Mayi akumwetulira atakhala pampando woyendetsa galimoto.

Malangizo 3 a Dave Ramsey osintha inshuwaransi yamagalimoto m’njira yosavuta

Gwero la zithunzi: Getty Images

Osagula inshuwaransi yatsopano yamagalimoto popanda kuwunikiranso malangizo awa.


mfundo zazikulu

  • Kusintha inshuwalansi ya galimoto nthawi zina kumathandiza madalaivala kusunga ndalama.
  • Kusintha ku kampani ya inshuwaransi yosiyana kungakhale kovuta, koma Dave Ramsey ali ndi malangizo othandiza kuti ntchitoyi ikhale yosavuta.
  • Madalaivala akuyenera kuwunika momwe akufunira ndikuwonetsetsa kuti ndondomeko yatsopanoyi yakhazikitsidwa asanachotse ndondomeko yakale.

Kusintha inshuwalansi ya galimoto kungakhale kovuta, koma sikuyenera kukhala. Dave Ramsey ali ndi upangiri wamomwe mungasinthire mfundo mosavuta – zomwe zingapereke ndalama zambiri ngati kampani ina ya inshuwaransi ikupereka ndalama zotsika mtengo zomwezo kapena zabwinoko.

Madalaivala akuganiza zosintha ayenera kuyang’ana malangizo awa kuchokera kwa Ramsey, zomwe akunena kuti apange ndondomeko yatsopano “yosavuta monga kugwedeza wand wamatsenga.”

1. Dziwani kuti ndi mitundu yanji ya chithandizo chomwe mukufuna

Pali chifukwa chophweka chomwe Ramsey akufotokozera kuti kufufuza mitundu ya chithandizo chofunikira chiyenera kukhala sitepe yoyamba yomwe madalaivala amatenga ngati akufuna kuti zikhale zosavuta kuti asinthe makampani a inshuwalansi.

“Anthu ambiri sadziwa momwe angasinthire inshuwaransi yagalimoto chifukwa sadziwa kwenikweni zomwe akufunika kugula,” adatero. Kuti adziwe, iye ananena kuti madalaivala ayambe ayang’ana njira imene ali nayo panopa kenako n’kuyang’ana chitetezo chamtundu uliwonse kuti adziwe ngati n’koyenera.

Kwa anthu ambiri, Ramsay akuganiza kuti ndikofunikira kukhala ndi $ 500,000 pakubweza ngongole kuti alipire zowonongeka kwa ena. Amalimbikitsanso inshuwaransi ya kugundana kuti alipire kukonza kapena kusintha galimoto yachinsinsi ya dalaivala, komanso kubisalira kokwanira kuti alipire zovuta zilizonse zosagundana zomwe zimakhudza galimoto ya woyendetsa.

Ramsay akuwonetsanso kuyang’ana kukula kwa kuchotsedwa kwa inshuwaransi, zomwe ndizomwe mwiniwakeyo ayenera kulipira kuchokera m’thumba pamene kutayika kobisika kumachitika mwiniwake wa inshuwalansi asanayambe kutenga tabu.

“Kuchotsera kwapamwamba kumatanthauza kuti mumalipira zambiri patsogolo kuti mukonzere galimoto yanu ngati chinachake chachitika ku galimoto yanu, koma mumalipira ndalama zochepa pamwezi. Pokhapokha ngati mukuchita ngozi kwambiri, ndi bwino kuchotseratu ndalama zambiri kuti musunge ndalama pang’ono mwezi uliwonse. ,” adatero Ramsey.

2. Ganizirani kugwira ntchito ndi wothandizira inshuwalansi

Pambuyo posankha kuchuluka kwa ndalama zomwe mungagule, sitepe yotsatira yosinthira inshuwaransi ndikufanizira zoperekedwa ndi opereka ambiri osiyanasiyana. Ramsey amalimbikitsa kuyang’ana makampani a inshuwaransi asanu ndi limodzi kapena 10 kuti awone omwe amapereka ndalama zabwino kwambiri.

Ngakhale izi zitha kuchitika pa intaneti, Ramsay akukhulupirira kuti ndibwino kugwira ntchito ndi wothandizira inshuwalansi. Iye akuti iwo ndi “akatswiri a momwe angasinthire inshuwalansi ya galimoto” ndipo akhoza kuchita ndondomeko yofananitsa mtengo kwa ogula.

Kupeza wothandizira wodziyimira pawokha yemwe atha kutenga zolemba kuchokera kumakampani angapo a inshuwaransi si vuto – makamaka kwa anthu omwe ali otanganidwa kapena sakonda kugula. Zachidziwikire, izi sizofunikira kwenikweni, chifukwa ndizosavuta kupezanso mawu kuchokera kumakampani a inshuwaransi pa intaneti.

3. Yambitsani ndondomeko yatsopanoyo musanachotse ndondomeko yakale

Pomaliza, Ramsey ali ndi malangizo ena apamwamba kuti achepetse njira yosinthira inshuwaransi yamagalimoto. “Musanapitirize kuletsa inshuwaransi yanu yakale, onetsetsani kuti ndondomeko yanu yatsopano ikugwira ntchito,” akutero Ramsay. Imalimbikitsanso madalaivala kuti awonetsetse kuti “asindikiza makadi ozindikiritsa galimoto yanu yatsopano ndikuyika mu bokosi la glove ngati mungawafune!”

Izi zingathandize oyendetsa galimoto kupeŵa mavuto azamalamulo omwe angachitike ngati pali kusiyana pakati pa kuletsa ndondomeko yakale ndi kugula yatsopano.

Potsatira malangizowa, zimakhala zosavuta kusintha makampani a inshuwalansi – zomwe zimatsegula chitseko cha kusunga ndalama pamene kampani yatsopano ikupereka ndondomeko yotsika mtengo kusiyana ndi yomwe kampani ya inshuwalansi ikupereka.

Makampani Abwino Kwambiri a Inshuwaransi Yamagalimoto a Ascent a 2022

Kodi mwakonzeka kugula inshuwaransi yamagalimoto? Kaya mumayang’ana kwambiri pamtengo, kasamalidwe ka madandaulo, kapena ntchito zamakasitomala, tafufuza makampani a inshuwaransi m’dziko lonselo kuti akubweretsereni zosankha zathu zapamwamba kwambiri za inshuwaransi yamagalimoto. Werengani ndemanga yathu yaulere ya akatswiri lero kuti ndiyambe.

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