Zithunzi zosonyeza zinthu zomwe zimakhudza mtengo wa inshuwalansi ya galimoto

Ndemanga ya inshuwaransi ya banja yaku America

Ndemanga za American Family Insurance zikuwonetsa kuti ndi kampani yodziwika bwino ya inshuwaransi yomwe ili ndi zaka pafupifupi 100 yopatsa oyendetsa galimoto inshuwaransi yamagalimoto. Kampaniyo, yomwe nthawi zambiri imadziwika kuti AmFam, ndi imodzi mwama inshuwaransi 10 apamwamba kwambiri padziko lonse lapansi, malinga ndi National Association of Inshuwalansi Commissioners (NAIC).

Bukhuli lakuya liwunika ndemanga za American Family Insurance, komanso mbiri ya kampani, kupezeka, ndalama, ndi ntchito zake. Ife ku Home Media timu timawunikira ndikufanizira ndi dziko Inshuwaransi yabwino yamagalimoto Makampani kuti awone momwe amachitira.

About American Family Insurance

American Family Insurance ndi kampani yachisanu ndi chinayi yayikulu kwambiri ya inshuwaransi yamagalimoto ku United States. Idakhazikitsidwa mu 1927 ku Madison, Wisconsin, monga Farmers Mutual Auto Inshuwalansi. American Family Inshuwalansi pakali pano ikugwira ntchito m’maboma 19.

Malinga ndi NAIC, American Family Insurance idalemba ndalama zokwana $5.4 biliyoni pachindunji cha inshuwaransi yamagalimoto mu 2021 ndipo idagwira 2.1% ya gawo lonse la msika mdziko muno.

AM Best amapereka kampaniyo gulu Kwa mphamvu yazachuma, kuwonetsa kuthekera kwa kampani ya inshuwaransi kulipira zonena. AmFam imakhalanso ndi fayilo gulu kuchokera ku BBB.

Mitengo ya inshuwaransi ya mabanja aku America ndi kuchotsera

Kuyerekeza kwamitengo ya inshuwaransi yamagalimoto a banja la ku America kukuwonetsa kuti madalaivala okwatirana omwe ali ndi zaka 35 omwe ali ndi mbiri yabwino yoyendetsa galimoto komanso amalipira ngongole zabwino pafupifupi. $1,537 pachaka kufalitsa kwathunthu. Izi ndi pafupifupi 11% m’munsi kuposa chiwerengero cha dziko, chomwe chiri $1,730 pachaka Kuti mupereke ndalama zonse.

Gome ili m’munsili likuwonetsa kuyerekeza kwamitengo yapachaka ndi boma ku inshuwaransi ya mabanja aku US. Ndikofunika kuzindikira kuti izi ndizongoyerekeza ndipo siziyenera kugwiritsidwa ntchito ngati kulosera zomwe mudzalipire pa chithandizo.

Ndemanga za American Family Insurance zikuwonetsa kuti kampaniyo ili ndi mitengo yokwanira yoyendetsa ndi madalaivala omwe ali pachiwopsezo chachikulu omwe ali ndi ma DUI amakono. Malipiro a inshuwalansi ya galimoto yanu amadalira zinthu zingapo, kuphatikizapo izi:

  • zaka
  • kugonana
  • Banja
  • Tsamba
  • Mbiri yoyendetsa
  • Mbiri yakale
  • ngolo

Zithunzi zosonyeza zinthu zomwe zimakhudza mtengo wa inshuwalansi ya galimoto

Kuchotsera kwa inshuwaransi yabanja yaku US

Ngakhale mtengo wa ndondomeko yanu udzasiyana, ndemanga za American Family Insurance zikuwonetsa makasitomala kukhutitsidwa ndi kuchotsera kosiyanasiyana kwamakampani.

Nayi kuyang’ana pa Kuchotsera kwa Inshuwaransi Yagalimoto Ziwonetsero za Banja la America:

American family family insurance coverage

Ndemanga za American Family Insurance zikuwonetsa kuti izi ndi njira zisanu ndi imodzi zodziwika bwino zamakampani:

Omwe ali ndi mapholisi amathanso kugula izi:

  • kutseka kwa gap: kusankha kwanga kuphimba kusiyana Zimathandiza kulipira kusiyana pakati pa zomwe muli ndi ngongole ndi zomwe galimoto yanu ili nayo ngati galimoto yanu inasonkhanitsidwa pangozi.
  • Chivundikiro chobwezera chobwereketsa galimoto: American Family Inshuwalansi imapereka chithandizo ichi kuti chikuthandizeni kulipira galimoto yobwereka pamene galimoto yanu ili m’sitolo pambuyo pa ngozi yowonongeka.
  • Kufikira mwadzidzidzi pamsewu: Izi zikuphatikiza mabatire okoka, kulumpha, ntchito ya matayala, zoperekera gasi ndi mafuta, zotsekera, ndi kukonza m’mphepete mwa msewu.
  • Kuphimba imfa yobwera chifukwa cha ngozi ndi kudula ziwalo: Njirayi imathandiza kulipira pakamwalira kapena kuvulazidwa chifukwa cha ngozi ya galimoto, mosasamala kanthu kuti ndi ndani amene ali ndi vuto.

American Family Insurance imaperekanso mwayi wopeza pulogalamu yam’manja, KnowYourDrive. Ndi pulogalamu ya inshuwaransi yamagalimoto yotengera ntchito yomwe imapereka kuchotsera mpaka 20% potengera momwe kuyendetsa kwanu kulili kotetezeka. Mukalembetsa, mutha kulandiranso zoyambira za 10%.

Ndemanga za inshuwaransi ya mabanja yaku America

Ndemanga za American Family Insurance zikuwonetsa kukhutitsidwa pakati pa makasitomala ake. Kampaniyo idakhala yachisanu ndi chimodzi pokhudzana ndi kukhutitsidwa kwamakasitomala pakati pamakampani a inshuwaransi apakatikati mu JD Power 2022 mu US Insurance Shopping Study℠, yolingana ndi gawo lapakati la 855 point pa 1000.

Ngakhale ndemanga za American Family Inshuwalansi zimalankhula zabwino pazambiri, zomwezo sizinganenedwe konsekonse. Woperekayo akugwira 1.1 nyenyezi ya kasitomala kuchokera ku 5.0 pa webusaiti ya BBB, ndi madandaulo a 153 atsekedwa m’zaka zitatu zapitazi. Ndemanga za Inshuwalansi ya Banja la America pa Trustpilot Yoperekedwa ndi A 2.8 nyenyezi ku 5.0. Ngakhale izi zitha kumveka zotsika, ndizabwinobwino kuti kampani yayikuluyi ikhale ndi ndemanga zoyipa.

Ndemanga zabwino za American Family Inshuwalansi zimayamika kampaniyo chifukwa chotsika mtengo komanso luso lamakasitomala. Ndemanga zoyipa zimawonetsa zovuta zomwe zimakanidwa komanso njira zolipirira zosagwirizana.

Gulu lathu lowunika lidalumikizana ndi American Family Insurance kuti afotokozere ndemanga zake zoipa koma sanalandire yankho.

Mfundo yofunika kwambiri pa inshuwaransi ya banja yaku America

Timapereka American Family Insurance 8.5 mwa 10.0. Wopereka inshuwaransi yamagalimoto ali ndi zochotsera zambiri ndi zowonjezera, koma kufalitsa kumangopezeka m’maboma 19 ndipo malingaliro amakasitomala amasiyana. Kawirikawiri, timalimbikitsa kuyang’ana njira zina.

Kuphatikiza pa inshuwaransi yamagalimoto, American Family Insurance imapereka:

  • inshuwaransi yakunyumba
  • inshuwaransi ya renter
  • inshuwaransi ya ntchito
  • Inshuwaransi ya Mwini
  • inshuwalansi ya moyo
  • kuwongolera ngongole
  • inshuwaransi yakuba identity
  • inshuwalansi ya umoyo
  • inshuwaransi yaulendo
  • inshuwaransi yonse

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

Njira zina za inshuwaransi zamagalimoto

Ndemanga za American Family Insurance zikuwonetsa kuti ndi kampani ya inshuwaransi yodziwika bwino, koma ili kutali ndi njira yanu yokhayo. Muyenera kuganizira kupeza Mitengo ya inshuwaransi yagalimoto kuchokera kwa ena odziwika bwino opereka chithandizo musanapange zisankho zomaliza.

Geico: Yotsika mtengo kwa madalaivala ambiri

Geico ndiye wachiwiri kwa inshuwaransi yayikulu yamagalimoto pamsika. Malinga ndi NAIC, inshuwaransiyo idalanda 14.3% yamsika mu 2021 ndikulemba ndalama zopitilira $ 37.4 biliyoni. Kampaniyo imapereka zosankha zisanu ndi chimodzi zokhazikika, kuphatikiza zowonjezera monga chithandizo chadzidzidzi chamsewu, kubweza galimoto yobwereketsa, Inshuwaransi yaulendo Ndipo inshuwaransi motsutsana ndi kulephera kwa makina. Geico ali A + kuchokera ku BBB ndi Mphamvu yachuma A++ kuchokera ku AM Best.

Werengani zambiri: Geico تأمين Ndemanga ya Inshuwaransi

Kupita patsogolo: Mitengo yotsika kwa madalaivala omwe ali pachiwopsezo chachikulu

Progressive ndi kampani yachitatu yayikulu kwambiri ya inshuwaransi yamagalimoto mdziko muno. Kampaniyo idalemba ndalama zopitilira $35 biliyoni zama inshuwaransi yamagalimoto mu 2021, malinga ndi NAIC, ndipo ili ndi gawo la msika 13.7%. Progressive imapereka mitundu isanu ndi umodzi yowunikira kuphatikiza kubweza komwe mungafune kuphatikiza kubweza ngongole / lendi, Thandizo panjira Mtengo wa magawo ndi zida zomwe zaperekedwa. Kampani ya inshuwaransi imaperekanso mwayi wambiri wochotsera madalaivala ndipo imakhala ndi akatswiri ambiri, kuphatikiza Mphamvu yachuma A + kuchokera ku AM Best.

Werengani zambiri: Ndemanga ya Inshuwaransi Yokhazikika

Ndemanga ya Inshuwalansi ya Banja la America: FAQ

Nawa mafunso omwe amafunsidwa pafupipafupi za inshuwaransi ya mabanja aku America:

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.

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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