Momwe Mungazipeze komanso Komwe Mungazipeze (2022)

Kwa mbali zambiri, kupeza inshuwaransi yatsopano yamagalimoto kuli ngati kugula galimoto ina iliyonse. Komabe, pali tsatanetsatane, ndipo mungakhale ndi zosowa zosiyana pankhani ya inshuwaransi ya galimoto yatsopano kuposa momwe mungatetezere ngati mukuteteza yogwiritsidwa ntchito.

Ife ku gulu la Home Media Reviews tayang’ana mozama momwe mungapezere inshuwalansi ya galimoto ya galimoto yatsopano, kuchokera ku mitundu yoyambira yofikira mpaka ndalama zomwe zingakuwonongeni. Gulu lathu lalembanso mwachidule opereka chithandizo angapo omwe adalimbikitsidwa pamndandanda wathu wa 2022 Inshuwaransi yabwino yamagalimoto Comp.

Kodi inshuwaransi yamagalimoto imagwira ntchito bwanji pagalimoto yatsopano?

Yankho lalifupi ndiloti inshuwalansi ya galimoto pa galimoto yatsopano imagwira ntchito mofanana ndi galimoto iliyonse. Chomwe chimasiyanitsa inshuwalansi ya galimoto yatsopano ndi chakuti mungathe – ndipo nthawi zambiri muyenera – kugula musanakhale ndi galimoto. Ndi chifukwa ogulitsa ambiri ndi othandizira amafuna umboni wa inshuwaransi kuti asamutsire umwini wagalimotoyo kwa inu.

Kodi inshuwalansi ya galimoto yatsopano imayamba liti?

Ngati mudagula inshuwaransi musanatenge umwini wa galimoto yatsopano, ndondomekoyi idzayamba pamene mukuchoka pamalopo. Othandizira nthawi zambiri amafuna izi chifukwa ndizosaloledwa kuti aliyense aziyendetsa popanda inshuwaransi yagalimoto.

Mudzafunika zotsatirazi kuti muyambe inshuwalansi ya galimoto musanagule galimotoyo:

  • Mtengo wogula
  • Nambala yozindikiritsa galimoto (VIN)
  • Mauthenga anu

Othandizira ambiri a inshuwaransi yamagalimoto azitha kuyambitsa ndondomeko yanu mkati mwa maola 24. Mutha kupeza inshuwaransi ya tsiku lomwelo kuchokera kumakampani angapo a inshuwaransi yamagalimoto.

Kodi pali nthawi yachisomo ya inshuwaransi yagalimoto yatsopano?

Ngakhale zili zoona kuti simungathe kuyendetsa galimoto popanda inshuwalansi ya galimoto, makampani ena amapereka nthawi yachisomo. Iyi ndi nthawi yomwe mumaloledwa kuyendetsa galimoto yanu popanda kuyambitsa inshuwalansi yatsopano. Nthawi yachisomo imeneyi nthawi zambiri imakhala masiku asanu ndi awiri mpaka 30 kuchokera tsiku logulira.

Kudziwa ngati muli ndi nthawi yachisomo kapena ayi zimadalira zinthu zingapo, kuphatikizapo:

  • Mkhalidwe wa inshuwaransiChimodzi mwa zifukwa zomwe mumakhala ndi nthawi yachisomo ndikuti mukukonzanso inshuwalansi yanu yam’mbuyo kukhala yatsopano. Pamenepa, mitundu yanu yakale yophimba ndi malire angagwiritse ntchito mpaka mutayambitsa inshuwalansi ya galimoto yatsopano.
  • Kampani ya inshuwaransi: Ma inshuwaransi ali ndi malamulo osiyana kwambiri okhudza nthawi yachisomo. Mwachitsanzo, Progressive imalola nthawi yachisomo ya masiku 30, pomwe ena opereka chithandizo alibe nthawi yachisomo nkomwe.

Chifukwa nthawi yachisomo imasiyanasiyana kumakampani, ndikwabwino kudziwa zomwe ndondomeko yanu ingalole. Mutha kupeza izi m’mapepala abwino a mgwirizano wanu, koma zingakhale zosavuta kufunsa wothandizira inshuwalansi.

Kodi inshuwalansi ya galimoto yatsopano imawononga ndalama zingati?

Mwaukadaulo, kaya galimotoyo ndi yatsopano kapena yogwiritsidwa ntchito sizikhudza malipiro anu a inshuwaransi. Komabe, mudzaona mitengo yapamwamba ya galimoto yatsopano ngati nthawi zambiri imakhala yokwera mtengo kuposa galimoto yanu yam’mbuyo.

Malinga ndi kafukufuku wathu, mtengo wapakati wa inshuwaransi yonse yamagalimoto ndi $1,730 pachaka. Komabe, malipiro anu a inshuwaransi amatha kusiyanasiyana kutengera zinthu zaumwini komanso zagalimoto.

Kodi ndi zinthu ziti zomwe zimakhudza mitengo ya inshuwalansi ya galimoto yatsopano?

Mtengo wagalimoto yanu ndi chimodzi mwazinthu zambiri zomwe makampani a inshuwaransi amagwiritsa ntchito kuti adziwe zolipirira. Mukapanga inshuwaransi yagalimoto iliyonse, yatsopano kapena yogwiritsidwa ntchito, izi ndizomwe zimakhudzidwa kwambiri:

  • zaka: Madalaivala achichepere, makamaka oyendetsa achinyamata, nthawi zambiri amalipira ndalama zambiri kuposa madalaivala amisinkhu ina. Kutalika kwa nthawi yomwe mwakhala ndi laisensi yoyendetsa galimoto kukhozanso kukhala chifukwa, chifukwa zochitika zambiri zimatsogolera kumayendedwe oyendetsa bwino.
  • Mbiri yoyendetsa: Mbiri yabwino yoyendetsa galimoto imakupatsani mwayi wofikira mitengo yotsika kwambiri. Ngozi zilizonse, kuphwanya liwiro kapena kuyendetsa galimoto movutikira (DUI) kumatha kukulitsa ndalama za inshuwaransi zanu.
  • Mulingo woyeneraM’maboma komwe kuli kovomerezeka, makampani a inshuwaransi amalipira madalaivala omwe ali ndi ngongole zochepa kuti athe kulipidwa kuposa omwe ali ndi magiredi ambiri kapena abwino.
  • TsambaMitengo ya inshuwaransi yagalimoto imasiyanasiyana kumayiko ena, koma imasiyananso m’maiko. Anthu a mumzinda wa New York kapena m’tauni ku California kaŵirikaŵiri amalipira ndalama zambiri kuti athandizidwe kuposa madalaivala a m’madera akumidzi apafupi.
  • Banja: Makampani ena a inshuwaransi amalipiritsa madalaivala apabanja chindapusa chotsikirapo kuposa madalaivala osakwatira.
  • Mitundu yophimba: Mitundu ya inshuwalansi yomwe mumaphatikizapo mu ndondomeko yanu imapanga kusiyana kwakukulu pazomwe mudzalipira pamapeto pake. Ndondomeko zochepetsera zochepetsera nthawi zambiri zimakhala zotsika mtengo, ndipo zowonjezera zowonjezera zimakulitsa mtengo wanu.
  • Malire ofikiraMalire omwe mumayika a inshuwaransi amakhala ndi gawo lalikulu pamalipiro anu. Kawirikawiri, malipiro anu a pamwezi adzakhala otsika ngati muli ndi malire otsika.
  • deductibleDeductible yanu, yomwe ndi ndalama zomwe mudzalipire m’thumba kuti mukonzere kapena kutayika kwathunthu, zingakhudzenso malipiro anu. Nthaŵi zambiri, malipiro anu adzakhala otsika ngati muli ndi kuchotsera kwakukulu pa inshuwalansi ya galimoto yanu yatsopano.
  • Kuchotsera: Makampani ambiri a inshuwaransi amapereka kuchotsera pazomwe amapeza. Chimodzi mwazofala kwambiri ndikuchotsera kophatikizira kuphatikiza inshuwaransi yanu yamagalimoto ndi inshuwaransi zina monga eni nyumba, obwereketsa, kapena inshuwaransi ya moyo.

Ndi inshuwaransi yamtundu wanji yomwe mukufuna pagalimoto yatsopano?

Kwa mbali zambiri, simukusowa mitundu yosiyanasiyana ya inshuwalansi pa galimoto yatsopano kuposa momwe mumafunira galimoto ina iliyonse. Mitundu ndi kuchuluka kwa chithandizo chomwe mukufuna kumadalira pazinthu zina, monga komwe mukukhala komanso ngati wobwereketsa wanu ali ndi zofunikira zina ngati mutatenga ngongole yagalimoto yatsopano.

Zofunikira zochepa zoperekedwa ndi boma

Dziko lililonse lili ndi zofunikira zake za inshuwaransi. Miyezo iyi nthawi zambiri imapangidwa ndi dipatimenti yoona za magalimoto a boma (DMV) kapena bungwe lofananira, ndipo miyezo iyi nthawi zambiri imasiyana mosiyanasiyana.

Mutha kupeza zomwe dziko lanu likufuna komanso zambiri komanso malingaliro athu kwa ogulitsa otsika mtengo podina malo omwe muli pamapu omwe ali pansipa:

Mitundu yokhazikika ya inshuwaransi yagalimoto yatsopano

Zofunikira zochepa za boma pafupifupi nthawi zonse zimakhala ndi mitundu yosiyanasiyana ya inshuwaransi yamagalimoto zomwe zalembedwa pansipa.

  • Body Injury Liability InsuranceImateteza kutayika kwa malipiro ndi ndalama zachipatala kwa anthu ena pangozi yomwe yapezeka kuti ndiyolakwa.
  • Kuwonongeka kwa katunduImalipira mtengo wa kuwonongeka kwa magalimoto ndi zinthu zina zomwe zachitika pangozi yomwe mwayambitsa.
  • Chitetezo cha Munthu Kuvulala (PIP)Imalipira ndalama zachipatala ndi malipiro otayika a inu ndi mamembala ena a chipani chanu, mosasamala kanthu kuti ndani adayambitsa ngozi.
  • Malipiro azachipatala (MedPay): Imalipiritsa ngongole zachipatala koma sizikulipira malipiro otayika a inu ndi chipani chanu, mosasamala kanthu kuti ndani wapezeka kuti walakwa pa ngoziyo.
  • Chivundikiro cha Magalimoto Opanda Inshuwaransi/Wopanda InshuwaransiImaphimba katundu wanu ndi madandaulo ovulala ngati dalaivala wolakwa alibe ndalama zokwanira zolipirira.

Zofunikira zina za inshuwaransi

Obwereketsa ena amafuna kuti obwereketsa azinyamula zowonjezera za inshuwaransi zamagalimoto zomwe zimawononga kuwonongeka kwagalimoto nthawi zonse. Izi ndicholinga choteteza chiwongola dzanja cha wobwereketsa. Ichi ndichifukwa chake mungafunikire kugwiritsa ntchito njira zina zowonjezera ngati izi ngati mutatenga ngongole yagalimoto yatsopano:

  • kufalikira kwa kugundana: Imateteza kuwonongeka kwa galimoto yanu posatengera kuti ndani walakwa pa ngozi.
  • Kuphunzira kwathunthu: Imateteza kuwonongeka kwa galimoto yanu kuchokera kumalo ena kupatula ngozi monga moto, kuba kapena kuwononga.
  • kutseka kwa gap: Inshuwaransi yamtundu umenewu imakhudza kusiyana pakati pa ngongole imene muli nayo galimotoyo ndi imene mwabwereka ngati mutataya ndalama zonse.
  • Lipirani ngongole kapena lendiImaphimba ndalama zotsala mu ngongole yagalimoto kapena yobwereketsa pakatayika kwathunthu.

Zosankha Zowonjezera Zowonjezera

Ngakhale zosankha zokhazikika nthawi zambiri zimakhala zofanana kuchokera kwa wothandizira wina kupita kwa wina, makampani ambiri a inshuwaransi amadzisiyanitsa kudzera muzowonjezera zina. Zambiri mwa zowonjezerazi zimathandizira kuyang’anira mbali zina za umwini wamagalimoto atsopano, monga kuwonongeka ndi ngozi.

Zina mwazolemba zodziwika bwino zomwe mungapeze ndi:

  • Thandizo panjira: Imalipira ndalama zogwirira ntchito zadzidzidzi zapamsewu monga kukokera, kutumiza mafuta, kukonza matayala akuphwa kapena kusintha.
  • malipiro a lendi: Imalipira mtengo wagalimoto yobwereka pamene galimoto yanu ikukonzedwa kapena kusinthidwa.
  • Mechanical Failure Insurance (MBI): Imakwirira kukonza kwa zida zina zamagalimoto pambuyo pakulephera kofanana ndi Kuonjezera chitsimikizo chagalimoto.
  • Inshuwaransi ya Rideshare: Zimakuphimbani panthawi yopuma ngati mukuyendetsa galimoto ku kampani yomwe ikuchita nawo ntchito monga Lyft kapena Uber.
  • Ndalama zoyenderaImaphimba chakudya, malo ogona ndi ndalama zina zoyendera ngati simungathe kugwiritsa ntchito galimoto yanu mutataya nyumba.

Makampani ambiri a inshuwaransi yamagalimoto amapereka magawo apadera a inshuwaransi yamagalimoto atsopano. Mutha kudziwa zonse zomwe mungachite komanso zomwe pulani iliyonse imakhudza polankhula ndi wothandizira.

Momwe mungagulire inshuwalansi ya galimoto yatsopano

Kugula inshuwalansi ya galimoto yatsopano nthawi zambiri kumakhala kofanana ndi kupeza inshuwalansi ya galimoto ina iliyonse. Ndi makampani ambiri a inshuwaransi, muyenera kupeza ndikugula chithandizo ndikuyamba ndondomeko yanu pamene mukudikirira ku bungwe.

Njira yopezera chithandizo ndi yosavuta. Ingotsatirani izi:

  1. Konzekerani zomwe zikufunika kuti muyambe kupeza zolemba. Izi zikuphatikiza nambala ya VIN yagalimotoyo, mtengo wogulira ndi zidziwitso zanu.
  2. Yambani kugula zinthu zaulere. Mutha kufananiza mwachangu komanso mosavuta mawu a inshuwaransi yamagalimoto pa intaneti ndi opereka ambiri. Tikukulimbikitsani kuti mutenge ziwonetsero kuchokera kwa opereka chithandizo osachepera atatu musanapange chisankho.
  3. Sankhani wothandizira inshuwalansi ndi ndondomeko. Sankhani mawu omwe amakupatsirani kuphatikiza kwamtengo wapatali komanso mtendere wamumtima. Muyenera kuyambitsa ndondomeko yanu yodziwonetsera yokha nthawi yomweyo.
  4. Lipatseni bungwe khadi lanu la inshuwaransi yatsopano. Makampani ambiri tsopano amapereka pulogalamu yam’manja yomwe imakulolani kuchotsa khadi lanu la inshuwalansi nthawi iliyonse yomwe mukufuna. Mudzatha kutumiza izi kwa wothandizira kuti atenge makiyi anu, nthawi zambiri kudzera pa kopi ya PDF kudzera pa imelo.

New Car Inshuwalansi: Mapeto

Ndi bwino kupeza inshuwalansi pa galimoto yatsopano musanaigule, ndipo nthawi zambiri mudzafunika kutero. Mwamwayi, mutha kupeza zolemba za inshuwaransi yamagalimoto pafupifupi nthawi yomweyo pa intaneti kapena pafoni ndi mfundo zomwe zingayambike nthawi yomweyo.

Inshuwaransi Yatsopano Yagalimoto: Opereka Ovomerezeka

Ndikosavuta kugula inshuwaransi yamagalimoto kuti mutha kutero mukuyembekezera dipatimenti yazachuma kapena kuchedwa kwina kulikonse kokhudzana ndi kugula galimoto. Gulu lathu limalimbikitsa State Farm and Travelers ngati malo abwino oyambira kusaka kwanu.

State Farm: Chosankha cha Mkonzi

State Farm ndiye inshuwaransi yayikulu kwambiri mdziko muno yomwe ili ndi zigoli zapamwamba kwambiri pakati pa onse opereka inshuwaransi mu Phunziro lathu la Inshuwaransi la 2022. Madalaivala nthawi zambiri amatha kupeza inshuwaransi yatsopano yotsika mtengo kudzera ku State Farm, ndipo kampaniyo imapereka njira zambiri zothandizira. Ndi kuchuluka kwa kuchotsera kwa inshuwaransi komwe mungasankhe, omwe ali ndi mapolisi a State Farm atha kupeza chithandizo chomwe akufuna pamtengo wotsika mtengo.

Werengani pa: Ndemanga ya inshuwaransi ya boma

Oyenda: Zambiri Zosankha Zosankha

Anthu omwe akufuna kuphimba mbali zambiri za galimoto yawo yatsopano kapena njinga yamoto momwe angathere angafune kuyang’ana pa Oyenda. Pakufufuza kwathu kwa inshuwaransi ya 2022, tidapeza kuti kampaniyo ili ndi mbiri yotakata, yokhala ndi zosankha zambiri zapaulendo zomwe zimakopa eni magalimoto atsopano. Mwachitsanzo, m’malo mwa Premier New Car Idzalipira mtengo wamtundu watsopano m’malo mwa kupanga ndi mtundu womwewo pakatayika kwathunthu.

Werengani pa: Ndemanga ya inshuwaransi ya Passenger

Inshuwaransi yagalimoto yatsopano: FAQ

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 chiwongolero chonse kwa wothandizira aliyense, ndi makampani a inshuwalansi omwe adapeza mfundo zambiri pamwamba pa mndandanda.

M’nkhaniyi, tasankha makampani omwe ali ndi ndalama zambiri komanso mtengo wake. Magulu amitengo adatsimikiziridwa ndi kuyerekezera kwa mitengo ya inshuwaransi yamagalimoto yopangidwa ndi Quadrant Information Services ndi Mwayi Wochotsera.

* Kulondola kwa data panthawi yofalitsa.

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