Ndemanga ya Inshuwaransi Yachitetezo Pagalimoto: Mtengo ndi Mitengo (2022)

Ngati mumakhala ku Massachusetts, New Hampshire, kapena Maine, mwinamwake munamvapo za inshuwalansi ya chitetezo. Inshuwaransi yachitetezo ndi kampani yaku New England, koma kodi inshuwaransi yachitetezo cha magalimoto ndi njira yabwino?

Munkhaniyi, ife ku gulu la Home Media Reviews tifotokoza inshuwaransi yachitetezo chagalimoto ndikuyifananiza ndi zosankha zina. Tawunikanso Inshuwaransi yabwino yamagalimoto Ndipo amapangira zina mwazosankha zake zabwino, nayenso.

Ndemanga ya inshuwalansi ya galimoto

Inshuwaransi yachitetezo ndi kampani yodalirika yopangira magalimoto, koma sikuti nthawi zonse imakhala yokwera mtengo kwambiri pamsika. Timayika kampaniyo 7.6 mwa 10.0 yonse ndikuzindikira kuti ili ndi njira zolimbikitsira zokhala ndi zowonjezera zabwino, komanso ntchito yothandizira ya VIP yomwe makasitomala amayamikira.

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

Kodi kusiyanitsa inshuwaransi yotetezeka yamagalimoto ndi chiyani?

Inshuwaransi yachitetezo imayang’ana kwambiri ntchito zamakasitomala. Monga wothandizira pang’ono, imagwira ntchito ndi othandizira akumaloko m’maboma atatu a New England kuti apereke chithandizo chamunthu payekha. Kampaniyo ili ndi zodandaula zochepa kwambiri pa intaneti chifukwa cha kukula kwake.

Chitetezo chachitetezo chimaperekanso mitundu ingapo yazowonjezera zowonjezera. Zosankha zimaphatikizapo kuphimba magalasi athunthu, mayendedwe otsimikizika komanso mtengo wosinthira.

Ubwino ndi kuipa kwa inshuwaransi yamagalimoto

Za inshuwaransi yachitetezo

Chaka Chokhazikitsidwa: 1979

Mtengo wa BBB: A + ndi kuvomerezeka

AM Best Financial Strength Rating: a

Inshuwaransi yachitetezo imapereka inshuwaransi yamagalimoto, bizinesi ndi nyumba kudzera mwa othandizira odziyimira pawokha ku Maine, Massachusetts ndi New Hampshire. Kampaniyo idakhazikitsidwa mu 1979 ndipo likulu lake lili ku Boston. Inshuwaransi yachitetezo imapereka pulogalamu yam’manja kuti makasitomala agwiritse ntchito, koma kampaniyo sipereka zolemba zapaintaneti – muyenera kulumikizana ndi wothandizira kuti mudziwe zomwe mungasankhe.

Mitengo ya inshuwaransi yachitetezo ndi kuchotsera

Malinga ndi mtengo wathu deta, otetezeka galimoto inshuwalansi ndalama pafupifupi pafupifupi $2,366 pachaka kuti adziwe zonse, zomwe ndi pafupifupi 37% kuposa avareji yapadziko lonse ya $1,730 pachaka. Kumbali ina, kuphimba kochepa kwa chitetezo kumawononga pafupifupi $653 pachakaomwe ndi apamwamba 3% okha kuposa avareji yadziko lonse ya $635 pachaka.

Mitengo ya inshuwaransi yamagalimoto imasiyana malinga ndi mayiko. Chifukwa cha malamulo aboma, kuchuluka kwa anthu, ndi zina, Massachusetts nthawi zambiri imakhala yokwera mtengo kuposa New Hampshire ya inshuwaransi yamagalimoto.

Gome ili m’munsili likuwonetsa momwe pafupifupi mitengo ya inshuwaransi yachitetezo ikuyerekeza ndi kuyerekezera kwamitengo m’maiko awiriwa. Malinga ndi zomwe timapeza, inshuwaransi yachitetezo imakhala yokwera mtengo kuposa wamba ku Massachusetts koma yokwera mtengo kuposa wamba ku New Hampshire.

Mtengo wa inshuwaransi yachitetezo potengera zaka

Malipiro a inshuwalansi ya galimoto amasiyana kwambiri malinga ndi msinkhu wanu. Pansipa, mutha kuwona pafupifupi inshuwaransi yagalimoto yotetezeka m’maiko awiri kwazaka zingapo. Kumbukirani kuti achinyamata amakonda kutsatira malamulo a makolo awo kuti asunge ndalama m’malo mokhala ndi zolinga zawozawo.

Mtengo wa inshuwaransi yachitetezo malinga ndi mbiri ya driver

Ngati muli ndi ngozi kapena cholakwa pa mbiri yanu yoyendetsa galimoto, mudzalipira zambiri za inshuwalansi ya galimoto. M’munsimu muli pafupifupi mtengo wa inshuwalansi ya galimoto kwa madalaivala omwe aphwanya mitundu yosiyanasiyana ya ngozi. Mitengo iyi ndi ya inshuwaransi yokwanira ya dalaivala wazaka 35.

Kuchotsera Kwa Inshuwalansi Yachitetezo Pagalimoto

Safety loko amapereka zosiyanasiyana Kuchotsera kwa Inshuwaransi Yagalimoto Kuthandiza madalaivala kusunga ndalama. Mitengo yathu yapakati siyiphatikiza kuchotsera, kotero mutha kupeza mtengo wotsika wokhala ndi chitetezo kutengera kuchotsera komwe mukuyenerera.

Kampani ya inshuwaransi yachitetezo imapereka kuchotsera zambiri ku Massachusetts kuposa ku New Hampshire kapena Maine. Izi ndizamwayi chifukwa mtengo wa inshuwaransi ku Massachusetts ndiwokwera kuposa m’maiko ena awiriwa. Makamaka, Chitetezo chimapereka kuchotsera kowolowa manja kwa Safe Driver mpaka 24% ngati simunachite ngozi kapena kulakwitsa kwa zaka zisanu ndi chimodzi.

Nawa kuchotsera konse komwe inshuwaransi yachitetezo ku Massachusetts imapereka.

Pansipa, mutha kuwona kuchotsera kwa mfundo za inshuwaransi yachitetezo ku New Hampshire ndi Maine.

Kutetezedwa kwa inshuwaransi yamagalimoto

Inshuwaransi yagalimoto yotetezeka imapereka njira zomwezo ku Maine ndi New Hampshire koma zosankha zambiri ku Massachusetts. M’malo mwake, kampaniyo imapereka njira zingapo zowunikira.

Zosankha zodziwika bwino ndi izi:

  • kuvulaza thupi inshuwaransi yamilandu: Amalipira ngongole zachipatala za anthu ena mukayambitsa ngozi
  • Mlandu wa kuwonongeka kwa katundu: Imaphimba kukonza magalimoto kwa madalaivala ena akayambitsa ngozi
  • Kufunika kwa madalaivala opanda inshuwaransi/opanda inshuwaransi: Imalipira ngongole zanu zamankhwala ndi kukonza galimoto ngati wina wopanda inshuwaransi yokwanira ayambitsa ngozi
  • inshuwaransi yonse: Amateteza kuwonongeka kwa chilengedwe, kuwononga, kuba, ndi kugundana ndi zinthu zomwe sizikuyenda
  • inshuwalansi ya ngozi: Imaphimba kuwonongeka kwagalimoto yanu chifukwa cha ngozi zamagalimoto
  • Chitetezo ku kuvulala kwaumwiniPIP inshuwaransi): Imalipira ndalama zanu zachipatala pakachitika ngozi mosasamala kanthu za yemwe wayambitsa ngoziyo (yofunikira ku Massachusetts)

Zosankha Zowonjezera Zophimba Chitetezo

Inshuwaransi yachitetezo imaperekanso njira zowonjezera zowonjezera. Ku Massachusetts, madalaivala ali ndi mapaketi okweza awiri oti asankhe: Safety Shield ndi Zowonjezera Zotetezedwa. Ku New Hampshire ndi Maine, madalaivala amatha kukweza ku Safety Shield.

Nawa njira zopititsira patsogolo zoyendetsa madalaivala aku Massachusetts:

Nawa njira zokwezera za Safety Shield ku New Hampshire ndi Maine:

  • Kugunda kwa kuchotsedwa kwa kupirira
  • Kuphimba kwathunthu kwa galasi
  • Ndalama zoyendera mwadzidzidzi pamsewu
  • chivundikiro cha airbag
  • Ndalama zoyendera
  • Mtengo wotsimikizika wosintha

Ngakhale pali mitundu ingapo yokwezeka yowonjezereka, Inshuwaransi ya Chitetezo sichimawapatsa Inshuwaransi yaulendo.

yendetsani bwino

Ngati muli ndi chidwi ndi inshuwaransi yakutali, mutha kulembetsa pulogalamu yapakampani ya Drive with Safety. Izi zimagwiritsa ntchito data ya pulogalamu yam’manja kuti iwunikire momwe mumayendetsa. Mutha kuchotsera 5% pa IT ngati mukuyenerera.

VIP Safety Claims Service

Chinthu chimodzi chomwe chimalekanitsa Inshuwaransi ya Chitetezo kuchokera kwa omwe amapereka chithandizo chachikulu ndi maukonde a malo ochitira chithandizo cha VIP omwe mungayendere. Ngati galimoto yanu ndi yoyendetsa, ingoisiyani pamalo amodziwa ndipo ogwira ntchito zachitetezo azisamalira ntchitoyi kuchokera pamenepo. Mupeza galimoto yobwereka mukafika, ndipo Chitetezo chidzatengera galimoto yanu kumalo okonzera.

Malinga ndi tsamba la Safety’s, kukonza zambiri za VIP kumatenga pasanathe sabata. Chitetezo chimagwira ntchito ndi zolipirira pamalo okonzera mwachindunji kuchotsera zomwe zasungidwa. Pali malo ogulitsa pafupifupi 20 ku New England omwe amatenga nawo gawo mu pulogalamu ya VIP. Ntchito zodzinenera za VIP sizimawononga ndalama zowonjezera, ndipo muli ndi mwayi wogwiritsa ntchito malo ena okonzera ma netiweki kapena malo okonzera chilolezo omwe mwasankha.

Ndemanga za Makasitomala za Inshuwaransi Yotetezedwa Pagalimoto

Inshuwaransi yachitetezo chagalimoto ili ndi mlingo wa A+ wokhala ndi kuvomerezeka kwa BBB, kuwonetsa kuti imayankha madandaulo mwachangu. Kampaniyo ilinso ndi fayilo 3.1 nyenyezi Mwa nyenyezi 5.0 pa Google. Anthu ambiri amakhala ndi zokumana nazo zabwino ndi kampaniyo, koma ena alibe.

Ndemanga Zabwino Za Inshuwaransi Yagalimoto Zachitetezo

Ndemanga zabwino pa Google zimayamika kampaniyo chifukwa chothandizira makasitomala. Owunikira ena amanena kuti ma inshuwaransi achitetezo amawapangitsa kumva kuti amasamaliridwa komanso kuwamvetsetsa. Ena amanena kuti ntchito ya madandaulo a VIP imagwira ntchito bwino komanso kuti othandizira amasamalira chilichonse kuyambira koyambira mpaka kumapeto.

Ndemanga za inshuwaransi yamagalimoto

Si onse okhala ndi ma policy omwe ali ndi chidziwitso chochuluka. Ndemanga zolakwika pa Google zikuwonetsa kuti oyimilira ena alibe luso lolankhulana bwino kapena ndizovuta kufikira panthawi yodzinenera zokha. Chidandaulo chofala kwambiri ndi kusowa kwa kulumikizana, ngakhale makasitomala ena amatchulanso kuwonjezereka kwamitengo pakapita nthawi.

Gulu lathu lowunika lidalumikizana ndi Safety Insurance kuti lifotokozere ndemanga zake koma silinayankhe.

Madandaulo a Inshuwaransi ya Chitetezo

Malinga ndi National Association of Insurance Commissioners, inshuwalansi ya chitetezo ili ndi madandaulo ochepa kwambiri chifukwa cha kukula kwake. Mu 2021, woperekayo adalandira Madandaulo anayi Ponena za ntchito ya inshuwaransi yamagalimoto ambiri, pomwe makampani ena adalandira kawiri nambala iyi.

Ndemanga ya Inshuwaransi Yagalimoto Yotetezeka: Mapeto

Ponseponse, timayesa Safety Lock 7.6 mwa 10.0. Kampaniyo imapereka chithandizo chabwino komanso njira zopezera ndalama, koma makampani ena akhoza kukhala otsika mtengo ku Massachusetts. Ziribe kanthu, lingakhale lingaliro labwino kupeza mtengo kuchokera ku kampani chifukwa mitengo yake ndi ya dalaivala aliyense.

Njira zina zapamwamba kuposa inshuwaransi yamagalimoto

Yerekezerani mitengo ya inshuwalansi ya galimoto Pa intaneti ndi njira yabwino yowonera mitengo yomwe mungapeze. Tikukulimbikitsani kufananiza osachepera atatu othandizira nthawi iliyonse mukagula kuti mupeze chithandizo. Titasankha makampani onse akuluakulu, tidatcha State Farm ndi USAA ziwiri mwazosankha zathu zapamwamba.

State Farm: Chosankha cha Mkonzi

State Farm ndiye upangiri wathu woyamba wa inshuwaransi yamagalimoto chifukwa imapereka kuchotsera kosiyanasiyana, mitengo yotsika mtengo, ndi mapulogalamu omwe ali opindulitsa kwa ophunzira. Tidafufuza makasitomala 6,923 a inshuwaransi yamagalimoto mu 2022, ndipo pafupifupi 19% mwaiwo anali ndi State Farm. Makasitomalawa adavotera kukhutitsidwa kwawo konse ndi State Farm 4.2 mwa 5.0, ndipo adavotera kuti ntchitoyo sinasinthe.

Mitengo yathu yapakati ikuwonetsa kuti State Farm ndi yotsika mtengo pafupifupi 14% kuposa kuchuluka kwa inshuwaransi yonse.

Werengani zambiri: Ndemanga ya inshuwaransi ya boma

USAA: Mitengo yotsika kwa asitikali

Ngati muli msilikali kapena muli ndi kholo ku usilikali, ganizirani za inshuwalansi ya galimoto ya USAA. Malinga ndi mitengo yathu yapakati, inshuwaransi yokwanira ya USAA ndiyotsika mtengo ndi 39% kuposa pafupifupi dziko lonse. Kampaniyo idapeza 4.3 mwa 5.0 kuti ikhutiritse makasitomala mu kafukufuku wathu wa inshuwaransi, ndipo nthawi zonse imalandira ma marks apamwamba mu maphunziro a inshuwaransi kuchokera kwa JD Power.

Werengani zambiri: USAA Insurance Review

Inshuwaransi ya Chitetezo Pagalimoto: 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.

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.

**Avereji yamitengo ya inshuwaransi yagalimoto yotetezeka ku Maine sinapezeke.

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