I-avareji yeendleko zeinshurensi yemoto kulutsha

Amagama Aphezulu Ebantwaneni

IiRhafu zeInshurensi yeMoto yaBafikisayo

I-inshurensi yemoto kulutsha inokuba yinto eyothusayo ngokudibanisa kuhlahlo-lwabiwo mali lwakho lwenyanga. Kubalulekile ukuba abazali baqonde izinto eziya ekubaleni iindleko zeinshurensi yemoto kulutsha ukunceda ukunciphisa iindleko ezongezwe ngesiquphe.





Ukulungiselela ukukhusela umqhubi wolutsha

Ulutsha luthathwa njengomngcipheko omkhulu kubabhalisi beinshurensi kuba besanda kunikwa iphepha-mvume, ngokufuthi kunokwenzeka ukuba bangene engozini, kwaye benze imikhwa yokuqhuba engakhuselekanga. Eyona nto ibalulekileyo ifika xa umntu ofikisayo efakwa okokuqala kumgaqo-nkqubo, kwaye inokuhla kancinci ngonyaka, ukuba umqhubi omncinci akanalo itikiti okanye uneengozi.

Amanqaku afanelekileyo
  • Iingcebiso zokufumana i-Inshurensi yeMoto yaBafikisayo
  • Uyigcina kanjani iMoto njengoLutsha
  • Ixabiso eliphakathi leTikiti elikhawulezayo

Ukuba unako, kubalulekile ukulungiselela uhlahlo-lwabiwo mali ngaphambi kwexesha lokongeza umqhubi okwishumi elivisayo kwimigaqo-nkqubo yeinshurensi yemoto. A Ukwanda komgaqo-nkqubo wosapho ngama-44% ngokongeza ulutsha kwinqanaba-moto yomgaqo-nkqubo, ngelixa usapho oluneemoto ezimbini luya kubona ukunyuka kwexabiso eliphakathi kwe-58% kwaye iintsapho ezineemoto ezintathu kufuneka zenze uhlahlo-lwabiwo mali lokunyuka nge-62% ubuncinci. Nangona kunjalo, kwezinye iimeko, unokufuna ukulungela ngaphezulu kwe-100% yokunyuka komgaqo-nkqubo.





Enye into ekufuneka uyiqwalasele kukuba ngaba ungamfumana umntwana wakho okwishumi elivisayo umgaqo-nkqubo wabo weinshurensi okanye ubongeze kumgaqo-nkqubo wakho okhoyo. Nazi okuhle nokubi ukucingela. Ukufumana okwishumi elivisayo umgaqo-nkqubo wabo ingabiza imali eninzi kakhulu kunokongeza kumgaqo-nkqubo wakho, ngenxa yezaphulelo kwizambuku ezininzi kunye nenyaniso yokuba ulutsha ludweliswe njengomqhubi wesibini kwimigaqo yabazali ngokuchasene nokuba ngumqhubi ophambili kumgaqo-nkqubo wabo. Nangona kunjalo, izibonelelo ezinje ngokwakha ikhredithi kunye nokubanceda ukuba banciphise iindleko zabo ze-inshurensi ezantsi emgceni kunokuba kufanelekile.

Ukutshintshwa kwamaxabiso oVavanyo loLutsha loMqhubi

Ngelishwa, amaxabiso kunye nemizekelo zinokwahluka kakhulu ke ngoko kubaluleke kakhulu ukuba unxibelelane nenkampani yeinshurensi yakho nje ukuba umntwana wakho afumane imvume yomfundi. CarInsuranceCompanies.com ibonisa ukuba umndilili weendleko zikazwelonke zokuqinisekisa ukuba umntu ofikisayo ujikeleze i- $ 2,150 ngonyaka, ngokubanzi ngokubanzi ukusuka kwi-1,200 ukuya kwi-4,850 yeedola kumgaqo-nkqubo wonyaka. Umndilili wesizwe uyi-1,700 yeedola kubo bonke abaqhubi, nokuba badala kangakanani. Ngokucacileyo, ukongeza umqhubi omncinci unokukwazi ukunyusa umgaqo-nkqubo wakho kakhulu.



Ababoneleli abaphantsi kakhulu

Inkwenkwe efikisayo iqhuba imoto yayo yokuqala

Ixabiso Penguin ijonge ngaphezulu kweedolophu ezingama-200 kunye neenkampani ezili-103 ukuchonga iipremiyamu ezingabizi kakhulu kumqhubi wamadoda oneminyaka eli-17 ubudala. Banikezela ngolwahlulo olukhulu lwelizwe ngalinye kwaye yeyiphi into ephetheyo yeyona ifikelelekayo kwindawo nganye. Ezinye iikhrayitheriya zabo bebeqhuba iToyota Camry ka-2011, bengenayo i-inshurensi yangaphambi koko, behlawulwa ngokupheleleyo ngo-50/100/50 umda woxanduva kunye ne- $ 500 etsalwayo, kwaye umqhubi ophambili engumzali otshatileyo oneminyaka engama-45 engenazo iingozi zangaphambili okanye izehlo kwirekhodi yabo. .

Olona khetho lubiza kancinci kule meko alunyanzelekanga ukuba luphathe ilizwe lonke.

Olu phononongo luveze malunga ne- $ 2,600 ngonyaka yokunyuka komndilili ukongeza inkwenkwana eneminyaka eli-17 ubudala kumgaqo-nkqubo wabazali bayo, kuthelekiswa ngaphezulu kwe- $ 5,000 ngaphezulu ngonyaka ukuba umntwana afumane eyakhe ipolisi.



ukuncokola ukuba ube nesoka lakho

Umahluko wendawo

Njengoko Iinshurensi.com ithi, iindleko zokugubungela umqhubi wolutsha zichaphazeleka kakhulu yindawo, kunye nezinye izinto. Xa kuthelekiswa amaxabiso kwiikhowudi ze-zip ezilishumi kwiindawo ezininzi, bafumanisa:

  • Ngokomndilili, umrhumo we-inshurensi yemoto yasekhaya inyuke nge-152% xa usongeza umqhubi wolutsha
  • Ukongeza inkwenkwe ekwishumi elivisayo kwakubiza kakhulu, ngereyithi yokunyuka kwe-176% xa kuthelekiswa ne-129% yamantombazana akwishumi elivisayo
  • ICalifornia ibinezona zinga liphezulu lenyukayo ngaphezulu kwama-200%

I-inshurensi.com inikezela ngokuthelekiswa kwetshathi kweenkampani ezintandathu ezahlukeneyo (i-GEICO, iiFama, iFama kaRhulumente, iNkqubela phambili, iMercury, kunye neAAA), inezinga le-inshurensi nganye yaseCalifornia. Ezinye iinkampani zazinokuphambuka okuncinci, ngelixa ezinye zinomahluko weedola ezili-1 ngonyaka okanye nangaphezulu. Ngokomndilili, umntu obhinqileyo uya kubhatala i-3,030 yeedola ngonyaka ngelixa indoda iya kuhlawula nje ngaphantsi kwe- $ 4,000.

Uhlobo lokwahluka kwezithuthi

Nerd Isipaji amaxabiso ahlanganisiweyo kumazwe asibhozo anabantu abaninzi kusapho olungenalo nolutsha olukwinqanaba lezithuthi ezimbini ezithandwayo, iToyota Camry ka-2015 kunye neFord Escape ka-2015. Ngokusekwe kuphando lwabo, la mazwe ayeneqondo eliphantsi nelona liphezulu lomgaqo-nkqubo wokunyuka xa kusongezwa umqhubi wolutsha zezi:

I-Toyota Camry ka-2015

  • Eyona nto ibiza kakhulu: IFlorida ($ 1,859) kunye neNew York ($ 1,839)
  • Ixabiso eliphantsi: ICarlifonia ($ 1,208) kunye neIllinois ($ 1,375)

Ubaleke uFord ka-2015

  • Eyona nto ibiza kakhulu: IFlorida ($ 2,267) kunye neNew York ($ 2,038)
  • Ixabiso eliphantsi: California ($ 1,328) kunye neIllinois ($ 1,665)

Amanqaku abo ophando akubizi kakhulu ukongeza ulutsha kwinqanaba lakho lomgaqo-nkqubo ngokuchasene nokuzifumanela owabo umgaqo-nkqubo.

Izinto ezichaphazela amaxabiso einshurensi yololongo

intombazana ekwishumi elivisayo eqhuba imoto

Ukuba uyaziqonda ezinye zezinto ezingena ekuqinisekiseni ulutsha kwaye ucwangcise ngokufanelekileyo, unokukwazi ukuzisindisa iidola ezimbalwa ngexesha ngalinye lomgaqo-nkqubo. Unokwenza oku ngokukhetha isithuthi esahlukileyo, inkampani eyahlukileyo, okanye uthathe isigqibo sokuba ngaba umgaqo-nkqubo owahlukileyo lolona khetho lubhetele. Zininzi izinto ezichaphazela iindleko zokongeza ulutsha kwinqanaba lakho lomgaqo-nkqubo. Imizekelo ibandakanya:

  • Isini : Kubhalwe kakuhle ukuba iindleko ezingaphezulu ukukhusela amakhwenkwe ngaphezu kwamantombazana, ke ukuba unonyana, lungiselela ukubakho kokunyuka kweinshurensi yemoto.
  • Uhlobo lwesithuthi : Ukuqinisekisa ukufikisa kulutsha kwimoto yezemidlalo kuya kuba phezulu kakhulu kunemoto ekumngcipheko ophantsi. Jonga Insure.com ukufumana uluhlu lwamva nje lwe Ezona zixabiso zibiza kakhulu kwaye zibiza kakhulu ukukhusela i-2017 . Inkqubo ye- I-inshurensi yeZiko le-Inshurensi yoKhuseleko kuHola weNdlela iZiko leDatha igcina ubalo kwilahleko yeinshurensi ngokwenza kunye nemodeli yezithuthi ngokunjalo, ezinokuba sisixhobo esihle sokubona ukuba amaxabiso ezithuthi.
  • Ikhowudi yeziphu Ngaphandle kokuba ulungele ukuhamba, le nto ayikho kulawulo lwakho ukuba uhlala kwikhowudi ye-zip ethathwa njengomngcipheko ophezulu kwi-inshurensi.
    • Ngoku ka Bankrate.com , IArkansas lelona lizwe libiza kakhulu ukuqinisekisa umqhubi wolutsha, ngokunyuka okuphakathi kwe-116.34%.
    • Ukuba unethamsanqa lokuhlala eHawaii, uza kubona ukunyuka okuphantsi njengezinto ezinje ngeminyaka yobudala okanye amava okuqhuba awunakufakwa kwiipremiyamu ze-inshurensi apho ngenxa yelizwe umthetho olwa ucalucalulo .
  • Ukufikelela kwisithuthi : Ingaba unayo imoto inokwabelana nosapho, okanye umntu ngamnye angaqhuba eyakhe imoto nangaliphi na ixesha? Oko kunokuba nefuthe kumaxabiso okongeza ulutsha.
  • Ingxelo yokuqhuba : Ukuqinisekisa ukhuseleko kumqhubi ofikisayo kunye namatikiti okanye ingozi yangaphambili kunokubangela ukuba amaxabiso atsibe, ngamanye amaxesha ngokubonakalayo.

Indlela yokufumana izaphulelo ezinokubakho

Kukho iindlela ezinokubakho zokufumana isaphulelo kwaye unethemba lokuhlawula iindleko ezinkulu. Oku kubandakanya:

  • Buza ukuba ngaba inkampani yakho inikezela ngesaphulelo esihle somfundi kwaye zithini iiparameter zeGPA. IGEICO amanqaku abafundi abasisigxina abanomndilili we-B okanye uluhlu lweedan okanye iimbeko ezifanayo banokufumana isaphulelo se-15%, kuxhomekeke kurhulumente. Nangona kunjalo, iziphoso zendlela ziya kusiphelisa isaphulelo somfundi.
  • Ukuba umntwana wakho uya kuba engasayiyo nayiphi na indawo yesikolo esiphakamileyo okanye uya kuba ekholejini, buza malunga nezaphulelo ezinokubakho.
  • Cinga ngokuba nomntwana wakho ofikisayo athathe ikhondo lokuzikhusela xa umntu wakho ekubonelela ngesaphulelo sokwenza njalo. Omnye umzekelo nguRhulumente weFama Inkqubo ye-Steer Clear Safe Safe Discount .
  • Dlala ujikeleze ngeeparameter zomgaqo-nkqubo njengokuphakamisa i-deductible yakho kunye / okanye ubuze malunga nemigaqo-nkqubo ye-mileage esezantsi kwabo bangaqhubi kude yonke imihla.
  • Cinga ukunciphisa okanye ukulahla iindlela zokugubungela ezibiza kakhulu njengokubanzi kunye nokudibana ukuba umntwana wakho uqhuba isithuthi esidala esingafumani mali.
  • Uqhawule umtshato kwaye umntwana wakho akahlali nawe ngokusisigxina? Leyo yimeko ekhethekileyo oya kuyidinga ukujongana nabathwali babazali nganye ukubona ukuba iyavakala na into yokufikisa kwimigaqo-nkqubo, okanye enye, nokuba kukho isaphulelo kulondolozo ekwabelwana ngalo.
  • Ezinye iinkampani zibonelela ngeenkqubo zokhuseleko ezisekwe kwi-GPS ezinokubonelela ngesaphulelo. ISafeco inikezela ngesaphulelo se-15% ukuba I-Beacon yoKhuseleko kwi-Teen iyasetyenziswa.
  • Ngaba unemoto ebiza kakhulu? Ukuba umqhubi wakho okwishumi elivisayo akazukufikelela kuyo, buza malunga nesaphulelo esinokubakho sokukhutshelwa ngaphandle kweso sithuthi.

Ukulungele Ukuqinisekisa?

Kubaluleke kakhulu ukuthetha nomphathi wakho kwangaphambili, kunye nokuthatha amanyathelo asebenzayo ukugcina amaxabiso asezantsi kangangoko. Ukuqinisekisa ukuba ulutsha luyabiza ngokungathandabuzekiyo, kodwa akufuneki ukuba luphule ibhanki xa usenza uphando lwakho kwaye bayayidlala indima yabo ekuncedeni ukugcina amaqondo kwinqanaba elilawulekayo kwiminyaka embalwa yokuqala xa amaxabiso ephezulu.

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