Zithunzi zosonyeza zinthu zomwe zimakhudza mtengo wa inshuwalansi ya galimoto

Ndemanga ya Inshuwalansi ya Fred Loya: Mtengo ndi Kufunika (2022)

About Fred Loya Insurance

Fred Loya Inshuwalansi inayamba kutsegula bizinesi yake mu 1974 ku El Paso, Texas. Kuyambira pamenepo, kampaniyo yakula mpaka malo opitilira 500 m’maboma a Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Nevada ndi Texas.

Maofesiwa nthawi zambiri amakhala m’malo osavuta omwe osunga malamulo amatha kupezeka pafupipafupi, kuphatikiza masitolo ogulitsa ndi maunyolo ena akulu monga:

  • 8 malo ogulitsa zakudya zazikulu
  • Cardenas
  • Fiesta Mart
  • Chakudya Chonse Fiesta
  • Liborio supermarket
  • Wapamwamba
  • Walmart Super Center

Fred Loya Othandizira

EP Loya Group, yomwe ili ndi kampani ya inshuwaransi yamagalimoto, ili ndi mabungwe ena angapo. Mabungwe ena ndi awa:

  • Rodney de Young Insurance Group
  • Kampani ya Inshuwalansi ya Loya
  • Loya Accident Insurance Company
  • Kampani ya Inshuwaransi ya Young America

Mitengo ya inshuwaransi yapadera ya Loya ndi kuchotsera

Malinga ndi ndemanga zina, Fred Loya Inshuwalansi imakonda kupereka mitengo yampikisano kwa madalaivala omwe ali pachiwopsezo chachikulu komanso mitengo yopitilira avareji kwa oyendetsa nthawi zonse. Komabe, mitengo ya inshuwaransi yagalimoto imatha kusiyana kwambiri. Mitengo yoperekedwa ndi kampani ya inshuwaransi kwa mnansi wanu ingasiyane ndi mitengo yomwe amapereka.

Mtengo wa inshuwaransi yagalimoto

Malipiro a inshuwaransi yagalimoto amasiyana chifukwa makampani a inshuwaransi amawasintha malinga ndi mitundu ina. Zina mwazinthu zomwe zimakhudza kwambiri ndi izi:

  • Mbiri yoyendetsa: Anthu omwe ali ndi mbiri yabwino yoyendetsa galimoto adzatha kupeza mitengo yotsika kwambiri. Ngozi zilizonse kapena kuphwanya malamulo nthawi zambiri kumabweretsa malipiro apamwamba.
  • zaka: Madalaivala achichepere, makamaka achinyamata, amakonda kulipira ndalama zambiri kuposa madalaivala azaka zapakati.
  • Mulingo woyeneraM’maboma omwe makampani a inshuwaransi amatha kugwiritsa ntchito ziwongola dzanja ngati chinthu, madalaivala omwe ali ndi ngongole zochepa nthawi zambiri amalipira mitengo yokwera kwambiri.
  • Tsamba: Mitengo imasiyana kuchokera kumayiko kupita kumayiko, komanso imasiyana m’maboma kutengera zomwe zingayambitse ngozi.
  • deductibleKukwera komwe mumayika deductible, kapena ndalama zomwe mumalipira kuchokera m’thumba kuti mutayika, ndizotsika mtengo zomwe mumalipira.
  • ngoloMtundu wa galimoto, mtengo, mtunda ndi chikhalidwe zingakhudzenso mtengo wa malipiro a inshuwalansi ya galimoto.
  • Banja: Makampani ena a inshuwaransi akhoza kusintha mitengo yanu kutengera ngati mwakwatirana kapena ayi.

Loya Insurance kuchotsera

Patsamba lake, Fred Loya Inshuwalansi samatchula kuchotsera kulikonse. Izi sizikutanthauza kuti kampaniyo sipereka kalikonse, koma makampani ambiri a inshuwaransi amalemba ochepa pa intaneti. Mutha kufunsa wothandizira inshuwaransi kwanuko ngati kampaniyo ikupereka kuchotsera pa inshuwaransi yamagalimoto.

Fred Loya’s car insurance coverage

Zikafika pakuphimba magalimoto, Fred Loya Inshuwaransi ili ndi zosankha zochepa. Kampani ili ndi malamulo oti ikwaniritse zomwe zikufunika kuti zitheke kumayiko omwe ikugwirira ntchito. Lilinso ndi zina muyezo Kuphunzira chofunika kulenga zonse Kuphunzira mfundo.

Nawu mndandanda wazinthu zodziwika bwino komanso zomwe amaphimba:

Unique Loya Insurance Review

Fred Loya Inshuwalansi F mlingo. Kuchokera ku Better Business Bureau (BBB). Ngakhale zili choncho kwa makampani ena akuluakulu a inshuwaransi omwe adalandira ndemanga zabwino kuchokera ku gulu lathu, kampaniyo ili ndi mbendera zina zofiira. Mu 2012, Dipatimenti ya Inshuwalansi ya ku Texas inalipira kampani ya Inshuwalansi ya Fred Loya chifukwa cha machitidwe ake achinyengo amalonda.

Bungwe la National Association of Insurance Commissioners (NAIC) Company Complaints Index ndi 2.4. Izi zikutanthauza kuti Fred Loya Inshuwalansi ali ndi ndondomeko yodandaula ya 2.4 nthawi zomwe NAIC imati zikhoza kuyembekezera pamsika.

Pakati pa makasitomala patsamba la BBB, Gulu la Inshuwaransi la Fred Loya lili ndi nyenyezi 1.0 mwa 5.0 ndipo palibe malingaliro abwino. Ndemanga zolakwika za kampaniyo zimakonda kutchula zovuta zamalumikizidwe, makamaka panthawi yofunsira. Komabe, madandaulo ambiri mu dipatimenti yowunikira makasitomala anali ochokera kwa anthu omwe adachita ngozi ndi madalaivala omwe ali ndi inshuwaransi ya Fred Loya osati osunga malamulowo.

Fred Loya Inshuwalansi: Mapeto

Ndizovuta kwa mamembala a gulu lowunika za Home Media kuti apangire inshuwaransi ya Fred Loya kwa wina aliyense kupatula oyendetsa omwe ali pachiwopsezo omwe amafunikira chithandizo. Pakati pa chindapusa chomwe boma la boma limapereka chifukwa chakuchita bizinesi komanso malingaliro oyipa pakati pa makasitomala ndi mabungwe omwe amawongolera makampani, madalaivala ambiri atha kupeza chithandizo kuchokera kwa omwe amapereka bwino.

*Mavoti amasankhidwa ndi gulu lathu lowunikira. Dziwani zambiri za njira yathu yogolera pansipa.

Njira zina za inshuwaransi zamagalimoto

Ngakhale sitingathe kulangiza inshuwalansi ya Fred Loya kwa onse koma oyendetsa ochepa, pali makampani angapo omwe timalimbikitsa. Nthawi zonse ndi lingaliro labwino Yerekezerani mitengo ya inshuwalansi ya galimoto kuchokera kwa opereka angapo. Gulu lathu likupereka malingaliro oyambira ndi makampani otsatirawa:

State Farm: Chosankha cha Mkonzi

Mu kafukufuku wathu wa inshuwaransi yamagalimoto wa 2022, State Farm idalandira zigoli zapamwamba kwambiri komanso Mphotho ya Editor’s Choice. Kampani yayikulu kwambiri ya inshuwaransi mdziko muno imapereka chithandizo chambiri komanso kuchotsera zambiri. State Farm ndi njira yabwino kwambiri kwa mabanja omwe ali ndi madalaivala ang’onoang’ono, popeza kampaniyo imapereka zochotsera zingapo zomwe zingathandize kuchepetsa mtengo wokwera wa inshuwaransi yawo.

Werenganibe: Ndemanga ya inshuwaransi ya boma

Geico: Yotsika mtengo kwa madalaivala ambiri

Pa kafukufuku wathu wa inshuwaransi, gulu lathu lidazindikira kuti Geico imapereka chithandizo chotsika mtengo kwambiri kwa madalaivala m’dziko lonselo. Pakati pa mitengo yotsika kwambiri komanso kuchotsera kosiyanasiyana, ngakhale njira zina zowonjezera monga inshuwaransi yolephera kuchitapo kanthu zitha kukhala zotsika mtengo. Iwo omwe akufunafuna inshuwaransi yagalimoto yotsika mtengo ndiomwe angaipeze ku Geico.

Werenganibe: Geico تأمين Ndemanga ya Inshuwaransi

njira yathu

Chifukwa ogula amadalira ife kuti tipereke zidziwitso zolondola komanso zolondola, tapanga njira yokwanira yowonera mavoti amakampani abwino kwambiri a inshuwaransi yamagalimoto. Tasonkhanitsa zidziwitso kuchokera kwa ambiri omwe amapereka inshuwaransi yamagalimoto kuyika makampani molingana ndi mavoti osiyanasiyana. Chotsatira chake chinali chiwerengero chonse cha wothandizira aliyense, ndi makampani a inshuwalansi omwe ali ndi mfundo zambiri zomwe zimabwera poyamba pamndandanda.

Nazi zinthu zomwe mavoti athu amaganizira:

  • Mtengo (30% ya digiri yonse)Kuyerekeza kwa mitengo ya inshuwaransi yamagalimoto yopangidwa ndi Quad Information Services ndi mwayi wochotsera adaganiziridwa.
  • Kufikira (30% ya zigoli zonse)Makampani omwe amapereka zosankha zosiyanasiyana za inshuwaransi amatha kukwaniritsa zosowa za ogula.
  • Mbiri (15% ya zotsatira zonse): Gulu lathu lofufuza lidaganizira gawo la msika, mavoti kuchokera kwa akatswiri amakampani, komanso zaka zabizinesi popereka chotsatirachi.
  • Kupezeka (10% ya zigoli zonse)Makampani a inshuwaransi yamagalimoto omwe ali ndi kupezeka kwambiri mdziko muno komanso zofunikira zochepa zovomerezeka ndi omwe adachita bwino kwambiri mgululi.
  • Zochitika Makasitomala (15% ya zigoli zonse): Izi zimachokera ku kuchuluka kwa madandaulo omwe NAIC adanenera komanso kukhutitsidwa kwamakasitomala zomwe zidanenedwa ndi JD Power. Taganiziranso kuyankha, ubwenzi ndi thandizo la gulu lililonse lamakampani a inshuwaransi potengera kusanthula kwathu kwa ogula.

* Kulondola kwa data panthawi yofalitsa.

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