Maitiro ekuverenga iyo yakaderedzwa kukosha kwemota yako
Zviri mukati
Chikonzero chikuru chinoita kuti munhu averenge mutengo wakaderedzwa wemotokari ndeyekuisa chikumbiro cheinishuwarenzi mushure metsaona. Nomuzvarirwo, kana mota isingachafambisirwi kana kuve nekukuvara kwakakosha kwekuzora, haina kukosha iyo yakawanda.
Pasinei nokuti ndiani ane mhosva, kambani yako yeinishuwarenzi kana kuti mumwe munhu anosungirwa kukudzorera mari yemotokari yako, zviri mufariro yekambani yeinishuwarenzi kuverenga mutengo wakaderera zvikuru unobvira wemotokari yako.
Mazhinji makambani einishuwarenzi anoshandisa kuverenga kunozivikanwa se "17c" kuona kukosha kwemari yemotokari yako mushure mekuparara. Iyi fomu yakatanga kushandiswa mumhosva yeGeorgia inobata nyaya ye sovkhoz uye inotora zita rayo kubva kwayakaratidzwa mumatare edzimhosva enyaya iyoyo - ndima 17, chikamu c.
Formula 17c yakabvumidzwa kuti ishandiswe mune iyi kesi, uye hazvina kutora nguva kuti makambani einishuwarenzi atore tsika yekuwana yakaderera tsika vachishandisa kuverenga uku. Nekuda kweizvozvo, iyo fomula yakagamuchirwa zvakanyanya seye inishuwarenzi mwero, zvisinei nekuti yakangoshandiswa kune imwe yekukuvadza nyaya muGeorgia.
Nekudaro, mushure mekuparara, iwe unozobatsirwa zvakanyanya kubva kune yakakwira yakaderedzwa mutengo nhamba. Ndicho chikonzero nei zvakakosha kuziva kuti kambani yeinishuwarenzi inobhadhara chikwereti chako ichawana sei kukosha kwezvino yemotokari yako uye kukosha kwayo chaiko kana ukaitengesa mumamiriro ayo aripo. Kana, mushure mekuverenga kukosha kwakaderedzwa kwemotokari yako munzira mbiri, ukawana mutsauko mukuru pakati penhamba, unogona kutaurirana chibvumirano chiri nani.
Nzira 1 ye2 Shandisa Equation 17c kuona kuti makambani einishuwarenzi anoverenga sei mutengo wakaderedzwa.
Danho 1: Sarudza mutengo wekutengesa wemotokari yako. Iko kutengesa kana kukosha kwemusika kwemotokari yako imari iyo NADA kana Kelley Blue Book inosarudza kana motokari yako yakakosha.
Kunyange iyi iri nhamba iyo vanhu vazhinji vangafunga kuti yakakodzera, haifungi kuti mutengo unosiyana sei kubva kune imwe nyika kuenda kune imwe nyika, pamwe nezvimwe zvinhu. Nhamba yakawanikwa nenzira iyi haisiwo mune zvido zvekambani yeinishuwarenzi.
Kuti uite izvi, shanyira webhusaiti yeNADA kana Kelley Blue Book webhusaiti uye shandisa calculator wizard. Iwe unozofanirwa kuziva magadzirirwo uye modhi yemotokari yako, mileage yayo, uye pfungwa yakanaka yehukuru hwekukuvara kwemotokari yako.
Danho rechipiri: Isa 2% muganho kune iyi kukosha.. Kunyangwe muState Farm Claims kesi muGeorgia, iyo yakaunza 17c formula, hapana tsananguro yekuti sei 10% yemari yekutanga inotarwa neNADA kana Kelley Blue Book inobviswa yega, asi iyi ndiyo muganhu wekuti makambani einishuwarenzi anoramba achishanda.
Saka, wedzera kukosha kwawakawana neNADA kana Kelley Blue Book calculator ne 10. Izvi zvinogadzirisa mari yakawanda iyo kambani yeinishuwarenzi inogona kubhadhara pakutsvaga kwemotokari yako.
Nhanho 3: Isa iyo yekukuvadza multiplier. Iyi yekuwedzera inogadzirisa huwandu hwawakagamuchira padanho rekupedzisira zvichienderana nekukuvadzwa kwemotokari yako. Muchiitiko ichi, zvinonakidza, kukanganisa kwemagetsi hakufungidzirwe.
Izvi zvinokonzerwa nekudikanwa kwekutsiva kana kugadzirisa zvikamu zvemotokari; kambani yeinishuwarenzi inongovhara izvo zvisingagoni kugadziriswa nechikamu chitsva.
Kana iwe uchifunga kuti izvi zvinovhiringa, ndizvo uye hazvikupe iwe kune yakarasika kukosha kwekutengesa. Tora nhamba yawakawana munhanho yechipiri woiwedzera nenhamba inotevera inotsanangura zvakanyanya kukuvadzwa kwemota yako:
- 1: kukanganisa kwakanyanya kwechimiro
- 0.75: kukuvara kwakanyanya kwemaitiro uye mapaneru
- 0.50: zvine mwero zvimiro uye kukuvara kwepaneru
- 0.25: diki dhizaini uye kukuvara kwepaneru
- 0.00: hapana kukuvara kwechimiro kana kutsiviwa
Nhanho 4: Bvisa Mutengo Wakawanda weMota Yako Mileage. Kunyange zvazvo zvine musoro kuti motokari ine mamaira akawanda inokosha kudarika motokari imwe chete ine mamaira mashoma, fomula ye17c inotoverenga mileage pambeu sezvakatemwa neNADA kana Kelly Blue Book. Zvinosuruvarisa, makambani einishuwarenzi anotora mari yeizvi kaviri, uye iyo mari i $ 0 kana motokari yako ine makiromita anopfuura 100,000 XNUMX pane odometer.
Wedzera nhamba yawakawana padanho rechitatu nenhamba inoenderana kubva pane rondedzero iri pazasi kuti uwane iyo yekupedzisira yakaderedzwa kukosha kwemota yako uchishandisa formula 17c:
- 1.0: 0–19,999 mamaira
- 0.80: 20,000–39,999 mamaira
- 0.60: 40,000–59,999 mamaira
- 0.40: 60,000–79,999 mamaira
- 0.20: 80,000–99.999 mamaira
- 0.00: 100,000+
Nzira 2 ye2: Verenga iyo chaiyo yakaderedzwa mutengo
Danho 1: Verenga kukosha kwemota yako isati yakuvadzwa. Zvakare, shandisa karukureta pawebsite yeNADA kana Kelley Blue Book kuti uone kukosha kwemotokari yako isati yakuvadzwa.
Danho rechipiri: Verenga kukosha kwemotokari yako mushure mekunge yakuvadzwa. Mamwe mafemu ezvemitemo anowanza kukosha kweBlue Book ne33 obvisa mari iyoyo kuti awane kukosha kwazvinoita mushure menjodzi.
Enzanisa kukosha uku nemota dzakafanana nenhoroondo dzetsaona kuti uwane kukosha chaiko kwemota yako. Ngatitii mune iyi nyaya, mota dzakafanana pamusika dzinodhura pakati pe8,000 ne10,000 $. Iwe unogona kuda kuwedzera kukosha kwakatarwa mushure metsaona kusvika kumadhora ma9,000.
Danho rechitatu: Bvisa kukosha kwemotokari yako mushure mengozi kubva pakukosha kwemotokari yako isati yaitika.. Izvi zvinokupa fungidziro yakanaka yeiyo chaiyo yakaderedzwa kukosha kwemotokari yako.
Kana hunhu hwakadzikiswa hwakatemerwa nemaitiro ese ari maviri akasiyana zvakanyanya, unogona kubata kambani yeinishuwarenzi inotarisira kukubhadhara iwe kurasikirwa kwekukosha kwemota yako nekuda kwetsaona. Ziva, zvisinei, kuti izvi zvingangononotsa chikumbiro chako cheinishuwarenzi uye ungatofanira kuhaya gweta kuti ubudirire. Pakupedzisira, iwe unofanirwa kusarudza kana iyo yakawedzerwa nguva uye kunetseka kwakakodzera uye kuita sarudzo zvinoenderana.
