Rwendo rweMotokari Dzimba Dzakadhura Kuvhara
Kana uchingotenga motokari itsva vanhu vanowanzoshushikana pamusoro pemari ye inshuwarisi . Nenzira yakawanda kune dzidzo dzakawanda dzinoita tsvakurudzo gore rega roga kuti dziwane motokari dzinodhura zvishoma mu inshuwarisi kuti ikubatsire kuita sarudzo.
Watova kushandisa mari yakawanda kana ukasarudza kutenga motokari itsva, saka kudzidza pamusoro pekuchengetedza mari pane maintanence uye mari yeinishuwarenzi kunogona kukubatsira kuchengeta mazana emadhora pagore.
Kusarudzwa Kwako Kwemotokari Kunogona Kuita Motokisi Yenyu Inishuwarenzi Zvimwe kana Zvishoma Zvidhura
Kunyange zvazvo pane zvimwe zvinhu zvakawanda kunze kwemotokari pachayo iyo ichaita motokari yako motokari inotengesa mari (zvatichaisa pasi apa) kusarudza motokari iyo kambani ye inshuwarisi isingokukwereti zvakanyanya zvokuti ichabatsira zvechokwadi.
Ndechipi Mutengo Wakawanda weGari Inishuwarenzi ?
Kuti unzwisise zvishoma pamusoro pemotokari gumi dzinodhura dzinodhura kuti uchengetedze mazita, zvinobatsira kuva nemafungiro emavhareji emari yemotokari yemotokari. Semuenzaniso, nyika inoshandiswa mari yakawanda yemotokari yemotokari inokwana $ 1,605 pagore, asi iyo yakarongwa "motokari inodhura" motokari yekuchengetedza inorongwa pamutengo we $ 1,112 pagore.
Yese motokari dziri pamusoro gumi dzinodhura motokari dzekuchengetedza mazita dzakange dzine premiums pasi kubva pa $ 1,112 pagore kusvika $ 1,203. Izvi zvinoreva kuti kana iwe ukatenga imwe yemotokari dzinodhura kuti uchengetedze, unogona kuzvidzivirira mazana emadhora pagore nekuda kwemutengo wepasi we inshuwarisi.
Iyo yakarongwa nemotokari inodhura yekutengesa ndiyo $ 500 zvishoma pamakore kupfuura yevhareji yenyika!
Nzvimbo dzeMotokari dzakadzama gumi dzakashambadza dzekutengesa muna 2017
| Rank | Car | Avhareji Premium | Rank | Car | Avhareji Premium |
|---|---|---|---|---|---|
| 1 | HONDA Odyssey LX | $ 1,112 | 6 | Subaru Outback 2.5l | $ 1,187 |
| 2 | Jeep Renegade Sport | $ 1,138 | 7 | Jeep Cherokee Sport | $ 1,188 |
| 3 | Jeep Wrangler Black Bear | $ 1,148 | 8 | Buick Encore & Jeep Patriot Sport (akasungirwa) | $ 1,190 |
| 4 | Honda CR-V LX | $ 1,170 | 9 | Subaru Forester 2.5l | $ 1,196 |
| 5 | Jeep Compass | $ 1,183 | 10 | Ford Escape SE | $ 1,203 |
Ndezvipi Zvimwe Mota Zvokuchengetedza Mari PaInishuwarenzi?
Nhamba iri pamusoro apa inobva kuIndure.com yemari yegore yemotokari yedzidzo yekudzidzira 2017 iyo yakaongorora zvakare motokari dzinodhura kuti dzitsigire uye dziwedzere ruzivo rwemotokari dzinodhura kudzivirira kusvika pamotokari makumi maviri. Kunyange zvazvo mamwe mazita emotokari dzinodhura kuti atsigire aripo, pakuenzanisa migumisiro yapamusoro kune iyo yakarongwa, nhamba yepamusoro 5 dzakanga dzatove dziri mune urongwa, naizvozvo iyi ndiyo nhungamiro yakanaka yeNyika Mutengo kutarisira kwemotokari dzinodhura zvishomanana pa inshuwarisi.
Heano mamwe emotokari akaita sarudzo yemotokari ichakuchengetedza mari pamusoro peinishuwarenzi mari inofananidzwa nemuwandu wenyika.
Zvose izvi motokari dzinodhura pakati pe $ 1,204 uye $ 1,221 pagore zvichienderana nehuwandu hwegore hwemotokari dzinodhura kuti dzive nechokwadi.
- Mazda CX-3
- Honda Pilot LX
- Fiat 500X Pop
- Nissan Frontier S
- Hyundai Tuscon SE
- Subaru (XV) Crosstrek 2.0l
- Honda HR-V LX
- Ford F-150 XL
- Ford Edge SE
Chii Chinogadzira Motokari Inodhura Zvidhura KweInishuwarenzi
Izwi rinoshandiswa kutsvaga motokari dzemotokari kuvhara inogonawo kuva chiratidzo chakanaka kwauri chemotokari motokari kuchengeta uye kushanda.
Inogonawo kuva chiratidzo chezvinhu zvinogona kunetsa nekuti nzvimbo yehushuwarisi inotsanangurwa apo kambani ye inshuwarisi inotora dhidhi yezviitiko zvose nemotokari inopiwa mukufungisisa paunenge uchitarisa chiyero chichashandiswa pamotokari.
Semuenzaniso, kambani yeInishuwarenzi inovimbisa mazana emuenzaniso weipi ipi yemotokari, pamagumo egore vanozocherechedza kana kune nguva yakawanda mumatare edzimhosva kana nyaya yakafanana nemotokari pavanenge vachida kubhadhara zvirevo pamusoro payo.
Iyo yakareba kambani ye inshuwarisi inochengetedza rudzi kana muenzaniso wemotokari, iyo inowedzera dambudziko ravanofanira kuziva kuti yakakwana sei. Kana vakangoerekana vaona spike muzviitiko, kufanana nembavha yemumwe motokari, somuenzaniso, ipapo unogona kuona kuwedzera kwekuraira.
Zvitengo zvitsva zvisizvo zvisina ruzivo zvicharongwa pane izvo bhizinesi inofanotaura zvingangove zvinotarisirwa kugadzirwa kwemotokari. Zvinhu zvakadai sokuchengetedzwa kwekuchengetedzwa kubva kuNational HighwayTraffic Safety Administration (NHTSA) makambani einishuwarenzi anobatsira maitiro avo nokuti motokari dzine zvigadziro zvinogona kunge zvisingakuvadzi uye zvingachengeteka. Kambani yveshuwarisi yemotokari inotarisa kuchengetedzwa kwezvikwata, mutengo wezvikamu, anti-weft features, anti-collision features.
Cheap Car Insurance and Driver Profiles
Chimwe chinhu chinonakidza mumotokari dzese dzinodhura kusimbisa ndezvenyaya yekufambisa. Kune chikamu chikuru, kunyange zvazvo kuenzanisa kwemitengo kwakaitwa pamakambani akawanda nemotokari, zvichida haisi mungozi kuti dzakawanda dzemotokari dziri pamusoro gumi dzine mhuri dzemhando dzemotokari dzine simba rakachengeteka zvinhu uye teknolojia.
Mhuri dzemhando dzemotokari dzinogona kutungamirirwa nevanhu vanogona kuva vakangwarira nokuti vane vana vaduku uye vari kurarama neimwe nzira yemararamiro.
Mitengo inotaridzirwa nehupfumi hwemainishuwarenzi nemakambani anopiwa, naizvozvo kunyange kana iwe usati uri rudzi rwemifananidzo, asi iwe unotenga imwe yemotokari idzi, unobatsirwa nehuwandu hwekambani ye inshuwarisi nezvakaitwa zvikwereti pane zvose idzi motokari.
Chii Chinobatsira Kuti Uwane Mutengo Wakaderera Pamota Inishuwarenzi
Kunyangwe zvazvo motokari yaunoda inogona kunge inenge isingave iri pane urongwa urwu kune nzira dzekutenga mari dzinodhura pamotokari yemotokari nokutaurirana neinishuwarenzi yako uye kudzidza zvakawanda pamusoro pemotokari yemamiriro ezvinhu zvinogona kuita kuti inshuwarisi yako iwedzere, kunyange iwe iwe hazvina matanho .
5 Zvinhu Zvinogadzirisa Mutengo Wemotokari Inotyisa
Mari inotengeswa motokari yemahara inobva pazvinhu 5 zvinokosha:
- Mashoko ako ega ega uye zviyero zviyero
- Mari dzinokonzerwa kana kugadziriswa kwemotokari, iyo inokanganisa muyero mune zvikamu zvakakwana uye zvakapesana zvepurimu yehushuga
- Kakawanda kwezviitiko kana zvikwereti zvine motokari yemuenzaniso mubvunzo
- Mutengo wekuvhiringidza kwemotokari kunogona kukonzera kune vamwe (pfuma nevanhu) -unogona kuwana pfungwa yeizvi mumishuwarensi yemhosva yemotokari uye chikamu chekurapa kwehutano yehushuga yako yeruzhinji. Izvi zvinoda kugoverwa zvakasiyana mune imwe nyika .
- Imwe kambani yeinishuwarenzi inoshandiswa pakatarisana nevatengi uye inotsvaga mapurogiramu emotokari, iyo inofambisawo zvikwereti zvinovabatsira kuti vakweke rudzi rwe "ngozi" yavari kutsvaga mugore ripi neripi. Mamwe makambani emishuwarisi achawedzera mamwe marudzi emamiriro ezvinhu, izvo zvinoita kuti mitengo iwedzere. Vamwe vachave vakanyarara. Mamwe makambani einishuwarenzi, zvichienderana nemitemo yehurumende, inogona kupa kunyange chikwata chakanaka chechikwereti chakanaka . Icho chinangwa chakanakisisa chekutsvakira kambani yepamusoro yveshuwarisi yekambani munharaunda yako kuti uwane uyo achakupa mutengo unotopfuura.
Kuwana Low Inshuwarisi Mahara Munharaunda Yako
Kana zvasvika pamotokari yemotokari yemari, inonyanya kambani kana inshuwarisi inodhura inogona kusiyana mune imwe nyika. Iko motokari yatakanyora pamusoro apa inowanikwa kupa National Averages. Nharaunda dzemunharaunda dzinogona kuve dzakasiyana zvichienderana nezvinhu zvakasiyana-siyana, zvakadai se5 yatakakurukura pamusoro apa.
Muenzaniso weKushandura Kwemari Kusiyana Nharaunda neInishuwarenzi
Somuenzaniso, maererano neNerdWallet, motokari yemotokari yakaderera muCalifornia nokuda kwevatyairi vane imwe mhosva yekukanganisa ndeyeAAA , asi iyo inodhura motokari yerinishuwarenzi yekambani yevatori vepatoti inonzi 21st Century Insurance . Vaduku Vaduku uye Vakanaka Vanotya vanowana zvakanakisisa mari ne GEICO .
Zvisinei, semuenzaniso wekuenzanisa, muVermont, NerdWallet yakaratidza Co-operative Insurance Companies semotokari yemotokari yakaderera yeVakatevedzeri Vanodhairika uye Retired Drivers neGeico for Young Drivers.
Ndezvipi Zvimwe Zviitiko Zvinogona Kushandisa Mutengo weCarishu Inoshuwarenzi?
Nyaya yedu pamusoro pemotokari yemotokari inowedzera inosanganisira zvakawanda zvakawanda pamusoro pezvinoita kuti kambani ye inshuwarisi ikwanise kuenda kumotokari yemotokari , verenga zvakawanda pano nokuda kwezvenhoroondo dzakakwana dzemari dzinokonzera zvinokonzera, kunze kwezvirevo. Sezvinokosha rwezvinhu zvinogona kukanganisa inshuwarisi yako, heano mahwendefa mashomanene anogona kuchinja mapurogiramu ako:
- Mileage: kureva iwe unotyaira gore negore kunogona kukanganisa muzinga we inshuwarisi yako. Vamwe vanhu vanofunga kufungidzira kwemairenda asingafungi nezvakawanda pamusoro payo, asi kuderedza kana kutora mairenda ako mari kunogona kukudhura mari . Edza uye ive yakarurama.
- Nguva yehupenyu nekufambisa motokari: Kana uine hupenyu hwekufambisa unenge uine njodzi, kana kuti unenge uchiwedzera kudzidzira mutyairi kufanana nekutyaira motokari, mari yako isingadhuri yakawanda inowanzova.
- Nzvimbo: Paunenge uine nzvimbo ine kupindirana kwakakomba, motokari, kana kunyange kupararira mumugwagwa pedyo nekupaka garaji, inshuwarisi yako inogona kunge yakakwirira kudarika mumwe munhu ane zvakananga zvakafanana ari kugara kune imwe nzvimbo. Kambani yeInishuwarenzi ichagadzirisa mukana wehushuwarisi pane iyo motokari "inorara" usiku, izvi zvinowanzozonzi kero yekugarisa. Kune vanhu vakawanda, iyo iwavo yepaimba, asi mune dzimwe nguva, motokari inogona kunyoreswa kune imwe kero, uye zvechokwadi inogara pane imwe nzvimbo. Somuenzaniso, mubereki anotenga motokari kune mudzidzi anogara pamusasa uye anotora motokari yavo kuchikoro . Nzvimbo yechikoro ndiyo iyo motokari iri kutarirwa, kwete yekero yakanyorwa. Kambani yeInishuwarenzi ichashandisa nzvimbo yekugadzirisa uye izvi zvingashandura dhigiri kana kumusoro. Izvo zvinogona kushanda yemotokari yakanyoreswa kumushandi, asi motokari inonyatsochengetwa pamba yevashandi.
- Mamiriro emamiriro ekunze: Somuenzaniso, fungidzira iwe uri mune imwe nzvimbo ine chando chikuru chando. Motokari dzisingagone zvakanaka muchando dzinogona kuva nezviitiko zvakawanda. Nhamba yemishuwarisi yemunharaunda yekusimbisa kuti motokari mune imwe nzvimbo yavasina kukwaniswa kuita, vs, imwe nzvimbo iyo ngozi yechando inenge isinapo inogona kutengesa mari yemotokari iyoyo kuti inodhura mune imwe nzvimbo vs. imwe.
- Kubhadhara zvikwereti : Makambani eInishuwarenzi ave achiona munhoroondo iyo vanhu vane zvikwereti zvakanaka zvekwereti vanowanzova nezvikwereti zvishomanana. Dzimwe hurumende dzinobvumira chikwereti chekwereti yemotokari yehutori.
- Kurasikirwa : Kune marudzi akawanda ezvidzidzo zvaunogona kuwana nemotokari yveshuwarisi, izvi zvichabata mutengo waunobhadhara.
Chii Chinonyanya Kudhura Car Inishuwarenzi Mitengo inobva Kubva?
Motokari dzinodhura kuisa chidzidzo neIndure.com inobva kune imwe nzvimbo yefambisi, mufambiro wako wekufambisa angangodaro akasiyana, sezvaunogona kuona nezvimwe zvinhu zvakasiyana pamusoro apa, unogona kukwanisa kuwana zvikwereti zvakawanda pamusoro pehutungamiri hwako kana kusarudza kubatanidzwa mune mari-kuderedza mapurogiramu akaita shandisa Usage Based Insurance . Chinokosha ndechekutengesa kumativi ose kuti uwane zvakanakisisa inshuwarensi yemamiriro ako ezvinhu apo uri kutenga motokari itsva. Usangoti ugare nekambani imwe yawaiva nayo kare, hauzombozivi kuti ndiani ane mhando yakanakisisa yemamiriro ako matsva.