Momwe mungaphatikizire inshuwaransi yagalimoto ndi inshuwaransi ya eni nyumba

Kugula inshuwalansi ziwiri kapena kuposerapo, monga inshuwaransi ya mwini nyumba ndi galimoto, kuchokera ku kampani ya inshuwalansi yomweyi imatchedwa "bundling." Kuphatikiza kumakupulumutsirani ndalama ndi kuchotsera komwe kumakhudzana ndi ndondomeko zonse ziwiri. Izi zimatchedwa "kuchotsera kwa ndondomeko zambiri" patsamba lolengeza za ndondomekoyi.

Kuphatikiza pa kukhala otsika mtengo kusiyana ndi kukhala ndi inshuwalansi ya munthu payekha, kusunga ndalama kuli ndi ubwino wina, monga kusavutikira. Pochita ndi kampani imodzi yokha ya inshuwaransi, mutha kuyang'anira ndondomeko zanu mosavuta kudzera pa intaneti yomweyi kapena wothandizira. Mutha kuzindikiranso mipata yofikira ndikuphatikiza nthawi yokonzanso ndi masiku olipira.

Kutengera ndi kampani ya inshuwaransi komanso komwe mukukhala, palinso maubwino owonjezera. Mwachitsanzo, Safeco imapatsa makasitomala ena omwe amaphatikiza chilolezocho pakutayika kumodzi. Choncho, ngati galimoto yanu yawonongeka mofanana ndi nyumba yanu (monga kusefukira kwa madzi), chilolezo cha galimoto yanu chidzachotsedwa chilolezo cha eni nyumba yanu chikalipidwa.

Momwe mungadziwire ngati zida zili zoyenera kwa inu

Ngakhale phukusi lanu la ndondomeko yamagalimoto lingakupatseni kuchotsera, sikuti nthawi zonse ndibwino kusankha. Mutha kupeza mitengo yotsika pamagalimoto ndi nyumba pogula ndondomeko kuchokera kumakampani awiri a inshuwaransi.

Malinga ndi US National Auto Insurance Survey yolembedwa ndi JD Power and Associates, 58% ya anthu amaphatikiza inshuwaransi yawo yamagalimoto ndi nyumba. Kuti muwone ngati mukuyenera kulowa nawo gawoli, yerekezerani mitengo ya inshuwaransi yamagalimoto ndi popanda phukusi.

Kuchotsera kwa ndondomeko zopakidwa kumasiyana malinga ndi kampani ya inshuwaransi. Pafupifupi, ndalama zomwe zasungidwa pophatikiza inshuwaransi yamagalimoto ndi inshuwaransi yapanyumba pakampani ina ya inshuwaransi (ku US) zinali pafupifupi 7.7%. Inali 4.9% ya inshuwaransi yopakidwa magalimoto ndi renter (malinga ndi deta yopangidwa ndi Quadrant Information Services for Insurance.com).

Makampani a inshuwalansi nthawi zina amapereka kuchotsera pa ndondomeko zonse ziwiri m'malo mochotsera ndalama zambiri. Apaulendo amalandira kuchotsera mpaka 13% pa ​​inshuwaransi yamagalimoto mpaka 15% pa inshuwaransi yakunyumba mukaphatikiza inshuwaransi. Kuphatikiza kungathandizenso kuchepetsa ndalama zina. Mwachitsanzo, inshuwalansi ya galimoto yachinyamata ndi yokwera mtengo, kotero ngati mukuwonjezera dalaivala wanu wachinyamata yemwe ali ndi chilolezo chatsopano ku ndondomeko yanu, onetsetsani kuti mukugwirizanitsa kuti muchepetse ndalama.

Chimodzi mwazifukwa zomwe makampani a inshuwaransi amaperekera kuchotsera uku ndi chifukwa amapindula ndi ndondomeko ziwiri, ndipo mwina chifukwa makasitomala omwe amaphatikiza ndondomeko zawo za inshuwalansi amatha kukonzanso ndondomeko zawo. Makampani a inshuwalansi amadziwanso kuti eni nyumba akupanga ndalama zochepa pa inshuwalansi ya galimoto.

Mitundu ina ya inshuwalansi yomwe ingaphatikizidwe ndi inshuwalansi ya nyumba ndi galimoto.

Pali mitundu ina ya inshuwaransi yomwe mungawonjezere ku inshuwaransi yanu yagalimoto ndi yakunyumba kuti muchepetse mitengo ya inshuwaransi yonse:

• chidwi
• Pikipiki
• RV
• MOYO

Ngakhale makampani ena a inshuwaransi yamagalimoto samapereka inshuwaransi ya eni nyumba, ena amatha kujowina inshuwaransi yanyumba kuti apereke kuchotsera. Muyenera kufunsa wothandizira wanu kapena wothandizira wothandizira kuti awone zomwe zilipo.

Makampani a inshuwaransi yamagalimoto omwe amaphatikiza

Makampani ambiri amatha kuphatikiza inshuwaransi yapanyumba ndi yamagalimoto, monga Progressive, Safeco, ndi The Hartford, kungotchulapo ochepa. Imbani Insurance.com pa 855-430-7751 kuti mudziwe zambiri zamitengo kuchokera kwa awa ndi ena othandizira.

Nkhaniyi idasinthidwa ndi chilolezo cha carinsurance.com: http://www.insurance.com/auto-insurance/home-and-auto-insurance-bundle.html