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Anthu aku America Amagula Inshuwaransi Yagalimoto Kuti Asunge Ndalama, Lipoti la TransUnion

Kafukufuku watsopano wa TransUnion akuwonetsa kuti kugula inshuwaransi yamagalimoto ndikotsika, koma ogula ambiri akusankha kusintha othandizira kuti asunge ndalama. (iStock)

Kugula inshuwalansi ya galimoto kwatsika chaka chino, koma anthu ambiri a ku America akupitiriza kufunafuna inshuwalansi yatsopano kuti asunge ndalama, m’malo modandaula chifukwa cha kugula galimoto yatsopano, malinga ndi malipoti atsopano.

Chiwongola dzanja chogula inshuwaransi yamagalimoto chidatsika mpaka 11.7% mgawo lachitatu la 2022, kutsika kuchokera 11.8% mgawo lapitalo, malinga ndi Lipoti la Quarterly auto insurance listing Wolemba JD Power mogwirizana ndi TransUnion. Ndipo kugula inshuwaransi yamagalimoto kumatsika 3% pachaka mgawo lachiwiri la 2022, malinga ndi TransUnion Personal Lines Insurance Trends and Prospects Report.

“Ngakhale kugula kwa inshuwalansi ya galimoto kukucheperachepera, chiwerengero cha ogula omwe akufunafuna inshuwalansi ya galimoto yatsopano, koma sakufunanso kugula galimoto, chawonjezeka,” lipoti la TransUnion linatero. Mwa kuyankhula kwina, ogula ambiri amatero chifukwa cha mtengo kapena chinthu china chosagwirizana ndi kusintha kwa galimoto yomwe amayendetsa.

Ngati mukugula inshuwaransi yamagalimoto kapena yakunyumba, lingalirani za msika wapaintaneti ngati Credible komwe mungafananize makampani osiyanasiyana a inshuwaransi. Pitani ku kukhulupirika kuti mupeze Inshuwaransi yagalimoto yabwino kwambiri kwa inu.

Kafukufukuyu akuti kukwera kwa mitengo kukupangitsa kuti anthu ambiri aku America achotse inshuwaransi kuti asunge ndalama

Kugula kwa inshuwaransi yamagalimoto kumachepera mu 2022

Kugula inshuwalansi ya galimoto Tikupita pansi Chifukwa cha zinthu monga kukwera mtengo kwagalimoto komanso kutsika kwazinthu Mitengo yamafuta apamwamba Ndi chiwongola dzanja, monga momwe JD Power ndi TransUnion adanenera.

Koma ngakhale ogula ambiri akufuna kutsitsa ndalama za inshuwaransi, kutsika kwa 11% kwa inshuwaransi yatsopano yamagalimoto ndi ogula omwe ali pachiwopsezo chachikulu kumachepetsa kwambiri kugula konse, malinga ndi lipoti la TransUnion.

“Kusowa kogulira magalimoto atsopano kwachepetsa kugula inshuwaransi yagalimoto kamodzi kokha,” atero a Michelle Jackson, mkulu wamkulu wa katundu wamunthu ndi inshuwaransi yovulala ku TransUnion Insurance. “Ngakhale ogula amakhamukira kukagula inshuwaransi yamagalimoto pomwe ndalama zimakwera kuchokera pakukwera mitengo kwamakampani padziko lonse lapansi, izi sizingagonjetse mitengo yogulitsira yomwe tikuwona kuchokera kwa ogula omwe samagula magalimoto atsopano, motero amapanga malo ogulitsira. “

Ngati mukuyang’ana kuti musunge ndalama pamalipiro a inshuwalansi ya galimoto yanu, mungathe Pitani ku Credibility kuti mufananize mawu ochokera kumakampani angapo a inshuwaransi Ndipo pezani njira yabwino kwambiri kwa inu popanda kukhudza ngongole yanu.

Galimoto yatsopano imakwera ndipo mitengo imatsika, koma osati zambiri

Mitengo ya inshuwaransi yakunyumba imasiyana malinga ndi dera

Kugula inshuwaransi yakunyumba kunali kolimba kuposa kugula inshuwaransi yamagalimoto mgawo lachiwiri la 2022, kukwera 4% pachaka, malinga ndi kafukufuku wa JD Power ndi TransUnion.

Kuwonjezeka pang’ono kwa kugula inshuwalansi ya kunyumba kunayendetsedwa makamaka ndi kuwonjezeka kwa Kumwera. Kugula kwa inshuwaransi ya eni nyumba m’derali kudakwera 12% pachaka m’gawo lachiwiri.

“Tikupitilizabe kuwona chidwi chosamukira kumadera akutentha kwadzuwa, zomwe zapangitsa kuti kuchulukitsidwa kwa inshuwaransi kwa eni nyumba m’maboma ngati Florida ndi Texas, zomwe zimadabwitsa kwambiri chifukwa chanyengo komanso inshuwaransi yodula,” adatero Jackson. mu cholengeza munkhani.

Ngati mukuyang’ana kuti mupulumutse pa inshuwaransi ya eni nyumba, mungafune kufananiza makampani a inshuwaransi osiyanasiyana kuti mupeze yomwe ingagwirizane ndi zosowa zanu. Lumikizanani ndi Credible kuti mulankhule ndi katswiri wa inshuwaransi Kuti mupeze mitengo yabwino ya inshuwaransi ya eni nyumba kwa inu.

Kuwomba kumakankhira chidaliro cha ogula kusanathe miyezi itatu

Kutsika kwamitengo kukupitilirabe kukhudza makampani a inshuwaransi yanyumba ndi magalimoto

Pafupifupi anthu onse aku America, kapena 95%, akuti kukwera kwa mitengo ndi vuto, ndipo 38% akuti ali ndi nkhawa kwambiri, malinga ndi zomwe zaposachedwa. Kafukufuku wa Consumer Pulse ndi TransUnion.

Akatswiri amalosera Kutsika kwa mitengo kuyenera kukhala kokwera 2024, ponena kuti Fed sichingafikire 2% kukwera kwa inflation mpaka pamenepo, malinga ndi zomwe zachitika posachedwa ndi Mortgage Bankers Association (MBA). Bungwe la Federal Reserve posachedwapa linayesa kuchepetsa kutsika kwa mitengo mwa kukweza chiwongoladzanja, zomwe zingapangitse kuti pakhale malipiro apamwamba a inshuwalansi ya galimoto ndi nyumba m’miyezi ikubwerayi.

Ngati mukuyang’ana njira zochepetsera ndalama za inshuwaransi, mutha kufananiza zolemba zamakampani osiyanasiyana. Pitani ku Credibility kuti muwone zolemba zosiyanasiyana Ndipo pezani zomwe zikukuthandizani.

Muli ndi funso lokhudza zachuma, koma osadziwa yemwe mungamufunse? Tumizani imelo kwa katswiri wanu wodalirika wandalama ku moneyexpert@credible.com Funso lanu litha kuyankhidwa ndi Credible mugawo la Katswiri wa Ndalama.

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