Nzira yekubatanidza inishuwarenzi yemotokari uye inishuwarenzi yevaridzi vemba

Kutenga maviri kana akawanda einishuwarenzi, akadai semuridzi wemba uye auto inishuwarenzi, kubva kune imwechete inishuwarenzi kambani inonzi "bundling." Kubatanidza kunokuchengetera mari nekuderedzwa kunoshanda kune ese mapolicy. Izvi zvinonzi "multi-policy discount" pane peji rekuzivisa.

Kuwedzera pakuchipa pane kuva nemainishuwarenzi ega ega, bundling ine zvimwe zvakanakira, zvakadai sekunetseka kushoma. Nekubata nekambani imwe chete yeinishuwarenzi, unogona kubata zviri nyore marongero ako kuburikidza neiyo imwechete online portal kana mumiririri. Iwe unogona zvakare kuona mapundu ekuvhara uye kusanganisa nguva dzekuvandudza uye mazuva ekubhadhara.

Zvichienderana nekambani yeinishuwarenzi uye kwaunogara, kune mamwe mabhenefiti ekuunganidza. Semuenzaniso, Safeco inopa vamwe vatengi vanobatanidza iyo franchise yekurasikirwa kumwe chete. Saka, kana mota yako ikakuvadzwa senge imba yako (senge mafashama), franchise yemota yako inokanzurwa mushure mekunge franchise yemuridzi wemba yako yabhadharwa.

Nzira yekuona kana kititi yakakunakira iwe

Nepo yako auto policy package inogona kukupa kuderedzwa, haisiriyo sarudzo yakanaka nguva dzose. Iwe unogona kuwana mitengo yakaderera pamotokari uye dzimba nekutenga mitemo kubva kumakambani maviri einishuwarenzi akasiyana.

Zvinoenderana neUS National Auto Insurance Survey neJD Power and Associates, 58% yevanhu vanosanganisa mota dzavo neinishuwarenzi dzepamba. Kuti uone kana iwe uchifanira kujoinha iyi muzana, enzanisa auto inishuwarenzi mitengo uye uye isina package.

Iko kuderedzwa kwezvirongwa zvakaputirwa kunosiyana zvichienderana nekambani yeinishuwarenzi. Paavhareji, mari yakachengetwa kubva mukubatanidza inishuwarenzi yemotokari nemainishuwarenzi epamba mune imwe kambani yeinishuwarenzi (muUS) yaive ingangoita 7.7%. Yaive 4.9% yeinishuwarenzi yakarongedzwa auto uye renter (maererano nedata rakanyorwa neQuadrant Information Services yeInsurance.com).

Makambani einishuwarenzi dzimwe nguva anopa mutero pazvirongwa zvese zviri zviviri pachinzvimbo chechidimbu chemari. Vafambi vanowana kuderedzwa kusvika ku13% painishuwarenzi yemotokari uye kusvika ku15% painishuwarenzi yepamba kana uchibatanidza mainishuwarenzi. Consolidation inogonawo kubatsira kubvisa mamwe mari. Semuenzaniso, inshuwarisi yemotokari yevechiri kuyaruka inodhura, saka kana uri kuwedzera mutyairi wevechiri kuyaruka achangobva kubvumirwa kumutemo wako, iva nechokwadi chekufungisisa kusungirirana kuchengetedza mari pasi.

Chimwe chezvikonzero zvinoita kuti makambani einishuwarenzi ape zvidzikiso izvi imhaka yekuti vanowana purofiti kubva kumapuratifomu maviri, uye pamwe nekuti vatengi vanosanganisa mainishuwarenzi avo vanogona kuvandudza marongero avo. Makambani einishuwarenzi anozivawo kuti varidzi vemba vari kuita zvirevo zvishoma pamainishuwarenzi avo emotokari.

Mamwe marudzi einishuwarenzi anogona kusanganiswa neinishuwarenzi yepamba nemota.

Kune mamwe marudzi einishuwarenzi aunogona kuwedzera kumota yako neinishuwarenzi yepamba kuti uwane yakaderera mitengo yeinishuwarenzi kazhinji:

• kufarira
• Pikipiki
• RV
• HUPENYU

Kunyangwe mamwe makambani einishuwarenzi emotokari asingape varidzi vedzimba inishuwarenzi, vamwe vanogona kubatana neinishuwarenzi yemba kuti vape mutero. Iwe unofanirwa kugara uchibvunza mumiriri wako kana mutsigiri wekutsigira kuti aone zviripo.

Makambani einishuwarenzi emotokari anosanganisa

Makambani mazhinji anogona kusanganisa imba uye auto inishuwarenzi mitemo, yakadai seProgressive, Safeco, uye The Hartford, kungotaura zvishoma. Fonera Insurance.com pa855-430-7751 kuti uwane ruzivo rwemitengo kubva kune ava nevamwe vanopa.

Chinyorwa ichi chakagadziridzwa nemvumo ye carinsurance.com: http://www.insurance.com/auto-insurance/home-and-auto-insurance-bundle.html