Kuipa kwechikwereti kunokanganisa mitengo yeinishuwarenzi yemotokari
Zviri mukati
- Mashandisiro Makambani Einishuwarenzi Anoshandisa Chikwereti Chako Chibodzwa
- Yakashata nhoroondo yechikwereti inogona kuwedzera zvakanyanya mitengo yeinishuwarenzi yemotokari.
- Mabatiro Anoita Kubhuroka Kunoita Auto Inishuwarenzi Matengo
- Zvinhu Zvinokanganisa Motokari Yako Inishuwarenzi Estimate
- Matekiniki ekuvandudza auto inishuwarenzi kukosha
Nhoroondo yakaipa yechikwereti inoita kuti zviome kuwana chikwereti chemotokari kana kurojesa mota, uye zvakare zvinoita kuti zviome kuwana inishuwarenzi yemotokari. Mamwe makambani einishuwarenzi emotokari achawedzera auto inshuwarisi mwero kana uine chikwereti chakashata, asi vamwe vane unyoro kune avo vane kiredhiti yakaipa, zvakafanana nemabatiro anoita makambani emakadhi echikwereti vatengi nechikwereti chakashata. Zvikwereti zvinokanganisa zvikwereti zvemotokari, makadhi echikwereti, zvikwereti, uye kunyange basa.
| FICO chikwereti chikamu | |
|---|---|
| Akaunti | Rating |
| 760 - 850 | Прекрасно |
| 700 - 759 | Ita kuti uite |
| 723 | Avhareji yeFICO mamakisi |
| 660 - 699 | Zvakanaka |
| 687 | Avhareji yeFICO mamakisi |
| 620 - 659 | Hazvina kunaka |
| 580 - 619 | Hazvina kunaka |
| 500 - 579 | Zvakaipa kwazvo |
Tevera chikwereti chako chemutengi kana FICO zvibodzwa kuburikidza newebhusaiti seCredit Karma kana WisePiggy. Vanopa nzira yemahara yekuona zvibodzwa zvakaverengerwa nekiredhiti bureau, pamwe nemishumo yechikwereti iyo yakavakirwa pairi.
Mashandisiro Makambani Einishuwarenzi Anoshandisa Chikwereti Chako Chibodzwa
Mazhinji makambani einishuwarenzi anoona nhoroondo yechikwereti chinhu chakakosha pakumisa mitengo yeinishuwarenzi yemotokari neyepamba. Matunhu ese kunze kweCalifornia, Massachusetts neHawaii anobvumira mainishuwarenzi kuti atarise nhoroondo yechikwereti. Makambani einishuwarenzi anoshandisa pfungwa yekuti vanhu vanobhadhara mabhiri avo nenguva vanochaja shoma uye vanochipa pane vanononoka kubhadhara.
Nekudaro, makambani einishuwarenzi haatore chikamu chechikwereti chimwe chete sevanokweretesa - vanoshandisa chiyero chakagadzirirwa ivo. Chikwereti chechikwereti chinoshandiswa nevakweretesi chinofanotaura kukwanisa kwako kubhadhara chikwereti, nepo chikwereti cheinishuwarenzi chekwereti chinofanotaura kana iwe uchaisa chikumbiro.
Yakashata nhoroondo yechikwereti inogona kuwedzera zvakanyanya mitengo yeinishuwarenzi yemotokari.
Mune 47 inotaura apo chikwereti chako chekwereti chinogona kukanganisa mutengo weinishuwarenzi yemotokari, migumisiro yechikwereti chakaipa inogona kuva yakaoma. Insurance.com yakapa Quadrant Information Services kuti ienzanise mitengo yekuvhara yakazara yevatyairi vane avhareji kana nani kiredhiti, kiredhiti yakanaka, uye kiredhiti yakaipa.
| Avhareji misiyano mumitengo yeinishuwarenzi inoenderana nekiredhiti | |||
|---|---|---|---|
| Inishuwarenzi Kambani | Yakanakisa kiredhiti inishuwarenzi rate | Avhareji yechikwereti cheinishuwarenzi | Mari yeinishuwarenzi yakaipa yechikwereti |
| State purazi | $563 | $755 | $1,277 |
| Allstate | $948 | $1,078 | $1,318 |
Avhareji misiyano mumitengo pakati pezvakanaka uye inogutsa yechikwereti yaive 17% muUS. Musiyano pakati pezvakanaka nezvakaipa zvekukwereta waive 67%.
Chikwereti chako chibodzwa chinogona kutokanganisa mubhadharo wepasi uyo kambani yeinishuwarenzi inoda uye sarudzo dzekubhadhara dziripo kwauri.
Mabatiro Anoita Kubhuroka Kunoita Auto Inishuwarenzi Matengo
Kuzivisa kubhuroka kunogona kukanganisa inishuwarenzi yako, asi yakawanda sei zvinoenderana nechikwereti chechikwereti chawaive nacho usati wabhuroka. Kana iwe uine inishuwarenzi uye uchiramba uchibhadhara nguva dzose, haugone kuona kuwedzera kwechiyero kana inishuwarenzi yako inovandudzwa, kunyangwe mamwe makambani achaongorora nhoroondo yako yechikwereti kamwe pagore. Sezvakaita nechikwereti chechikwereti chakaderera, kubhuroka kunogona kutungamira kumitengo yakakwira.
Kubhuroka kunogara kuchikuvadza chikwereti chako uye kucharamba kuri munhoroondo yako kusvika kumakore gumi. Mumakore aya, makambani einishuwarenzi emotokari anoshandisa chikwereti sechikamu chekuongorora kwavo njodzi anogona kuwedzera chiyero chako kana kuramba kukupa mitengo yakaderera iripo. Kana iwe uri kutenga mutemo mutsva mushure mekubhuroka, unogona kuona kuti mamwe makambani haakupe iwe quote.
Zvinhu Zvinokanganisa Motokari Yako Inishuwarenzi Estimate
Makambani einishuwarenzi anoti zvinonyanya kukosha pachikwereti cheinishuwarenzi yakanaka inhoroondo refu yechikwereti, kunonoka kubhadhara kana maakaundi ehutsotsi, uye akavhurika maakaundi echikwereti mune zvakanaka.
Zvakajairwa zvakaipa zvinosanganisira kunonoka kubhadhara, mubhadharo, mwero wechikwereti chakakwira, nhamba yepamusoro yemibvunzo yechikwereti, uye nhoroondo pfupi yechikwereti. Mari yako, zera, dzinza, kero, murume kana mukadzi, uye chimiro chewanano hazviverengeki kune ako mapoinzi.
Kushandiswa kwechikwereti kuseta maprimiyamu kune gakava. Vamwe vamiriri vevatengi vanoti zvinorangira vanhu vane mari shoma kana avo vakarasikirwa nemabasa - vanhu vanonyanya kuda inishuwarenzi yemotokari yakachipa. Asi veinishuwarenzi vanoti, zvakasanganiswa nezvimwe zvinhu zvekuyeresa, kushandisa kiredhiti inishuwarenzi zvibodzwa zvinovabatsira kuseta mitengo chaiyo uye yakakodzera.
Matekiniki ekuvandudza auto inishuwarenzi kukosha
Kuti uvandudze kiredhiti-yakavakirwa inishuwarenzi mamakisi uye kuwana maprimiyamu akaderera, iva nechokwadi chekubhadhara mabhiri ako nenguva uye chengetedza mabhiri ako ese ari mumamiriro akanaka. Kunonoka kubhadhara uye mubhadharo zvinokukuvadza. Seta uye chengetedza chikwereti. Kurebesa iwe uchichengetedza nhoroondo yakanaka yechikwereti, zviri nani.
Kwete kana nhoroondo shoma yechikwereti ichadzikisa zvibodzwa zvako. Usavhura maakaundi echikwereti asina basa. Maakaundi matsva akawandisa anoratidza matambudziko. Vhura chete maaccount account aunoda chaizvo. Chengetedza chiyero chekadhi rechikwereti chakaderera. Nhamba yeinishuwarenzi inotarisa mari yaunokwereta maererano nemiganhu yako yekwereti. Dzivisa kuwedzera makadhi ako echikwereti. Ita shuwa kuti repoti yako yechikwereti ndeyechokwadi. Kukanganisa kunogona kukanganisa account yako. Unogona kukumbira makopi emahara emarepoti ako echikwereti kubva kumatatu emunyika ekuzivisa kiredhiti masangano kuburikidza neAnnualCreditReport.com.
Ipfungwa yakanaka kuti uwane mazano ezvemari kubva kune nyanzvi kana uchida rubatsiro rwekuziva kuti mari yako inoenderera sei. Unogona kuwana rubatsiro rwemahara kana rwemutengo wakaderera kuburikidza neasina purofiti National Credit Counseling Foundation.
Yako auto inishuwarenzi mitengo inogona kuderera sezvo chikwereti chako chinowedzera. Enzanisa auto inishuwarenzi makotesheni panguva yekuvandudzwa kana iwe ukaona maitiro akanaka mufungidziro yako.
Sources
Yakawanda sei iyo yakaipa chikwereti inowedzera mitengo yako?
Ko Bankruptcy Inokanganisa Auto Insurance Rates?
Chii Chinobatsira uye Chinorwadza Auto Yako Inishuwarenzi
Maitiro ekuvandudza yako auto inishuwarenzi mamakisi
Chinyorwa ichi chakagadziridzwa nemvumo ye carinsurance.com: http://www.insurance.com/auto-insurance/saving-money/car-insurance-for-bad-credit.html.
