Ungasithola kanjani isicelo somshwalense wezimoto

Umshwalense wemoto ungenye yezinto ezibaluleke kakhulu zobunikazi bemoto. Umshwalense usiza ukukuvikela uma ube nengozi noma uma imoto yakho ilimele ungekho kuyo. Umshwalense wezimoto awugcini nje ngokusebenziseka ngendlela emangalisayo, kodwa ufunwa ngumthetho ezifundazweni eziningi.

Ngenxa yokuthi udinga ukufaka umshwalense wemoto yakho, kubalulekile ukuthi uthenge yonke indawo futhi uthole intengo nohlelo olukulungele. Intengo yomshwalense wezimoto iyahlukahluka kuye ngeminyaka yakho, indawo kanye nohlobo lwemoto, kanye nenkampani othola kuyo umshwalense kanye nohlobo lwekhava ofuna ukuyithola. Ukuze usebenzise kahle imali yakho, udinga ukuthola izingcaphuno ezivela ezinkampanini zomshwalense eziningana ukuze uqiniseke ukuthi uthola uhlelo olukusebenzela kangcono, isabelomali sakho, kanye nemoto yakho.

Ingxenye 1 koku-2: Qoqa ulwazi oludingayo

Isinyathelo 1: Thola Ulwazi Lomshayeli. Qoqa lonke ulwazi oludingekayo mayelana nomshayeli.

Ukuze uthole ikhotheshini, uzodinga ulwazi oluyisisekelo mayelana nabashayeli abazofakwa umshwalense ngaphansi kohlelo. Ngokuvamile limane lisho igama eliphelele nosuku lokuzalwa. Uma uhlela ukuthi umlingani wakho noma ingane yakho ikhavwe ngohlelo lomshwalense wezimoto, uzodinga nolwazi lwakhe.

Isinyathelo sesi-2: Thola ulwazi lwemoto. Qoqa lonke ulwazi oluyisisekelo mayelana nemoto oyikhokhelayo.

Uma ufuna ukuthola isilinganiso somshwalense, udinga ukwazi unyaka, ukwenziwa kanye nemodeli yemoto yakho. Uma ungalwazi lolu lwazi, ungaluthola ebhukwini lomnikazi wemoto yakho, okufanele libe sebhokisini lamagilavu.

Izinkampani eziningi zomshwalense nazo zidinga inombolo kamazisi yemoto yakho ngaphambi kokukunikeza isipho, ngakho qiniseka ukuthi unayo le nombolo esandleni.

• ImisebenziIMPENDULO: Uma ungayazi inombolo kamazisi wemoto yakho, ungayithola ohlangothini lomshayeli kudeshibhodi lapho ideshibhodi ixhumeka khona kwi-windshield. Inombolo ibonakala kalula ngaphandle kwemoto, nge-windshield.

Isinyathelo sesi-3: Thola ikhodi ye-zip elungile yegalaji lakho. Thola ikhodi ye-zip yegaraji.

Uzodinga ukunikeza inkampani yomshwalense ngekhodi ye-zip ukuze uthole ikhotheshini. Le khodi ye-zip kufanele isuke egalaji lapho imoto yakho izopakwa khona isikhathi esiningi uma ingasetshenziswa.

Uma unezindawo eziningi zokuhlala, noma uma imoto yakho ivame ukupaka ezindlini ezihlukene, khetha i-zip code yendawo yakho yokuhlala eyinhloko.

Ingxenye 2 kwezi-2. Thola umtitilizo enkampanini yomshwalense

Isithombe: Geiko

Isinyathelo 1. Zama izinkampani zomshwalense wezinkampani.. Thola izingcaphuno ezivela ezinkampanini ezinkulu zomshwalense wezimoto.

Ngena kumawebhusayithi abahlinzeki abakhulu bomshwalense wezimoto njenge-Geico, State Farm, Progressive, kanye ne-Allstate.

Thola ingxenye yomshwalense eku-inthanethi kuwebhusayithi yakho bese uchofoza kuyo. Faka imininingwane yomshayeli nemoto bese uthumela isicelo sekhotheshini yomshwalense. Ezinsukwini ezimbalwa kufanele uthole okunikezwayo nge-imeyili noma mhlawumbe ngeposi.

Uma ungathanda ukucaphuna ngokushesha noma ukwazi ukubuza imibuzo mayelana nezinketho zenqubomgomo ezehlukene, sicela ushayele ucingo noma uvakashele ihhovisi langakini lalezi zinkampani zomshwalense.

Isinyathelo sesi-2. Zama izinkampani zomshwalense ezizimele zendawo.. Thola izingcaphuno ezinkampanini zasendaweni ezizimele zomshwalense wezimoto.

Ngokuvamile izinkampani zomshwalense ezincane zinganikeza amanani angcono ngaphezu kwenkonzo yamakhasimende engcono.

Sesha ngokushesha nge-Google noma ubheke encwadini yakho yocingo ukuze uthole izinkampani ezizimele zomshwalense wezimoto edolobheni lakho. Ngena ngemvume kuwebhusayithi yabo, ubashayele ucingo noma uvakashele ihhovisi labo, unikeze umshayeli wakho nolwazi lwemoto, futhi uthole isipho kubo.

• ImisebenziIMP: Akufanele neze unikeze ulwazi olufaka icala lapho uthola ukunikezwa komshwalense wezimoto. Uma iwebhusayithi ikucela inombolo yakho yezokuphepha komphakathi, inombolo yekhadi lakho lesikweletu, noma ulwazi lwe-akhawunti yakho yasebhange, cishe iwumkhonyovu futhi akufanele uqhubeke usebenzisa leyo sayithi.

Isinyathelo sesi-3: Bheka idili elingcono kakhulu. Sesha futhi uxoxisane ngokunikezwa okungcono kakhulu okuvela kumacaphuno anikeziwe.

Uma usuthole zonke izingcaphuno zakho zomshwalense wezimoto, dlula kuzo ukuze uthole ukuthi yiziphi izinkampani ezinikeza izinketho ezingcono kakhulu kuwe kanye nesabelomali sakho.

Uma unezinketho ezimbalwa zokuncintisana, zama ukushayela izinkampani futhi nixoxisane ngentengo engcono. Uma unethuba lokusebenzisa okunikezwayo oncintisana naye, maningi amathuba okuthi ukwazi ukuthola inani elingcono lepholisi yakho.

• Imisebenzi: Lapho ukhetha umshwalense, hlala unake imali edonswayo. Ukuthola imali edonswayo efanele yesabelomali sakho yingxenye ebaluleke kakhulu yokukhetha inqubomgomo yomshwalense. Kungase kulingeke ukukhetha inqubomgomo eshibhe kakhulu ongayithola, kodwa cishe iza ne-deductible enkulu, okungase kube yinkinga uma ungenayo imali elondoloziwe.

Ukukhetha umshwalense olungile kungakongela amakhulu amadola ngonyaka. Ngenhlanhla, ukuthola izingcaphuno kuthatha isikhathi esincane kakhulu. Uma ulandela lezi zinyathelo, ungathola izingcaphuno zomshwalense wezimoto ngokushesha futhi kalula, okukusiza ukuthi uthole umhlinzeki namaphoyisa alungele wena nesikhwama sakho semali. Qiniseka ukuthi ulandela isimiso esijwayelekile sokulungisa imoto yakho ukuze ugcine imoto yakho iphephile futhi isebenza kahle.