Nzira yekusarudza kambani yeinishuwarenzi yemotokari

Kuwana auto inishuwarenzi haisi imwe yezvinhu zvinonakidza zvekuva nemota, asi chimwe chezvakakosha. Auto inishuwarenzi yakakosha zvakanyanya sezvo inogona kukuchengetedza mazakwatira emari uye kudzivirira nyaya dzemutemo kana pakaitika tsaona kana chimwe chinhu chisingatarisirwi chikaitika kumota yako.

Pamusoro pekubatsira zvakanyanya, inishuwarenzi yemotokari inodiwa nemutemo mumatunhu mazhinji. Kazhinji, kana motokari yako yakanyoreswa, inofanirawo kuva neinishuwarenzi. Uye kana mota yako isina kunyoreswa uye inshuwarisi, haugone kuityaira zviri pamutemo.

Sezvakakosha seinishuwarenzi yemotokari, kusarudza kambani yeinishuwarenzi kunogona kuita sekunetsa. Kune nhamba huru yemakambani einishuwarenzi aripo uye zvirongwa zvinogona kusiyana zvakanyanya mumutengo uye kuvharika.

Kusarudza kambani yeinishuwarenzi haifaniri kuva dambudziko guru kana iwe ukatevera matanho mashoma akareruka.

Chikamu 1 che3: Sarudza Yako Inishuwarenzi Yekutanga

Danho 1: Sarudza kuti ndeipi coverage yaunoda. Mitemo yeinishuwarenzi yakasiyana ine mazinga akasiyana ekuvhara, uye zvakakosha kuti usarudze rudzi rwekugovera rwaunoda kumotokari yako.

Kana uchigara muguta rakabatikana, tyaira mazuva ese, uye kupaka mumugwagwa wakazara vanhu, ungada yakazara inishuwarenzi pasuru. Kana iwe uchigara kumaruwa, paka mugaraji rako, uye uchingotyaira pakupera kwevhiki, mutemo wakakwana unogona kunge usina kukosha kwauri.

Mamwe makambani einishuwarenzi anopa ruregerero rwetsaona, zvinoreva kuti mitengo yako haikwire kana ukaita tsaona. Zvisinei, unogona kuwana chirongwa chakachipa zvishoma kana chisingasanganisire kuregererwa kwetsaona.

• MabasaA: Kunyange zvichigara zvichiyedza kusarudza mainishuwarenzi akachipa aripo, unofanira kugara uine chokwadi chekuvharwa kwauri kuwana usati watora mutemo.

Tora nguva yekutarisa kune ese akasiyana sarudzo uye uone kuti ndeipi yaungade.

Danho 2. Sarudza bhajeti rinobviswa. Sarudza kuti nderipi boka raungada kuti franchise yako ive mariri.

A deductible ndiyo mari yaunofanira kubhadhara kambani yeinishuwarenzi isati yatanga kuvhara mari yekukuvadza. Semuenzaniso, kana yako yakabviswa iri $500 uye iwe unofanirwa kutsiva yako yakatsemuka windshield ye $300, iwe uchafanirwa kubhadhara iyo yese. Kana ukaita tsaona inokonzeresa kukuvara kwe $1000 500, unotofanira kubhadhara $500 muhomwe uye kambani yako yeinishuwarenzi inofanira kubhadhara $XNUMX yasara.

Zvirongwa zveinishuwarenzi zvakasiyana zvinogona kunge zvine ma deductibles akasiyana. Kazhinji, kuderedzwa kwakaderera kunoreva mubhadharo wepamwedzi wepamusoro, uye kubviswa kwepamusoro kunoreva mubhadharo wakaderera.

Chimbofunga kuti imarii yawakachengeta uye kuti ungangoda kugadziriswa sei kumotokari yako, woona kana iwe uchida yakaderera, yepakati, kana yakakwirira deductible.

Danho rechitatu: Sarudza zvaunoda kubva kuISP. Sarudza izvo zvakakosha kwauri mukambani yeinishuwarenzi.

Pamusoro pemutengo uye kuvharwa, funga nezverudzi rwekambani yeinishuwarenzi yauri kufunga.

Kana iwe uchida kambani ine XNUMX/XNUMX sevhisi uye rutsigiro, tenga inishuwarenzi kubva kune hombe kambani kambani. Kana iwe uchida basa rakakura renharaunda uye kugona kusangana nemumiriri wako weinishuwarenzi kana uine chero mibvunzo, sangano reinishuwarenzi rakazvimiririra rinogona kunge rakakunakira pane zvaunoda.

Chikamu 2 che3: Ita tsvagiridzo yako

Mufananidzo: National Association of Insurance Commissioners

Danho 1: Tarisa zvichemo pamusoro pemakambani. Ongorora zvichemo zvakamhan'arwa nemakambani einishuwarenzi emotokari.

Shanyira webhusaiti yako yeDhipatimendi reInishuwarenzi uye tarisa chiyero chekudaidzira kumakambani einishuwarenzi akasiyana auri kufunga. Izvi zvinokuratidza kuti vangani vatengi vari kunyunyuta nezvevatengesi uye kuti vangani zvichemo zvinotenderwa.

• MabasaA: Unogona zvakare kushandisa iyi webhusaiti kuve nechokwadi chekuti kambani yese ine rezinesi rekutengesa auto inishuwarenzi mudunhu rako.

Danho rechipiri: Bvunza kumativi. Bvunza kutenderedza kuti uwane maonero pane akasiyana makambani einishuwarenzi emotokari.

Bvunza shamwari dzako nemhuri nezve auto inishuwarenzi yavo uye kuti vanofara sei nemitemo, mitengo, uye basa revatengi.

Edza kufonera mechanic yako yemunharaunda uye ona kana vaine chero zano pamakambani einishuwarenzi. Sezvo makanika achibata zvakananga nemakambani emotokari, ivo vanowanzove nekunzwisisa kwakanaka kwekuti makambani ane hushamwari nevatengi uye asiri iwo.

Ita nekukurumidza kutsvaga kweGoogle kuti uone izvo vamwe vanhu vari kutaura nezvemakambani einishuwarenzi auri kufunga.

Danho rechitatu: Tarisa mamiriro ako emari. Tarisa mamiriro emari emakambani einishuwarenzi akasiyana-siyana.

Zvakakosha kuti uwane kambani yeinishuwarenzi ine mari yakanaka, kana zvikasadaro havazokwanisi kukupa iyo yekuvhara yaunoda.

Shanyira JD Power kuti uone kuti makambani esarudzo yako ari kuita sei.

Chikamu 3 che3: Tora uye Enzanisa Auto Insurance Quotes

Danho 1: Tora makotesheni einishuwarenzi. Enda kumawebhusaiti emakambani makuru uye madiki einishuwarenzi. Shandisa iyo inishuwarenzi quotes chikamu chepeji yavo kukumbira quote yezvaunoda inishuwarenzi.

Mushure memazuva mashoma, iwe unofanirwa kugamuchira kupihwa netsamba kana email.

Kana uchida mhinduro inokurumidza kana kubvunza mibvunzo nezve inishuwarenzi, ndapota fonera kana shanyira mahofisi einishuwarenzi ekwako.

• MabasaA: Paunokumbira mari yeinishuwarenzi, iva neruzivo rwekutanga rwemotokari paruoko, pamwe nemazita nemazuva ekuzvarwa kwevatyairi chero vaungade kuita inishuwarenzi pamotokari.

Danho rechipiri: Kumbira kuderedzwa. Bvunza imwe neimwe kambani yeinishuwarenzi kana uchikodzera chero zvidzikiso.

Mazhinji makambani einishuwarenzi anopa zvikwereti zvakawanda. Unogona kuwana mutero wekuva nerekodhi yekutyaira yakakwana, yekuve nekuchengetedza maficha mumotokari yako, kana yeinishuwarenzi yepamba kana yehupenyu kubva kumupi mumwe chete.

Bvunza imwe neimwe kambani yeinishuwarenzi kana ine zvidzikiso zviripo kuti uone kana uchikodzera chero ipi zvayo.

Danho rechitatu: Tauriranai nemutengo wakanakisa. Paunenge uchinge uine akawanda inishuwarenzi inopa, tsvaga zvakanakisa sarudzo uye taurirana nezve mutengo wakanakisa.

• MabasaA: Shandisa makotesheni aunowana kubva kumakambani akasiyana kuyedza uye kuwana mutengo wakanakisa kubva kune anokwikwidza.

• MabasaA: Usatya kuudza mupi wako kuti haugone kufunga nezvekambani yavo yeinishuwarenzi kunze kwekunge vadzikisa mitengo yavo. Vanogona kuti kwete, muchiitiko icho iwe unogona kusarudza imwe yemhando dziri nani dzemitengo, asi ivo vanogona zvakare kudonhedza mitengo yavo zvakanyanya kuti vaedze kuwana bhizinesi rako.

Danho rechina: Sarudza chirongwa. Mushure mekugamuchira ese ekupedzisira makotesheni kubva kumakambani einishuwarenzi akasiyana-siyana, sarudza mutemo uye kambani inonyatsoenderana nezvido zvako, mota yako uye bhajeti yako.

Kusarudza kambani yeinishuwarenzi uye mutemo hazvifanirwe kuve zvakaoma. Tevedza aya matanho uye iwe unowana nyore nyore chirongwa uye mupi akakunakira iwe.