Gap Inishuwarenzi vs. Mari / Kushandira Payoff

Gap kana Mari / Kubhadharwa Mutero, Ndeipi Iyo Yakakunakira?

Paunenge uchitenga motokari itsva, zvakakosha kutora matanho paunofunga kuti unogona kunge uchikanganiswa nemutengo wekwereti chero nguva ipi zvayo. Inishuwarenzi yepakati kana chikwereti / kubhadhara mari inobhadhara inopindurwa ndiyo mhinduro yako. Asi ndiani angave ari sarudzo yakanakisisa kwauri? Zvimwe zvinhu zvakanyanya kufungidzirwa zvinosanganisira nguva yakadini iwe unotenga kutenga, kufungidzirwa kwakawanda sei kwaunoda, kukosha kwekuvhara, uye kuwanikwa kwayo.

Nguva Yakatarirwa Kukutenga Bhuku

Inishuwarenzi yezvokwadi inofanira kunge yakatengwa mukati kwenguva pfupi kwazvo, kazhinji mumazuva makumi matatu ekutenga kwako kutsva. Inongobvumirwa chete pane isina kumbobvira yatumidzwa motokari. Iyi mitemo inogona kuita kuti zvive nyore kune vamwe vatengi. Chisarudzo chinofanira kuitwa nokukurumidza sezvinobvira kuitira kuti usaisa panjodzi yekubuda panze panguva yakatarwa.

Mari yechikwereti / kubhadhara mari inoshandiswa inowanika kutenga chero nguva. Kana iwe usingawani nezvehuwandu kusvikira shamwari yaunounza iwe iwe mwedzi miviri mushure mekutenga kwako kokutanga, iwe unogona kuwedzera mvumo yekubhadhara / kubhadhara mutemo wako. Kugadzikana nguva dzose chinhu chakanaka kana zvasvika kune inshuwarisi.

Iko Muhomwe Wakawanda Unoda

Inishuwarenzi yeGap inobatanidza musiyano wose pakati pezvaunokwereta pamotokari uye ACV yemutemo wako wekutsvaga. Kazhinji kacho, kunyange yako deductible yakavharwa apo iwe wakatenga bhuwarisi yegengo.

Kusina muganhu pahuwandu hunoita kuti uve nemafungiro akanaka ekuchengeteka nokuti haufaniri kunetseka pamusoro pehuwandu hwekuvharidzira huri kufupika.

Mari yechikwereti / kubhadhara mari inowanzovhara 25 muzana yeAACV yemotokari yako. Somuenzaniso, kana motokari yako ine ACV yemadhora makumi maviri nemakumi maviri, iyo inowedzera chikwereti / kubhadhara mari yekubhadhara ichabhadhara $ 5,000.

Uyezve, nekutora chikwereti / kubhadhara mari yekutora mari yako inowanzoshandiswa. Zvose zviri zviviri izvi zvinogona kukusiya iwe nehomwe yezvokushandisa muhomwe kana uchirasikirwa zvachose.

Sarudza kuti iwe uchange uchinge uchinge uchinge wapi kana iwe uchizosangana nehupfumi hwakazara kuda nhasi. Enzanisa izvo iwe unokwereta kuhotera yeKelly Blue Book. Nguva yakawanda, iyo 25 muzana yekugoverwa inopiwa nemari yekubhadhara / yekubhadhara mari yakawanda.

Mutengo weChovha

Iwe uchawana inshuwarisi yegengo uye chikwereti / kubhadhara mari inenge isina mari. Ngozi iyo kambani ye inshuwarisi iri kutora nehuwandu hwekugovera hahuna. Inishuwarenzi yepakati uye chikwereti / kubhadhara mari inobhadharwa chete kubhadhara munyaya yekurasikirwa kwese. Nguva yakawanda, musiyano pakati pezvaunokwereta uye kuti ACV yemoto ndeipi, haisi yakasiyana zvakasiyana. Zvikonzero zviviri izvi zvinoita kuti izvi zvinyatsokosha. Kuti uwane mari yekupedzisira yekugoverwa, iwe uchafanirwa kuwana zvinyorwa zvakawanda .

Kuwanika

Inishuwarenzi yeGap yakawanda kudarika chikwereti / kubhadhara mari yekubhadhara. Vazhinji vanokweretesa auto vanopa gap inshuwarisi panguva yekutenga uye zvibvumirano zvizhinji zvekubhadhara zvinowanzobatanidza inshuwarheni yegap. Mamwe makambani einishuwarenzi anopa gap inshuwarisi vs. mhanho / kubhadhara mari.

Mari yechikwereti / yekubhadhara mari inoshandiswa zvakakwana pamotokari yakashandiswa sezvo gap kazhinji isingabvumirwi nemotokari yakashandiswa.

Ngwarira paunoona izwi rechikwereti / kubhadhara mari nokuti inogona kutarisa kune yechokwadi yemainshuwarisi. Tarisa nemutakuri wako kuti uone kuti zvakajeka zvakapihwa. Kana zvikwereti / kukodzwa mubhadharo kune chimwe chinhu chaunonyatsofarira, Progressive inopa mvumo yekubhadhara / kukweretesa asi haiti kupa ruzivo rwakakwana . Uyewo, chengetera nekambani yako yezvemari kuti uone kana chikwereti / kukweretesa chikwereti chiripo.

Ziva zvaunogona kuita, kana iwe ukaona gare gare mune chikwereti chako kuti iwe uri kukanganisa pasi, iwe unofanira kutarisa chikwereti / kubhadhara mari yekutengesa. Kana iwe uchida kubhadhara mubhadharo wemotokari yako usina kunyunyuta pamusoro pekudzikinurwa kana kuti chero kunze kwemari yekubhadhara ; rega gap inshuwarisi kana izvo zvaunoda. Zvose zvivheneko zvinogona kudzivirira ramangwana rako rekuchengetedza mari.

Hapana munhu anoda kubatwa nechepamusoro pemari yemotokari. Ita zvose zviri musimba rako kuronga mberi kwekutengesa motokari yako kugadzirisa kana kutema zvachose chidikaniso chako chekuchengetedzwa kwehushuwarisi .

Mune zvimwe zviitiko, hazvidziviriki sekukwereta motokari kana dambudziko rekupedzisira rezvemari pamwe chete nematambudziko emotokari. Kutakura ndicho chinodiwa kune vazhinji veAmerica. Kana iwe ukazviwana iwe uri mumvura mune chikwereti chemotokari, iva nechokwadi chokuti uchatora matanho akakodzera neimwe nzira yehupusi yemahara.