Ziningana izici ezithinta izindleko zokuqinisekisa iloli lebhokisi. Ubukhulu beloli yisici sokuqala. Iloli lamabhokisi angama-26 lizoba neprimiyamu ephezulu kunelincane. Isici sesibili inani leloli. Okusha iloli izobiza ngaphezulu ukuze umshwalense kunomdala. Isici sesithathu ukusetshenziswa kweloli. Uma iloli lisetshenziselwa izinjongo zebhizinisi, umshwalense uzobiza kakhulu kunalapho usetshenziselwa ukusetshenziswa komuntu siqu. Isici sesine irekhodi lokushayela lomnikazi.
Irekhodi elihle lokushayela lizoholela emalini ephansi. Isici sesihlanu yindawo lapho iloli lishayelwa khona. Umshwalense uzomba eqolo uma iloli lisebenza endaweni enobugebengu obuphezulu. Okokugcina, uhlobo lwekhava oyikhethayo luzothinta izindleko zomshuwalense weloli lebhokisi. Inqubomgomo ehlanganisa konke kanye nokushayisana izobiza kakhulu kunenqubomgomo enesibopho sesikweletu kuphela.
Okuqukethwe
Ingabe Umshwalense Wamaloli Uyadingeka?
Impendulo yalo mbuzo incike ezintweni ezimbalwa. Uma uxhasa iloli ngezimali, umbolekisi uzodinga umshwalense. Uma uqashisa iloli, umqashisi naye uzodinga umshwalense. Uma usebenzisa iloli ngezinhloso zebhizinisi, kuhle ukuba ube nomshwalense. Umshwalense awuphoqelekile uma ungumnikazi weloli futhi usebenzisa izinjongo zomuntu siqu. Nokho, ukuba nomshwalense uma kwenzeka ingozi noma ukwebiwa kusewumqondo omuhle.
Imuphi Umshwalense Ongcono Kakhulu Wamaloli?
Umshwalense ongcono kakhulu wamaloli uwukukhava okubanzi nokushayisana. Lo mgomo ubhekelela izindleko zokuyilungisa uma imoto yakho ilimele engozini bese ibuyisela iloli uma yebiwe. Ukwengeza ukumbozwa kwesikweletu kunqubomgomo yakho kuhle uma usebenzisa iloli ngezinjongo zebhizinisi. Lokhu kuzokuvikela uma kukhona olimalayo engozini futhi utholakale unephutha.
Isiphi Isifunda Esinomshuwalense Weloli Oshibhe Kakhulu?
Amaloli ayingxenye ebalulekile yomnotho waseMelika, futhi umshwalense wamaloli okuhweba uyizindleko ezidingekayo ezinkampanini zamaloli. Amanani ayahluka kakhulu ukusuka kwesinye nesifunda, ngakho-ke izinkampani kufanele zazi ukuthi zingayithola kuphi imali engcono kakhulu. I-Mississippi inezilinganiso eziphansi zomshwalense wamaloli ezentengiselwano e-United States. Lokhu ngokwengxenye kungenxa yemithetho kahulumeni exegayo ezinkampanini zamaloli.
Isibonelo, iMississippi ayidingi izinkampani zamaloli ukuthi zithwale umshwalense wesikweletu. Inezilinganiso eziphansi eziphansi kwezinye izinhlobo zokufakwa kunezinye izifundazwe eziningi. Ngenxa yalokho, izinkampani zamaloli e-Mississippi zingonga inani elikhulu lemali kumaphrimiyamu azo omshwalense. Uma ufuna amanani ashibhile omshwalense wamaloli ezweni, i-Mississippi indawo ongaya kuyo.
Hlobo Luni Lomshwalense Inkampani Yamaloli Eyidingayo?
Njengoba imboni yamaloli iya ngokuya ithembela kubuchwepheshe, kubalulekile ukuvikela ezingozini eziyingqayizivele ezibangelayo. Enye ingcuphe enjalo isikweletu se-inthanethi, esingaza ngezindlela ezimbalwa, okuhlanganisa ukugebenga, ukwephulwa kwedatha, kanye nephutha lesisebenzi. Uma inkampani igcina imininingwane ebucayi nge-elekthronikhi, kubalulekile ukuqinisekisa ukuvikeleka uma kwenzeka yephulwa.
Ngenhlanhla, izinqubomgomo ezimbalwa zingabhekana nale ngozi. Nakuba zingase zingadingeki ngokomthetho, zingasindisa inkampani imali eningi ngokuhamba kwesikhathi. Ngakho-ke, uma ufuna ukuvikela inkampani yamaloli kuzo zonke izingozi, kuyadingeka ukuthi ucabangele umshwalense wesikweletu se-cyber.
Ubiza Malini Umshwalense Wamaloli eCalifornia?
Abashayeli bamaloli eCalifornia bangase bazibuze ukuthi zingakanani izindleko zomshwalense wamaloli ezentengiselwano. I-premium emaphakathi esifundazweni ingu-$14,189, futhi izinqubomgomo eziningi zizowela phakathi kuka-$12,094 no-$16,563. Lawa manani athatha iloli elilodwa kanye nesikweletu, impahla, kanye nokufakwa komonakalo womzimba. Kunjalo, amaphrimiyamu azohluka kuye ngezinto ezimbalwa, njengosayizi nohlobo lweloli, imikhawulo yokukhava, kanye nokudonswa kwemali.
Nokho, kubalulekile ukuqinisekisa umshwalense owanele kungakhathaliseki isimo. Amaloli ezohwebo ayingozi; ingozi eyodwa ingabiza amashumi ezinkulungwane zamaRandi. Ukuze wonge kumaphrimiyamu, thenga futhi uqhathanise amanani avela kubadayisi bomshwalense abaningi. Ngaphezu kwalokho, ukugcina irekhodi elihle lokushayela kuyindlela engcono kakhulu yokugcina amanani ephansi.
Imuphi Umshwalense Wemoto Ongcono Kakhulu?
Ngokohlaziyo lwethu lwedatha lwakamuva, i-USAA ne-State Farm izinkampani zomshwalense wezimoto ezihamba phambili. I-USAA inamaphuzu aphezulu kakhulu kuhlolo lwethu lwamakhasimende futhi iklelisa kuqala cishe kuzo zonke izilinganiso ezincane esizihlaziyile. Iphinde ibe namanani aphansi phakathi kwabadayisi bomshwalense wezimoto ocwaningweni lwethu. I-USAA inikeza izaphulelo nezinzuzo ezingatholakali kwabanye abadayisi bomshwalense, okwenza kube ukukhetha okuhle kakhulu emindenini yamasosha nabanye abashayeli abafuna inani.
I-State Farm ingenye indlela enhle kakhulu yomshuwalense wemoto, ikakhulukazi kulabo abafuna inkampani enomlando omude wokusimama kwezezimali. I-State Farm isineminyaka engaphezu kweyi-100 isebhizinisini futhi ihlezi ibalwa phakathi kwabadayisi bomshwalense abaphezulu ocwaningweni lwethu. Nakuba inganikezi izaphulelo eziningi njenge-USAA, ihlinzeka ngezici ezihlukile njengokuthethelela ngengozi kanye nezimali ezidonswayo ezinyamalalayo. Kokubili i-USAA ne-State Farm yizinqumo ezinhle kakhulu zomshwalense wemoto ongcono kakhulu.
Isiphetho
Inqubomgomo yomshwalense weloli yebhokisi iyadingeka kunoma yiliphi ibhizinisi elingumnikazi nelisebenzisa iloli lebhokisi. Izindleko zomshwalense zizohluka kuye ngezinto ezimbalwa, okuhlanganisa usayizi nohlobo lweloli, imikhawulo yokukhava, kanye ne-deductible. Kodwa-ke, izinqubomgomo eziningi zizobiza phakathi kuka-$12,094 no-$16,563 ngonyaka. Ukuze uthole amanani angcono kakhulu, thenga futhi uqhathanise izingcaphuno ezivela kubadayisi bomshwalense abaningi.
