Kutenga motokari kwekutanga kwekutanga kunogona kuve kwakanyanya. Zvisarudzo zvaunoshandisa munguva yekutenga motokari zvinogona kuchinja ramangwana rako remari kwemakore anotevera. Kuita tsvakurudzo shomanana mberi kwekutenga kwako kuchakuita iwe munzira yakarurama yekuva mubudi wemotokari yakabudirira.
01 Ivai Nechivimbo: Ziva Sei Kusarudza Yakakodzera Motokari?
Iwe zvichida uchitova nemafungiro emhando ipi yemotokari yaunoda kutenga. Iva nechokwadi chokuti une zvese zvakanyanyiswa.
- Budget Shamwari: Usaridza bhajeti yako pamotokari. Kuziva kuti motokari yaunokwanisa kutenga yakakosha zvakadini. Chinhu mune zvose zvekutengesa motokari uye motokari yveshuwarisi mari. Shandisa mukoti wemotokari yemotokari kuti uone mari yako yaunofambisa pamwedzi.
- Kufisa Kwemafuta: Haasi munhu wose ane hanya nehupfumi hwehupfumi. Zvisinei, chinhu chimwe chekufunga kana iwe une nguva refu uchidzoka kuchikoro kana basa.
- Iko Nhamba Yezvigaro: Kufunga nezvekuwedzera mhuri yako munguva ichangopfuura? Vana vako vari kusvika kuzera rekuda kuenda kune nzvimbo neshamwari dzavo here? Imotokari yevashanu-inogona kunge isina kukwana. Iwe unotofanira kunyatsofunga zvishoma mune ramangwana pane iri. Sezvandambotaura kare, haudi kuva motokari yekuvhima zvakare munguva pfupi.
- Kutarisa Simba: Chimwe chinhu chaunofunga kana ukasarudza motokari inyanzvi yekudzora. Kana musasa, chikepe, kana trailer iri mune ramangwana rako, iwe unoda kukwanisa kuikora. Ngarava dzinogona kuwedzerwa pane imwe nguva, asi iwe unoda kuva nechokwadi chokuti motokari yako inokwanisa kuita basa.
- Kuchengetedza: Ndezvikwata zvema airbags, mabheji airbags, maziso emapofu mapofu, musikana wokupaka, kuputika maitiro uye zvimwe zvinhu zvakachengeteka zviripo. Kuchengetedza nguva dzose kunokosha uye zvakanaka kuti urambe uchifunga mupfungwa nokuti motokari inotakura vatengesi dzinoda kuchengetedzwa.
- Maintenance: Dzimwe motokari dzinodhura zvakawanda kuchengetedza kupfuura vamwe. Ita zvishoma kutsvakurudza nezvekuchengetedza motokari yako itsva kutenga usati waita kwairi. Kugadziriswa kunogona kusanganisira rudzi rwemotokari yemotokari inotora, kuti mafuta achinje, kuti zvikamu zvakadini zvinodhura.
- High Tech Sarudzo: Kuenda uye chigaro chinodziya chakanaka asi chinoda kukodzera bhajeti yako.
02 Iva Smart: Ziva Mawaniro Ekuwana Mari Yakanakisisa
Kana pane chokwadi chaiva "nzvimbo yakanakisisa" yekuwana mari, zvimwe zvose zvingasarudzwa zvingabuda kunze kwebhizimisi. Icho chinopararira pane zvakanakisisa zvingaita zvichienderana nezvinowanikwa uye izvo zvikwereti zvako chikoro zvinokukodzera iwe. Vanhu vazhinji vanopika nezvikwereti zvemakambani, asi iwe unogona kuwana chikwata chiri nani pane mutengesi.
Chii Chinojekesa Nhamba Dzakanaka?
Zvinhu zvitatu zvinonyanya kukosha kuti iwe unotora chikwereti chaunowanikwa ndeyekuti iwe unowana chikwereti (chatakagara chataura), nguva yako, uye chikwereti chako.
- Nguva: Mitengo inokwira uye ichidzika. Paiva nenguva apo chikwereti chezvikwereti chezvikwereti pamotokari chakanga chisinganzwisisiki. Kana iwe uri kufunga nezvekutenga motokari, ziva nezvehuwandu asi ini handidi kubvisa pakutenga kumitengo yekuburuka nokuti inogona kukwira!
- Chikwereti: Kana iwe usina chokwadi nezvekwereti yako chikoro, unogona kuinyorera zviri pachena iwe pachako kuburikidza ne AnnualCreditReport.com. Vamwe vanhu havadi kutamisa mushumo wavo pachavo kuitira kuti vatange pane chikwereti chebato kana bhangi saka havafaniri kutarisana nemutengesi wemotokari zvakadaro. Kana uchinge uine chikwereti chako chikoro chakamhanyira chikwereti chaiyo, chikoro chako chinogona kuwira pasi mapoka maviri. Kazhinji, zvinofungidzirwa kuti iwe uchatenga zvakapoteredza kwenguva pfupi uye kuongorora kwakawanda hakuzopfuuri kupera chikoro chako. Nhaurwa ndeyokuti, usina muteveri wemotokari unomhanya chikwata chako kunze kwekuti iwe usina chokwadi kuti uri kutevera kuburikidza nekutenga motokari. Dzidza kuti chii chinokanganisa chikwereti chako chikoro kuti ubatsire kuwedzera chikwereti chako.
Inguva Yakadii Unofanira Kubhadhara Mari Yako?
Zvinonyatsoenderana nokuti ndiani wamubvunza kuti ndeyepi nguva yakawanda yekubhadhara mari. Zvisarudzo zvakasiyana siyana zvinowanikwa uye mumwe nomumwe ane zvigaro uye zvinotyisa. Kureba kwemari yemotokari inowanzonyorwa mumwedzi. Nguva yakajairika inosanganisira mwedzi 24, mwedzi 36, mwedzi 48, mwedzi 60, 72 nemwedzi 84.
- Mitsutso Yenguva Pfupi (Mwedzi 24 kusvika ku48): Kukurukurirana nekugara mberi kwekudonhodza kwemotokari. Dzimwe nguva kuderedza chido chekuda kunopiwa nekuda kwekwereti kwenguva pfupi.
- Avhareji Term Loan (mwedzi 60): Kunyange zvakadaro ndiyo inowanzopiwa mari yakawanda asi inorasikirwa nemari yekukwereta kwenguva refu.
- Nguva Yenguva Yakarera (Mwedzi inopfuura 60): Iwe unogona kunge uine chikwereti kupfuura zvinotengeswa nemotokari nemukwereti wenguva refu. Nhamba dzechido inowanzokwirira. Vanhu vazhinji vachiri kusarudza sarudzo iyi nekuda kwekubhadhara kwepasi pamwedzi.
03 Iva Nounyanzvi: Ziva Mawaniro Ekuwana Nayo Yakanakisa Mothu Inishuwarenzi
Bhuku Rekufungisisa
- Zvisarudzo Zvakanakira Chikwereti 100/300/100: Kuvimbika kunokuchengetedza iwe paunokuvadza imwe imba yeumwe munhu kana kukuvadza mumwe munhu. 100/300/100 ndiyo miganhu inosarudzwa uye inishuwarenzi vatakuri vanowanzopa mufambisi vanodhairi nemitengo yakaderera yekuchengeta mitemo inosarudzwa. Hurumende imwe neimwe ine zvigaro zvaro zviduku zvingada kuendesa nemutemo. Kukundikana kuva nemotokari yeruzhinji inowanzoita kuti pave nemari yakawanda.
- Chiremba Coverage : Primary inshuwarisi yehutano kana yakavhara zvikuvadza kubva mumatokari emotokari zvishoma nezvishoma. Kurapa kwechiremba kunodzivirira iwe nevatakuri vako pawakakuvara mumatambudziko emotokari.
- Kunyatsonzwisisa : Kuparara kwepanyama mumotokari yako kunogona kuitika nenzira dzakasiyana-siyana. Kunyatsoparidzirwa kunopa kudzivirirwa pamoto, kuba, kuparadza, mhuka, uye kukanganisa kwemhepo. Chero chimwe chinhu kunze kwekupesana. Kunyatsonyanya kunowanzodiwa chete kana iwe uine chikwereti pamotokari.
- Kurwisana : Ronga paunopinda mutsaona yemotokari? Zvakanaka, hakuna munhu anoronga kuti asi motokari yose mumugwagwa iri pangozi. Kugoverana kuputika kuchabatsira kugadzirisa motokari yako kana uri mutsaona yemotokari nemumwe motokari kana chinhu chisina upenyu.
A deductible ndiyo mari yaunobhadhara muhomwe apo motokari yako inoda kugadziriswa mushure mokunge yakaitika. Kurapa kwezvechiremba kunowanzouya ne deductible. Iyo yakakwirira iyo yakasarudzwa iwe unosarudza, yakaderedza motokari yako yveshuwarisi mari. Iva nemumiririri weInishuwarenzi akodzokorora zviduku zvakasiyana-siyana zvakasiyana-siyana kuitira kuti iwe uone kuti kana zvikakanganisa motokari yveshuwarisi yako.
Kusvika Purogiramu Yevabereki Vako
Kuwana payo motokari yemainishuwarenzi yako inogona kuva inotyisa uye inodhura. Nzvimbo huru yekutanga ndiyo imwechete iyo vabereki vako vane inshuwarheni. Mutambi wacho anenge atova nezvose zvako, iwe unongoda kupa gore, kuita uye muenzaniso wemotokari yako.
Bonus - Kana ukashandisa vabereki vako 'inshumo yehurumende, unogona kuchengetedza mari yakawanda. Ko vabereki vako vane inshumo yavo yeimba kuburikidza nesangano rimwe chete here? Iwe unogona kukwanisa kuwana mitemo yakawanda-mitemo pamotokari yako yveshuwarisi. Iwe unogona kutokwanisa kuwana mamiriyoni emotokari kuderedza kuburikidza nehurongwa hwevabereki vako. Idzi ndidzo mbiri dzakanakisa dzinowanikwa. Kana iwe uchikwanisa kuzvitora, iwe haufaniri kunyange kutotenga mamwe mabhizimisi. Izvo hazvichakwanisi kurova.
Kutanga Imotokari Yenharaunda yeInishuwarenzi neNo Prior Coverage
Zano rakanakisisa rokutora motokari itsva yemishuwarisi yehurumende pasina chiziviso chokutanga ndechekutenga zvakapoteredza. Mitengo inogona kusiyanisa zvakawanda kubva kune inishuwarenzi kutakura inshuwarisi. Nyaya zhinji inobvumira makambani eshuwarisi kuti ape mari yepamusoro kune vanhu vasina mari inotangira motokisi yeruzhinji. Izvozvo zvinoreva kuti iwe unogona kudiwa kuti ubhadhara chikamu chakakwirira pamwedzi mitanhatu yekutanga. Mushure menguva yekutanga, iyo pfungwa yakanaka yekutengesa kuzhinji kusvika muzinga.
Car inshuwarheni inogona kuva mari yakawanda zvikuru kunyanya vanodhairi vasina kugoverwa. Ita chokwadi kuti uwane pikicha usati wagara pasi nemutengesi yemotokari.
Wedzera Loss Payee
Ngwarira danho iri paunenge uchisimudza motokari yako yemotokari uye inogona kuchengetedza nguva nekutambudzika mune ramangwana. Kana iwe uchibhadhara motokari, uyo anokweretesa achada kuwedzerwa sekurasikirwa payee. Chaizvoizvo, iwe unopa zita nekero yemutengi wako kumushandi wako wehushuwarisi, uye ivo vachatarisira zvimwe.
Kana imwe chikwereti ichiwedzerwa sekurasikirwa, vanozoziva nezvemotokari yako yerishuwarenzi. Bvisa kugoverwa, shandura yako yakabviswa, kana kutosikirwa nehomwe uye wako chikwereti achazoziviswa nekutsvaga nemavhura. Vatengesi vanoda kuziva ruzivo urwu nokuti kazhinji chikamu chekontrakti yemari yekuchengetedza motokari yemotokari kushanda nguva dzose.