Momwe ngongole imakhudzira mitengo ya inshuwaransi yagalimoto
Zamkatimu
- Momwe Makampani a Inshuwalansi Amagwiritsira Ntchito Ngongole Yanu
- Mbiri yoyipa yangongole imatha kukulitsa kwambiri mitengo ya inshuwaransi yagalimoto.
- Momwe Bankruptcy Imakhudzira Mitengo ya Inshuwaransi ya Magalimoto
- Zomwe Zimakhudza Kuyerekeza Kwa Inshuwaransi Yagalimoto Yanu
- Njira zowongolera kuwerengera kwa inshuwaransi yamagalimoto
Mbiri yoipa ya ngongole imapangitsa kuti zikhale zovuta kupeza ngongole ya galimoto kapena galimoto yobwereketsa, komanso zimakhala zovuta kupeza inshuwalansi ya galimoto. Makampani ena a inshuwaransi yamagalimoto amakulitsa chiwongola dzanja chanu cha inshuwaransi ngati muli ndi ngongole yoyipa, pomwe ena amakhala omasuka ndi omwe ali ndi ngongole yoyipa, monga momwe makampani a kirediti kadi amachitira ogula ndi ngongole zoyipa. Ngongole imakhudza ngongole zamagalimoto, makhadi a ngongole, ngongole zanyumba, ngakhalenso ntchito.
| Ndalama za ngongole za FICO | |
|---|---|
| Akaunti | Kuwerengera |
| 760 - 850 | Прекрасно |
| 700 - 759 | Yandikirani |
| 723 | Chigoli chapakati pa FICO |
| 660 - 699 | Zabwino |
| 687 | Chigoli chapakati pa FICO |
| 620 - 659 | Zosakhala bwino |
| 580 - 619 | Zosakhala bwino |
| 500 - 579 | Zoipa kwambiri |
Tsatani mbiri yanu ya ogula kapena kuchuluka kwa FICO kudzera patsamba ngati Credit Karma kapena WisePiggy. Amapereka njira yaulere yowonera zigoli zomwe zawerengedwa ndi ofesi ya ngongole, komanso malipoti angongole omwe amatengera.
Momwe Makampani a Inshuwalansi Amagwiritsira Ntchito Ngongole Yanu
Makampani ambiri a inshuwaransi amawona mbiri ya ngongole ngati chinthu chofunikira kwambiri pakukhazikitsa mitengo ya inshuwaransi yamagalimoto ndi nyumba. Mayiko onse kupatula California, Massachusetts ndi Hawaii amalola ma inshuwaransi kuti awone mbiri ya ngongole. Makampani a inshuwalansi amagwiritsa ntchito mfundo yakuti anthu omwe amalipira ngongole pa nthawi yake amawononga ndalama zochepa komanso zotsika mtengo kusiyana ndi omwe amalipira mochedwa.
Komabe, makampani a inshuwaransi samaganiziranso zangongole zomwe zimafanana ndi omwe amabwereketsa - amagwiritsa ntchito mavoti omwe amawapangira iwowo. Ngongole yomwe obwereketsa amagwiritsa ntchito amaneneratu kuti mutha kubweza ngongole, pomwe inshuwaransi ya ngongole imaneneratu ngati mudzapereka chiwongola dzanja.
Mbiri yoyipa yangongole imatha kukulitsa kwambiri mitengo ya inshuwaransi yagalimoto.
M'magawo 47 omwe ngongole yanu ingakhudze mtengo wa inshuwalansi ya galimoto, zotsatira za ngongole yoipa zingakhale zovuta. Insurance.com idalamula Quadrant Information Services kuti ifananize mitengo yonse ya madalaivala omwe ali ndi ngongole zambiri kapena zabwinopo, ngongole yabwino, komanso ngongole zoyipa.
| Kusiyana kwapakati pamitengo ya inshuwaransi kutengera kutengera ngongole | |||
|---|---|---|---|
| Kampani ya Inshuwaransi | Mtengo wabwino kwambiri wa inshuwaransi ya ngongole | Avereji ya inshuwaransi ya ngongole | Inshuwaransi yoyipa ya ngongole |
| Famu ya boma | $563 | $755 | $1,277 |
| Allstate | $948 | $1,078 | $1,318 |
Kusiyana kwapakati pamitengo pakati pa zabwino ndi zokhutiritsa zokongoletsedwa zinali 17% ku US. Kusiyana pakati pa zabwino ndi zoipa za creditworthiness kunali 67%.
Ngongole yanu imatha kukhudzanso kubweza komwe kampani ya inshuwaransi ikufuna komanso njira zolipirira zomwe mungapeze.
Momwe Bankruptcy Imakhudzira Mitengo ya Inshuwaransi ya Magalimoto
Kulengeza za bankirapuse kungakhudze inshuwaransi yanu, koma kuchuluka kwake kumadalira pa ngongole yomwe mudakhala nayo musanamalize. Ngati muli ndi inshuwalansi ndipo mukupitirizabe kulipira nthawi zonse, simungawone kuwonjezeka kwa chiwongoladzanja pamene inshuwalansi yanu yakonzedwanso, ngakhale makampani ena adzayang'ana mbiri yanu ya ngongole kamodzi pachaka. Monga momwe zimakhalira ndi ngongole zochepa za ngongole, kubweza ngongole kungayambitse mitengo yapamwamba.
Kutaya ndalama kumawononga nthawi zonse ngongole yanu ndipo idzakhalabe m'mbiri yanu mpaka zaka 10. M'zaka izi, makampani a inshuwalansi ya galimoto omwe amagwiritsa ntchito ngongole monga gawo la chiwopsezo chawo akhoza kuonjezera mlingo wanu kapena angakane kukupatsani mitengo yotsika kwambiri yomwe ilipo. Ngati mukugula ndondomeko yatsopano mutabweza, mungapeze kuti makampani ena sangakupatseni ndalama.
Zomwe Zimakhudza Kuyerekeza Kwa Inshuwaransi Yagalimoto Yanu
Makampani a inshuwaransi amati zinthu zofunika kwambiri zopezera inshuwaransi yabwino yotengera ngongole ndi mbiri yakale yangongole, kubweza mochedwa kapena maakaunti amilandu, komanso kutsegulira maakaunti angongole pamalo abwino.
Zoyipa zenizeni ndi monga kubweza mochedwa, chindapusa, kuchuluka kwangongole, kuchuluka kwa mafunso obwereketsa, ndi mbiri yayifupi yangongole. Ndalama zomwe mumapeza, zaka zanu, fuko lanu, adilesi yanu, jenda, komanso momwe mungakhalire m'banja sizikutengera zomwe mukufuna.
Kugwiritsiridwa ntchito kwa ngongole kuyika malipiro kumatsutsana. Othandizira ena ogula amati amalanga mopanda chilungamo anthu omwe amapeza ndalama zochepa kapena omwe ataya ntchito - anthu omwe amafunikira inshuwalansi ya galimoto yotsika mtengo kwambiri. Koma ma inshuwaransi amati, kuphatikiza ndi zina zowerengera, kugwiritsa ntchito inshuwaransi ya ngongole kumawathandiza kukhazikitsa mitengo yolondola komanso yoyenera.
Njira zowongolera kuwerengera kwa inshuwaransi yamagalimoto
Kuti muwongolere kuchuluka kwa inshuwaransi yanu yotengera ngongole ndikupeza ndalama zochepa, onetsetsani kuti mukulipira mabilu anu munthawi yake ndikusunga mabilu anu onse ali bwino. Malipiro mochedwa ndi chindapusa zingakupwetekeni. Khazikitsani ndi kusunga ngongole. Mukasunga mbiri yabwino yangongole, zimakhala bwino.
Palibe kapena mbiri yaying'ono yangongole ingachepetse mphambu yanu. Osatsegula maakaunti angongole osafunikira. Maakaunti atsopano ambiri amawonetsa mavuto. Tsegulani maakaunti angongole okhawo omwe mumawafuna. Khadi lanu la ngongole likhale lochepa. Kuchuluka kwa inshuwaransi kumatengera ndalama zomwe muli nazo potengera malire anu angongole. Pewani kukulitsa makhadi anu a ngongole. Onetsetsani kuti lipoti lanu la ngongole ndi lolondola. Vuto likhoza kuwononga akaunti yanu. Mutha kupempha makope aulere amalipoti anu angongole kuchokera ku mabungwe atatu adziko lonse opereka malipoti angongole kudzera mu AnnualCreditReport.com.
Ndibwino kupeza upangiri wazachuma kuchokera kwa akatswiri ngati mukufuna thandizo kuti mudziwe momwe mungasungire ndalama zanu. Mutha kupeza thandizo laulere kapena lotsika mtengo kudzera ku National Credit Counseling Foundation yopanda phindu.
Mitengo yanu ya inshuwaransi yamagalimoto imatha kutsika pomwe ngongole yanu ikukula. Fananizani mawu a inshuwaransi yamagalimoto panthawi yokonzanso ngati muwona kuti zinthu zili bwino pakuyerekeza kwanu.
Zotsatira
Kodi ngongole yoyipa imakulitsa bwanji mitengo yanu?
Kodi Bankruptcy Imakhudza Mitengo ya Inshuwaransi ya Magalimoto?
Zomwe Zimakuthandizani ndi Kuvulaza Auto Inshuwalansi Yanu
Momwe mungasinthire kuchuluka kwa inshuwaransi yamagalimoto
Nkhaniyi yasinthidwa ndi chilolezo cha carinsurance.com: http://www.insurance.com/auto-insurance/saving-money/car-insurance-for-bad-credit.html.
