Inkqubo ye- i-inshurensi yemoto eqhubekayo Ziphakathi kwezona zibalulekileyo eUnited States. Ukuqhubela phambili, omnye wabanikezeli beinshurensi abaziwayo, ebebonelela nge-inshurensi yemoto ngaphezulu kweminyaka engama-80. Kodwa, Ngaba ilungele wonke umntu? .
Iindidi zokugubungela okanye imigaqo-nkqubo enikezelwa yinkqubela phambili
Ukuqhubela phambili ukwahlula i-inshurensi yemoto kwiindidi ezintathu:
1. Ukufunda ngengozi yomnye umntu okanye isithuthi
Ukuhlawulwa koxanduva, olufunekayo kuninzi lwamazwe, kuhlawulela ukonzakala okanye ukonakaliswa kwepropathi kwabanye obubangela xa uqhuba. Ikwajongana nemirhumo yakho yezomthetho kunye nezinye iindleko zonyango kunye nelahleko yengeniso ukuba benzakele.
2. Ukubonelela ngokwenzakala okanye isithuthi
Ufuna umgaqo-nkqubo we-inshurensi yemoto ukukhusela wena, abakhweli bakho kunye nemoto yakho. Nazi izinto onokukhetha kuzo:
- Inkcazo ebanzi lungisa okanye ubeke endaweni yakho imoto yakho ukuba yonakele bubusela, ukonakalisa impahla, ukubetha isilwanyana, umlilo, okanye isenzo sendalo. (Isibonelelo esihle: Ukuba ungqubana nokungqubana kwaye isilwanyana sakho senzakele kwingozi yemoto, Inkqubela phambili igubungela amatyala akho e-vet ukuya kuthi ga kumda ochaziweyo.)
- Ukugubungela ukungqubana ubhatala umonakalo kwisithuthi sakho ukuba ubethe enye into, enje ngemoto, umthi, okanye ibhokisi yeposi, nokuba ngubani na onetyala.
- Inkqubo ye- Ukubonelelwa kwe Ukungenzelwa i-Uninsured okanye Underinsured Motorist Injury ubhatala ukonzakala kwakho ukuba utshayiswe ngumqhubi engenayo i-inshurensi encinci okanye engenayo kwaphela.
- Inkqubo ye- ukhuseleko lokugubungela i-inshurensi / ipropati yomqhubi engaqinisekiswanga uhlawula umonakalo kwisithuthi sakho ukuba utshayiswe ngumqhubi ongenayo i-inshurensi encinci okanye engenayo kwaphela.
- Inkqubo ye- Ukubonelelwa kwe iintlawulo zonyango ubhatalela ukhathalelo lwakho lwezonyango kunye / okanye iindleko zomngcwabo ukuba wonzakele okanye usweleke engozini, nokuba ngubani onetyala. Iintlawulo zonyango zinokugubungela iindleko zabakhweli bakho. Ukuba wena okanye amalungu osapho lwakho wenzakele ngelixa uhamba, uhamba ngebhayisekile, okanye emotweni yomnye umntu, iintlawulo zonyango zinokuzigubungela ezo ndleko zonyango. Amanye amazwe akhuselekile ngokwenzakala (PIP) endaweni yokuhlawulwa kweentlawulo zonyango; Oku kunika ukhuseleko olufanayo.
3. Ukugquma kunye nezinye izibonelelo
Unokongeza oku kulandelayo kwi-inshurensi yakho ye-auto ukuba unqwenela:
- Ukungqubana okurhoxisiweyo Inkqubela phambili iyakuyeka ukungqubana kwakho xa uthe wahlelwa yingozi engaqinisekiswanga ngumqhubi wemoto.
- Intlawulo yerenti -Ukuba unenkcazo ebanzi kunye nokungqubana, ungayongeza le ngxelo ukuhlawulela imoto yakho yerenti ngelixa isalungiswa isithuthi sakho.
- Intlawulo yemali mboleko / yokuqeshisa (aka Gap Insurance) : Ngaba uqeshisa ngemoto yakho okanye unemali mboleko engekahlawulwa ngaphezulu kwexabiso lemoto? Ukuba isithuthi sakho sibhengezwe njengelahleko iyonke, i-inshurensi yemali mboleko / yengqeshiso ihlawula umahluko phakathi kwesixa-mali esihlawulwayo kunye nemali osibamba yona kumbolekisi wakho, ukuya kuthi ga kwiipesenti ezingama-25 zexabiso lemali yemoto yakho.
- Uncedo lwendlela -Oku kuhlawulela ukulungiswa kwendlela ecaleni, uncedo, okanye iinkonzo zokurhuqa.
- Izixhobo zomntu kunye nezixhobo zokugubungela -Ukuba uyilungiselele imoto yakho ngesitiriyo esine-high-end, inkqubo yokuhamba, iivili zesiko, okanye imisebenzi yepeyinti yesiko, unokufuna ukuba le ngxelo ilungise okanye ithathe indawo yezo zinto.
- Ukubonelelwa kwe uhambo kwabelwene -Ukuba uqhuba ngenkonzo ye-rideshare, le inshurensi inceda ukuvala umsantsa okhoyo xa ungena kwi-app kodwa ungasamkeli isicelo sokukhwela. Uninzi lwemigaqo-nkqubo yeinshurensi evela kwiinkampani zokwabelana ngokukhwela zibonelela ngokulinganiselweyo ngeli xesha.
- Ibhanki yokonga etsalwayo Ngexesha ngalinye lomgaqo-nkqubo ongenabango (iinyanga ezintandathu), eli nqaku lisusa i-50 $ kwingozi yakho kunye nokuncitshiswa okubanzi.
- I-inshurensi yemoto eMexico -Ukuba uya eMexico, kuya kuba bubulumko ukufumana i-inshurensi yemoto kolo hambo. Ngokusebenzisa iqabane, inkqubela phambili inikezela isiseko, imigangatho, kunye nenqanaba elandisiweyo lokugubungela iimoto, izithuthi zokuzonwabisa kunye nezithuthuthu.
Iindlela zokonga ngokuqhubela phambili
Inkqubela phambili yeinshurensi yemoto. Zininzi iindlela zokonga kwi-inshurensi yakho yemoto ngenkqubela phambili, kubandakanya nezaphulelo ezithembakeleyo, izaphulelo ezisekwe kumqhubi, kunye nezaphulelo malunga nendlela yokuthenga kunye nokuhlawula i-inshurensi yakho. Izaphulelo zongezwa kwixabiso lakho ngokuzenzekelayo, kodwa ayizizo zonke izaphulelo ezifumanekayo kuwo onke amazwe.
Ukunyaniseka izaphulelo
- Imigaqo-nkqubo emininzi Indibaniselwano yekhaya kunye ne-inshurensi yemoto inokukugcina ngaphezulu kwe- $ 1,000, ngokweNkqubela phambili. (Ukubonelela abaqeshisi kunye nee-condos kuthathwa njenge-inshurensi yasekhaya.) Kwaye izaphulelo zomthwalo zandisela ngaphaya kwe-auto kunye ne-inshurensi yasekhaya-thenga iintlobo ezimbini zokugubungela kwaye uya kufumana isaphulelo esiphakathi se-5%.
- Isaphulelo seemoto ezahlukeneyo Abathengi abakhusela ezimbini okanye nangaphezulu kwaye bagcina i-avareji ye-12%.
- Isaphulelo seinshurensi eqhubekayo -Ukuba une-inshurensi eqhubekayo (nokuba unayo i-inshurensi eyahlukileyo), unokufumana isaphulelo. Ixabiso lesaphulelo liya kuxhomekeka kubungakanani bexesha eliqhubeke li-inshurensi ngaphandle kokurhoxiswa okanye iindawo ezingathandekiyo.
- Isaphulelo soMqhubi Umama notata bokwenyani: Inkqubela phambili inikezela ngesaphulelo kulutsha oluneminyaka eli-18 nangaphantsi wakube ungumthengi unyaka omnye.
Ukufumana isicatshulwa esiqhubela phambili
Unokufumana isicatshulwa esiqhubela phambili kwi-Intanethi, ngengxoxo, kwifowuni, okanye ngokuthetha noFlo, Intombazana eqhubela phambili, kwiFacebook Messenger. Ngaba uyayithanda imbono yokuba nefayile ye- iarhente yeinshurensi ezinikeleyo ukukunceda kwinkqubo ukusuka kwikowuti ukuya kwibango? Ungayenza ngale ndlela nayo, nangona kunjalo awuzukufumana sondlo sinye oya kuthenga ngqo kwi-Progressive. Ngaphambi kokufumana isicatshulwa, ungasebenzisa Uqikelelo lweinshurensi oluzenzekelayo ukufumana umbono wokuba ufuna ingxelo engakanani.
Ukubonelela ngesicatshulwa esichanekileyo
Ukuqhubela phambili kubuza ukwenziwa, imodeli kunye nonyaka wemoto yakho; Nokuba ungumnikazi okanye uqeshisa; eyona nto isetyenziselwa yona imoto; kwaye uqhuba iimayile ezingaphi ngonyaka. Baya kufuna igama lakho, idilesi, ubudala, imeko yomtshato, inqanaba lemfundo, kunye nenqanaba lomsebenzi. Malunga namava akho okuqhuba, baya kukubuza ukuba uyifumene nini ilayisensi yakho yokuqhuba kunye nenqanaba lakho; ukuba ufumene ingozi, ulwaphulo-mthetho okanye ibango kule minyaka mihlanu idlulileyo; kwaye ukuba unayo i-inshurensi yemoto ngokuqhubekayo kule minyaka mithathu idlulileyo. Okokugqibela, baya kukubuza ukuba unayo nayiphi na imigaqo-nkqubo eqhubekayo.
Ufuna ukuhlawula malini?
Isixhobo Chaza ixabiso lakho Ukuqhubela phambili kunokukunceda wenze ngokwezifiso iintlobo kunye nemali yokugubungela oyifunayo . Mane uxelele inkqubela phambili ukuba ufuna ukuhlawula malini, kwaye isixhobo sikubonisa olona khetho lufanelekileyo lokulungiselela uhlahlo-lwabiwo mali.
Ngaba awuzithandi iindlela onokuthi uzinike? Unokufumana iinkcukacha ezithe kratya kuhlobo ngalunye lokugubungela kwaye uhlengahlengise amanqanaba akho okugubungela ude waneliseke. Uya kuboniswa kwakhona kwinqanaba lokugubungela elincomekayo kudidi ngalunye, into entle ekunceda ukuba unqande ukubhabha kwisitshixo kwiinzame zokugcina imali.
Ayisiyiyo inkqubela phambili ekubonelela ngesicatshulwa kuphela, kodwa yenza ukuba kube lula ukuthelekisa amaxabiso einshurensi yemoto ngokukubonisa uqikelelo lwamaxabiso kwezinye iinkampani.
Asebenza njani amabango aqhubela phambili?
Njengokufumana isicatshulwa kwiNkqubela phambili, ukwenza ibango kulula ukwenza. Ungafaka amabango nge-24/7, kwi-Intanethi, kwifowuni, okanye ngokutsalela umnxeba iarhente yakho ezinikeleyo, ukuba unayo. Indlela ekhawulezayo yokufaka ibango kukusebenzisa i-Progressive mobile app. Sebenzisa uqikelelo lwefoto yohlelo lokusebenza ukuhambisa iifoto okanye iividiyo zesithuthi kunye nomonakalo ukuze ufumane uqikelelo kwangoko.
Inkqubela phambili icebisa ukuqokelela olu lwazi lulandelayo ngaphambi kokugcwalisa ibango lakho:
- Indawo, umhla nexesha lengozi.
- Igama, idilesi, inombolo yefowuni, kunye nenombolo yomgaqo-nkqubo weinshurensi yakhe wonke umntu obandakanyekayo
- Imozulu
- Iifoto (ze) zezithuthi ezonakalisiweyo
- Iikopi zamapolisa kunye / okanye iingxelo zengozi, ukuba zikhona.
Kuxhomekeka kwibango lakho, unokusebenza kunye noqikelelo, ummeli wamabango, okanye zombini. Ummeli wamabango umisela ukuba ngubani ophambene ngokusekwe kwimithetho yelizwe kunye neemeko zengozi. Unokukhetha ngokulula ukufumana intlawulo yomonakalo okanye ukuwulungisa; ukuba yeyokugqibela, ummeli wamabango uya kuchaza ukuba isebenza njani kwaye uza kuyilawula inkqubo. Ungasebenzisa nayiphi na ivenkile yokulungisa oyifunayo, kodwa ukuba ukhetha enye kuthungelwano lwelizwe oluqhubela phambili, ulungiso lwakho luqinisekisiwe okoko ungumnini okanye uqeshisa isithuthi sakho.
Izaphulelo kumqhubi
Umfanekiso okhawulezayo
Khuphela iapps yeselfowuni okanye ufake iplagi efakwe kwimoto yakho kwaye uza kufumana isaphulelo kwangoko ukuba ungumthengi omtsha. Ukulandela umkhondo kwimikhwa yakho yokuqhuba, kwaye inqanaba lokuhlaziya kwakho liya kwenziwa ngokwezifiso ukuba uqhuba njani. Inkqubela phambili yokuba i-Snapshot igcina abaqhubi abakhuselekileyo nge-avareji yeedola ezili-145 ngonyaka, nangona inokuphela ihlawula ngaphezulu ukuba inkqubela phambili ijonga ukuqhuba kwakho njengomngcipheko omkhulu.
Isaphulelo esihle kubafundi
yongeza umfundi nge-B ye-avareji yebakala okanye engcono kumgaqo-nkqubo wakho kwaye ufumane isaphulelo.
Isaphulelo sabafundi esikude
Fumana isaphulelo ukuba umfundi kwipolisi yakho ukwikholeji yexesha elizeleyo, engama-22 okanye engaphantsi, kwaye uhlala ngaphezulu kweekhilomitha ezili-100 ukusuka ekhaya.
Abanini bamakhaya Isaphulelo
Nokuba ikhaya lakho alikho kwi-inshurensi ngenkqubela phambili yenethiwekhi, uya kufumana isaphulelo se-10% somnini omnye.
Izaphulelo zendlela othenga kwaye uhlawula ngayo
- Uhlahlo-lwabiwo mali olukwi-Intanethi -Fumana i-avareji ye-4% isaphulelo ukuqala uhlahlo-lwabiwo mali lwakho kwi-intanethi, nokuba uligqiba ngomnxeba.
- Sayina kwi-Intanethi -Ukusayina amaxwebhu akho kwi-intanethi, unokufumana isaphulelo esiyi-8.5%.
- Iphume ephepheni Ukongeza kwisaphulelo sokutyikitya amaxwebhu kwi-intanethi, kukho izaphulelo zokungasebenzisi iphepha.
- Hlawula ngokupheleleyo -Fumana isaphulelo ukuba uhlawula ipremiyamu yakho kwiinyanga ezintandathu ngexesha.
- Intlawulo ezenzekelayo -Ukuba ukhetha ukuhlawula inyanga nenyanga, usengasifumana isaphulelo ngokumisela intlawulo ezenzekelayo.
Inzuzo
Ukuqhubela phambili kubonelela ngezinto eziluncedo kunye nezibonelelo ezinokukunika umdla.
Ukunyaniseka kunomvuzo
Njengomthengi omtsha oqhubela phambili, ubhalise ngokuzenzekelayo kwinkqubo yokufumana umvuzo kwaye uya kufumana izibonelelo ezininzi ixesha elide uhlala u-inshurensi. Ngokukhawuleza, uya kufumana uxolelo oluncinci lwengozi, oko kuthetha ukuba awuzukuhlawuliswa kumabango abanzi phantsi kwe- $ 500 ngaphandle kokuba zenzeka rhoqo.
Emva kweminyaka emihlanu, kwaye ukuba ubungenangozi iminyaka emithathu elandelelanayo, uyakufanelekela ukuxolelwa ngengozi enkulu, nto leyo ethetha ukuba iirhafu zakho azizukunyuka ukuba ufumene ingozi enkulu. Ukuqhubela phambili kude kubalwe ukuba ubunikwe inshurensi ixesha elingakanani na kwinkampani yangaphambili kwaye uyisebenzisa kwinqanaba lakho lokunyaniseka.
PerkShare
Abathengi abaqhubela phambili banokufumana izaphulelo, ukujongana kunye namakhuphoni kuyo yonke into ukusuka kwisithuthuthu, isikhephe kunye nezinto ze-ATV ukuya kwikhabhathi kunye nokuqeshisa imoto, ukuzonwabisa, amakhadi ezipho zevenkile kunye nokunye.
Ifowuni yeselfowuni
Ukongeza ekusebenziseni i-Progressive usetyenziso lwefowuni ukufaka ibango, unokusebenzisa kwakhona ukuphonononga kunye nokuhlela ulwazi lomgaqo-nkqubo; uthenge i-inshurensi; hlawula iipremiyamu zakho; jonga, gcina, yabelana kwaye ugcine amakhadi okuchonga; kwaye ufumane uncedo lwendlela.
Ngaphandle okanye ngaphandle kwesoftware, inkqubela phambili inikezela ngeendlela ezahlukeneyo zokunxibelelana nenkxaso yabathengi okanye imibuzo, kubandakanya ingxoxo, i-imeyile, umnxeba kunye nemithombo yeendaba zentlalo.
Ifowuni ngeSpanish yenkonzo yabathengi
Inkonzo yomthengi ngeSpanish: progressive.com ngeSpanish.
Ngo-1800 734 8767
I-inshurensi eqhubekayo eSpanish. Unokufumana ulwazi oluthe kratya malunga nommeli oqhubela phambili othetha iSpanish kwiwebhusayithi yabo: https://www.progressive.com/agent/espanol/ .
Inkonzo yabathengi eqhubela phambili ngeSpanish iiyure ezingama-24 ngosuku.
Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.
Iziqulatho
- Iindidi zokugubungela okanye imigaqo-nkqubo enikezelwa yinkqubela phambili
- 1. Ukufunda ngengozi yomnye umntu okanye isithuthi
- 2. Ukubonelela ngokwenzakala okanye isithuthi
- 3. Ukugquma kunye nezinye izibonelelo
- Iindlela zokonga ngokuqhubela phambili
- Ukunyaniseka izaphulelo
- Ukufumana isicatshulwa esiqhubela phambili
- Ukubonelela ngesicatshulwa esichanekileyo
- Ufuna ukuhlawula malini?
- Asebenza njani amabango aqhubela phambili?
- Izaphulelo kumqhubi
- Umfanekiso okhawulezayo
- Isaphulelo esihle kubafundi
- Isaphulelo sabafundi esikude
- Abanini bamakhaya Isaphulelo
- Izaphulelo zendlela othenga kwaye uhlawula ngayo
- Inzuzo
- Ukunyaniseka kunomvuzo
- PerkShare
- Ifowuni yeselfowuni
- Ifowuni ngeSpanish yenkonzo yabathengi
- Ngo-1800 734 8767