Kudzokorora Car Car Insurance
Kuparidzirwa kwaunosarudza zviri pachena zvakakosha.
Kunzwisisa kugoverana kwako chinhu chinodiwa. Hazvibviri kuva nesimba pamusoro pechinhu chausinganzwisisi. Dzidza zvakasiyana-siyana zvekugovera kuitira kuti iwe unogona kuita kuti iwe uite zvisarudzo zvakadzidziswa.
Mhiko Miviri : Zvikwereti zvinokonzerwa chaizvo hazvifaniri kuchinja kakawanda. Icho chimiro chekuparidzira iwe unowanzogadza uye kukanganwa. Zvisinei, kana iwe wakatanga nehurumende zvishoma kudarika kubhadhara iwe unogona kuongorora kuwedzera kukura kwako. Mirenge yakasarudzwa ndeye $ 100,000 / $ 300,000. Kana hupfumi hwako hwakapfuura mazana emamiriyoni emadhora madhora, iwe unofanira kufungidzira kuwedzera kugoverwa kwako kunyanya. Chaizvoizvo kutarisa kuti kuwedzere kuverenga kwako? Nokuda kwekudzivirirwa kwakanakisisa kunowanikwa iwe uchada kutenga mutauro wemaamburera . Murairira wakadii unopa mamiriyoni 1 mubasa rekuchengetedzwa kwemotokari, musha, matoyi uye dzimba dzinotora.
Kuparadza Kwepanyama : Kune zvakawanda zvokufunga nezvazvo kana zvakasvika pakukuvara kwepanyama kumotokari yako yese.
Kuparara kwepanyama kunosanganisira kuverenga kwakakwana uye kuwirirana kwekugoverana . Zvinhu zvina zvinokosha zvaunofanira kufunga kana ukaongorora hurongwa hwako:
- Ngozi: Ndeipi mukana wokuti motokari yako iparadzwe? Zvakanaka, hapana munhu anoziva kana njodzi icharova, asi kuchenjera kuedza nekushandisa pfungwa yakawanda sezvinobvira kana uchitarisa kugoverwa kwako. Iwe unogara kunze kwenyika uye unoona nzara zuva rega rega here? Ko motokari dzinogara dzichiwana kukuvadzwa mubasa rako rokupaka kura? Iwe une mufambi wevechiri kuyaruka here kuti iwe unonetseka nekufambisa uye kukuvadza motokari yako? Funga nezvezviitiko zvakasiyana siyana zvaunosangana nazvo nguva dzose kuti ubatsire kusarudza kana kukuvadzwa kwepanyama kunobatsira iwe.
- Kukosha: Kubvisa kukanganisa kwenyama kunobva mumotokari kazhinji kunosarudzwa zvichienderana nekukosha kwemotokari. Apo motokari inoderedza, nharo yekuchengetedza kukanganisa kwenyama kunopera. Somuenzaniso, kana motokari yako yakakosha $ 2500 uye iwe uri kubhadhara $ 100 pamwedzi kuti ugare wakachengetedza motokari yveshuwarisi, mumakore maviri iwe wakanyatsobhadhara zvakakwana kukosha kwemotokari yako mumishonga yehushuga. Usakanganwa iwe zvakare une deductible yekukuvara kwenyama. Zvinonyanya kuitika mumamiriro ezvinhu aya iwe unenge uri nani pakuchengetedza mari kubva pamatengo akakwirira ekukuvara kwemuviri uye kubhadhara kukanganisa kubva muhomwe kana pakaitika njodzi.
- Deductibles : Kushandurwa kwemotokari yemoto ndiyo nguva yakanaka yekudzokororazve zvitsva zvako. Deductibles kuderedza mari yemotokari yemotokari. Iyo yakakwirira iyo yakasarudzwa iwe unosarudza, yakaderedza motokari yako yveshuwarisi mari. Iyo yakagadziriswa ndiyo mari yaunobvumirana kubhadhara panguva yekugadzirisa mushure mokunge yaitika. Iwe unogona kusarudza zvakasiyana-siyana zvinokonzerwa nekukwaniswa uye kupopotedzana. Zvimwe uri kutarisa kuti uchengetedze mari uye uwedzere kudhakwa kwako. Kana, zvichida nguva yechando iri kuuya uye mari yako yekukurumidzira yakazara kwazvo zvokuti iwe unoda kuderedza yako yakabviswa chete kana iwe uri munjodzi paunenge uchityaira mumigwagwa inofamba. Kumbira mumiririri wako wehushuwarisi kana mumiririri wevashandi kuti usarudze zvinokonzerwa zvakasiyana-siyana uye akuudze chiyero chakafanana.
- Zvimwe zvekuwedzera : Kuwedzera pane zvishoma zvishoma kune motokisi yako yemotokari kunogona kuva yakanaka, asi iyo pfungwa yakanaka yekuongorora zvinyorwa izvi kuti ave nechokwadi chokuti vane pfungwa. Kuchengetedza, kubhadhara motokari, kukanganwirwa kwepasipo, kukanganiswa kwechidiki zviduku, zvikamu zveOEM nezvimwe zvinowanika pamitemo yakawanda. Kuongororwa ndiyo nguva yakanakisisa yekuziva kuti chii chinyorwa chiripo uye kuti zvinodhura zvakadini.
Ita Kuti Ndezvipi Zvimotokari Zvose Zvinyorwa Zvakakodzera: Zvikanganiso zvinogona kuwedzerwa kuwedzera uye kubvisa motokari kubva mumutemo wako. Nguva dzose chengeta kuti uone kuti motokari dzakakodzera dzakanyorwa. Kana iwe ukawana kukanganisa, iva nechokwadi chekuzivisa mutori wemotokari yako iyo pakarepo.
Ongorora Zvose Zvaunogona Kupa
Rwendo rurefu rwezvinobvira zvingawanikidzika runowanikwa kubva kune motokari yemotokari vatakuri . Kazhinji iwe unogona kuwana rwandu rwezvinobvira rinodhura pamwe chete neurongwa hwezvidhauriro zvauri kugamuchira mumotokari yako yveshuwarisi yepuraneti.
Dzimwe nguva unogona kunge usingazivi kuti zvakataurwa zvakadini zvinoreva. Nenzira yekuti, "kubhengwa kwebato" kazhinji kunoreva kuva nhengo yechikwata chekodhi kana imwe yeruzhinji club. Kana iwe usingambozivi kuti chii chiri kutora, ita nechokwadi chekutaura nemotokari yemumiririri wechuwarisi kana mumiririri wevashandi vese kumutsanangudzo.
Maitiro makuru ekutsigira iwe uri kuwanikwa kana uchikodzera
- Mari Yakagadzikana Discount : Inosanganisira makambani ese einishuwarenzi anoshandisa chikwereti chenhamba yako sechinhu chepamusoro chekutengesa motokari yako. Kana iwe uchidavira kuti chikwereti chako chikoro chave chavandudzwa munguva pfupi yapfuura, unogona kukumbira kambani yako yveshuwarisi kuti udzokere zvakare mupiro wako uye chero ipi zvayo inobatsira inofanira kushandiswa kune inshuwarheni yako yepamusoro. Rega mumiririri wemotokari yako yemotokari azive uye anofanira kunge akakwanisa kutarisa mauri.
- Multi-Car Discount : Kana une motokari yemotokari inopfuura imwe chete uye inotarisirwa kubhadhara kana kupfuura, unokodzera. Izvi hazvirevi kutengesa kakawanda kusina, asi hazvikuvadzi kutarisa izvo chete kana zvikanganiswa nekombiyuta.
- Multi-Policy Discount : Iri kutengesa ndiro rakakura uye rakanganwa kakawanda kupfuura rinofanira. Mutambi wako wehushuwarisi kana mumiririri anofanirwa kuwedzera purogiramu iyi panguva yaunowedzera mutemo wechipiri. Kana iwe ukawana kuderedzwa kuri kusina uye iwe unotova nemitemo yakawanda pamwe chete nehutachivhisi wekutengesa, bvunza kubhadhara kuti udzoke zvakare. Kudzorera kunoreva kuti iwe uchawana kuderedzwa kwekare shure kwezuva rawakatenga mutemo wechipiri uye iwe unofanira kuwana mari yakawanda pamusoro peinishuwarenzi yako mari.
Kudzokorora Kurapa Kwechiremba
Kurapa kurapwa kwechiremba kunogona kuchinja nyore nyore nguva nenguva. Kuwana basa idzva uye rubatsiro rwezvechiremba, kurasikirwa nebasa uye kurasikirwa nezvikomborero zvako zvinogona kukanganisa motokari yveshuwarisi yako. Dzimwe nguva kunyange iwe waunoshandisa iye zvino asarudza kuti haadi iwe hutano hwehutano inshuwarisi yekuvhara zviitiko zvemotokari uye iwe unoda kutenga kupota kuburikidza nemotokari yako yveshuwarisi. Iko pfungwa yakanaka kuziva kuti hurongwa hwako hwakagadziriswa sei, hutano hupi hwehutano hwaunotakura, uye kana iwe usina kana munhu mumwe nomumwe anotsvaga kubhadharwa kwechiremba.
Somuenzaniso, kana iwe uine $ 500 inobviswa munhu wese uye kune vanhu vana mumhuri yako yepedyo, imwe yengozi yemotokari ingakubhadhara $ 2000 kana munhu wese akakuvadzwa kunyange kana iri duku. Usingarevi kutadza kwekuvhiringidza kwemuviri yemotokari yako uye mari. Izvi zvinogona kuwedzera nokukurumidza uye kana iwe usina kuziva kuti hurongwa hwako hwakagadzirirwa nenzira iyi inogona kushamiswa kukuru mune imwe nguva inotambudza.
Ongorora Zvose Dhairi
Zvakakosha kudzokorora vatyairi pamotokari yako yveshuwarisi yekuita zvakarurama. Vose vanofambisa avo vane ukama kune uyo anonzi inshuwaridzi, muridzi wemutemo, vanofanirwa kuverengerwa kana semutyairi kana musikana asina kubatwa. Zvimwe zvisiri izvo zvinobvumira nhengo yemhuri kuva nehutano hwavo hwakasiyana nemumwe mutakuri, asi kazhinji uchapupu hwekugovera huchadiwa.
Chii Chakutarisa
- Inishuwarenzi yakawanda inotakura, asi kwete yose, inoda vechidiki nemvumho kuti vawedzerwe semutyairi. Zvakakosha kukurukura nemotokari yemujeri wenyu.
- Waiziva here kuti kunze kwekufambisa mutyairi angakubhadhara mari? Mamwe mashuwarisi anotakura mutero anotora pakuronga mutyairi asina kubviswa kunyange zvazvo zero yekugoverwa inowanikwa kana kunze kwevatyairi vari kutyaira panguva yengozi. Semuenzaniso, kuMichigan, kunyange zvazvo mutyairi asina kubhadhara kurapwa kwake mune zvekurapa kunofukidzwa nechikwereti chisingagumi chemadhora kana vakakuvara semunhu anofamba mumotokari. Saka, zvinonzwisisika mutakuri wemishuwarenzi aizounganidza mari yehuwandu hwakapiwa. Kana munhu asina kukodzera mutyairi achibuda mumba mako uye ane motokari yechipatimendi yomshuwarisi, iva nechokwadi chekuzivisa imotokari yako yemushuwarisi kuitira kuti mutori wacho asina kubviswa abviswa.
- Kuputsika kwemigwagwa kunobata madereji ega. Kana tikiti iri pedyo nekupera, kazhinji makore matatu mushure mekugamuchira, tarisa kunyatsoongorora zuva rako rekuvandudza. Dzimwe nguva kana tikiti yako inodonha pakarepo mushure mekunge mutemo wako uchidzoka, iwe unogona kuita kuti hurongwa hwako hunyorwezve kuburikidza nemutakuri mumwechete kana kuti shandura motokari yevashandi vese kuti vawane mutengo wakaderera nokukurumidza. Zvakare, taura newaini yako yerutivi yveshuwarisi kuti unzwisise zvakakwana zvaunogona kuwana.
Kukosha Kwenguva Dzose Car Inoshandiswa
Kuongorora motokari yemotokari haisi pfungwa yakanaka chete yekukuchengetedza mari. Inogonawo kuvimbisa kuti iwe wakafukidzirwa zvakanaka panguva yengozi. Kungozi yemotokari inogona kuparadza pachayo pachayo. Kuwana iwe hauna kuvharwa apo iwe wakanyatsofunga kuti iwe uri chimwe chinhu chausingadi kuve nacho. Kutora rimwe basa uye kuongorora nheyo yako kunogona kukuponesa kubva panjodzi.
Ongorora Zvamakataurira Peji Zvose Kuvandudzwa
Mitemo yakawanda inovandudza mwedzi mitanhatu yese. Pepetet yemashoko inotumirwa kana kutumirwa tsamba kune iwe kunyora nezvehutano hwako uye kugovera. Kubva pane zvose mapepa, peji yako yekuzivisa ndiyo inonyanya kukosha. Ichava nemashoko ako ose akanyorwa mune tariro kuti iri nyore kuverenga nenzira. Nguva imwe neimwe paunowana motokari yako yutsvaga yatsvaga kuitora iko kwezvikanganiso uye yishandise sechiyeuchidzo chezvaunogona kugovera. Usatora zvipupuriro zvako zve inshuwarisi uye udzire kunze kwezvese usina kufunga. Car inshuwarisi inokosha uye zvakakosha kuti ive nayo yakarurama pamapepa uye mupfungwa dzako.