Magalimoto ogwiritsidwa ntchito bwino kwambiri kwa oyendetsa achinyamata

Kupeza galimoto ya dalaivala wanu wachinyamata kungakhale kovuta. Mukufuna chinachake chotsika mtengo, koma ndithudi, chitetezo ndi chinthu chofunika kwambiri. Nanga bwanji za chuma chamafuta? Ngati mwana wanu akuyendetsa galimoto kupita kusukulu kapena kusukulu, ntchito yanthawi yochepa komanso kunyumba za anzanu, mwina simukufuna kudya mafuta ambiri, makamaka ndi mitengo yamafuta yomwe imakhala yokwera kwambiri. Ngati mukuyang’ana magalimoto abwino kwambiri oyendetsa achinyamata, Bankrate ikhoza kukuthandizani. Gulu lathu lokonza za inshuwaransi lachita kafukufuku wambiri ndipo lapeza kuti magalimoto asanu ogwiritsidwa ntchito ndi abwino kwambiri.

Magalimoto abwino kwambiri kwa oyendetsa achinyamata

Kuti tipeze magalimoto abwino kwambiri a oyendetsa achinyamata, tinayamba ndi chitetezo. Kuti tiwonetsetse kuti tasankha magalimoto otetezeka, tinatembenukira ku Insurance Institute for Highway Safety (IIHS) ndi National Highway Traffic Safety Administration (NHTSA), yomwe imachita kafukufuku wambiri pa chitetezo cha galimoto. Galimoto iliyonse yathu ndi IIHS ‘Top Safety Pick. Kenako, tinayang’ana mtengo. Kutsika kwa mitengo kwafika pa msika wa magalimoto, ndipo ngakhale mitengo yatsika, idakali yokwera kuposa momwe zinalili chaka chapitacho. Ngakhale tinkakonda kunena za magalimoto osakwana $10,000, takweza mtengo woyambira mpaka $25,000 kuti tikwaniritse kukwera mtengo kwa magalimoto ogwiritsidwa ntchito masiku ano. Zambiri zamitengo zimachokera ku Kelley Blue Book, koma kumbukirani kuti mitengo yagalimoto yogwiritsidwa ntchito imasintha mwachangu ndi inflation. Tidawunikanso kuchuluka kwamafuta pagalimoto iliyonse kuti tiwerengere mitengo yamafuta osakhazikika. Kafukufuku wathu akuwonetsa kuti awa ndi magalimoto asanu abwino kwambiri kwa oyendetsa achinyamata:

1. Honda Civic (2012-2016)

Zabwino kwambiri pakugulitsanso mtengo

mtengo wapakati: $19,000 mpaka $22,000

mafuta amafuta: 31 mpaka 35 mpg

Honda Civic wakhala imodzi mwa magalimoto ang’onoang’ono ogulitsa kwambiri ku United States kwa zaka zambiri, kuphatikizapo mtengo, mawonekedwe, chitetezo, kudalirika komanso mtengo wogulitsa. Nzosadabwitsa kuti ilinso imodzi mwa magalimoto ogwiritsidwa ntchito kwambiri kwa achinyamata. The sedan anali IIHS Top Safety Pick chaka chilichonse kuyambira 2009 mpaka 2017. Civic imakhalanso ndi chuma chambiri chamafuta, ndi EPA pafupifupi mlingo wa 31 mpg mzinda / msewu waukulu. Ilinso ndi mtengo wachiwiri wotsikitsitsa wamagalimoto pamndandanda wathu ndipo imakonda kusunga mtengo wake kuti ugulitsenso.

pafupifupi mitengo yotsika Kukula kochepa kumatanthauza malo ochepa amkati
Mtengo wamphamvu wogulitsanso Kuthamanga kungawoneke ngati kukuchedwa

2. Toyota Camry (2012-2014)

Zabwino kwambiri pankhani yodalirika

mtengo wapakati: $22,000 mpaka $30,600

mafuta amafuta: 24 mpaka 28 mpg

Toyota Camry nthawi zambiri imakhala pafupi pamwamba pa mndandanda ngati imodzi mwa magalimoto abwino kwambiri kwa achinyamata komanso pakati pa magalimoto ogulitsa kwambiri m’dziko lonselo. Eni ake a Camry amakonda kumamatira ndi magalimotowa kwa nthawi yayitali, zomwe zikuwonetsa kuti magalimoto akadali odalirika. Ngakhale zitsanzo zapamwamba zitha kuwononga ndalama zoposa $25,000, ndizotheka kupeza mtundu wopanda-frills wochepera $25,000. Mafuta amtundu wa 2012 amapeza pafupifupi 28 mpg mzinda / msewu waukulu. IIHS m’gulu 2012-2014 Camrys mu Top Safety Sankhani mndandanda wake, ndi NHTSA anapereka ofanana nyenyezi zisanu zitsanzo zonse mavoti chitetezo.

Amakonda kukhala odalirika kwa nthawi yayitali Madalaivala ena amanena kuti akuyendetsa “otayirira”.
Adayikidwa pamwamba pamayeso otetezedwa Palibe njira yopatsira pamanja

3. Nissan Altima (2014 ndi atsopano)

zabwino zachitetezo

mtengo wapakati: $23,000 mpaka $34,250

mafuta amafuta: 25 mpaka 32 mpg

Aliyense Nissan Altima chitsanzo kuyambira 2014 walandira nyenyezi zisanu NHTSA chitetezo mlingo ndi IIHS Top Safety Pick. Ngakhale pamitundu yoyambira, kulumikizana kwa Bluetooth ndikuyamba injini yakutali ndizokhazikika, pomwe mitundu yoyambira 2016 kupita mtsogolo ilinso ndi kamera yowonera kumbuyo. Galimotoyo imakhala pakati pa 28 ndi 32 mpg, kutengera mtundu ndi mawonekedwe ake. Mitundu yatsopano idzawononga ndalama zambiri, ngakhale zitsanzo zakale zilipo zosakwana $25,000.

Zimaphatikizanso zida zapamwamba pamamodeli oyambira Okwera mtengo kuposa magalimoto ena pamndandanda wathu
Mayeso apamwamba achitetezo Malo ochepa pampando wakumbuyo

4. Mazda 3 (2012-2016)

Zabwino kwambiri pamabajeti ochepa

mtengo wapakati: $16,000 mpaka $27,315

mafuta amafuta: 23 mpaka 33 mpg

Mazda 3 yoyambira imayambira pafupifupi $16,000 mu 2012, ndikupangitsa kukhala galimoto yotsika mtengo kwambiri pamndandanda wathu. Ndi avareji 23 kuti 33 mpg mzinda/msewu, Mazda 3 ndi kwambiri mafuta imayenera. Mofanana ndi magalimoto ena, Mazda 3 ndi IIHS Choice for Maximum Safety koma adalandira nyenyezi zinayi zokha zisanu kuchokera ku NHTSA.

pafupifupi mitengo yotsika mpando wawung’ono wakumbuyo
Mayeso apamwamba achitetezo Kuthamanga kungakhale phokoso

5. Subaru Outback (2013-2016)

Zabwino kwa chipinda chowonjezera

mtengo wapakati: $24,000 mpaka $40,000

mafuta amafuta: 20 mpaka 28 mpg

Ngakhale ili ndi mtengo woyambira kwambiri pamndandanda wathu, Subaru Outback ikhoza kukhala chisankho chabwino ngati mukufuna kuti wachinyamata wanu akhale ndi malo ochulukirapo kapena akufunika kukoka. Ngakhale ndi yayikulu, Outback imapeza mtunda wabwino, pafupifupi 20 mpaka 28 mph/mzinda/msewu waukulu, kutengera chaka ndi phukusi lochepetsera. Kunja ndi nthawi zonse IIHS ‘Top Safety Pick ndipo ali ndi nyenyezi zisanu kuchokera ku NHTSA. Komabe, Outback yawona zokumbukira zambiri kuposa magalimoto ena pamndandanda wathu.

Malo ogona mkati kuposa magalimoto ena otchulidwa Zaka zingapo zamamodeli anali ndi kukumbukira kambiri
Kulemera kwa 3000 lbs Kukula kwakukulu (poyerekeza ndi ena omwe ali pamndandanda wathu) kungatanthauze kuwongolera pang’ono

Inshuwaransi yamagalimoto kwa achinyamata

Mitengo ya inshuwaransi yamagalimoto kwa madalaivala achichepere imakhala yokwera kuposa magulu ena amsinkhu. Izi zili choncho chifukwa madalaivala achinyamata alibe chidziwitso chochepa pamsewu, zomwe zikutanthauza kuti mwayi wochuluka wa ngozi ndi matikiti. Ngakhale mutha kulipira ndalama zambiri kwa woyendetsa wachinyamata kuposa woyendetsa wamkulu, pali njira zopezera mitengo yotsika.

Choyamba, ganizirani za galimoto yomwe mukugulira mwana wanu. Magalimoto ena ndi otsika mtengo kuposa ena mu inshuwaransi. Kupatula nthawi yofufuza ndikupempha ndalama za inshuwaransi zamagalimoto osiyanasiyana kungakuthandizeni kupeza galimoto yomwe ili yotetezeka, yodalirika, mkati mwa bajeti yanu, komanso yotsika mtengo kuti mutsimikizire. Mukhozanso kuwonanso kuchotsera kwa inshuwaransi yagalimoto, popeza makampani ambiri amapereka ndalama zapadera kwa oyendetsa achinyamata kuti athandizire kubweza ndalama zambiri. Mutha kuwonjezera kuchotsera kwabwino kwa ophunzira kapena kuchotsera maphunziro oyendetsa pamalamulo anu, mwachitsanzo.

* Miyezo ikuwonetsa ndalama zonse za achinyamata omwe ali ndi inshuwaransi pansi pa malamulo a makolo awo pagalimoto imodzi.

Mafunso Ofunsidwa Kawirikawiri

njira

Bankrate imagwiritsa ntchito Quadrant Information Services kusanthula mitengo ya 2022 ya zip code ndi zonyamulira m’maboma onse 50, ndipo mitengo ya Washington, D.C. imayesedwa potengera kuchuluka kwa anthu mdera lililonse. Mitengo yotchulidwa imachokera pa mwamuna wazaka 40, dalaivala wamkazi yemwe ali ndi mbiri yabwino yoyendetsa galimoto komanso ngongole yabwino ndi dalaivala wachinyamata wazaka 16-19 wowonjezeredwa ku ndondomekoyi. Malire otsatirawa adagwiritsidwa ntchito:

  • $ 100,000 udindo wovulaza thupi pa munthu aliyense
  • $300,000 chifukwa chovulala pa ngozi iliyonse
  • $50,000 chifukwa cha kuwononga katundu pa ngozi iliyonse
  • $ 100,000 Munthu Wovulala Wopanda Inshuwaransi Wagalimoto
  • $300,000 chifukwa chovulala kwa woyendetsa galimoto wopanda inshuwaransi pa ngozi iliyonse
  • $ 500 kuchotsera kugundana
  • $500 pakuchotsera zonse

Madalaivala athu oyambira ali ndi Toyota Camry ya 2020, amayenda masiku asanu pa sabata ndikuyendetsa mailosi 12,000 pachaka.

Izi ndi zitsanzo za mitengo ndipo ziyenera kugwiritsidwa ntchito poyerekezera.

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