Kodi inshuwaransi yanga idzakwera bwanji nditatha tikiti yothamanga?

Cholinga chathu pano ku Credible Operations, Inc. , Nambala ya NMLS 1681276, yomwe imatchedwa “Credibility” pansipa, ndikukupatsani zida ndi chidaliro chomwe mukufunikira kuti muwongolere chuma chanu. Ngakhale timatsatsa malonda kuchokera kwa omwe timabwereketsa omwe amatilipira pa ntchito zathu, malingaliro onse ndi athu.

Dziwani kuchuluka kwa inshuwaransi yanu ikakwera mutalandira tikiti yothamanga, ndi zina zomwe mungachite kuti muchepetse mtengo wa inshuwaransi yagalimoto yanu. (kulimbana ndi katundu)

Kupeza tikiti yothamanga kumatha kukhudza mtengo wa inshuwaransi yagalimoto yanu, koma kuchuluka kwake kumadalira zinthu zingapo. Mwachitsanzo, ngati ndi nthawi yanu yoyamba kupeza imodzi, simungaone kuwonjezeka. Koma ngati muli ndi kuphwanya liwiro kangapo, mutha kukhala ndi chiwongola dzanja chokwera mukakonzanso ndondomeko yanu yomwe ilipo kapena kugula ina.

Nawa kuchuluka kwa inshuwaransi yanu ikatha tikiti yothamanga, ndi malangizo ena amomwe mungachepetsere inshuwaransi yanu.

Pitani ku Credibility kwa Phunzirani za inshuwaransi yamagalimoto Ndipo pezani zolemba kuchokera kwa onyamula zabwino kwambiri.

Zomwe Zimakhudza Mitengo ya Inshuwaransi Pambuyo Popeza Kuphwanya Mwachangu

Kaya inshuwaransi yanu yagalimoto idzakwera mukalandira tikiti yothamanga zimatengera zinthu zambiri, kuphatikiza:

  • Kampani yanu ya inshuwaransi Chifukwa makampani osiyanasiyana a inshuwaransi ali ndi malamulo osiyanasiyana owerengera ndalama zomwe mumalipira, kuchuluka kwa inshuwaransi yanu kuwonjezereka pambuyo pophwanya liwiro kumasiyanasiyana malinga ndi omwe akukupatsani inshuwaransi.
  • Kodi mukukhala m’dziko lanji? pafupifupi kuwonjezeka kwa mtengo Tikiti yothamanga ikaperekedwa, nthawi yomwe imakhala pa mbiri yanu yoyendetsa imasiyana malinga ndi boma. Matikiti a Express omwe alandilidwa kudera lina nthawi zambiri amawonedwa ngati achitika m’dziko lanu.
  • Mbiri yanu yoyendetsa – Ngati iyi ndi tikiti yanu yoyamba yothamanga, kampani yanu ya inshuwaransi sikungakulitse mtengo wanu. Koma mutha kuwona kukwera kwamitengo ngati muli ndi liwiro lambiri komanso zophwanya zina zamagalimoto pa mbiri yanu.
  • Kodi mungadutse bwanji mzerewu? Kutengera ndi malamulo a inshuwaransi ya galimoto yanu ndi kampani yanu ya inshuwaransi, mutha kukwezedwa kwambiri pakuyendetsa mtunda wamakilomita 20 kupitilira malire ndikuyendetsa mailosi asanu pamwamba pa liwiro.

Kodi muyenera kuchita chiyani munthu akagunda galimoto yanu?

Kodi tikiti yothamanga ingakweze bwanji mtengo wa inshuwaransi yanu?

Ngakhale zotsatira za tikiti yothamanga pa inshuwaransi yanu zimatengera zinthu zambiri, makampani ena a inshuwaransi amatha kukulitsa chiwongola dzanja chanu mpaka 15% pamitengo ya miyezi isanu ndi umodzi.

Mwachitsanzo, ngati ndondomeko yanu ya miyezi isanu ndi umodzi yapitayo inali $1,000, ndondomeko yanu yatsopano ikhoza kukhala $1,150-zomwe zikutanthauza kuwonjezeka kwa $25 pamwezi, kapena $300 pachaka.

Kudalirika kumapangitsa kukhala kosavuta Yerekezerani mitengo ya inshuwaransi yagalimoto Kuchokera kwa onyamula angapo, onse pamalo amodzi.

Kodi tikiti yothamanga imakhudza bwanji inshuwaransi yanu?

Kutengera komwe mukukhala, tikiti yothamanga imatha kukhudza inshuwaransi yanu kwa zaka zitatu kapena kupitilira apo. Mwachitsanzo, ngati mukukhala ku Louisiana, tikiti yothamanga ikhalabe pa mbiri yanu kwa zaka zitatu. Poyerekeza, ngati ndinu wokhala ku Florida, tikiti yothamanga imatha kukhala pa mbiri yanu mpaka zaka zisanu.

Kutalika kwa nthawi yomwe tikiti yothamanga imakhudzanso kuchuluka kwanu kumadaliranso kampani yanu ya inshuwaransi – makampani ena amangokulangani tikiti yothamanga yazaka zitatu.

Malingana ngati musunga mbiri yabwino yoyendetsa galimoto, zotsatira za tikiti yothamanga ziyenera kuchepa pakapita nthawi.

Kuyerekeza mawu a inshuwaransi yagalimoto kumatha kukupulumutsirani mazana a madola pachaka – ichi ndichifukwa chake

Momwe mungachepetse mtengo wa inshuwaransi yagalimoto yanu

Ngati kupeza tikiti yothamanga kumakweza mtengo wa inshuwaransi, lingalirani kuchita izi Sungani ndalama pa inshuwalansi ya galimoto:

  1. Gulani mozungulira. Mitengo imasiyana malinga ndi kampani ya inshuwaransi. Ngati mtengo womwe mumalipira inshuwalansi ukukwera chifukwa cha kuphwanya mofulumira, ganizirani kuyerekeza mitengo ndi ndondomeko za makampani atatu kapena kuposerapo. Mungathe ku Pezani ndalama za inshuwaransi yamagalimoto aulere pa intaneti Kapena polumikizana ndi wothandizira inshuwalansi. Mukamagula, onetsetsani Fananizani mawu olembedwa kwa nkhani zofananira.
  2. Tengani maphunziro oyendetsa galimoto odzitchinjiriza. Mukamaliza maphunziro ovomerezeka ndi boma oyendetsa galimoto, makampani ena a inshuwaransi adzakuchotserani ndondomeko yanu. Nthawi zina, mutha kuchotsa tikiti yothamanga pambiri yanu yoyendetsa mukamaliza maphunzirowo.
  3. Sonkhanitsani galimoto yanu ndikuteteza nyumba yanu. Ngati muli ndi inshuwaransi yapanyumba, ganizirani kugula inshuwaransi yagalimoto ku kampani ya inshuwaransi yomweyi. Othandizira ena amakupatsani kuchotsera powagulira limodzi.
  4. Wonjezerani ndalama zanu zochotsera. Deductible yanu ndi ndalama zomwe mumalipira kampani ya inshuwaransi isanakulipireni zomwe mukufuna. Mutha kuchepetsa mtengo wanu powonjezera deductible yanu. Koma choyipa ndichakuti mudzalipira zambiri m’thumba ngati mukuyenera kupereka chiwongolero.
  5. Khalani osamala. Mayiko ambiri amalola makampani a inshuwaransi yamagalimoto kuti awonenso ngongole yanu kuti awone momwe inshuwaransi yanu ili yowopsa. The Chepetsani ngongole zanuM’pofunika kwambiri kuti mulipire mtengo wapamwamba wa inshuwalansi ya galimoto. Kuti musunge kapena kupanga ngongole yabwino, lipirani ngongole zilizonse zomwe muli nazo, lipirani ngongole zanu zonse panthawi yake, ndikuyang’ana malipoti anu angongole osalondola kamodzi pachaka poyendera AnnualCreditReport.com.

Ngati mwakonzeka kupeza mitengo ya inshuwaransi yamagalimoto, Credible imakulolani mwachangu komanso mosavuta Yerekezerani mitengo ya inshuwaransi Imodzi mwamakampani abwino kwambiri oyendetsa magalimoto.

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