A Comprehensive Guide Kuti Unzwisise Mafuta Ako AInishuwarenzi
"Nei motokisi yangu yemotokari yakasimuka? Ndakanga ndisingatauri uye motokari yangu yakava gore rimwe chete!"
Kune zvikamu zviviri zvezvikonzero zvinogona kuita mutengo wemotokari yako yveshuwarisi inowedzera. Kuziva kuti chii chinogona kuita kuti motokari yako yveshuwarisi ikwire mumutengo iwe usati wave nekutaura kunogona kukubatsira kuchengeta mari.
Apo iwe unonzwisisa zvikonzero, iwe uri munzvimbo yakanakisisa yekukurukura mutengo uye uwane kambani ye inshuwarisi iyo ichakupa iwe mari yakaderera. Unogonawo kuverenga nyaya yedu pamusoro pemotokari dzinodhura zvikuru kuti uone kana iwe uri kuronga kutenga motokari itsva uye unoshamisika kuti inowanikwa mari yakadii yemotokari yerima ichave.
Ko Inishuwarenzi Imwe Inoisa Mutengo Wei?
Chigadziro chekutanga chezvinhu zvinokonzera motokari yako yveshuwarisi yepamusoro inobatanidza nezvinhu zvinowanikwa zvakakwana mumamiriro ako ega, zvinhu zviri mukati mekutonga kwako.
10 Zvinhu Zvinogona Kuita Kuti Mari Yenyu Ive Inoshuwarenzi Inoshandiswa Kuvandudzwa Go Up
- Nhoroondo yako yekutaura uye kutyaira rekodhi
- Nhoroondo yekutenda kana kupikiswa kwekutyaira - zvichikonzera zvikwereti
- Kuchinja kwekeroti, kukuisa mune imwe nzvimbo itsva iyo inogona kunge inodhura zvakanyanya maererano neshuwarisi
- Vatyairi vatsva vakawedzerwa kumutemo kana kushandiswa kwevanotyairi vezvikwata zvakasiyana-siyana pamutemo
- Kuregwa kwemitemo yemusha, kana imwe mitemo inoita kuti iwe urege kurasikirwa nekutora huwandu humwe chete neye inshuwarisi imwe chete.
- Kutemwa kwemotokari kubva mumutemo. Dzimwe nguva unowana zvikwereti zvekusimudzira kune imwe yemotokari. Kana ukabvisa motokari yako yechipiri, mutengo we inshuwarisi pamotokari yekutanga ingakwira .
- Kuchinja kwebasa. Iwe unogona kurasikirwa neboka rekutsvaga, unyanzvi hwekutsvaga, kana kuti unogona kuva nechekuita kushanduka kwebasa, zvichiita kuti uwandu hwako hukwire.
- Zvirwere zvinowedzera njodzi yako, kana zvipingamupinyi zvinokonzera kubhadharisa kune inshuwarheni yakawanda yehutano nekuda kwekutenda sekudhakwa kwekutyaira
- Zvikanganiso. Hungu, makambani einishuwarenzi anogona dzimwe nguva kuita zvikanganiso. Usambofungidzira kuti mudiro waunawo ndiwo maitiro akanaka kana kuti zvakakodzera. Kune makombiyuta uye zvikanganiso zvevanhu izvo zvinogona kuitika, saka nguva dzose inofanirwa kubvunzurudza zviitiko pamwe nemumiririri wako kana iwe usina chokwadi.
- Kuchinja kune mari yeurongwa hwekubhadhara kana sarudzo purogiramu yako ye inshuwarisi. Dzimwe nguva makambani einishuwarenzi anoshandura mari yekutengesa kana kuwedzera mitsva yebasa rausingave wakacherechedza. Cherechedza zvingasarudzwa zvekubhadhara kwako uye ita nechokwadi chokuti unosarudza chimwe chinonyatsoenderana nezvido zvako. Dzimwe makambani anopa zero mari, uye vamwe vanogona kukwereta kusvika ku5% kana kupfuura. Izvi zvinogona kukanganisa mari yako yemainshuwarisi yegore negore.
Chikamu chechipiri chezvinhu chinobatanidza nemotokari yako uye kambani ye inshuwarisi: zvinhu "kunze kwekutonga kwako".
Heano zvimwe zvezvimwe zvinokonzera motokari yemotokari inodhura:
Tichadzokorora zvose zvatinokwanisa kuitira kuti iwe uri munzvimbo yakanakisisa yekuita zvisarudzo kutanga kutanga kuchengetedza mari yakawanda painishuwarenzi yako uye uwane ruzivo rwakakwana chezvinoitika iwe auto auto premium uye nei yakakwira.
Sarudzo yako yeInishuwarenzi Ikambani uye Mumiririri Unogona Kuita Kusiyana
Mune chero mamiriro ezvinhu, inshuwarisi imwe neimwe yakasiyana zvakasiyana neyo inoona zvikanganiso, zvinoreva kuti zvichienderana nemamiriro ako ezvinhu, apo imwe kambani yveshuwarenzi inogona kupa zvakakosha, imwe inogona kunge isina. Kunzwisisa zvikonzero zvekuti inshuwarisi yako yakatarwa ichakubatsira sei kuwana zvakanyanya kubva kuinishuwarenzi yako.
- Iva nechokwadi chokuti iwe unowana kambani yveshuwarisi yemotokari iyo inokupa iwe zvakanakisisa zvakanakira zvido zvako.
- Kana uri kutarisana neA Direct Insurance Company , kana mutapwa wechipurisa, iwe unogona kusarudza kuti ino ndiyo nguva yakanaka yekutsvaga mazano eIndamende yega yega kana mutengesi anogona kutarisa makambani akawanda kuti iwe uwane mutengo wakanakisisa.
- Kunyange zvazvo pane dzimwe nguva zvikonzero zvakasimba zvekugara nekambani ye inshuwarisi, sekuvimbika kukwidziridza uye zvikomborero, pane nguva nguva mamiriro ezvinhu anochinja uye iwe unogona kuchengetedza mari uye uwane zvakanakira kana uchinjira kune imwe kambani yveshuwarenzi .
Chii Chinokonzera Motisi Inotisi Yenharaunda Kuwedzerwa (Kunyange Kana Iyo Motori Iri Gore Rakareba)?
Kambani yeInishuwarenzi inoisa zvinhu zvakawanda mumotokari yako yemotokari inobata mari:
- Iyo yose motokari
- Zvikamu zve motokari
- Zvaunogona kuita
Apo motokari inowedzera gore rimwe chete, chimwe chete chezvinhu izvi chinoshanduka kana iwe usina mhaka: kukosha kwemotokari yose. Zvimwe zvinhu zviviri zvinoramba zvichitevedzana, kana kuti zvinogona kuwedzera mumari.
"Zvinhu Zvose Zvakaramba Zvichingofanana, Ndakanga Ndisisina Mhosva, Nei Mota Yangu Inishuwarensi Yakawanda Yakaramba Ichienda?"
Kana iwe uchifunga kuti zvinhu zvose zvakaramba zvakadaro, nei mutengo wacho uchiri kuwedzera? Kune zvinhu zvekunze zvinokonzera inshuwarisi yako kune imwe neimwe yezvinyorwa pamutemo wako. Iwe unogona kukumbira mushandi wako wehushuwarisi iyo chikamu che inshuwarisi yakawedzerwa kuti uve nekunzwisisa kwakananga kwemamiriro ako.
Kumbira kuenzaniswa kwezvikwereti kubva mugore rekudarika kwegore rapera kusvikira mari yegore rino pa:
- Mutoro (kukuvadzwa mumuviri, kukanganisa kwepfuma, nezvimwe)
- Kurwisana (kazhinji kunobatwa nezvirevo)
- Comprehensive (Moto, kuba, kuparadza, nezvimwe)
- Zvinotsigirwa
Pasi pose, hezvino zvikonzero izvo zvisingakwanisi kudzora zvinogona kuita kuti kuwedzera kwako kuwedzere.
Kunze Kwezvinhu Zvinokonzera Kudiwa Kwemari Inishuwarenzi uye May Maita Kuti Mutengo Uende
- Zvikwereti zvemhosva zvakabhadharwa nekambani yeinishuwarenzi iyo yose yevashandi vanovimbisa inogona kuchinja maitiro avo evanhu vose. Kana gore rakapfuura rikaratidza kuwedzera kwakasimba muhomwe yave vari kubhadhara kune zvikwereti uye mari yekuchengetedza sechikamu chekugoverwa uku, kambani ye inshuwarisi inogona kuita kuchinja kwemazinga. Izvi zvakakwana kudarika kwako.
- Kurongeka, vandalisms, kana zvikwata zvinowedzera munzvimbo yako. Dzimwe nguva nekuda kwekuchinja mumigwagwa yepamigwagwa, mamiriro emamiriro okunze, kana kana nzvimbo dzikava dzakanyanyisa kupfuura nguva, kana zvimwe zvakasiyana-siyana, nzvimbo inogona kutanga kuona kuwedzera kwezvirevo. Apo kambani ye inshuwarisi inotanga kuona maitiro aya mune imwe nzvimbo, inogona kugadzirisa zviyero zvakakodzera.
- Kuwedzerwa kwemotokari yekuvhara muhurumende yako kana nzvimbo, kana yemotokari yako kunyanya. Nzira yekuziva kana yakabatana nemotokari yako ndeyekukumbira mujeri wako kana motokari yako yeboka iri yakawedzera kubvira gore rakapera, uye inzwisise nyaya yacho. Kana iyi ndiyo nyaya yemotokari yako, unogona kufunga kana zvingava zvakanaka kuti iwe uwedzere kupikisa zvombo kana motokari yekuraira uye uwane kuderedza kubvisa kuwedzera. Kushandisa motokari kunokanganisa motokari itsva uye yekare uye nguva dzose yenyaya dzemakore dzemotokari dzakabiwa dzichibuda, makambani einishuwarenzi anonyatsocherechedza, uyewo kuenzanisa izvi neavo kurasikirwa ruzivo kana zvikwereti zvakabhadharwa nemhando yemotokari.
Nei Mumwe Munhu Angaba Nechiri Yekare?
- Kana zvikamu zvako zvemotokari zvichinyanya kuoma kuwana pamusika, uye rudzi rwako rwemotokari rwakanga rwakafarirwa nemuenzaniso nekuda kwekuvimbika kwayo, umbavha hwemotokari yako inogona kuwedzera, iyo inotokonzera mari ye inshuwarisi kumusoro, kunyange zvazvo motokari yako yakwegura uye iwe hauna kumbobvunzwa. Iwe unogona kutarisa Rwendo rweMotokari 10 Yepamusoro Yakanyanya Kupambwa muUnited States neMotokari Ipamusoro Yakapambwa Gumi muCanada kuti uwane pfungwa. Mamwe emotokari dziri muurongwa angakushamisa iwe.
Kusiyana kwekuderedza kukoshesa kukosha muInishuwarenzi
Zvinhu zvinotonyanya kuoma kana iwe wakatenga inshuwarisi yekugovera pamotokari yose iyo yaives depreciation yakadai seGAP Insurance kana Replacement Value. Yakawanda yemotokari yemitemo inobhadhara mari inotsvaga kukosha kwemotokari panguva yekurasikirwa, asi zvimwe zvikamu zvakakosha zvinogona kukupa iwe kuti uwane huwandu hwekugadziriswa kana kugadziriswa kwekugadzirisa.
Chibvumirano chakanaka hachiwanzozivikanwi mumotokari yenguva dzose, asi pamakwikwi ekupedzisira-mauto, antiques kana mabanho, zvimwe zvinogonawo kunge zvingasarudzwa zvekuti vanhu vakatenga. Muzviitiko izvi zvose, kunyange kana kukosha kwemotokari kwakashanduka, bvumirano yako yehushuwarisi ichiri kutsigira huwandu hunokosha.
Iko Mari YeGAP Inowedzera Kuvandudza Here?
Mamwe makambani anoona purogiramu yakadzika yeGAP yunivhesiti kana inogona kuvhara mumutengo wezwi rakatarwa. Sezvo motokari yako ichikura, kukosha kwekugadziriswa neGAP Insurance yako kuchinja. Kana iwe usina kubhadhara purogiramu yakazara yeGAP yako yunivhesiti, ipapo mutengo we inshurensi unogona kukwira gore negore, izvi zvinopesana pakati pekambani dzakasiyana-siyana dzebhizinesi dzeGAP, saka iva nechokwadi uye uone kana izvi zvichishanda kwauri.
Nguva dzose uwane kuti mari yeGAP yako yebhadharo chii uye ona kana iwe uchida chaizvo .
Sezvaunotanga kubhadhara pasi chikwereti chako chemotokari, gomo richapera., Iwe ungasazochida zvakare.
Iwe unogonawo kuona kana iwe unogona kuwana mutengo uri nani paGAP inshuwarheni kuti uchengetedze mari kuburikidza nekuongorora vatengesi vakasiyana-siyana veGap Coverage usati watenga.
Kubhadhara Chikwereti neInishuwarenzi Inyoreji Inoshandiswa Mukutanga Kwekuverenga
- Kubhadhara zvikwereti kana kuchinja kwekunyorera. Dzimwe nguva zvitsva zvinowanikwa muhuwandu hwehushuwarisi huwandu. Kana mafaira ako asina kuongororwa kuti aise zvose zvitsva zvitsva kana mapurogiramu akaziviswa kubva pakugadzirisa kwako kwekupedzisira, unogona kuguma uchiona kuwedzera kwausingafaniri kuva nako. Imwe muenzaniso ndeyeChikoro Chikwata, icho chinogona kushandiswa nemamwe makambani einishuwarenzi, kunyange zvazvo zvese zvisingabvumirisi kushandiswa kwekodhi-based scores. Zvimwe zviitiko, kusanganisira kubvumirwa kwechikwereti, kubvumira matanho akasarudzwa, kunyange kana chikwereti chako chikoro chisina kunaka. Mune zvimwe zviitiko, kuderera kwekwereti chikoro kunogona kukanganisa chiyero chako. Iwe unoda kuve nechokwadi uye kumbira mumiririri wako pamusoro pekuti inhamba yekambani yako yeinishuwarenzi inoshandisa chikwereti chezvikwereti mumitengo yavo, uye kuti ichagadzirisa sei mutengo wako. Kana chikwereti chako chikoro chakakanganisa kuwanda kwako, ungada kuve nemushandi wako kuti aone kana izvi zvakarurama, kana kuti kuwana imwe kambani yveshuwarisi iyo ichapa zviri nani zviri nani pamamiriro ako ezvinhu.
- Mutsara wepasi rose unowedzera. Ichi ndicho chikonzero chakajeka chekuti inshuwarisi yako iende, kana kambani yveshuwarenzi inosangana nekurasikirwa kwakanyanya kudarika zvavanotarisira, kana kuti vasina kuongorora maitiro avo mumakore mashomanana, dzimwe nguva vachawedzera mazana avo mubhodhi kuti varambe vachibetsera . Mumamiriro ezvinhu akadai, pane dzimwe nguva zvakanaka kuwana zvinyorwa nezvimwe makambani kuti uone kana motokari yemainishuwarenzi yaunayo ichiri kukwikwidza.
Sarudza-In In Discount Kuponesa Inishuwarenzi Zvirongwa Kuderedza Kudzokorora Kwako
- Hausi kutora mikana yemapurogiramu matsva ayo anotarisirwa kuderedza mari yakawanda neye inshuwarisi yako vanhu vakawanda vanokanganisa zvinoita kuti vawane mari yakawanda. Mumwe muenzaniso ndeye Usage-Based Car Car Insurance . Dzimwe nguva apo mapurogiramu matsva akaiswa panzvimbo, kambani yeInishuwarenzi inogona kuchinja mitengo inofunga kuti nhoroondo yavo yevashandi ichave iri kusarudza purogiramu itsva. Kusatora zvinyorwa izvi zvinogona kukanganisa kukosha kwaunoita. Nguva dzose mubvunze vashandi vako kana pane zvipo zvitsva kana mapurogiramu yako inshuwarisi yakatanga uye inoenderera mberi nemitengo yakanakisisa-yakasarudzwa.
Nzira Iyo Inishuwarenzi Yenyu Yakaitwa Kana Broker Inogona Kukubatsira Kuti Udzikise Motokari Yako Inishuwarenzi
Inowanzobatanidzwa chezvinhu zvinowedzera kuwedzera kwema motokari yemotokari. Kana pane huwandu hwehuwandu hunowedzera, vamiririri veshuwarisi vanowanzoziva nokuti vane ruzivo rwekuona zviyero nezvose zvadzo zvekuvandudza uye vachave nemanzwiro ezviri kuitika mumhizha.
Zviri nyore kuedza uye kuziva zvakanakira kuti chii chinonyanya kukukanganisa kuburikidza nekubvunza mubatsiri wako mibvunzo pamusoro pokuti kuwedzera kunobva kupi. Kana vasina chokwadi, iwe unogona kuvabatsira kuti vaedze pfungwa yacho nekuvakumbira kuti vatore mamwe motokari panzvimbo yenyu - kana iwe uchifunga kuti ndeye motokari yako.
Kana iwe uchifunga kuti iri pamusoro penharaunda yaunogara, unogona kuedza nekudzorera shanduko mu zip code kuti uone. Kana zvimwe zvinhu zvose zvichingofanana, uye mutengo unoshanduka, iwe unoziva kuwedzera kwekuwedzera kunokonzerwa nekushandurwa kwekero.
- Bvunza vashandi vako kana vakatarisa dzimwe inshuwarisi vatakura uye kuti iyo yakaenzana yakaenzanisa sei nemamwe makambani eshuwarisi. Dzimwe nguva kana iwe uchinge uchinge wakaderera huwandu hunoonekwa nevamwe vanopa humwe unogona kukwanisa kutaurirana nezvekuwedzera kuderedzwa.
- Iva nechokwadi chokuti une zvikwereti zvose zvinoshandiswa pamutemo wako. Tinonzwa izvi kakawanda, asi apo makambani eshuwarisi achichinja zvirongwa zvavo nemapurogiramu kakawanda sezvavanoita mazuva ano, zviri nyore kune chimwe chinhu chisingakanganwi kana kukanganikwa.
- Kana iwe uine motokari yakashandura mabheji kana mamwe mabasa ezvokuchengetedza, tsvaga kana bhizinesi yako yekambisi inopa purogiramu yeizvi.Ukwanisi hwekuchengeteka mumotokari dziri kuchinja nokukurumidza, vamwe vatsigiri vanopa zvikwereti.
- Ita chiongorudzo chakakwana chezvipfeko zvako uye ita nechokwadi chokuti une zvinhu zvinonyatsopindura zvinodiwa zvako zvino.
- Iva nechokwadi chekuti hausi kutongerwa mhosva nekuda kwezvikwereti kana kutyaira zvinyorwa zvevamwe vanotyaira pamutemo wako, kana pane mamiriro asina kushandiswa.
Izvi zvose zvinhu mutengesi kana mujeri anogona kukwanisa kukubatsira. Kunzwisisa zvinokonzera inshuwarisi mutengo wekuwedzera kwekuvandudzwa kunokuisa mukutonga kwehutungamiri hwako, uye mukukwanisa kutaurirana kuti uwane zvigaro zvakanakisisa.
Kuongorora kweTisit Auto Insurance .