Rental Car Insurance muU.S. kune Vatorwa
Unoshuvira kuti haufanire kushandisa inishuwarenzi, asi zvirinani unayo kana uchida. Haisi chete icho chiri madikanwa kuchengetedza mari yako, asi inishuwarenzi inodiwawo pamutemo muUnited States.
Kana iwe uri kufamba nyika dzese uye kuronga kurenda mota kuU.S., unenge uchida inishuwarenzi yemotokari. Iwe unogona kunge uchinetseka kana zvichazove zvichikwanisika kutenga inishuwarenzi.
Shuwa here kuti hofisi yekubhadhara ichagamuchira rezinesi rako rekunze Iwe une chero zvingasarudzwe zvekutenga inishuwarenzi kupi? Ko kana usiri kutenga inishuwarenzi zvachose?
Kune mibvunzo mizhinji, asi usaremerwa. Maitiro acho ari nyore, uye kana iwe uchiziva zvekutarisa, iwe unokwanisa kuwana chaicho chakanakira mamiriro ako.
Chii chinonzi auto inishuwarenzi?
Inishuwarenzi yeinishuwarenzi yeinishuwarenzi yakavezwa kuchengetedza zvido zveinishuwarenzi zvine chekuita nemitengo yekudzoreredza mota mushure mekutengesa mota kana kuba, muripo wekukuvara kwakakonzerwa kune yechitatu mapato mukati kushanda kwemota.
Kana iwe ukasarudza sarudzo yakachipa yemotokari yako yemotokari yekubhadhara. Ipapo ipapo Izvo Izvo Zvinotsaudzirapo nekuti iwe unorenda van kana mota. Kune van inokodzera uye inodhura kuti uende kuburikidza nemotokari yekubatira, nepo yemota inopa zano kune bhuku zvakananga nekambani yekubhadhara.
Ndedzipi sarudzo dzeinishuwarenzi dzemotokari yangu?
Kutanga, ngatitaure nezve izvo zvinodiwa. Kuti utyaire muU.S., unoda inishuwarenzi. Rudzi urwu rwemutemo runovhara kukuvadzwa kwaunoita kune imwe pati.
Semuenzaniso, kana iwe uchizopedza imwe mota yakamiswa parutivi rwemotokari, kuparara ndiko mhosva yako, uye inishuwarenzi yekuremara inoripira kukuvadzwa kwemotokari yemumwe mubato uye nekukuvara kwavo mumuviri kusvika pamiganho yepolisi yako.
Imwe neimwe yenyaya dziri muU.S. ine miganhu yayo yezvikwereti zvinodiwa, asi hapana imwechete dunhu inodikanwa muganho wakakwira wakaringana mukudzivirirwa kwako kwakakwana kwemari.
Kuti uve akachengeteka, iwe unoda mutemo wezana 100/300/100. Nhamba idzodzo dzinomiririra zvinotevera:
- $ 100K kukuvara kwemuviri pamunhu
- $ 300K kukuvara kwemuviri zvachose netsaona kune vanhu vakawanda
- $ 100K kukuvara kwemuviri
Zvichienderana nekuti uri kubhadharisa mota mota ipi, ungangodikanwawo kutenga dziviriro yekukuvara yako inovhara kukuvara kwako wega.
Ungangodawo kutenga isina kuvharwa / isina kuvharwa motaist iyo inovhara kukuvadza kwako kana munhu asina kudzivirirwa / asina kuchengetedzwa akakonzera tsaona newe.
Kuverengera dhisheni chinhu chakakosha. Izvo zvinodiwa zviri pamutemo, saka iwe unofanira kuzvitenga. Kana ukasazvitenga, izvi ndizvo zvaunotarisira:
- Iwe unemari mune zvemari kukuvadza kwaunokonzeresa kune mumwe munhu nemotokari.
- Uchasarapwa uye kupihwa tikiti rekutyaira pasina inishuwarenzi.
Kune mamwe marudzi ekuvhara asiri iwo anodikanwa asi kutenga kwekuchenjera kana uri kuhaya mota. Motokari dzemubhadharo imotokari nyowani uye nekuda kweizvozvo, dzakakosha kudarika vanhu vazhinji vangabhadhara kutsiva.
Kuvhara kufukidza kuchabhadhara kukuvadzwa kwemota yako yekurejesa kana ukakonzeresa tsaona, nepo kufukidza kwakazara kuchizadza kukuvadza kumotokari yako yekurenda kubva pakurova mhuka, kunge nondo, uye kubva pakuparadza, kuba, uye zviitiko zvepanyama.
Miganhu yekurovera uye yakazara yakafukidzwa ichave iyo kukosha kwemotokari. Iwe hauna chisarudzo chekutenga chekuwedzera chawakaita sezvaunoita nechisungo, asi zvakare haufanirwe kudaro.
Ko iyo agency yekurendesa ichave neyako yakanaka yekuvhara yandinogona kutenga?
Ehe, ivo vanopa iyo inishuwarenzi iwe yaunoda uye nezvimwe. Iwe hausi munhu wekutanga kubva kune imwe nyika yavakatarisana nayo.
Kana iwe uine rezinesi kubva kwaunogara, iwo mahofisi makuru ekurenda anozozviziva izvozvo uye iwe unozokwanisa kurenda mota uye kuwana inishuwarenzi kuti uende pamwe nayo.
Iwe unowanzove nesarudzo yekutenga:
- Dhadharo Chevhavha - yekukuvadza kwaunoita kune imwe pati
- Kurasikirwa Kukuvadza Waiver - kune chero kukuvara kwakaitwa kumota yako yekurejesa
- Zvemunhu zvinogoneka Chevha - zvezvinhu zvako zvakakanganisika mumotokari yekurejesa
- Kuziva Kwemunhu Ngozi - nezvekukuvara kwepati yako
Kana iwe watove watenga yekufambisa inishuwarenzi yekurapa yekufamba, tsaona yemunhu oga yakavharwa nekambani yekurejesa inogona kunge isingakoshi.
Kufananidza mitengo yemota yekurenda uchishandisa saiti inoratidza sarudzo dzinoverengeka kamwechete nenzira yakanaka yekutanga kutsvaga nzvimbo yakachipa yekutoresa kubva, asi usakanganwa kuenzanisa yavo mutengo weinishuwarenzi.
Sezvo uchizoda kutenga inishuwarenzi kuburikidza neyemubhadharo agency, mutengo wekuwedzera inishuwarenzi wakangokosha semutengo wekurenda mota.
- Inishuwarenzi yemotokari inishuwarenzi yakakwana here?
Ehe, iyo inishuwarenzi yekubatira inishuwarenzi inogona kukwana kana iwe uchitenga iyo chaiyo nhanho yekuvhara kune zvaunoda.
Kuchengetedza mari chinangwa chakakodzera chero munhu anofamba. Unogona kufananidza mitengo yenendege kuti utenge mutengo wakanakisa. Kana iwe wakanangisa pekuchengetedza mari, iwe uchazoda kufunga nezve mutengo wepamusoro weinishuwarenzi yemotokari kupesana nekuchengetedza mari nekuvhara kwakaderera.
Kuwedzerwa kwakawanda kwaunotenga, ndipo pakawandisa mutemo wako wekutenga mari, saka ita chokwadi kuti hausi kupeterera pakubika. Kana iwe uine yekufambisa yekuchipatara kurapwa, pamwe haudi kutenga pachako tsaona ngozi.
Dzimwe nguva rugare rwepfungwa runouya nekuziva kuti hauzove nechikwereti chekukuvara kune dzimwe mota uye yako yekurejesa mota yakakodzera kutenga iyo yeprimishuwarenzi yekuvhara, kunyanya kana rwendo rwako rwupfupi.
Iyo yakareba rwendo rwako, ndipo paunonyanya kuda kuongorora mutengo uchienzanisa nerubatsiro rweyero reinishuwarensi raunotenga.
Makadhi echikwereti anopa imwe nzira yekubhadhara here?
Mamwe makadhi echikwereti anopa enzvimbo dzepamhepo yekubhadhara motokari. Kune akawanda emakadhi echikwereti, uye zvigadzirwa uye mazwi eaya akasiyana, saka nzira chete yekuziva izvo kadhi rako mumubvunzo inopa kuenda online uye kutarisa kumusoro.
Mamwe makadhi echikwereti ane chekuvhara anosanganisirwa, uye iwe unongoda kushandisa kadhi iro kuhaya mota uye inozvivharira iwe pachako.
Mamwe makadhi anokupa iyo sarudzo yekutenga yerent yekuvhara motokari kufukidzwa chirongwa Kunyangwe kana iwe uchifanira kuutenga, kazhinji hwakachipa pane izvo izvo iyo yekurejesa agency yauchapa.
Iwe haudi kuisa pangozi yekusavharwa zvakanaka, saka kana uine mibvunzo chaiyo iwe unogona kufonera yako kiredhiti kiredhiti sevhisi sevhisi kuti ujekeswe.
Rangarira mhando dzeinishuwarenzi dzemotokari dzakambotaurwa:
- Dhadharo inobhadhara kukuvadza kune vamwe
- Kugovana uye kwakazara (yakazara nyaya) kubhadhara kukuvara kumota yauri kubira
Mazano Ekupedzisira ekuripira Imotokari muU.S.
Kana iwe uri kubhururuka uye uchigara muguta rakakura, unogona kunge uchizoona mota yekurenda uye yeinishuwarenzi zvachose nekutora zvifambiso zvevoruzhinji. Nekudaro, zvifambiso zvevoruzhinji haisi sarudzo inoshanda kunze kwemaguta makuru eU.S.
Kana iwe uchigara kwenguva yakareba yenguva, iwe ungakumbirwa kutora rezinesi rekutyaira, kunyangwe kana usiri kuronga kugara zvachose.
Kuwana rezenisi renyika kuchavhura nzira dzako dzeinishuwarenzi nekuti kuchaita kuti iwe uve akakodzera kune inishuwarenzi yemotokari kubva kune yakawanda yakawanda yeinishuwarenzi mauto. Iwe uchazowana inishuwarenzi nemari yakachipa pane izvo zvinopihwa nemubhadharo wekuchera mota kana uchinge waenzanisa sarudzo.
Nemakambani makuru ekurenda, nzira yekutenga inishuwarenzi iri nyore, uye haufanirwe kutarisira chero matambudziko.
Sarudza kuti ndeupi mhando yeinishuwarenzi yaunoda usati waenda kunorenda mota kuitira kuti usazovezwa nemumiririri mukutenga zvakanyanya kufukidza zvaunoda.
Iwe uchanakidzwa nerwendo rwako uchinyatsoziva kuti unodzivirirwa neakanakisa auto inishuwarenzi yemamiriro ako.
Paunenge uchitsvaga zvakafukidzwa nekadhi rechikwereti, ita shuwa kuti unonzwisisa kana kufukidzwa kwacho kuchisanganisira zvese mutoro uye zvakakwana zvekuvhara kana kana zvichingoenderana nerudzi rumwe chete rwekuvhara.
Melanie Musson inyanzvi yeinishuwarenzi yemotokari uye munyori weCarInsuranceComparison.com. Ndiye chizvarwa chechina mumhuri yake kushanda muindasitiri yeinishuwarenzi. Akakura neinishuwarenzi hurukuro seimwe yenguva dzese dzekutaura uye akadzidza kuti awane ruzivo rwakadzama rwemutemo-yakatarisana nemishuwarenzi yemotokari uye simba pamwe nekunzwisisa kwakadzama nezvekuti inishuwarenzi inopinda sei muhupenyu hwomunhu wese, kubva pamabhajeti kusvika pakubika. mazinga.
