Inshuwaransi yabwino kwambiri yamagalimoto otsika mtengo ku Chicago

Kupeza inshuwaransi yoyenera yamagalimoto kumatha kuwoneka ngati kukokerana pakati pa khalidwe ndi mtengo. Koma nthawi zambiri ndizotheka kupeza inshuwaransi yagalimoto yotsika mtengo yomwe imaperekabe chithandizo chomwe mukufuna. Mwachitsanzo, pali zosankha zingapo za inshuwaransi yotsika mtengo yotsika mtengo ku Chicago. Geico ndi Mercury amapereka inshuwaransi yonse yagalimoto m’dera la Chicago ndi mitengo yapakati yochepera $1,200 pachaka, kutengera kafukufuku wa Bankrate. Pafupi ndi mitengo iwiriyi ndi Secura, State Farm, ndi Erie.

Mtengo wapakati wa inshuwaransi yonse yamagalimoto ku Chicago ndi $2,069 pachaka, zomwe zimagwira mpaka $172 pamwezi. Inshuwaransi yochepa yamagalimoto m’boma imawononga pafupifupi $627 pachaka.

Makampani otsika mtengo a inshuwaransi yamagalimoto ku Chicago

Geico, Mercury, ndi Secura anali ndi ndalama zotsika kwambiri pachaka zogulira zonse, malinga ndi kusanthula kwathu mitengo kuchokera ku Quadrant Information Services. Bankrate idawerengeranso zomwe bankiyo idapeza pakampani iliyonse yomwe idawunikiridwa pamlingo wa mfundo zisanu pogwiritsa ntchito zidziwitso zochokera ku mabungwe ena apa intaneti monga JD Power, AM Best, S&P, National Association of Insurance Commissioners (NAIC), ndi Moody’s. Ngakhale kukhutitsidwa kwamakasitomala komanso mphamvu zandalama ndi zina mwazinthu zazikulu zomwe zikuphatikizidwa pakusanjikiza kwathu, timaganiziranso za kuthekera, njira zopezera, ndi zida za digito pakuwongolera mfundo ndi zodandaula. Izi zitha kuthandiza madalaivala kupanga zisankho mwachangu komanso mozindikira akafuna inshuwaransi yotsika mtengo kwambiri ku Illinois ndi Chicago.

Gekko 4.7 847/1,000 $1,152 $312
Mercury 4.2 osasankhidwa mtengo 1194 USD $335
sikora 4 osasankhidwa $1,358 $374
state farm 4.7 848/1000 $1,373 $421
Erie 4.6 876/1000 $1,386 $696

Gekko

Geico ndi kampani ya inshuwaransi ya mayina apanyumba komanso imodzi mwamakampani omwe ali ndi ndalama zambiri za inshuwaransi zamagalimoto kunja uko. Imapereka zosankha zolimba zamapulogalamu amtundu wapaintaneti kwa omwe ali ndi ndalama zawo komanso ndalama zochepa pachaka za inshuwaransi yamagalimoto. Ngakhale pali mfundo zambiri zomwe Geico amakondera, ena amapeza kuti imapereka njira zowonjezera zowonjezera kuposa ena omwe akupikisana nawo.

Dziwani zambiri: Ndemanga ya Inshuwalansi ya Geico

Mercury

Kupereka ena mwamitengo yotsika kwambiri pamndandanda wathu wadera la Chicago, Mercury yakhala mubizinesi ya inshuwaransi kwazaka zopitilira 60. Amapereka mitengo yampikisano komanso zida za digito zowongolera mfundo ndikusunga kukhalapo kwaothandizira amderalo m’magawo omwe amatumikiridwa. Tsoka ilo, Mercury pakadali pano imagwira ntchito m’maboma 11 okha ndipo sikugulitsa inshuwaransi yamagalimoto kunja kwa mayiko amenewo.

Dziwani zambiri: Ndemanga ya inshuwaransi ya Mercury

sikora

Secura ndi kampani ya inshuwaransi yodziwika bwino, koma ikhoza kukhala mpikisano wamphamvu kwa madalaivala ena. Nthawi zambiri, Secura imapereka mitengo yotsika, ndipo kampaniyo imanyadira kukhalabe ndi udindo wapamwamba pagulu. Ngakhale kampaniyo ikupereka mitengo yampikisano pamalamulo ophatikizika, imangogulitsanso mfundo zomangika. Madalaivala sangapeze inshuwalansi ya galimoto ya Secura paokha, m’malo mwake amayenera kuigwirizanitsa ndi inshuwalansi ya nyumba.

Dziwani zambiri: Ndemanga ya Inshuwaransi ya Secura

state farm

State Farm idalandira mphotho ya 2021 Bankrate Auto, Home, and Life Insurance m’mbuyomu, chifukwa cha kuchuluka kwa ntchito zamakasitomala, mitengo yampikisano, zida zowongolera mfundo za digito, ndi othandizira omwe akupezeka. Komabe, ngakhale pali zabwino zambiri za kampaniyo, palibe 24/7 ntchito yamakasitomala yomwe ilipo.

Dziwani zambiri: Ndemanga ya inshuwaransi ya boma

Erie

Erie ali ndi mitengo yochulukirapo kuposa ena mwa ena omwe ali pamndandanda wathu, koma amapikisanabe kwambiri motsutsana ndi avareji ya dziko lonse komanso pafupifupi dziko lonse. Kuphatikiza apo, kampaniyi idalandira zambiri mu 2022 JD Power Study on Customer Satisfaction. Komabe, Erie Inshuwalansi imapezeka m’maboma 12 okha ndipo ili ndi njira zochepa zoyendetsera ndondomeko ndi zodandaula pa intaneti kapena kudzera pa mafoni.

Dziwani zambiri: Ndemanga ya inshuwaransi ya Erie

Momwe mungapezere ndikusunga inshuwaransi yotsika mtengo kwambiri ku Chicago

Kupatula ndemanga zosakatula, nawa maupangiri ndi zidule zokuthandizani kupeza ndikukhalabe ndi inshuwaransi yotsika mtengo yamagalimoto ku Chicago.

  • Gulani pakati pa makampani a inshuwaransi. Pofufuza ndondomeko yatsopano, zingathandize kupempha ndalama kuchokera kumakampani angapo. Kuyang’ana mitengo yapakati ndiyothandiza, koma kungakhale kovuta chifukwa mitundu yambiri yamunthu imayamba kuwerengera kuchuluka kwa munthu aliyense. Mwa kukoka mawu angapo kutengera zomwe mukudziwa, mutha kudziwa kuti ndi kampani iti yomwe ingakupatseni inshuwaransi yotsika mtengo kwambiri yamagalimoto.
  • Kuyendetsa mwanzeru komanso kotetezeka. Kusunga mbiri yaukhondo yoyendetsa galimoto ndi imodzi mwa njira zowongoka kwambiri zosungira zotsika mtengo. Mukapewa kuphwanya malamulo mochulukira, mitengo yanu imatsika. Pali malire pa izi, ndipo zimasiyana pakati pa makampani, koma kawirikawiri, makampani a inshuwalansi amalipira malipiro ochepa kwa madalaivala omwe sakhala ndi ngozi kapena kutenga matikiti. Kuphatikiza apo, makampani ambiri a inshuwaransi amapereka kuchotsera kwa madalaivala omwe sanapereke chindapusa pazaka ziwiri kapena zitatu zapitazi.

Mafunso Ofunsidwa Kawirikawiri

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