Kusarudza yako auto motokari deductible isarudzo yakasarudzwa. Izvo zvinoenderana nehutano hwako pachako huwandu uye huwandu hwehuwandu hwaunoda kutora. Ichokwadi kwauri kuti uongorore zvisarudzo zvako uye usarudze nzira yakanakisisa iwe nemhuri yako. Mumwe mujeri weinishuwarenzi anogona kukupa imwe yeruzivo rwaunoda kuti uite chisarudzo chakadzidziswa, asi usarega mujeri wako asarudze iwe. Heano mibvunzo mitanhatu kuti uwane mhinduro kune iyo inosvika pakusarudza auto inshuwarisi inodhakwa.
01 Ndeipi mari yako yekukurumidzira yakaita seyakadai?
Iko mari yako yekukurumidzira yakazara zvachose here? Kana kuti zvinhu zvakagadziriswa here? Iwe unofanirwa kuongorora bhajhini yako yebhangi paunosarudza pa deductible. I $ 1000 inodhakwa haisi kuzokubatsira iwe kana iwe une chikwereti uye haugoni kutenga mari yacho. Kuwana chikwereti chekugadzirisa hakusi chakanaka uye nenzira yakaipa, njodzi dzinoitika. Kana iwe ukatora mungozi ye $ $ inodhakwa, gadzirira kukwanisa kubhadhara iyo apo nguva inosvika. Zvichave zvichiodza mwoyo zvikuru nekukwanisa kukwanisa kutyaira motokari yako nokuti iwe hauna kuronga kuti iwe unofanira kuvhara kunze kwemari yehomwe . 02 Ndeipi kukosha kwemotokari yako?
Kukosha kwemotokari yako kunopa kusiyana kukuru mune izvo zvakabviswa zvinonzwisisika. Izvo zvinodhura motokari yako, kazhinji iyo inowedzera kuvhara. Iyo yakakonzerwa yakakwirira inonzwisisika pamutengo wepamusoro wemotokari nokuti kuchengetwa kunogona kuve kwakakosha. Kana iwe uri mumwe wevanhu ivavo vasingagoni kuona kuenda kunze kwekukuvadzwa kwepanyama pamotokari yako yekukwegura ingasave yakasarudzira kuti itakure zvakaderedzwa. Somuenzaniso, kana motokari yako yemakore gumi ichiripo yakazara , iwe haufaniri kutakura $ 1000 inokonzerwa nokuti kukosha kwemotokari kunogona kunge mukati memadhora mazana maviri emadhora. Uyezve, kuchengetwa kwe $ $ deductible verse $ 500 inobviswa pane zvakakwana kungangova madhora mashoma mwedzi mumwe nomumwe. Same inodarika $ 500 ndima $ 100 inokwana yakazara pamotokari yakwegura, mutengo ungasasiyana zvakanyanya.
03 Ndeapi mari yakasiyana-siyana yezvikwereti zvakasiyana?
Tarisa newaini yako yeinishuwarenzi kana kuti paIndaneti kuti uone kuti ndezvipi zvakasiyana-siyana zvinodhura zvinodhura. Kana zvichitora makore anopfuura matatu kutora mari yako, iwe unogona kunge uchiri nani kana uchienda nechezasi. Kuti uverenge mari yako, chengetedza kukanganisa kwako kunobviswa pane zvose $ 500 uye $ 1000. Sarudza kuchengetedza uye kuverenga kuti zvichazotora nguva yakareba sei kuchengetedza kuwedzera kusvika ku $ 500 misiyano. Kana iwe unogona kuchengetedza $ 500 mu premium mumakore matatu, zvingave zvakanaka kusarudza kuenda nepamusoro deductible. Hapana anoziva kana iwe pachako uchange uine mhosva mumakore matatu emakore. Iko mari inogona kuva mari muhomwe yako kana iwe ungapedza makore matatu anotevera uchiwanazve mari yako.
04 Ndeipi ngozi yako?
Ndeipi mikana yako yekutora? Munhu wose ane zvimwe zvinetso zvekutyaira pasinei nokuti zvakanaka sei mutyairi iwe. Funga nezvekuti iwe kana kwete iwe nguva dzose unotyaira munguva dzepamusoro. Iwe unogara uchiita chikoro chokupaka kana masangano akabatana here? Uri kunyanya kurasikirwa nenyuchi nguva dzose here? Kana mukana wekuita kudai wakakwirira, unogona kunge uri nani nechepasi rakakonzerwa. Panguva imwecheteyo, kana uri mutyairi wepamusoro-soro mari yaigona kuve yakakosha yekuenda nepamusoro zvakakonzerwa. Zvakare zvakare pfungwa yakanaka yekuwana zvinyorwa pamasarudzo ako akasiyana-siyana anotsvaga. 05 Iko kunopera kunotsvaga sarudzo yakanaka here?
Kuparara kunotsvaga kuve nzira yakakurumbira, asi kana chiri chakanaka chisarudzo chinopesana neunobvunza ani. Kunyanya kana kubhadhara deductible kunogona kukuremedza mari zvisingabhadharwi kudarika kunokonzerwa kunogona kubatsira. Iwe unobhadhara imwe yero premium yerurivo kuti uwane kuderedza mu deductible. Iwe unenge uri nani pane kuchengetedza mari muhomwe yako yekukurumidzira . Kana iwe unogara uchinetseka nekuponesa mari yekutsvaga, kukanganisa kunotsvaga inzira inogoneka. 06 Zvinonzwisisika here kusarudza zvakasiyana-siyana zvekugoverwa zvakasiyana?
Hungu, kazhinji vanhu vanosarudza zvikwereti zvakasiyana zvakasiyana-siyana. Zvose zvinowanzoshandiswa kudhura zvakanyanya zvokuti vazhinji vanoenda nechepasi redu. Kurwisana kunowanzotora uye kunonzwisisika kuenda nechepamusoro deductible. Somuenzaniso, iwe unogona kuenda ne $ 100 deductible pane yakazara uye $ 500 pakurwisana. Neinishuwarenzi mari inokwidza vanhu vazhinji vari kuwedzera kudzvidzana kwavo kusvika $ 500 pazhepfenyuro uye $ 1000 pakurwisana. Zero zvakakanganiswa ndezvenjodzi dzemhando dzekugadziriswa nekuda kwekuti vashomanana vatakuri vehushuwarenzi havatauri ducuctible. Kuti uchengetedze zvinhu zviri nyore, zvinokurudzirwa kuchengetedza zvakakodzwa zvakafanana pamotokari dzako dzose. Zvakanaka kuti usarudze zvakasiyana-siyana, asi kana uine motokari mbiri uine huwandu hwakazara hunoenda pamwe chete neduchubles zvakafanana pane zvose. Inogona kuva yakavhiringidza uye inogumbura kana ukasarudza zvakasiyana-siyana zvinokonzerwa nemotokari. Ziva zvinodhura zvako uye uzvigadzirire kubhadhara paunoenda kugadzirisa motokari yako mushure mekurasikirwa. Tariro yekuziva mhinduro dzemibvunzo iyi ichakubatsira iwe kusarudza zvakakodzera kubviswa pamamiriro ako ezvinhu.