Kana iwe uri mutyairi anokanganisa-munhu ane kazhinji katetikiti dzinokurumidzira, maitiro ekufambisa asingakoshi, uye DHI iri-rekodhi, hazvishamisi kuti makambani einishuwarenzi haasi kukurumidza mukana wokukuchengetedza uye kukugamuchira iwe mumudzidzi wengozi yavo. Asi pane zvimwe, zvinhu zvishoma zvisingaratidziki zvinogona kuita kuti iwe uve mungozi yakanyanya mumaziso evanishuwarenzi:
- Kuva wakwegura kana kuti muduku
- Kuva usina kuroorwa
- Kuva nechikwereti chakashata
- Kutya motokari yemotokari
- Kurarama mune imwe nzvimbo yakakwirira
Kana uri mutyairi chaiye wekutengesa ane nhoroondo yekufunga kuti uri pamusoro pemutemo, unogona kunge uri mukuru kupfuura mutyairi wepamusoro: iwe unogona kunge uri hurumende-yakagadziridzwa zvikuru-kutyaira mutyairi.
Kana iwe wakatongerwa mhosva yekudhakwa, wakawana vazhinji kupfurikidza nekuputsa munguva pfupi, wakadzingwa pasina reisense kana kuti tsamba yako ichangobva kumiswa kana kuregererwa, iwe ungadai wakagamuchira dare remutemo re SR-22 , Dare reMutoro, iro iwe uchazodiwa kuti urambe uine faira nehurumende DMV kana iwe uwana inshupiri anoda kukuendesa. Kusiyana nemafungiro evanhu vakawanda (uye zvasarudzwa pane mamwe mawebsite einshuwarisi), SR-22 haisi iyo yerurivo-iyo inoratidzira hurumende kuti une inshuwarisi.
Kana iwe wakanga uine chivimbo chakakomba, iwe uchave uchiripira kuri iyo kambani yenyaradzo .
Kunodhaira motokari kunogona kukwidza miriyamisi yako yepamusoro ye75 muzana, uye kunyange kutengesa matikiti kunogona kusimudza mukana wako zvakanyanya.
Funga nezveVaGurisi Vakuru
Kana iwe uchifunga kuti makambani makuru uye akakurumbira emakambani einishuwarenzi angave akazeza kukusimbisa iwe, iwe unenge usina kukanganisa. Zvechokwadi, iwe uchabhadhara kupfuura mukana wekutengesa pangozi, asi vazhinji vekuchengetedza mabhizimusi vane zvigadziro uye vanozogadzira mazano ehushuga ayo angakubatira iwe.
Geico, Nationwide, Farmers Insurance uye vose vane zvikwata zvinoshanda zvakananga nevanokuvadza zvikuru. Iwe haufaniri kushanda kune imwe kambani-asi, iwe uchapfuura nenzira imwechete yekushanda iyo wese wese anoita.
Asi Usarudze Vanhu Vasingaverengi Vati Inshuwarisi
Kunyange zvazvo vatambi vakakurisa vangaita sokuti sarudzo yakashata, haisi kuzogara yakakosha zvakakwana kune munhu mumwe nomumwe. Kune zvikwereti zvinyorwa zviduku zvakagadzirwa nekuda kwevanotyaira pangozi, vanozivikanwawo sevasingawanisi vhizimisi bhizinesi, uye vanofanirwa kuongorora.
Kana iwe usingakwanisi kuwana chero kambani ye inshuwarisi iyo ichakusimbisa, zvichida iwe unofanira kufunga kutora bhazi kana mamwe maitiro ekufambisa vanhu. Asi sekupedzisira inshuwarheni yakashandura, tarisa hurumende yehurumende yehurumende yemainishuwarenzi inowanika munharaunda yako.
Icho Chinonyanya kukosha Kupfuura Yekare Kutenga Pasi
Kungoti iwe uri mutyairi wekutya hazvirevi kuti iwe unofanirwa kubvuma mbiru dzematenga zvakakwirira pasina kuvhara ziso. Sezvo nechinangwa chipi nechipi chinokosha chezvemari, zvakakosha chaizvo kutengesa zvakapoteredza uye kuenzanisa zvasarudzo. Nepo iwe zvichida hauna kufara zvikuru nekunyorwa kune ngozi yakawanda, zvisarudzo zvakawanda izvo zvichaita kuti iwe ugare wakachengeteka uye mumugwagwa pasina nguva.
Iwe uchange uchiri kubhadhara kupfuura iwe unogona kudai iwe usina kunyorwa kuti uri mutengesi wakaipisisa, asi kutengesa kunenge uchiri kukoshesa nguva yako. Nokuti uri kutangira kubva kune imwe nzvimbo yekubhadhara zvakawanda, zvakakosha zvakanyanya kuti iwe uzvitengese zvakapoteredza pane zvaizova kune mumwe munhu asiri pangozi yakakwirira.
Uye haisi yepamusoro yemitengo yaunofanirwa kunge uri kutengesa. Iwe unofanirwawo kuedza kuwana chirongwa chekubhadhara chinoshandiswa (kana uchichida) uye sezvizhinji zvaunofunga zvaizoita kuti upenyu hwako huve nyore sezvaunokwanisa. Iwe unofanirwawo kuedza kutsvaga makambani anokubvumira kuisa mararamiro ako pachako kuitira kuti iwe uri kungobhadhara izvo iwe chaizvoizvo uye zvechokwadi unoda. Zvisinei, kana iwe une SR-22, zvinogona kunge zvakanyatsotarisirwa zvinodiwa zvishoma iwe unofanira kugara nazvo.
Usakanganwa kukumbira zvikwereti. Kuvhara inshuwarisi yako, kuva nerekodhi yakanaka yekufambisa , uye kuva nemoto yakachengeteka ingakwanisa kukuchengetedza mari mwedzi mumwe nomumwe.
Funga Kubhadhara Deductible Yakakwirira
Kuda kubhadhara zvikwereti zvakaderedza zvakakonzerwa nekambani yeinishuwarenzi iyo iwe une mari yakawanikwa mune zvemari mukusavapa chero mari-nokuti iwe uchange uri pachigodo chazvo zvakare! Kazhinji, kana iwe uchida kutora chikamu chepamusoro chekudzikinura , iwe uchange uine mibayiro mikuru mwedzi mumwe nomumwe.