Icho Chete Rinotungamirirwa kuMota Inishuwarenzi
Pane zvakawanda zvakadai kumotokari yemotokari, inofanira kuva semester-yakareba yechikoro chinodiwa kuchikoro chesekondari. Vanenge vari voga mutyairi weUnited States anodiwa nemutemo kutenga motokari yeruzhinji, asi vazhinji havazivi kuti inoshanda sei. Chii chinofukidza? Zvinodhura zvakadini? Nei kuri mari yakawanda? Unoisa sei kudai? Car inshuwarano mibvunzo yakawanda kwazvo isingaperi. Zvakakosha kudzidza zvidzidzo kubva kune chinyorwa chinozivikanwa.
Zviponese iwe nguva nemari kuburikidza nekudzidza pamusoro pemishuwarisi yemotokari uye bvunza mugove wako mibvunzo munguva yako yose yekutyaira.
Mhando dzeKuti
Mhosva : Kukurukurwa kukuru kune chero motokari yemishandiro yechushumo ndeyemhosva. Inopa kugoverwa kwepamusoro apo motokari inotsigirwa inokuvadza mumwe munhu. Iko kugoverwa kunowanzonyorwa papeji yako yekuzivisa se 25/50/10. Nhamba yekutanga (25) inoreva kusvika pa $ 25,000 inogona kubhadharwa kumunhu mumwe chete akakuvadzwa muchiitiko. Nhamba yechipiri (50) inoreva kusvika pa $ 50,000 inogona kubhadharwa pangozi inokuvadza vanhu vazhinji. Nhamba yechitatu (10) inoreva kukanganisa kwezvinhu izvo zvinoreva kusvika ku $ 10 000 zvekugoverwa kunopiwa kune kukanganisa kwakaitwa kune imwe nzvimbo yeumwe munhu.
Kuparara kwePfuma : Kukuvadza mumwe munhu nemotokari yako? Iwe unoda hupfumi hwekugadzirisa hupfumi kuti uvhare mhirizhonga. Pakuvadzwa kwepfuma kunongoputira kukanganisa kune vamwe. Inogona kuva chero chinhu chinobva kune turfed kumadhora kunotarisira rairi kana mabhosi ema mail. Hazvizobhadhara kana iwe uchikuvadza yako pfuma.
PIP uye Med Pay: Mhando mbiri dzehutano hwehutano dzinowanikwa kune dzimwe nyika, asi dzimwe dzinongopiwa chete.
PIP, kudzivirirwa kwekuzvikuvadza, kunotarisirwa musina mhosva. Inopa hupfumi hwakawanda huripo maererano nekubhadhara mari. Ichapa kugoverwa kwemari yezvechiremba, kurasikirwa muhomwe, kunyange kutowedzera semushande wekusvetwa kana usingazogoni kuita basa rako pachako.
Med inobhadhara zvikukutu zvinowanikwa nevatakuri vemotokari yakavharwa. Inowanzosvika ku $ 25,000 yehuwandu kana kuti zvishoma. Hazvina basa kuti ndiani ari kukanganisa kuitira kuti ibhadharire. Izvo hazvifaniri kushandiswa sechinotsiviwa nehutano hwehutano nokuti ichazobhadhara kunze kwekukuvadza kwakaitika mumotokari yemotokari.
Comprehensive (Zvimwe kunze kwekugadzirisa): Ndiyo imwe yenzira dzakanakisisa dzemishuwarisi yemushuga inowanikwa.
Inowanzozvipa iyo pachayo. Chipi zvacho chakakanganisika mumuviri wako chinogona kuitika kumotokari yako kunze kwekukonana kunoiswa pano. Chimwe chezvinhu zvinowanzozivikanwa ndezvokuvhiringidzwa kwemhepo. Kudzorerwa kwechikwata chemafirimu kunogona kutora mari yakawanda uye yakazara ichawana chiputi chako chizeredza pasina. Kushandurwa kwakakwana kwemafirimu kunowanzoita kuti iwe ubhadhara yako deductible asi mamwe makambani anokubvumira kuti utakure zero inokonzerwa chete negirazi.
Yakazara yakavhara runyora rurefu rweimwe mhando dzekukuvara. Zvinhu zvakadai sechimvuramabwe, mafashamo, dutu guru, zvose zvaizovharwa kana iwe ukatenga zvakakwana. Kurova mbambo, moto, kuba, kuparadza, uye muti unowira nekurova motokari yose yakafukidzwa pasi pasi.
Kurwisana : Kurwisana ndeye apo motokari iri kufamba uye ichirova chinhu. Inogona kuva ibhokisi remakadhi, rail rail, imwe motokari, kana chimwe chinhu chipi nechipi chisina upenyu.
Nzira Yomugwagwa : Inonzi perk, asi inowanzokwanisika. Inogona kubhadhara pachayo pakarepo pane nokukurumidza. Mimwe mitemo inobvumira kugoverwa chete kwechingwe, asi vamwe vanovhara kuvhara, kusvetuka, nekubuda kunze kwegesi.
Nzvimbo Yokweretesa : Kuva nekodzero yemotokari inotora mushure mekutsvaga kunokosha kune vanodhairi vakawanda vasina mari yekuchengetedza. Vamwe vanotakura inshuwarisi vanouya kamwe chete nechinguva chiduku chekugovera kana motokari yako iri mumatambudziko akavharidzirwa. Kana zvisina kudaro, iwe uchada kuwedzera kugoverwa kumutemo wako.
Gap Inishuwarenzi : Owe kupfuura izvo motokari yako yakakosha? Inishuwarenzi yeGap ichavhara musiyano pakati pehuwandu hwemotokari yako uye chaunokwereta kana chiitiko chekurasikirwa kwese kudai. Mikana yekuve nekurasikirwa kwese kwengozi haisi kunyanya kuitika. Izvo zvinoita kuti kugovera kusakoshi.
Deductibles
A deductible ndiyo mari yemari yaunobhadhara kubva muhomwe mushure mekutsvaga kuitira kuti gwara rako rigadziriswe. Iyo yakakwirira yako yakabviswa, yakaderedza mari yako yekutengesa motokari. Deductibles kuchengeta inshuwarisi yakakwana. Deductibles inodzivisa vanhu kubva kunyorera zvikwereti zvekugadzirisa mari shoma. Zvinokurudzirwa kushandiswa motokari yerimari nekuda kwekubhadhara mari uye kwete chekuita zviduku.
Rating Factors
Zera: Iwe unenge watoziva kare, zera ibasa.
Mutyairi witsva anokwereta zvakanyanya. Mamwe mashuwarisi anotakura zvishoma nezvishoma anoderedza muzinga wavo semutyairi wemakore. Zera remakore makumi maviri nemashanu ndiro magic age inshurensi vatakuri vanoona sekutangira kwebateti pazera-based ratings. Sezvo mutyairi kuenda kune mamwe matanho muhupenyu, mitero inowanzotanga kuwedzera. Mumwe mutyairi wemakore makumi manomwe ane makore makumi maviri nemashanu anokwanisa kutengesa mitero yakakwirira semusikana anenge achangova nemvumo.
Motokari: Hongu motokari ipi yaunofambisa inoita mutsauko wese. Saka motokari dzakawanda dzingasarudza kubva uye ivo vakagoverwa dhigirii yakasiyana nemotokari yako inotakura. Kana ukasarudza kirasi, muyero hauna kusiyana zvakasiyana. Fungidzira minivans uye SUV nokuda kwezinga shoma uye motokari yemotokari motokari uye zvimedu sezvinonyanya kudhura kuvhara.
Kutya Zvinyorwa: Vafambisi vakanakisisa vanowana zvakanakisisa mari. Tsamba yakachena yekufambisa inoita kusiyana kukuru. Kunyange tekiti imwe mumakore matatu inogona kuwedzera kukura kwako. Kuputsika kukuru kwakafanana neDII kana kutyaira kusina hanya kunowanzogara pane zvinyorwa zvemakore mashanu. Mataiti mazhinji anokurumidza kukurumidza anogona kukuwana iwe muyero wakafanana nemumwe munhu ane DUI.
Inishuwarenzi Rekodi: Inhoroondo yveshuwarensi inoreva zvinhu zvakasiyana zvakasiyana. Imwe ndiyo yako yepamusoro yemotokari yeruzhinji. Paunenge uchitenga motokari yemotokari iwe uchave wakakodzerwa nepurogiramu yaunofarira kana iwe iye zvino une motokari yemotokari inoshandiswa. Iwe unowanawo chiyero chakanaka kana iwe wakatakura miganhu yakasarudzwa yemutoro inosvika 100/300 kana pamusoro.
Imwe chikamu chekunyorwa kweInishuwarensi inoreva kuti zviverengi zvipi zvakaiswa. Ko njodzi dzaiva-kukanganisa here? Pazvikanganiso-pamhosva zvinogona kuwedzera motokari yako yveshuwarisi yakawanda. Njodzi inowanzopedza makore matatu. Kana iwe ukakonzera njodzi mbiri mumakore matatu emakore, motokari yako yehutori wekushambadza ingangodaro isina-inovandudza mutemo wako . Iko inowanzosiya iwe nekutarirwa chete kunotenga inshuwarisi yemotokari kuburikidza nekambani yerinishuwarenzi yakawanda.
Nzvimbo: Kwaunogara unowanzoita mutsauko mumotokari yveshuwarisi yako. Mhosva dzinoongororwa ma inshurensi vatakuri uye kana iwe uchigara munzvimbo ine ngozi, inogona kuratidzwa mubhadharo yako yemari yveshuwarisi. Tsanangudzo yenzvimbo yakakwirira ine ngozi yakasiyana. Nharaunda yakaipisisa inogona kureva zviitiko zvakawanda zvezvipfuwo kana huzhinji hwembavha kana mamwe mhando dzezvikwereti.
Dzidzo: Haisi inowanzoshandiswa sechinhu chinokosha, asi vamwe vanotakura inshuwarisi vashandise. Sezviri pachena, zvidzidzo zvakaratidza madhairidzi akadzidziswa akakwira zvirevo zvishomanana.
Credit Score: Pedyo nehurumende yose inobvumira inshuwarisi vanotakura kushandisa chikoro chikoro senhamba yepamusoro pakugadzira premium insurance premium. Iyo yakakwirira chikoro chako chekwereti, yakaderedza motokari yako yveshuwarisi yemari. Inogona kunyatsobatsira kuti iwe unobhadhara mari yakawanda sei pamotokari yemotokari. Chikoro chekwereti hachikanganisi chikoro chako chekwereti sekuzarura mutsva wekwereti. Inishuwarensi yevatakuri vane yavo purogiramu yehutano iyo inotarisa chikamu chipi chaunofanirwa kuverengwa nacho.
Kana iwe uchitenda kuti chikwereti chako chikoro chavandudzwa munguva pfupi yapfuura, kumbira motokari yako inshuwarisi carrier kuti uone zviri zviviri. Kana pane humwe huri nani huripo hunoita kuti iwe uwedzere kutengesa, kazhinji vanoderedza purogiramu yako pakarepo. Zvinogara zvichikosha kutarisa chikwereti chako chikoro. Tsvakurudza nzira yekuvandudza yako chikwereti mapeji kuitira kuti iwe uwane zvirinani zviri nani pamabhengi emotokari nemotokari yemotokari.
Musha Wemusha: Ane imba? Chimwe chezvikwereti zvakanakisisa chinowanika pamotokari yemishuwarisi yematongerwo emitemo ndeyekutengesa mitemo yakawanda . Kuti uwane rubatsiro iwe unofanirwa kuva neinishuwarenzi purogiramu nemushuwarisi. Iyo yakanakisisa inotora inowanikwa kuvanhomba nokuti vanozove vakakodzera zvose zviri zviviri-mitemo yekutengesa uye kupiwa kweimba yeimba. Zvakare zvose zvinouya pasi kune zvidzidzo zvakaitwa nemakambani einishuwarenzi kugadzirisa zvikwereti zvinowanikwa zvishoma nezvishoma nevatyairi vane imba.
Mhosva
Ko kukuvadza kunoitika kumotokari yako here? Iwe unogona kunge uine chikwata pamaoko ako zvichienderana nezvakaitika uye chii chine chinyorwa chaunacho pamutemo wako. Hazvambotambudziki kutarisa kaviri newaini yako yeinishuwarenzi kuti uone kana hurongwa hwako hunofukidza kukanganisa.
Nheyo Dzakakurukurwa Nezvemotokari Inishuwarenzi
- Car inshuwarheni haifaniri kuvhara zvinetso zvemagetsi kana kugadzirisa
- Pamhosva-zvinodaro zvinokonzera motokari yako motokari kuenda
- Tarisira kubhadhara deductible
- Kukurukurirana nechinangwa chako chakakosha kunokosha
Uchapupu hweInishuwarenzi, Mitemo yehurumende, uye Mhosva
Kwete Dambudziko reMatongerwo enyika : Hapana mitemo yemhosva inogona kuvhiringidza kune vanodhairi vakawanda. Chero zita rega rega kwete mhosva rinotungamirira vanhu kumhedziso isina kururama yezvinoreva chaizvoizvo. Hapana mhosva zvinoreva kuti hazvina basa kuti ndiani ane mhosva njodzi yacho, mutemo wako unokufukidza iwe. Mutemo wako unokufukidza iwe kana pane imwe mhosva yemunhu. Mutemo wako unokufukidza iwe kana iri mhosva yako. Uye hapana-mhosva kanowanzoreva kuratidzwa kwechiremba. Hapana-mhosva inowanzoita huwandu hwePIP inobhadhara inishuwarenzi inobvumirwa. Zvinonzi hapana-mhosva inotaura kuti kuderedzwa kwemhosva uye mishonga yemishonga inogona kutorwa nekukurumidza. Iye zvino kana iwe uchigara muMichigan, hapana-mhosva haingorevi kungoda kugoverwa kwechiremba zvisingagumi asiwo kuparadzaniswa kwekubatana. Verenga pamusoro pemitemo yemishuwarisi yemagetsi yemotokari yeMichigan kana uri wekugara kana kufunga nezvekufamba.
Tort State Rules: Tort inotaura kuti inotadza mutyairi anokonzera kukanganisa. Imba inoparadza ichabhadhara apo motokari inokuvadza kana chero ipi zvayo yezvimwe zvinhu zvakadai sebhokisi remakasipi kana tereti revarindi. Izvo hazvina mhosva mutevedzeri achada kuisa kudai pamutokari wemotokari yemotokari yemutori wehurumende.
Chii Chinopupurirwa NeInishuwarenzi? Uchapupu hwemotokisi yemotokari inyaya inokosha inopiwa nemotokari yako yekambani yekambani inotaura mazuva ako motokisi yemainsisiti epurogiramu inoshanda. Ichava nezita re insured, gore remotokari rinogadzira uye rinomiririra, VIN, uye mapurogiramu anobudirira mazuva akarongwa. Ichavawo nezita rekambani yeinishuwarenzi uye zita rehurumende ye inshuwarisi zita rakanyorwa. Nyika dzakawanda dziri kugamuchira hupupuriro hwemagetsi ehushuwarenzi inowanikwa pamafoni. Kukundikana kuratidzira uchapupu hwemotokari yemotokari kumapurisa kana DMV uye iwe unogona kutarisa kuripa mari huru uye zvichida kurasikirwa neisense yako.
Kutenga kwe Car Car Insurance
Kuenzanisa Kutenga: Haugoni kutengesa zvakapoteredza motokari yemari yehutori kana pane imwe sangano iwe unotora mashoko akasiyana akaparidzirwa. Dzimwe nguva havagoni kufanana nekugoverana, asi zvakakosha kuve nechokwadi kuti vari pedyo nekukwanisika. Tsvaga kopi ye peji rako rekuzivisa, wozoregera kana kuinyorera kune mamwe masangano einishuwarenzi akasiyana-siyana. Iyo mumiriri anogona kuedza zvakanyanyisa sezvinobvira kufanana nekushambadzira kwako kwezvino uye achiri kutema mutengo.
Kakawanda sei Kutenga: Kakawandisa kwaunotenga motokari yemotokari yakasiyana newe. Kana iwe uine hukama hwakanaka newaini yako yehushuwarisi uye uvimba navo, zvingave zviri nani kuramba uri munzvimbo imwechete. Mitengo inogona kusiyanana dzimwe nguva kunyange kubva kune imwe inshuwarisi kune imwe. Kutenga kwemakore maviri kusvika matatu kutadza kukuvara. Kubatsirwa kwekutora inshuwarisi yako kuburikidza nehurumende yehushandi yehushandi yeruzhinji ndeyokuti kana iwe uchida kutarisa mutengo wakaderera, vanogona kutarisa kune vamwe vanopa inshuwarisi kune iwe pasina chidimbu chokushandura masangano.
Discounts
Rwendo rurefu rwezvikomborero runopiwa nemoto motokari inotakura. Izvo zvakanakisa zvinosanganisira multi-motokari, mitemo-mitemo, chikwereti chekwereti, uye nengozi nekuputsika kwekodzero dzisina kubhadhara. Mari inodhura yemotokari inotyisa inoenda kune madereji achiwana zvose zvezvikomborero nezvimwe. Edzai nguva dzose kuchengetedza zvese zvekuchengetedzwa kwako neye inshuwarisi yevatakuri. Chengetedza chikwereti chako sepamusoro sezvinobvira. Uye udzivise njodzi uye kudarika kwemigwagwa pamatengo ose.