Pehea e loaʻa ai kahi hōʻaiʻē ʻinikua kaʻa
Nā mea
ʻO ka 'inikua kaʻa kekahi o nā mea nui o ka noho kaʻa. Kōkua kekahi kulekele ʻinikua e pale iā ʻoe inā loaʻa iā ʻoe kahi pōʻino a i ʻole ka pōʻino o kāu kaʻa ʻoiai ʻaʻole ʻoe i loko. ʻAʻole pono wale ka ʻinikua kaʻa, akā koi ʻia e ke kānāwai ma ka hapa nui o nā mokuʻāina.
No ka mea pono ʻoe e hōʻoia i kāu kaʻa, he mea nui ke kūʻai aku a ʻike i ke kumukūʻai a me ka hoʻolālā e kūpono iā ʻoe. ʻOkoʻa ke kumukūʻai o kahi kulekele ʻinikua kaʻa ma muli o kou makahiki, kahi a me ke ʻano o ka kaʻa, a me ka hui āu e loaʻa ai ka ʻinikua a me ke ʻano o ka uhi āu e makemake ai e kiʻi. No ka hoʻohana maikaʻi ʻana i kāu kālā, pono ʻoe e kiʻi i nā huaʻōlelo mai nā hui ʻinikua like ʻole e ʻike pono ʻoe e ʻike i ka hoʻolālā e kūpono loa iā ʻoe, kāu kālā, a me kāu kaʻa.
Mahele 1 o 2: E hōʻiliʻili i ka ʻike āu e pono ai
KaʻAnuʻu Hana 1: Loaʻa i ka ʻike Keaukaha. E hōʻiliʻili i nā ʻike āpau e pili ana i ka mea hoʻokele.
No ka loaʻa ʻana o kahi ʻōlelo, pono ʻoe i ka ʻike kumu e pili ana i nā mea hoʻokele e hoʻopaʻa ʻia ma lalo o ka hoʻolālā. ʻO ka mea maʻamau ka inoa piha a me ka lā hānau. Inā hoʻolālā ʻoe e uhi i kāu hoa a keiki paha e kahi hoʻolālā ʻinikua kaʻa, pono ʻoe i kā lākou ʻike.
KaʻAnuʻu 2: E kiʻi i ka ʻike kaʻa. E hōʻiliʻili i nā ʻike kumu a pau e pili ana i ke kaʻa āu e hoʻokele nei.
Inā makemake ʻoe e loaʻa kahi ʻinikua, pono ʻoe e ʻike i ka makahiki, hana a me ke ʻano o kāu kaʻa. Inā ʻaʻole ʻoe ʻike i kēia ʻike, hiki iā ʻoe ke loaʻa iā ia ma ka puke a ka mea nona kāu kaʻa, aia i loko o ke keʻena mīkina lima.
Nui nā ʻoihana ʻinikua e koi aku i kāu helu ʻike kaʻa ma mua o ka hāʻawi ʻana iā ʻoe i kahi hāʻawi, no laila e ʻike pono ʻoe i kēia helu.
- Nā hanaA: Inā ʻaʻole ʻoe ʻike i ka helu ʻike kaʻa, hiki iā ʻoe ke loaʻa ia ma ka ʻaoʻao o ka mea hoʻokele o ka dashboard kahi e hoʻopili ai ka dashboard i ka pale makani. ʻIke maʻalahi ka helu ma waho o ke kaʻa, ma o ka pale makani.
KaʻAnuʻu Hana 3: E kiʻi i ka helu kuhi pololei no kāu hale kaʻa. E kiʻi i ka code zip o ka hale kaʻa.
Pono ʻoe e hāʻawi i ka hui ʻinikua me kahi code zip i mea e loaʻa ai kahi ʻōlelo. Pono kēia zip code mai ka hale kaʻa kahi e paka ai kāu kaʻa i ka hapa nui o ka manawa ke hoʻohana ʻole ʻia.
Inā he nui kou mau hale noho, a inā paha e paka pinepine kāu kaʻa ma nā hale like ʻole, e koho i ke code zip o kou wahi noho nui.
Mahele 2 o 2. E kiʻi i kahi hāʻawi mai kahi hui ʻinikua
KaʻAnuʻu 1. E ho'āʻo i nā hui 'inikua hui.. E kiʻi i nā huaʻōlelo mai nā hui ʻinikua kaʻa nui.
E komo i loko o nā pūnaewele o nā mea hoʻolako kaʻa kaʻa nui e like me Geico, State Farm, Progressive, a me Allstate.
E ʻimi i ka ʻāpana ʻinikua pūnaewele ma kāu pūnaewele a kaomi ma luna. E hoʻokomo i ka ʻike hoʻokele a me ke kaʻa a hoʻouna i kahi noi no kahi ʻōlelo ʻinikua. I loko o kekahi mau lā e loaʻa iā ʻoe kahi hāʻawi ma ka leka uila a i ʻole ma ka leka uila.
Inā makemake ʻoe i kahi ʻōlelo wikiwiki a i ʻole hiki iā ʻoe ke nīnau i nā nīnau e pili ana i nā koho kulekele like ʻole, e ʻoluʻolu e kelepona a kipa i kou keʻena kūloko o kēia mau ʻinikua.
KaʻAnuʻu 2. E ho'āʻo i nā hui 'inikua kūʻokoʻa kūloko.. E kiʻi i nā huaʻōlelo mai nā hui ʻinikua kaʻa kūʻokoʻa kūloko.
Hiki i nā ʻoihana ʻinikua liʻiliʻi ke hāʻawi i nā kumukūʻai ʻoi aku ka maikaʻi o ka lawelawe ʻana i nā mea kūʻai aku.
E hana wikiwiki i ka huli Google a i ʻole e nānā i kāu puke kelepona e ʻimi i nā hui ʻinikua kaʻa kūʻokoʻa ma kou kūlanakauhale. E komo i loko o kā lākou pūnaewele, e kelepona iā lākou a i ʻole e kipa i ko lākou keʻena, e hāʻawi i kāu ʻike hoʻokele a me kāu kaʻa, a loaʻa i kahi hāʻawi mai iā lākou.
- Nā hanaA: ʻAʻole pono ʻoe e hāʻawi i ka ʻike hoʻopiʻi i ka wā e loaʻa ai kahi hāʻawi ʻinikua kaʻa. Inā noi kahi pūnaewele i kāu helu mālama ola, kāu helu kāleka hōʻaiʻē, a i ʻole kāu ʻike moʻokāki panakō, ʻaneʻane he scam ia a ʻaʻole pono ʻoe e hoʻomau i ka hoʻohana ʻana i kēlā pūnaewele.
KaʻAnuʻu Hana 3: E ʻimi i ka hana maikaʻi loa. E ʻimi a kūkākūkā i ka hāʻawi maikaʻi loa mai nā huaʻōlelo i hāʻawi ʻia.
Ke loaʻa iā ʻoe kāu mau ʻōlelo ʻinikua kaʻa āpau, e hele ma o lākou e ʻike i nā hui e hāʻawi i nā koho maikaʻi loa no ʻoe a me kāu kālā.
Inā loaʻa iā ʻoe kekahi mau koho hoʻokūkū, e hoʻāʻo e kelepona i nā hui a kūkākūkā i kahi kumukūʻai ʻoi aku ka maikaʻi. Ke loaʻa iā ʻoe ka manawa e hoʻohana pono ai i ka hāʻawi ʻana a ka mea hoʻokūkū, hiki iā ʻoe ke hana i kahi kumukūʻai maikaʻi aʻe no kāu kulekele.
- Nā hana: I ke koho ʻana i kahi kulekele inikua, e hoʻolohe mau i ka deductible. ʻO ka ʻimi ʻana i ka unuhi kūpono no kāu kālā he mea nui loa ia o ke koho ʻana i kahi kulekele inikua. He mea hoʻowalewale paha ke koho ʻana i ke kulekele haʻahaʻa loa āu e loaʻa ai, akā hiki mai paha me kahi unuhi nui, hiki ke pilikia inā ʻaʻole ʻoe i ke kālā i mālama ʻia.
ʻO ke koho ʻana i ke kulekele ʻinikua kūpono hiki ke mālama iā ʻoe i nā haneli kālā i ka makahiki. ʻO ka mea pōmaikaʻi, liʻiliʻi ka manawa e loaʻa ai nā ʻōlelo. Inā ʻoe e hahai i kēia mau ʻanuʻu, hiki iā ʻoe ke loaʻa i nā huaʻōlelo ʻinikua kaʻa me ka wikiwiki a me ka maʻalahi, e kōkua ana iā ʻoe e ʻimi i ka mea hāʻawi a me nā mākaʻi i kūpono no ʻoe a me kāu ʻeke. E mālama pono i kāu kaʻa i ka papa hana mālama mau no ka mālama pono ʻana i kāu kaʻa.
