Izinto Ezifanele Uzazi Ngomshuwalense Weenqwelo-moto Kubantwana

Ukunikezela izitshixo zakho kwintsholongwane yakho esandula ilayisenisi inokuyikrakra. Kwaye kunjalo. Abaqhubi abasha babhekene nengozi enkulu kwaye ngokwe-nkampani yomshuwalense uGeico, oneminyaka eli-15 ubudala abaneminyaka eyi-16 ubudala baya kufaka ingozi yemoto ngexesha lokuqala lokuqhuba.

Unokukhathazeka ngakumbi ngokukhuseleka komntwana wakho kunokuba yintoni ingozi (okanye esinye isiganeko sithuthi) esinokuyenza kwiiprimiyamu zakho ze-inshorensi. Kwaye ke, xa ungeze loo mntwana usemtsholweni womshuwalense wakho, unokuhamba uziva unqabileyo lwesitampu, njengabaselula-ngakumbi abatsha-ngabanye abantu abaxabisekileyo.

Ukuqinisekisa ukuba umntwana wakho usekhuselekile ngokuqinisekileyo unokukunceda uhlale uxolo lwengqondo, kunye ne-cash more in the wallet. Nazi izinto ezisibhozo omele wazi malunga nenthuwalense yemoto yabaselula:

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Iintsholongwane Zemvume Yomfundi Akudingeki Ufakwe kwi-Inshorensi

Nangona kunjalo, kufuneka uxelele umboneleli wakho xa umqhubi wakho osemtsha ufumene imvume yemfundi, njengoko zonke iinkampani zisingatha loo meko ngokwahlukileyo. Xa wakho umntwana ephumelela kwilayisenisi yokuqhuba ngokugcwele, uya kufuneka adluliswe, mhlawumbi kwi-inshurensi yakho okanye umgaqo-nkqubo wakhe.

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Unako Ukunika Inqwelo Yakho Imoto

Ezinye izimoto zithengisa ngakumbi ukuqinisekisa ngaphezu kwabanye-kunengqiqo, kunikezelwa ukuba kubaluleke kakhulu ukulungisa okanye ukubuyisela izithuthi ezithandekayo kunokugqithisa iminyaka elishumi. Ukuba indlu yakho ine-Lexus ka-2014, i-Civic ka-2010, kunye ne-Pontiac ka-2002, inkampani yakho yomshuwalense iya kuthatha ukuba umntwana oqhubayo uqhuba iLexus ebiza kakhulu, nangona ekwazi ukuzithenga kuphela ukuba iPontiac-kwaye baya kuhlawula ngokufanelekileyo.

Nangona kungekho zonke iinkampani zomshuwalense enikela imoto kubaqhubi abathile, uya kufuna ukuphindwa kabini ukuba ukhangele ukuba iyenayo. Ukuba kunjalo, qinisekisa ukuba umntwana wakho unikwe ixabiso elincinci leemoto, kwaye kukho i-premium ephantsi ukubonisa oko.

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Imoto esetyenzisiweyo iya kunciphisa i-Tag Yakho yentengo

Ukuthetha ngeemoto ezincinci, khuthaza umntwana wakho ukuba athenge imoto eyasetyenziswayo (okanye, ukuba uthenga enye, thatha isiluleko esifanayo) kunokuba kukho into entsha kunye nebala.

Ngokuqinisekileyo, awufuni ukubeka umntwana wakho kwisicupho sokufa, ngoko unokwenza umatshini uhlole isithuthi ngaphambi kokuba uthenge ukuze uqinisekise ukuba ukhuselekile kwaye unokwethenjelwa. Ngaphezu koko, ukuqhuba imoto ngokukhawuleza kokukhuselwa kwexabiso kukunciphisa iindleko zomshuwalense womshuwalense. Iinkqubo zokukhusela ezitsha, ezifana ne-airbags, ii-anti -ft, kunye neenkqubo zokuqhawula ngokutsha, zinganciphisa ixabiso.

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Gcina Umntwana Wakho Ngomgaqo Wakho Ukuba Unako

Kukho ukungafani nalokhu, kodwa ukuba unomgaqo-nkqubo omhle, ngokuqhelekileyo ungabizi kakhulu ukunyusa umntwana wakho kumgaqo-nkqubo wakho kunokumenza athenge i-inshorensi yakhe. Ukuba uzama ukufundisa umntwana wakho uxanduva ngokumfuna ukuba akhokhe i-inshorensi, ngoko ke kufuneka abuyisele kwakhona ngosuku lokuhlawula ngenyanga.

Ukuba umntwana wakho usemngciphekweni ophakamisa ama-premiums akho, unokumsusa kumgaqo-nkqubo kwaye umcele ukuba athenge yakhe i-coverage. Nangona kunjalo, kufuneka uphinde ukhangele imigaqo nemimiselo-ezinye iimeko zinemithetho ebonisa ukuba uya kutyunjelwa ingxowa-mali yomshuwalense, nokuba umntwana wakho unomgaqo-nkqubo wakhe.

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Khuthaza Umntwana Wakho Ukuba Aphumelele Amabanga

Isaphulelo somfundi esifanelekileyo sisona sitsho nje-intsha yakho iya kuhlawula ixabiso elincinci ukuqinisekisa ukuba ifumene amabakala amahle. Inani elipheleleyo lemali esaphulelo liyahluka ukusuka kummandla ukuya kwilizwe.

Izibalo zibonisa ukuba abatsha abafumana amanqaku angcono kwisikolo abancinci ukuba bangene engozini yemoto. Oku kuthetha ukuba aba bafundi bangengozi ophantsi, ngoko banokuhlawula ubuncinci kwi-inshurensi yemoto.

Kwezinye iinkampani zomshuwalense, ukugcinwa kokugqibela kwikholeji. Uya kufuneka ubonise ubungqina bokuba intombazana yakho igcina i-grade-point-point point-level okanye ngaphezulu okanye yenza uluhlu lwabahluleli okanye uzuko ludlulisa i-semester yangaphambili.

Ukuba akayi kufinyelela loo njongo, mkhuthaze ukuba asebenze kanzima ngokunciphisa inani elikufunayo kwi-inshurensi ukuba amabakala akhe alungile. Unokufumana isaphulelo xa umntwana wakho sele egqibile kwaye waphumelela inkqubo yokhuseleko lomqhubi ophunyeziweyo ngaphandle kwemfundo yomqhubi .

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Cinga ukuSusa ukuBambisana kunye nokuPhepha okuPhezulu

Ezi zicwangciso zinokuzikhethela. Ukuba imoto yakho yebhayisikili iqhubayo ayifanelekanga ngaphezu kwe-deductible, ke akukho sizathu sokuhlawula ii-premiums. Nangona yakho intombazana iphelele imoto, ukuhlawula i-inshorensi yakho inokuthi ingabikho iiprayimari ozikhokhe.

Enye inketho kukuqwalasela ukuphakanyiswa kwee-types of coverage. Uya kuhlawula iiprayimari ezisezantsi ngokunyusa imali ozimisele ukuyihlawula ngayo i-pocket xa imoto ikonakaliswe.

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Tshela Ikhampani Yakho Yomshuwalense Ukuba Umntwana Wakho Oya Kukholeji Ngaphandle Kwemoto

Uza kusindisa ngaphezu kwe-sanity yakho xa uba yinto engenanto. Ukuba i-adolescent yakho ihamba kwiikholeji engaphezu kweekhilomitha ezili-100 ukusuka, inkampani yomshuwalense iya kulahla iiprimiyam zakho ngokubanzi. Ingane yakho isenokuba isifikiweyo xa ifika ekhaya ngeveki-hlola umniki-inshorensi wakho malunga neenkcukacha ezithile. Kuya kufuneka ukuba unikezele ubungqina bokubhalisa kwikholejini.

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Invest Time Ithengwa Ngomgaqo-nkqubo

Ayikho yonke inkonzo yomshuwalense wemoto inika iirhafu ezifanayo. Fumana iingcaphuno kwiinkampani ezininzi ukuze ubone ukuba ngubani na ongcono kuwe nentsapho yakho. Zama iziganeko ezahlukeneyo zeengcaphuno ezahlukileyo, ezifana neyiphi imoto eyenziwa ngumntwana osemtsha (ukuba awuzange uthenge okwangoku), ukuba uthengise ikhaya kunye nokufihla imoto okanye ukuba unomdaka ophezulu kwi-car.

Into eyona nto inokumisa umntwana wakho ukuba angabangeli ngengozi ukuqhuba kwakhe okukhuselekileyo . Oko kuthetha ukuba akukho ukuthumela imiyalezo okanye ukuthetha ngomnxeba emva kwesondo, rhoqo ubeka ingqalelo kwindlela, kwaye ulandele yonke imithetho yezothutho.

Gcina ixesha elininzi ufundisa umntwana wakho ukuba aqhube njani kwaye ucinga ukuba umntwana wakho usayine isibambiso sokukhusela umqhubi wokunciphisa ingozi yengozi.