Fananizani makhadi a ngongole ndi kubwereketsa magalimoto

Ena mwa maulalo a patsambali ali ndi zotsatsa zochokera kwa anzathu.

Mukayandikira ofesi yamagalimoto yobwereketsa mutatha kumenyana kwanthawi yayitali kapena kuwonongeka, chinthu chomaliza chomwe mukufuna kudandaula nacho ndikugula inshuwaransi yowonjezera.

Mutha kulumpha – komanso chindapusa chatsiku ndi tsiku – ngati kirediti kadi yanu ikupereka kubwereketsa ngati imodzi mwazofunikira zake. Koma musanakanize chitetezo chowonjezerachi, fufuzani zomwe ndondomeko yanu ikuphatikiza. Kumvetsetsa inshuwaransi yobwereketsa galimoto ya kirediti kadi yanu komanso momwe izi zimagwirira ntchito kungakuthandizeni kupanga chisankho mwanzeru musanapite ku desiki yobwereketsa.

Kodi kubwereketsa magalimoto kumagwira ntchito bwanji?

Mukabwereka galimoto, kampani yobwereketsa idzakupatsani mwayi wogula inshuwaransi yamagalimoto. Chitetezo ichi, chomwe chimadziwika kuti chiwopsezo cha kugundana kapena kuchotsera kuwonongeka, chikhoza kuwononga ndalama zokwana $45 patsiku. Komabe, ngati muli ndi inshuwalansi ya galimoto yanu ndi khadi la ngongole lomwe limapereka chithandizo cha galimoto yobwereka, kulipira inshuwalansi ya galimoto nthawi zambiri kumakhala kosafunikira.

Kaya mwasankha kupezerapo mwayi pa kubwereketsa kwa kirediti kadi yanu zimadalira mtundu wa chithandizo ndi kuyenera kwake pa inshuwaransi yanu yamagalimoto. Nawa mawu ena omwe muyenera kumvetsetsa okhudza ubwino wobwereka galimoto pa kirediti kadi yanu.

  • Kufunika koyambira motsutsana ndi chachiwiri. Sikuti ndondomeko zonse zimapangidwa mofanana. Kubwereketsa magalimoto kumatanthawuza, nthawi zambiri, kuti mutha kudalira zonse za kirediti kadi yanu m’malo mopereka chigamulo ku kampani yanu ya inshuwaransi.

    Izi ndizabwino, chifukwa zimakupulumutsirani kuti mulipire deductible ndipo inshuwaransi yagalimoto yanu ikuyenera kukhala yapamwamba. Malinga ndi CarInsurance.com mtengo wamtengo, mitengo ya inshuwaransi yamagalimoto imakwera 31%, pafupifupi, pambuyo pa ngozi imodzi yokha yomwe idawononga ndalama zoposa $2,000. Izi zikufanana ndi pafupifupi $450 pachaka.

    Ndi njira yobwereketsa galimoto yachiwiri yomwe makhadi ambiri amapereka, simungathe kupeŵa kubwereketsa.

    “Mapindu a kirediti kadi ayamba mukangosiya kugwiritsa ntchito zomwe mwakhalapo kale kapena basi,” akufotokoza a Joe Stanish, woyambitsa nawo pulogalamu yazachuma ya Honeyfi, yomwe tsopano imadziwika kuti Firstly.

  • Kugundana motsutsana ndi chiwongolero. Ma kirediti kadi nthawi zambiri amangoteteza kugundana. “Izi zikutanthauza kuti ngati mutachita ngozi, kuwonongeka kwa galimoto yanu kumaphimbidwa,” akutero Stanish. Komabe, ngati wina wavulala, kapena ngati muwononga galimoto kapena katundu wina, mudzafunika inshuwaransi yamilandu kuti mutetezedwe mokwanira.

    Ngati muli ndi inshuwaransi yamagalimoto, lamuloli nthawi zambiri limaphatikizapo mangawa pagalimoto yobwereka. Koma tsimikizirani izi ndi wothandizira inshuwalansi. “Ngati mulibe inshuwaransi yamagalimoto, mudzafuna kuvomera ndalama zowonjezera zoperekedwa ndi kampani yamagalimoto yobwereketsa, zomwe zitha kukhala zodula,” akutero Stanish.

    Yang’anani njira yobwereketsa galimoto ya kirediti kadi yanu musanayende. Malinga ndi Rebecca Gramuglia, katswiri wogula malo ochotsera TopCashBack.com, kudziwa zambiri kumakupatsani mwayi wopanga chisankho molimba mtima pamalo obwereketsa. Iye anati: “Pezani zomwe zili pa kirediti kadi ndi zomwe mulibe. “Malingana ndi khadi, mungakhale ndi zoletsa zina, choncho dziwani zomwe mumaphunzira pakachitika ngozi.”

Kodi kirediti kadi yanu ili ndi zopindula zobwereketsa galimoto?

Kuti muwone ngati kirediti kadi yanu ili ndi phindu lagalimoto yobwereketsa, lowani muakaunti yanu pa intaneti ndikuyang’ana gawo la Mapindu. Ngati simungapeze zambiri, imbani nambala ya foni yomwe ili kuseri kwa khadi lanu ndipo lankhulani ndi woimira makasitomala.

Kumbukirani kuti makampani a kirediti kadi nthawi zina amasintha phindu lomwe limabwera ndi khadi linalake, choncho ndi bwino kuyang’ananso mawuwo poyamba.

Kodi kugwiritsa ntchito kirediti kadi kukukwanira?

Nthawi zambiri, inshuwaransi yobwereketsa kirediti kadi yokha siyokwanira. Kuphunziranso kwachiwiri, mwachitsanzo, kumangoyamba mukangofika pachiwopsezo chachikulu cha ndondomeko yanu yamagalimoto. Ngakhale khadi yanu ikupereka chithandizo chofunikira, ambiri aiwo amangokhalira kugundana osati chifukwa chazovuta. Mudzafunikabe kudalira ndondomeko yanu yaumwini kapena zowonjezera kuchokera ku bungwe lobwereka ngati mulibe inshuwalansi.

Kuyerekeza makhadi abwino kwambiri obwereketsa magalimoto

Ngakhale makhadi ambiri angongole amapereka mapindu a inshuwaransi yobwereketsa galimoto, ochepa amapereka chithandizo chofunikira. Nawa kuwona ena mwamakhadi abwino kwambiri okhala ndi inshuwaransi yobwereketsa magalimoto:

Mafunso ofunikira omwe mungafunse wopereka kirediti kadi musanabwereke galimoto

Onetsetsani kuti mwamvetsetsa nthawi komanso momwe mapindu obwereketsa magalimoto a kirediti kadi yanu amayambira. Ambiri opereka makhadi apangitsa kuti chidziwitsochi chizipezeka pa intaneti, koma mutha kuyimbiranso nambala yafoni kumbuyo kwa kirediti kadi yanu kuti mutsimikizire. Mufuna mayankho a mafunso awa:

  • Kuphunzira ndi koyambirira kapena kwachiwiri? Dziwani ngati mudzafunikira kudalira inshuwaransi yagalimoto yanu, ngati muli nayo, chithandizo cha kirediti kadi chisanayambe.
  • Kodi ndingatsimikize bwanji kuti ndaphimbidwa? Khadi lanu likhoza kukupatsani chithandizo, koma izi sizikutanthauza kuti ndinu omveka bwino. Nthawi zambiri, muyenera kulipira lendi yonse ndi khadi yomwe imapereka chithandizo, komanso kukana kugunda kwa bungwe lobwereka kapena kuchotsera kuwonongeka. Muyeneranso kukhala wobwereketsa wamkulu wagalimotoyo.
  • Ndi magalimoto amtundu wanji omwe amaphimbidwa? Mapangano ena obwereketsa makadi a ngongole samaphatikizapo mitundu ina ya magalimoto, monga njinga zamoto, malole, ma vani, ndi magalimoto akale kapena okwera mtengo. Kuphatikiza apo, kufalitsa nthawi zambiri kumangokhudza kubwereketsa kwachikhalidwe osati kugawana magalimoto ngati Zipcar.
  • Kutalika kwa nthawi ya chithandizo ndi chiyani? Chitetezo chobwereketsa nthawi zambiri chimakhala kwa masiku 14, ngakhale malamulo ena amakhala masiku 30 kapena kupitilira apo. Ngati mukukonzekera kuyenda ulendo wautali, mungafunike kudalira inshuwalansi yanu ikatha ntchito yanu.
  • Ndi mayiko ati omwe ndimakhala nawo? Mayiko ena saloledwa kufalitsa nkhani zapadziko lonse lapansi. Mwachitsanzo, Ireland, Israel ndi Jamaica nthawi zambiri saphatikizidwa chifukwa malamulo am’deralo amafuna kuti madalaivala agule chitetezo cha kuwonongeka kwa ngozi ku kampani yobwereka.
  • Ngozi zamtundu wanji – ndipo sizikuphimbidwa ndi chiyani? Kuba ndi kuwonongeka kwakuthupi kwa galimoto yobwereketsa ndi mitundu yofala kwambiri yakutayikiridwa, koma ambiri amanyamulanso mtengo wokokera ndi zolipiritsa zina. Komabe, sizinthu zonse zama kirediti kadi zomwe zingakulipire kuvulala kapena kuwonongeka komwe mumayambitsa magalimoto kapena katundu wina chifukwa cha ngozi. Ngati ndikulakwitsa, muyenera kudalira inshuwalansi ya galimoto yanu kuti muteteze ngongole, zomwe sizingakhale zokwanira pa ngozi yaikulu.

    Kuphatikiza apo, malamulo a kirediti kadi nthawi zambiri saphimba zinthu zomwe munthu wabedwa m’galimoto. Yang’anani eni nyumba kapena inshuwaransi ya renters m’malo mwake.

  • Nanga bwanji ngati ndilibe inshuwaransi yagalimoto? Muyenera kugula chindapusa choyambira kukampani yobwereketsa.
  • Kodi njira yoperekera zofunsira ndi yotani? Zikachitika zakuba kapena ngozi, kulemba chiwongola dzanja kudzera pa kirediti kadi yanu m’malo mokhala ndi inshuwaransi ya kampani yobwereketsa kudzafunika ntchito yowonjezera kwa inu. Kumvetsetsa ndondomekoyi, kuphatikizapo mitundu ya zolemba zomwe mungafunike, kungakutetezeni kuti musataye nthawi yokhudzana ndi zomwe mukufuna pa ntchito kapena paulendo wanu.
  • Kodi ndimalumikizana ndi ndani? Pempho likangoyambika, mungafunikire kuchitapo kanthu kudzera mwa munthu wina osati kubanki kapena bungwe lobwereketsa. Pezani mauthenga olondola pakachitika ngozi.

Kodi muyenera kuchita chiyani ngati mwachita ngozi?

Pakachitika ngozi, tsatirani njira zomwezo ngati muli mgalimoto yanu: onetsetsani kuti palibe amene wavulala, itanani oyankha oyamba ngati kuli kofunikira, gawanani zambiri ndikujambula zithunzi za kuwonongeka kulikonse. Lumikizanani ndi kampani yanu yobwereketsa magalimoto – sungani mgwirizano wobwereketsa m’manja – kuti munene za ngoziyo ndi kudziwa kuchuluka kwa momwe kampaniyo ingathandizire. Kenako, funsani wopereka khadi lanu kuti mudziwe za kubweza ndalama zotsalazo.

Ngakhale ambiri opereka makhadi amafuna kuti mupereke chigamulo mkati mwa masiku 90 mpaka 180, yesetsani kupereka chigamulo komanso lipoti la apolisi mkati mwa maola 24.

Izi zitha kuwoneka ngati zotopetsa, koma Grammoglia akuti musasiye kunena zomwe mukufuna. “Kuchita izi mwamsanga kudziwa zomwe zaphimbidwa kungakuthandizeni kupeŵa ndalama zosayembekezereka m’tsogolomu.”

Momwe mungasankhire khadi yoyenera ya inshuwaransi yobwereka galimoto

Pankhani yosankha kirediti kadi yokhala ndi magalimoto obwereketsa, ganizirani zomwe mukufuna. Nthawi zambiri, kubwereketsa koyambirira kumakondedwa, ngakhale kubwereketsa kwachiwiri kungakhale kopindulitsa ngati muli ndi ngongole yotsika mtengo komanso yokwanira yobwereketsa galimoto yanu. Komanso, ganizirani izi:

  • Kodi chiwongola dzanja ndi chiyani? Simukufuna kupeza chiwongola dzanja chochuluka ngati mutenga ndalama zokwanira mwezi wamawa, choncho yang’anani khadi pamtengo wotsika.
  • Kodi pali chindapusa chapachaka? Nthawi zina chindapusa chapachaka chimakhala choyenera ngati khadi likupereka zopindulitsa, koma mungakonde kukhala ndi khadi laulere.
  • Kodi mungapeze mphotho? Makhadi ambiri a ngongole amakupatsani mwayi wopeza mapointi, mailosi, kapena ndalama zomwe mwawononga. Ngati mukufuna kugwiritsa ntchito ndalamazo, mutha kupezanso zina.
  • Ndi zinthu zina ziti zomwe zilipo? Kuphatikiza pa inshuwaransi yobwereketsa galimoto, pezani khadi lomwe lili ndi zinthu zomwe zikugwirizana ndi ndalama zanu komanso moyo wanu. Mwachitsanzo, ngati mukuyenda kwambiri, mungafune kutenga khadi lomwe limaperekanso katundu wofufuzidwa kwaulere kapena ngongole yogulira ndege.

Leave a Comment

Your email address will not be published.