Hore na mokitlane o mobe o ama litefiso tsa inshorense ea koloi hakae
Tse ka hare
- Kamoo Likhamphani tsa Inshorense li Sebelisang Sekolo sa Hao sa Mokitlane
- Histori e mpe ea mokitlane e ka eketsa haholo litefiso tsa inshorense ea koloi.
- Kamoo Bankruptcy e Amang Litefiso tsa Inshorense ea Auto
- Lintlha Tse Amang Khakanyo ea Inshorense ea Koloi ea Hao
- Mekhoa ea ho ntlafatsa boleng ba inshorense ea koloi
Histori e mpe ea mokitlane e etsa hore ho be thata ho fumana kalimo ea koloi kapa khiriso ea koloi, hape e etsa hore ho be thata ho fumana inshorense ea koloi. Lik'hamphani tse ling tsa inshorense ea koloi li tla eketsa sekhahla sa inshorense ea koloi haeba u na le mokitlane o mobe, ha ba bang ba na le bonolo ho ba nang le mokitlane o mobe, ho tšoana le kamoo lik'hamphani tsa karete ea mokitlane li tšoarang bareki ka mokitlane o mobe. Lintlha tsa mokoloto li ama likalimo tsa likoloi, likarete tsa mekoloto, likalimo tsa ntlo, esita le mosebetsi.
| Lintlha tsa mokoloto oa FICO | |
|---|---|
| Ak'haonte | Lintlha |
| 760 - 850 | Ka ho phethahetseng |
| 700 - 759 | Hona joale |
| 723 | Karolelano ea lintlha tsa FICO |
| 660 - 699 | E ntle |
| 687 | Karolelano ea lintlha tsa FICO |
| 620 - 659 | Ha e ntle |
| 580 - 619 | Ha e ntle |
| 500 - 579 | E mpe haholo |
Sheba lintlha tsa hau tsa mokitlane kapa FICO ka webosaete e kang Credit Karma kapa WisePiggy. Ba fana ka mokhoa oa mahala oa ho bona lintlha tse baloang ke setsi sa mekitlane, hammoho le litlaleho tsa mekitlane tseo e thehiloeng ho tsona.
Kamoo Likhamphani tsa Inshorense li Sebelisang Sekolo sa Hao sa Mokitlane
Lik'hamphani tse ngata tsa inshorense li nka histori ea mokoloto e le ntlha ea bohlokoa bakeng sa ho beha litefiso tsa inshorense ea koloi le ea lehae. Linaha tsohle ntle le California, Massachusetts le Hawaii li lumella li-insurers ho lekola nalane ea mokoloto. Lik'hamphani tsa inshorense li sebelisa khopolo ea hore batho ba lefang likoloto tsa bona ka nako ba lefisa chelete e tlaase 'me ba theko e tlaase ho feta ba lefang ka mor'a nako.
Leha ho le joalo, lik'hamphani tsa inshorense ha li ele hloko lintlha tsa mokitlane tse tšoanang le tsa ba alimang - li sebelisa lintlha tse etselitsoeng tsona ka ho khetheha. Lintlha tsa mokitlane tse sebelisoang ke ba alimang li bolela esale pele bokhoni ba hau ba ho lefa sekoloto, ha lintlha tsa inshorense ea mokitlane li bolela esale pele hore na u tla kenya kopo.
Histori e mpe ea mokitlane e ka eketsa haholo litefiso tsa inshorense ea koloi.
Linaheng tse 47 moo lintlha tsa hau tsa mokitlane li ka amang litšenyehelo tsa inshorense ea koloi, liphello tsa mokitlane o mobe li ka ba matla. Insurance.com e laetse Quadrant Information Services ho bapisa litefiso tse felletseng tsa khaso bakeng sa bakhanni ba nang le mekoloto e tloaelehileng kapa e betere, mekitlane e nepahetseng, le mekitlane e mebe.
| Karolelano ea phapang ea litefiso tsa inshorense tse ipapisitseng le lintlha tsa mokoloto | |||
|---|---|---|---|
| Khamphani ea Inshorense | Sekhahla se setle sa inshorense ea mokoloto | Karolelano ea sekhahla sa inshorense ea mokoloto | Sekhahla se fosahetseng sa inshorense ea mokitlane |
| Polasi ea Naha | $563 | $755 | $1,277 |
| Allstate | $948 | $1,078 | $1,318 |
Karolelano ea phapang lipakeng tsa ho ba le mekoloto e ntle le e khotsofatsang e ne e le 17% naheng ea Amerika. Phapang pakeng tsa ho ba le mokoloto o motle le o mobe e ne e le 67%.
Lintlha tsa hau tsa mokoloto li kanna tsa ama tefo e tlase eo k'hamphani ea inshorense e e hlokang le likhetho tse fumanehang ho uena.
Kamoo Bankruptcy e Amang Litefiso tsa Inshorense ea Auto
Ho phatlalatsa ho putlama ho ka ama inshorense ea hau, empa ke bokae ho latela lintlha tsa mokoloto tseo u neng u e-na le tsona pele u putlama. Haeba u na le inshorense 'me u tsoela pele ho lefa kamehla, ha ho bonolo hore u bone keketseho ea sekhahla ha inshorense ea hau e nchafatsoa, le hoja lik'hamphani tse ling li tla hlahloba histori ea hau ea mokitlane hang ka selemo. Joalo ka lintlha tse tlase tsa mokoloto, ho putlama ho ka lebisa litheko tse phahameng.
Bankruptcy e tla lula e lematsa mokoloto oa hau mme e tla lula nalaneng ea hau ho fihlela lilemo tse 10. Lilemong tsena, lik'hamphani tsa inshorense ea koloi tse sebelisang mokitlane e le karolo ea tlhahlobo ea kotsi ea tsona li ka eketsa sekhahla sa hau kapa tsa hana ho u fa litefiso tse tlaase ka ho fetisisa tse fumanehang. Haeba u reka leano le lecha ka mor'a ho putlama, u ka fumana hore lik'hamphani tse ling li ke ke tsa u fa quote.
Lintlha Tse Amang Khakanyo ea Inshorense ea Koloi ea Hao
Likhamphani tsa inshorense li re lintlha tsa bohlokoa ka ho fetisisa bakeng sa lintlha tse ntle tsa inshorense tse thehiloeng mokolotong ke nalane e telele ea mokoloto, litefo tse fokolang tsa morao kapa liakhaonto tsa botlokotsebe, le liakhaonto tse bulehileng tsa mekitlane tse maemong a matle.
Litsietsi tse tloaelehileng li kenyelletsa litefo tsa morao-rao, litefiso, maemo a holimo a likoloto, palo e phahameng ea lipotso tsa kalimo, le nalane e khuts'oane ea mokoloto. Chelete ea hau, lilemo, morabe, aterese, bong le boemo ba lenyalo ha li balehele lintlha tsa hau.
Tšebeliso ea mokitlane ho beha li-premium ho na le likhang. Babuelli ba bang ba bareki ba re e otla ka leeme batho ba fumanang chelete e tlase kapa ba lahlehetsoeng ke mesebetsi - batho ba hlokang inshorense ea koloi e theko e tlaase haholo. Empa li-insurers li re, li kopantsoe le lintlha tse ling tsa litekanyetso, ho sebelisa lintlha tsa inshorense ea mokoloto ho ba thusa ho beha litefiso tse nepahetseng le tse nepahetseng.
Mekhoa ea ho ntlafatsa boleng ba inshorense ea koloi
Ho ntlafatsa lintlha tsa inshorense ea mokitlane le ho fumana li-premium tse tlase, etsa bonnete ba hore u lefa likoloto tsa hau ka nako 'me u boloke likoloto tsa hau kaofela li le boemong bo botle. Litefiso tsa morao-rao le litefiso li tla u utloisa bohloko. Beha 'me u boloke mokitlane. Ha o boloka nalane e ntle ea mokoloto, ho ba betere.
Che kapa nalane e nyane ea mokoloto e tla theola lintlha tsa hau. Se ke oa bula liakhaonto tsa mokoloto tse sa hlokahaleng. Liak'haonte tse ncha li na le mathata. Bula feela liakhaonto tsa mekitlane tseo u hlileng u li hlokang. Boloka tekanyo ea karete ea hau ea mokoloto e le tlase. Lintlha tsa inshorense li ela hloko chelete eo u e kolotang mabapi le meeli ea mokitlane oa hau. Qoba ho eketsa likarete tsa hau tsa mokoloto. Etsa bonnete ba hore tlaleho ea mokitlane oa hau e nepahetse. Phoso e ka senya akhaonto ea hau. U ka kopa likopi tsa mahala tsa litlaleho tsa hau tsa mekitlane ho tsoa mekhatlong e meraro ea naha ea tlaleho ea mekoloto ka AnnualCreditReport.com.
Ke khopolo e ntle ho fumana keletso ea lichelete ho tsoa ho setsebi haeba u hloka thuso ea ho tseba hore na u ka boloka lichelete tsa hau joang. U ka fumana thuso ea mahala kapa ea theko e tlase ho National Credit Counseling Foundation e sa etseng phaello.
Litefiso tsa inshorense ea koloi li ka 'na tsa theoha ha lintlha tsa hau tsa mokitlane li ntlafala. Bapisa liqoso tsa inshorense ea koloi nakong ea nchafatso haeba u hlokomela mokhoa o motle likhakanyong tsa hau.
Mohloli
Ke bokae mokitlane o mobe o eketsa litefiso tsa hau?
Na Bankruptcy e Ama Litefiso tsa Inshorense ea Auto?
Se U Thusang le se Utloisang Kotsi Inshorense ea Hau ea Auto
Mokhoa oa ho ntlafatsa lintlha tsa hau tsa inshorense ea koloi
Sengoliloeng sena se fetotsoe ka tumello ea carinsurance.com: http://www.insurance.com/auto-insurance/saving-money/car-insurance-for-bad-credit.html.
