mkazi amasaina mapepala agalimoto

Malipiro apagalimoto akadali pamlingo wambiri. Nazi zomwe mungachite nazo

Gwero la zithunzi: Getty Images

Pali njira zogulira galimoto yatsopano popanda kuswa banki.


mfundo zazikulu

  • Malipiro apakati pagalimoto adakwera kwambiri mu Julayi $733, pomwe mtengo wapakati wagalimoto yatsopano unali woposa $48,000.
  • Mtengo wogula komanso kukweza ngongole zanu zitha kuchepetsa mtengo wobwereka.
  • Chepetsani ndalama zomwe mumabwereka posankha magalimoto otsika mtengo komanso kulipira zambiri kutsogolo.

Mtengo wogula galimoto ukupitirirabe. Malipiro a mwezi uliwonse a galimoto amafika pa $ 733 mu July, pamene ogula magalimoto amavutika osati ndi kukwera kwa mitengo, komanso ndi ndalama zobwereka. Kuperewera kwa ma Microchip, nkhani zogulitsira komanso kutsekedwa kwafakitale kwakweza mitengo yamagalimoto. Malinga ndi Cox Automotive/Moody’s Analytics Index of Vehicle Affordability yaposachedwa, mtengo wapakati wagalimoto yatsopano unali $48,182—komanso mbiri yokwera kwambiri.

Ngati mukufunafuna galimoto yatsopano, zimapweteka kwambiri kuona mitengo ikukwera, makamaka pamene mukulimbana ndi kukwera mtengo m’madera ena a moyo. Kuphatikiza apo, kutsika mtengo komanso kufunikira kwakukulu kumatanthauza kuti mukulipira zambiri pagalimoto yomwe siili yomwe mumayifuna.

Nazi njira zitatu zothanirana ndi mtengo wagalimoto wamba.

1. Dikirani pang’ono

Tsoka ilo, mitengo siyenera kutsika posachedwa. Komabe, ngati mungachedwetse kugula galimoto yanu, pangakhale zabwino zina. Poyambira, ngati ngongole yanu ndi yochepa kuposa yabwino, mutha kuchitapo kanthu kuti musinthe. Onetsetsani kuti mumalipira ngongole pa nthawi yake, ndipo muwone ngati mungachepetse ngongole yomwe mwanyamula. Mutha kuwonanso zolakwika zilizonse pa lipoti lanu la ngongole ngati mphambu yanu itsika. Ngongole yapamwamba imatha kukuthandizani kuti muyenerere mitengo yabwino, kuchepetsa ndalama zomwe mumalipira pamwezi komanso zobweza zonse.

Kuchedwetsa kugula kungakupatseninso mwayi wosunga ndalama zambiri pakubweza kwanu, kuti muchepetse ndalama zomwe munabwereka. M’dziko langwiro, simuyenera kubwereka chilichonse kuti mugule galimoto, koma si njira ya aliyense. Ngati nthawi ili kumbali yanu, mukhoza kuyesanso kupeza galimoto ya fakitale mwachindunji kuchokera kwa wopanga. Ngakhale sizikuchepetsa ndalama, zikutanthauza kuti mukupeza galimoto yomwe mukufuna.

2. Yerekezerani mitengo

Kugula ngongole yagalimoto kungapangitse kusiyana kwakukulu pamtengo wanu. Musaganize kuti mupeza ndalama zabwino kwambiri kuchokera kumalo ogulitsira magalimoto. M’malo mwake, yesetsani kuti muvomerezedwetu kuti mupeze mtengo wabwino kwambiri musanayambe kukambirana za mitengo. Mndandanda wathu wazongongole zabwino kwambiri zamagalimoto ndi malo abwino oyambira.

Ngati mukuda nkhawa kuti kugula ndi mtengo kungawononge ngongole yanu, musachite mantha. Obwereketsa kuchita Yang’anani cheke cholimba cha ngongole, zomwe zingakhudze zotsatira zanu. Koma malinga ngati macheke onse abwera mkati mwa nthawi yochepa (mwina milungu iwiri), mabungwe owerengera ngongole amawona ngati kufunsa kumodzi.

Ngati mumakonda kuchepetsa ndalama zanu pamwezi powonjezera nthawi yobwereketsa, simuli nokha. Anthu ayamba kulandira ngongole zagalimoto zopitilira 72 kapena miyezi 84. khalani otsimikiza. Kubwereketsa nthawi yayitali kumachepetsa ndalama zomwe mumalipira pamwezi, koma mumalipira chiwongola dzanja chonse. Ndizovutanso kuneneratu zomwe zingachitike m’zaka zikubwerazi, ndipo mwina simungafune kupirira tsogolo lanu ndi malipiro apamwezi. Potsirizira pake, mtengo wa magalimoto atsopano ukhoza kutsika mofulumira – mukhoza kupeza kuti muli ndi ngongole yoposa mtengo wa galimoto yanu.

3. Pezani njira zochepetsera ndalama

Ngati mukufuna kugwiritsa ntchito ndalama zoposa $40,000 pagalimoto yatsopano, zitha kuwoneka ngati zovutirapo kuti mugwirizane ndi kupanga ndi mtundu. Komabe, zitsanzo zina zotsika mtengo zimawononga ndalama zosakwana theka la mtengo wa galimoto. Izi zitha kuchepetsa kwambiri ndalama zomwe muyenera kubwereka, ndikuchepetsanso malipiro anu pamwezi.

Nkhani yabwino ndiyakuti mutha kupeza zambiri kuposa momwe mumayembekezera pogulitsa galimoto yanu yamakono. Chidwi chowonjezereka cha magalimoto ogwiritsidwa ntchito kumatanthauza kuti mungadabwe ndi kuchuluka komwe mungapeze. Pezani mawu angapo osiyanasiyana musanayese kukambirana ndi wogulitsa kuti mudziwe zomwe maziko anu ayenera kukhala.

Pomaliza, ganizirani kugula galimoto yakale. N’zomvetsa chisoni kuti mitengo yamagalimoto ogwiritsidwa ntchito yakweranso kwambiri m’zaka zaposachedwapa – kotero kuti, nthawi zina, zingakhale zotsika mtengo kugula zatsopano. Komabe, zambiri zaposachedwa kuchokera ku CoPilot zikuwonetsa kuti msika wamagalimoto ogwiritsidwa ntchito wafika pachimake, kotero pakhoza kukhala mpumulo womwe wasungidwa.

osachepera

Kuchokera pakufunidwa kwambiri mpaka kutsika mtengo komanso chiwongola dzanja chokwera, sitimayi imayikidwa motsutsana ndi ogula magalimoto. Ngati mukufuna kugula galimoto, gulani mitengo yabwino kwambiri komanso njira yotsika mtengo yagalimoto. Yesetsani kupewa kutenga ngongole ina kuposa momwe mungafunire, ndipo nthawi yobwereketsa ikhale yaifupi momwe mungathere. Pali kusatsimikizika kochuluka pakali pano, ndipo akatswiri azachuma ambiri akuchenjeza kuti kugwa kwachuma kungakhale m’njira. Mtengo wagalimoto ukhoza kukhala pamlingo wambiri, koma tsopano, kuposa kale, si nthawi yoti mutenge ngongole zowonjezera.

Makampani Abwino Kwambiri a Inshuwaransi Yamagalimoto a Ascent a 2022

Kodi mwakonzeka kugula inshuwaransi yamagalimoto? Kaya mumayang’ana kwambiri pamtengo, kasamalidwe kazinthu 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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