Jacqueline de Marco

Kodi inshuwaransi yagalimoto imawononga ndalama zingati?

Cholinga chathu ndikukupatsani zida ndi chidaliro chomwe mukufunikira kuti muwongolere chuma chanu. Ngakhale timalandira chipukuta misozi kuchokera kwa obwereketsa anzathu, omwe timawafotokozera nthawi zonse, malingaliro onse ndi athu. Powonjezeranso ngongole yanu yanyumba, chiwongola dzanja chonse chikhoza kukhala chokwera pa moyo wangongole.
Malingaliro a kampani Credible Operations, Inc. NMLS #1681276, pambuyo pake imatchedwa “odalirika.”

Ndalama zomwe mudzalipire inshuwalansi ya galimoto zimatengera mbiri yanu yoyendetsa galimoto, mtundu wa galimoto, ndi malo, pakati pa zina. Mu 2019, ndalama zolipirira inshuwaransi zamagalimoto mdziko muno zidakwana $1,070 pachaka, malinga ndi National Association of Insurance Commissioners.

Tiyeni tifufuze mozama pamitengo ya inshuwaransi yamagalimoto ndi boma, komanso zinthu zomwe zimakhudza momwe mumalipira.

Izi ndi zomwe muyenera kudziwa za mtengo wa inshuwaransi yamagalimoto:

Kodi inshuwalansi ya galimoto ndi ndalama zingati?

Ndalama zomwe mudzalipire pagalimoto yanu ya inshuwaransi zimasiyana malinga ndi zinthu zambiri. Mutha kulipira zochulukirapo kapena zochepa kuposa pafupifupi $ 1,070 yapadziko lonse lapansi. Othandizira inshuwaransi yamagalimoto amayika mtengo wanu potengera momwe angalipire zomwe akufuna, komanso zinthu monga zaka, jenda, komanso mbiri yoyendetsa.

Fananizani inshuwaransi yamagalimoto kuchokera kumakampani oyendetsa bwino kwambiri

  • ZONSE PA INTANETI: Gulani inshuwaransi yagalimoto nthawi yomweyo
  • Fananizani mawu ochokera kumakampani a inshuwaransi yamagalimoto omwe ali ovotera kwambiri m’dera lanu
  • Palibe spam, kuyimba foni, zabodza kapena zabodza

Pezani Malipiro a Inshuwaransi Tsopano

Zomwe Zimakhudza Mtengo wa Inshuwaransi ya Magalimoto

Makampani onse a inshuwaransi yamagalimoto ali ndi njira yawoyawo yokhazikitsira mitengo. Komabe, zina mwazinthu zomwe makampani a inshuwaransi amagwiritsa ntchito popanga inshuwaransi yagalimoto yanu ndi izi:

  • Tsamba: Nyengo, kuchuluka kwa magalimoto pamsewu, komanso kuchuluka kwa umbanda komwe mukukhala zingakhudze kuchuluka kwa momwe mungakhalire odandaula.
  • Mtundu ndi kuchuluka kwa kufalikira: Mukafuna chithandizo chochulukirapo, mudzalipira zambiri.
  • Mbiri yoyendetsa: Ngati muli ndi mbiri yabwino yoyendetsa galimoto, mumalipira ndalama zochepa kusiyana ndi munthu amene adakwerapo zolakwika zambiri.
  • Zaka zanu: Madalaivala ang’onoang’ono amakonda kulandira malipiro apamwamba, chifukwa alibe chidziwitso.
  • Mtundu Wagalimoto: Mtengo wagalimoto yanu umakhudza inshuwaransi yanu. Galimoto yatsopano yapamwamba ndiyokwera mtengo kwambiri kukonza ndi inshuwaransi kuposa sedan yakale.
  • Mumayendetsa bwanji: Mukamayendetsa galimoto kwambiri, mudzafunikanso kulipira inshuwalansi ya galimoto, m’pamenenso mungakhale ndi ngozi.

kulipira: Kodi mungapeze inshuwaransi yagalimoto ndi chilolezo cha ophunzira?

Avereji yamitengo ya inshuwaransi yamagalimoto ndi boma

Ndalama za inshuwaransi yagalimoto zimatha kusiyana kwambiri kumayiko ena. Kukuthandizani kuti mukhale ndi lingaliro labwino la mitundu yosiyanasiyana ya inshuwaransi yamagalimoto yomwe ingawononge m’boma lanu, tebulo ili m’munsili likuwonetsa ndalama zolipirira zonse (zovuta, kugundana ndi kuphimba kwathunthu) komanso kubweza ngongole zonse 50. mayiko, kuyambira 2019.

Malipiro apachaka amatengera zomwe zachitika posachedwa kuchokera ku National Association of Insurance Commissioners. Tawonanso kuchuluka komwe kukufunika kuperekedwa ndi boma kuti mudziwe kuchuluka kwa zomwe muyenera kupeza. Miyezo yocheperako yoperekedwa ndi boma imatengera zomwe zachokera ku Insurance Information Institute and Progressive.

Momwe mungasungire pa inshuwaransi yagalimoto

Inshuwaransi yamagalimoto ndizovuta kwambiri kwa madalaivala. Nazi zina zomwe mungachite kuti musunge ndalama pa ndondomeko yanu:

  • Lipirani zonse. Ngati mumalipira malipiro kwa chaka chonse kutsogolo, mukhoza kulandira kuchotsera.
  • Yendetsani bwinobwino. Othandizira ambiri a inshuwaransi yamagalimoto amapereka kuchotsera pakukhala kwakanthawi popanda kuchita ngozi. Mutha kuyeneretsedwanso kuchotsera ngati mutenga maphunziro achitetezo oyendetsa galimoto kuti mukweze luso lanu loyendetsa.
  • Pezani ndondomeko yogwiritsira ntchito. Ngati simuyendetsa galimoto nthawi zambiri, mungapeze kuti kulipira ndondomeko yogwiritsira ntchito kumakuthandizani. Ndondomekozi zimakulolani kulipira malinga ndi kuchuluka kwa mailosi omwe mumayendetsa.
  • kuyerekeza kwa shopu. Gulani ndi ma inshuwaransi angapo osiyanasiyana kuti muwone yemwe angakupatseni chithandizo chambiri pamtengo wotsika kwambiri. Onetsetsani kuti mwapeza ma quotes amtundu womwewo wa Kuphunzira ndi deductible kumakampani onse a inshuwaransi kuti mufananize kwenikweni apulo ndi apulo.

Pamene mwakonzeka kufananiza mitengo ya inshuwaransi yamagalimoto, titha kuthandiza. Kudalirika kumapangitsa kukhala kosavuta kupeza makoti kuchokera kumakampani ambiri a inshuwaransi.

Fananizani inshuwaransi yamagalimoto kuchokera kwa othandizira akuluakulu

  • Zochitika zonse za digito – Lembani mafomu anu onse a inshuwaransi pa intaneti, osafunikira kuyimbira foni!
  • Top Oveteredwa Onyamula Sankhani kuchokera mgulu lamakampani odziwika bwino a inshuwaransi yamagalimoto adziko lonse ndi zigawo.
  • chinsinsi cha data – Sitigulitsa zidziwitso zanu kwa anthu ena, ndipo simudzalandira mafoni osafunika kuchokera kwa ife.

Pezani Malipiro a Inshuwaransi Tsopano

Momwe mungagulire inshuwaransi yagalimoto

Kudziwa za mtengo wapakati wa inshuwaransi yamagalimoto ndi gawo loyamba lopeza mfundo zoyenera pazosowa zanu. Mukakhala okonzeka kugula inshuwaransi yamagalimoto, nthawi zambiri mumatsatira izi:

  1. Sankhani mtundu wanu wa kufalitsa. Dziko lanu lidzafuna kuti mukhale ndi mitundu ina ya inshuwalansi ya galimoto, koma mukhoza kusankha kuti mukufuna zambiri kuposa zomwe mukufunikira. Kuti muteteze maziko anu, lingalirani zowonjeza ngongole, kugundana, chilengedwe chonse, osatetezedwa, oyendetsa galimoto opanda inshuwaransi, ndi kulipiritsa ndalama zachipatala kapena chitetezo chamunthu kuvulala.
  2. Tsimikizirani ndalama zomwe mumalipira. Apanso, dziko lanu nthawi zambiri limafuna ndalama zambiri, koma mutha kusankha kugula zambiri kuti muwonjezere chitetezo chazachuma komanso mtendere wamumtima. Mukafuna kufalitsa zambiri, m’pamenenso ndalama zanu zimakwera mtengo.
  3. Yerekezerani mitengo ya inshuwaransi. Pezani zolemba zaulere kuchokera kumakampani atatu a inshuwaransi kuti muwone kuti ndi iti yomwe imapereka ndalama zabwino kwambiri zomwe mungafune.
  4. Lemberani chithandizo ndikulipira ndalama zoyambira. Mukasankha kampani ya inshuwalansi, lembani ndondomeko, sankhani tsiku lothandizira (pamene chithandizo chanu chidzayamba), ndipo perekani malipiro anu oyambirira.

Chodzikanira: Ntchito zonse zokhudzana ndi inshuwaransi zimaperekedwa ndi Young Alfred.

Za wolemba

Jacqueline de Marco

Jacqueline DeMarco wakhala akulemba zandalama kwazaka zopitilira zisanu ndi ziwiri komanso wothandizira wodalirika. Waperekapo zomwe zili m’magulu azachuma opitilira khumi ndi awiri, kuphatikiza LendingTree, Credit Karma, Funda, Chime, MagnifyMoney, Ngwazi ya Ngongole ya Ophunzira, ValuePenguin, SoFi, ndi Northwestern Mutual.

Werengani zambiri

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