, iwe unotarisana nezvengozi dzemugwagwa kwenguva yakareba uye kakawanda, saka yako yepurayamisi ichave yakakwirira. Carpooling, telecommuting, uye kutora chitima zvese zvinogona kukuchengetedza mari mumapurayamisi.
5 Zvigadziriswa Zvisingashanduki Zvinoshandisa Mari Inowanikwa MuInishuwarenzi
Ndinofara, pane nzira dzakananga dzekuchengetedza mari pamabhiriyumu:
1. Sarudza Purogiramu Yakaderera: Kujekesa zvakakwana pamwe nezvose zvinowanikwa zvinowedzera mari yako muhurukuro pane zvishoma zvishoma zvinotarisirwa kuvharwa. Asi ramba uchifunga kuti iwe kazhinji unowana chaunobhadhara; kana uri mungozi, iwe unogona kunge uchifara kuti hauna kusarudza ichi senzvimbo yekunyora uye kuchengeta.
2. Sarudza Motokari Inotasva Inofadza: Iyoyo yemotokari yakashata yakaisvonaka? Haisi kungokubhadhara mberi uye pamapombi: kutyaira tsvimbo inopisa kunoita kuti iwe urege kuvhara. Kana uri kutarisa kuti uchengetedze painishuwarenzi, tenga minivanesi, sedantic sedan, kana SUV. Iwe unofanirwawo kufunga kutenga motokari yakashandiswa uye kuisa anti-theft devices.
Zvakakosha kucherechedza, kunyange zvakadaro, kuti sexy kune iwe uye zviduku kune vanoita zvemhosva zvinogona kureva zvinhu zvakasiyana-uye zvose zvinokanganisa mahora ako. Iko kuzvininipisa kweChristian Accord yakanyanya kunaka kune vanopara mhosva uye imwe yemotokari dzinowirwa kazhinji kunze uko.
3. Zvokutengesa: Zvakanaka kwazvo mutemo wegoridhe wausingafaniri kuenda nechipo chekutanga. Kwete kana uri kutaurirana nemari yako, kwete apo uri kutaurirana mutengo wemotokari yako, uye zvechokwadi hausi iwe paunenge uchifananidza kutenga mabhizimisi motokari.
Iwe unenge uchiziva kuti haasi maitiro ose ekugoverwa akaumbwa akaenzana, asi kusvikira waenda kunze uye unoona zviripo, hauzombozivi kana iwe uri kuwana zvakanakisisa zvekutengesa kwehuwandu hwehuwandu hwaunoda.
4. Bvunza Pamusoro peRudzikinuro: Iwe uri mudzidzi wakarurama-A? Basa rakashanda muuto? Nhengo yeAAA? Iwe unogona kunge uchikodzera kubhadharwa paunishuwaimisi yako yehushuga. Asi pano ndiyo inobata: Makambani akasiyana anopa mhando dzakasiyana dzekukurudzira, saka iwe zvechokwadi unoda kutengesa uye ugobvunza vashandi ve inshuwarisi pamusoro pezvikomborero izvi.
5. Cherechedza Kubhadhara: Kana ukashandisa imwechete inshuwarisi mutarisiri wemotokari uye zvakasiyana-siyana zve inshuwarisi, iwe unowanzotora zvishoma.