Mapu aku US akuwonetsa mtengo wapachaka wa inshuwaransi yamagalimoto m'boma lililonse

Momwe Mungasungire Ndalama pa Inshuwaransi Yagalimoto (2022)

Palibe kukayika kuti inshuwalansi ya galimoto yokwanira ndiyofunikira, koma simuyenera kulipira mkono ndi mwendo kuti mutenge. Ngati mukudziwa zomwe zimatsimikizira kuchuluka kwa magalimoto ndi malangizo okhudza kugula, mutha kupeza inshuwaransi yagalimoto yamtengo wapatali kwambiri pazochitika zanu.

Munkhaniyi, gulu lathu lowunika za Home Media liwunikira njira zina zotsimikiziridwa zosungira ndalama pa inshuwaransi yamagalimoto. Tikambirananso za mtengo wapakati pa magalimoto ndi zomwe zimatengera mtengo womwe mumalipira. Mukakonzeka kufufuza zomwe mungasankhe, onani masanjidwe athu Makampani abwino kwambiri a inshuwaransi yamagalimoto Kuti mudziwe zambiri za chisankho chanu.

Avereji mitengo ya inshuwaransi yagalimoto

Ndibwino kudziwa zomwe anthu nthawi zambiri amalipira inshuwalansi ya galimoto musanayambe kuyang’ana mitengo yabwino kwambiri. Malinga ndi kuyerekezera kwamitengo yathu, dalaivala wazaka 35 waku America yemwe ali ndi ngongole yabwino komanso mbiri yabwino yoyendetsa. $1,730 pachaka kapena $144/mwezi Comprehensive car insurance. Zikafika pazambiri zachitetezo chocheperako, pafupifupi dziko lonse lapansi ndi $635 pachaka kapena $53 pamwezi.

Ndibwino kudziwa zomwe anthu nthawi zambiri amalipira inshuwalansi ya galimoto musanayambe kuyang’ana mitengo yabwino kwambiri. Malinga ndi kuyerekezera kwamitengo yathu, dalaivala wazaka 35 waku America yemwe ali ndi ngongole yabwino komanso mbiri yabwino yoyendetsa. $1,730 pachaka kapena $144/mwezi Comprehensive car insurance. Zikafika pazambiri zachitetezo chocheperako, pafupifupi dziko lonse lapansi ndi $635 pachaka kapena $53 pamwezi.

Makampani a inshuwaransi yamagalimoto amasankhidwa malinga ndi kuyerekezera kwapachaka

Zinthu zomwe zimakhudza mitengo ya inshuwaransi yagalimoto

Pali zinthu zambiri zomwe zimapita pamtengo womwe mumalipira inshuwalansi ya galimoto, ndipo kudziwa zomwe mukuyang’anira kungakuthandizeni kupeza mitengo yoyenera.

Nazi zina mwazifukwa zazikulu zomwe opereka inshuwaransi amaziganizira posankha mitengo ya chithandizo:

  • TsambaMtengo wa inshuwaransi yamagalimoto umasiyana malinga ndi boma komanso mzinda womwe mukukhala. Madalaivala akumidzi nthawi zambiri amakumana ndi mitengo ya inshuwaransi yapamwamba, pomwe akumidzi amakonda kupeza mitengo yotsika mtengo.
  • zaka: Madalaivala achichepere ndi madalaivala achikulire nthawi zambiri amalipira mitengo ya inshuwaransi yapamwamba chifukwa amawonedwa ngati owopsa. Madalaivala atsopano, mosasamala kanthu za msinkhu, adzakhalanso ndi ndalama zambiri za inshuwalansi ya galimoto.
  • Mbiri yoyendetsa: Ngati mwachita ngozi chifukwa cholakwa, kuphwanya kusuntha kapena kuyendetsa galimoto mokhudzidwa (DUI) / kukhudzidwa pa mbiri yanu ya DWI, inshuwalansi ya galimoto yanu idzakuwonongerani ndalama zambiri.
  • Mbiri yakale: Ngongole yapamwamba ndi chizindikiro cha dalaivala wodalirika komanso wodalirika pazachuma, zomwe zimapangitsa kuti mtengo wa inshuwalansi ya galimoto ukhale wotsika. Kukhala ndi ngongole yotsika mtengo kumatha kukulitsa mitengo yanu-kupatula ku California, Hawaii, Massachusetts, ndi Michigan.
  • Mtundu Wagalimoto: Amene amayendetsa magalimoto atsopano ndi okwera mtengo amakonda kulipira ndalama zambiri za inshuwalansi chifukwa kukonzanso kumakhala kodula pambuyo pa ngozi.
  • deductibleNthawi zambiri mumatha kusankha ndalama zomwe mumalipira kuchokera m’thumba kuti mukonze zophimbidwa, koma kuchotsera kochepa kumabweretsa ndalama zambiri.

Mukufuna inshuwaransi yagalimoto yochuluka bwanji?

Mukhoza kusankha mlingo wa inshuwaransi yomwe mukufuna malinga ngati mukukumana ndi zofunikira zochepa za dziko lanu. Mayiko ambiri amafuna Inshuwaransi yamagalimoto Zowonongeka zaumwini ndi kuwonongeka kwa katundu, zomwe zimalipira mtengo wa zowonongeka ndi kuvulala kwa ngozi zomwe zimayambitsa. Ntchito ya mayiko ena si inshuwaransi kapena Chivundikiro kwa madalaivala opanda inshuwaransizomwe zimathandiza kulipiritsa ndalama zachipatala ndi kukonzanso ndalama pamene dalaivala walakwa alibe inshuwalansi yokwanira.

Inshuwaransi yagalimoto imaphatikizapo kubweza kwathunthu chitetezo kugundana Ndipo the Kuphunzira kwathunthu Kuphatikiza pa kubweza ngongole. Inshuwaransi yogundana imateteza kuwonongeka kwa galimoto yanu chifukwa chakugundana ndi magalimoto, zinthu kapena nyumba zina. Inshuwaransi yokwanira imateteza galimoto yanu ku kuwonongeka kwa chilengedwe, kuwonongeka, kugundana ndi nyama kapena magalimoto oyimitsidwa.

Mu kafukufuku wa inshuwaransi yamagalimoto wa 2022 wa oyendetsa 1,000, magawo awiri mwa atatu a omwe adafunsidwa adati nthawi zambiri amagula inshuwaransi yokwanira. Ngati mukulipirira galimoto, obwereketsa nthawi zambiri amakufunsani kuti musunge ndalama zonse mpaka ngongoleyo italipidwa.

Malangizo athu osungira ndalama pa inshuwalansi ya galimoto

Zikafika pakufufuza inshuwaransi yagalimoto yotsika mtengoKuyerekeza mawu ochokera kwa opereka angapo ndi njira yotsimikiziridwa yomwe ndi yovuta kuigonjetsa. Koma izi sizikutanthauza kuti ndi njira yokhayo yopezera mitengo yotsika. Nazi zina mwa njira zomwe mungachepetsere bilu ya inshuwaransi yagalimoto yanu popanda kusokoneza chitetezo chagalimoto yanu:

  • Chitani homuweki yanuOnetsetsani kuti mukumvetsetsa kuchuluka kwa kufalitsa komwe kumafunikira m’boma lanu komanso kuchuluka kwa zomwe zili zoyenera pazachuma chanu. Ganizirani zomwe mungathe kulipira kuchokera m’thumba lanu galimoto yanu itawonongeka kwambiri.
  • Ganizirani zomwe mungachite kwanukoMutha kupeza kuti makampani akuluakulu a inshuwaransi sangakupatseni mitengo yotsika kwambiri. Othandizira inshuwaransi am’deralo ndi mabizinesi ang’onoang’ono atha kutembenukira kuti akhale oyenera pazosowa zanu.
  • Yang’anani kuchotsera: Ambiri opereka chithandizo amapereka Kuchotsera kwa Inshuwaransi Yagalimoto. Mwa mwayi wochotsera mfundo zodziwika bwino ndi magalimoto angapo, mfundo zingapo, asitikali, eni nyumba, wophunzira wabwino, kukhulupirika kwamakasitomala, komanso kuchotsera koyendetsa bwino. Funsani za kuchotsera ndi omwe atha kukhala opereka chithandizo chatsopano, koma osayiwala kufunsa kampani yanu ya inshuwaransi yapano ngati mukuyenereranso kusungako.
  • Yesani kugwiritsa ntchito mapulogalamu.: Makampani ambiri a inshuwaransi amapereka kuchotsera kutengera mtunda ndi inshuwaransi yakutali Mapulogalamu okuthandizani kusunga ndalama. Ngati kuchuluka kwa mailosi omwe mumayendetsa pachaka kumakhala kotsika kwa oyendetsa galimoto wamba kapena ngati mumakonda kuyendetsa bwino galimoto, kuyang’anira kuyendetsa kwanu kudzera pa chipangizo chakutali choperekedwa ndi kampani kapena pulogalamu kumatha kuchepetsa ndalama zomwe mumalipira.
  • Wonjezerani kuchotsera kwanuKuchotsera kwakukulu kumatanthawuza kutsika mtengo. Zindikirani kuti kuonjezera deductible yanu kungakupangitseni kukhala ndi ndalama zambiri zotuluka m’thumba ngati mupereka chiwongola dzanja. Muyenera kupeza chiwopsezo choyenera ndikusunga kuti njira iyi igwire ntchito kwa inu.
  • Phunzirani zachitetezo cha oyendetsa: Makampani ambiri a inshuwaransi amapereka kuchotsera kwa makasitomala omwe amatenga maphunziro oyendetsa bwino. Ngakhale mutakhala ndi mbiri yabwino yoyendetsa galimoto, kutenga maphunziro oyendetsa galimoto odzitchinjiriza kungakupangitseni kusungitsa ndalama zambiri.
  • Ikani chipangizo choletsa kuba: Opereka inshuwaransi nthawi zina amapereka kuchotsera kwa madalaivala omwe amaika zida zothana ndi kuba m’magalimoto awo. Onetsetsani kuti mwafunsa za zida zoyenera.
  • Limbikitsani kuchuluka kwangongoleIyi ndi njira yanthawi yayitali, koma mutha kutsitsa mitengo ya inshuwaransi m’maiko ambiri ngati muyang’ana lipoti lanu langongole ndikusintha pangongole yanu.
  • Chepetsani kufalitsa ngati kuli koyenera: Kufotokozera momveka bwino komanso kugundana sikofunikira ngati mukuyendetsa galimoto yakale. Yang’anani zomwe mumapereka pafupipafupi kuti muwonetsetse kuti simukulipira zambiri kuposa zomwe mukufunikira.

Momwe mungasungire ndalama pa inshuwaransi yagalimoto: Mapeto

Ngakhale pali zinthu zambiri zomwe zimakhudza kuchuluka kwa ndalama zomwe mumalipira pakubweza, mutha kupeza inshuwaransi yagalimoto yotsika mtengo ngati mukudziwa komwe mungayang’ane. Imodzi mwa njira zabwino zopulumutsira ndi Yerekezerani inshuwalansi ya galimoto Mawu ochokera kwa othandizira angapo kuti mupeze njira yabwino pazosowa zanu.

Malangizo athu a inshuwaransi yamagalimoto

Mukayamba kufunafuna inshuwaransi yagalimoto yotsika mtengo, tikupangira kuti muwone State Farm, Geico, ndi USAA.

State Farm: Chosankha cha Mkonzi

Monga Kampani yayikulu kwambiri ya inshuwaransi ku United StatesState Farm ili ndi mbiri yabwino kwambiri yamakampani komanso mbiri yabwino yamakasitomala. Nthawi zambiri ndi imodzi mwamakampani a inshuwaransi otsika mtengo kwambiri ndipo imapereka mitengo yotsika kwambiri kwa oyendetsa ophunzira ndi achinyamata. Omwe ali ndi malamulo a State Farm amatha kusunga ndi pulogalamu yakampani ya Drive Safe & Save™, yomwe imapereka kuchotsera pamayendedwe otetezeka.

Werengani pa: Ndemanga ya inshuwaransi ya boma

Geico: Yotsika mtengo kwa madalaivala ambiri

Pakuwunika kwathu kwamakampani, gulu lathu lidazindikira kuti Geico ndi imodzi mwazosankha zabwino kwambiri kwa oyendetsa wamba. Geico ili ndi mitengo yotsika kwambiri ya madalaivala osiyanasiyana, ndipo omwe ali ndi mfundo amatha kutenga mwayi wochotsera zambiri. Kusankha kwamakampani pazosankha zina zowonjezera, kuphatikiza inshuwaransi yolephera kwa makina, ndichinthu chofunikira kwambiri.

Werengani pa: Geico تأمين Ndemanga ya Inshuwaransi

USAA: Mitengo yotsika kwa asitikali

Ngakhale kufalitsa kwa USAA kuli kokha kwa asilikali, asilikali ankhondo, ndi mabanja awo apamtima, ndi chisankho chabwino ngati mukuyenerera kuthandizidwa. Mamembala a USAA amapeza zabwino kwambiri padziko lonse lapansi: inshuwaransi yagalimoto yotsika mtengo ndi ntchito yabwino kwamakasitomala. Ndemanga zochokera kwa makasitomala nthawi zonse zimapatsa kampaniyo ma marks apamwamba, ndipo kampani ya inshuwaransi imapeza bwino mumaphunziro angapo okhutiritsa makasitomala a JD Power. Imakhala kampani yotsika mtengo ya inshuwaransi yamagalimoto kwa iwo omwe ali oyenerera.

Werengani pa: USAA Insurance Review

Momwe mungasungire ndalama pa inshuwaransi yamagalimoto: 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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