Momwe mungawerengere mtengo wotsika wagalimoto yanu
Zamkatimu
Chifukwa chachikulu chomwe munthu amafunikira kuwerengera mtengo wocheperako wagalimoto ndikulemba chiwongola dzanja cha inshuwaransi pakachitika ngozi. Mwachibadwa, ngati galimotoyo siingathenso kuyendetsedwa kapena kuwononga kwambiri zodzoladzola, sizofunika kwambiri.
Mosasamala kanthu za amene ali wolakwa, kaya kampani yanu ya inshuwaransi kapena munthu wina ali ndi thayo la kukubwezerani mtengo wa galimoto yanu, kuli m’chidwi cha kampani ya inshuwalansi kuŵerengera mtengo wotsikitsitsa wa galimoto yanu.
Makampani ambiri a inshuwaransi amagwiritsa ntchito chiŵerengero chotchedwa "17c" kuti adziwe mtengo wa galimoto yanu pambuyo pa ngozi. Fomu iyi idagwiritsidwa ntchito koyamba pamilandu yaku Georgia yokhudzana ndi sovkhoz ndipo imatengera dzina lake pomwe idawonekera m'mabuku amilandu amilanduyo - ndime 17, gawo c.
Fomula 17c idavomerezedwa kuti igwiritsidwe ntchito pankhaniyi, ndipo sizinatenge nthawi kuti makampani a inshuwaransi atengere chizolowezi chopeza zinthu zotsika kwambiri pogwiritsa ntchito kuwerengera uku. Chotsatira chake, ndondomekoyi yakhala ikuvomerezedwa kwambiri ngati inshuwaransi, ngakhale kuti idagwiritsidwa ntchito pa mlandu umodzi wowonongeka ku Georgia.
Komabe, pakagwa ngozi, mudzapindula kwambiri ndi nambala yotsika mtengo kwambiri. Ichi ndichifukwa chake ndikofunikira kudziwa momwe kampani ya inshuwaransi yomwe imakulipirani ndalama zomwe mungafune kuti ipeze mtengo wagalimoto yanu komanso mtengo wake weniweni ngati mutaigulitsa momwe ilili. Ngati, mutatha kuwerengera mtengo wochepetsedwa wa galimoto yanu m'njira zonse ziwiri, mutapeza kusiyana kwakukulu pakati pa manambala, mukhoza kukambirana bwino.
Njira 1 mwa 2 Gwiritsani ntchito Equation 17c kuti mudziwe momwe makampani a inshuwaransi amawerengera mtengo wochepetsedwa.
Gawo 1: Dziwani mtengo wogulitsa galimoto yanu. Mtengo wogulitsidwa kapena wamsika wagalimoto yanu ndi ndalama zomwe NADA kapena Kelley Blue Book zimatsimikizira ngati galimoto yanu ndiyofunika.
Ngakhale kuti iyi ndi chiwerengero chomwe anthu ambiri angachione kuti ndi choyenera, sichiganizira momwe mtengo wake umasiyana malinga ndi dziko ndi dziko, komanso zinthu zina. Nambala yopezedwa motere siilinso ndi chidwi cha kampani ya inshuwaransi.
Kuti muchite izi, pitani patsamba la NADA kapena Kelley Blue Book ndikugwiritsa ntchito wizard yowerengera. Muyenera kudziwa momwe galimoto yanu imapangidwira, mtunda wake, komanso lingaliro labwino la kuchuluka kwa kuwonongeka kwa galimoto yanu.
Khwerero 2: Ikani malire a 10% pamtengo uwu.. Ngakhale mu mlandu wa State Farm Claims ku Georgia, womwe unayambitsa ndondomeko ya 17c, palibe chifukwa chomwe 10% ya mtengo woyambirira wotsimikiziridwa ndi NADA kapena Kelley Blue Book imachotsedwa pokhapokha, koma izi ndizo malire omwe makampani a inshuwalansi akupitirizabe kugwiritsa ntchito.
Chifukwa chake, chulukitsani mtengo womwe mwapeza ndi NADA kapena Kelley Blue Book calculator ndi 10. Izi zimakhazikitsa kuchuluka kwa ndalama zomwe kampani ya inshuwaransi ingakulipire pakufunsira galimoto yanu.
Gawo 3: Ikani chochulukitsa zowonongeka. Chochulukitsachi chimasintha kuchuluka komwe mudalandira pomaliza potengera kuwonongeka kwa galimoto yanu. Pankhaniyi, chochititsa chidwi, kuwonongeka kwa makina sikuganiziridwa.
Izi zimachitika chifukwa chofuna kusintha kapena kukonza zida zamagalimoto; kampani ya inshuwalansi imangophimba zomwe sizingakonzedwe ndi gawo latsopano.
Ngati mukuganiza kuti izi ndi zosokoneza, zili choncho ndipo sizikulipirani mtengo wotayika wogulitsidwa. Tengani nambala yomwe muli nayo mu sitepe yachiwiri ndikuchulukitsa ndi nambala iyi yomwe ikufotokoza bwino kuwonongeka kwa galimoto yanu:
- 1: kuwonongeka kwakukulu kwamapangidwe
- 0.75: kuwonongeka kwakukulu kwamapangidwe ndi gulu
- 0.50: kuwonongeka kwapang'onopang'ono komanso mawonekedwe
- 0.25: Zowonongeka zazing'ono zamapangidwe ndi gulu
- 0.00: palibe kuwonongeka kwamapangidwe kapena kusinthidwa
Khwerero 4: Chotsani Mtengo Wowonjezereka wa Makilomita Agalimoto Yanu. Ngakhale zili zomveka kuti galimoto yokhala ndi mailosi ochulukirapo imakhala yocheperapo kuposa galimoto yomweyi yokhala ndi mailosi ochepa, mawonekedwe a 17c amawerengera kale mtunda pambewu monga momwe NADA kapena Kelly Blue Book yatsimikizira. Tsoka ilo, makampani a inshuwaransi amachotsa mtengo wa izi kawiri, ndipo mtengo wake ndi $0 ngati galimoto yanu ili ndi mailosi opitilira 100,000 pa odometer.
Chulukitsani nambala yomwe muli nayo mu sitepe yachitatu ndi nambala yofananira pamndandanda womwe uli pansipa kuti mupeze mtengo wotsikirapo wagalimoto yanu pogwiritsa ntchito fomula 17c:
- 1.0: 0-19,999 mailosi
- 0.80: 20,000-39,999 mailosi
- 0.60: 40,000-59,999 mailosi
- 0.40: 60,000-79,999 mailosi
- 0.20: 80,000-99.999 mailosi
- 0.00: 100,000+
Njira 2 mwa 2: Werengani mtengo weniweni wotsitsidwa
Gawo 1: Werengetsani mtengo wagalimoto yanu isanawonongeke. Apanso, gwiritsani ntchito chowerengera patsamba la NADA kapena Kelley Blue Book kuti muyerekeze mtengo wagalimoto yanu isanawonongeke.
Khwerero 2: Werengani mtengo wagalimoto yanu itawonongeka. Makampani ena azamalamulo amachulukitsa mtengo wa Blue Book ndi 33 ndikuchotsa ndalamazo kuti apeze mtengo womwe ukuyembekezeka pambuyo pa ngozi.
Fananizani mtengo uwu ndi magalimoto ofanana ndi mbiri ya ngozi kuti mupeze mtengo weniweni wagalimoto yanu. Tinene pankhaniyi, magalimoto ofanana pamsika amawononga pakati pa $8,000 ndi $10,000. Mungafune kuonjezera mtengo woyerekeza ngozi itachitika mpaka $9,000.
Khwerero 3: Chotsani mtengo wa galimoto yanu pambuyo pa ngozi pamtengo wa galimoto yanu ngozi isanachitike.. Izi zidzakupatsani chiŵerengero chabwino cha mtengo weniweni wamtengo wapatali wa galimoto yanu.
Ngati mitengo yotsika yomwe yatsimikiziridwa ndi njira zonsezi ndi yosiyana kwambiri, mutha kulumikizana ndi kampani ya inshuwaransi yomwe ikukulipirani chifukwa chakutaya kwagalimoto yanu chifukwa cha ngoziyo. Dziwani, komabe, kuti izi zitha kuchepetsa chiwongola dzanja chanu cha inshuwaransi ndipo mungafunike kubwereka loya kuti muchite bwino. Pamapeto pake, muyenera kusankha ngati nthawi yowonjezereka ndi zovuta zili zoyenera ndikusankha moyenerera.
