Chithunzi chosonyeza zinthu zosiyanasiyana zomwe zimakhudza mitengo ya inshuwaransi yamagalimoto.

Inshuwaransi Yagalimoto Yamasewera: Kufunika ndi Mtengo (2022)

Palibe kukayikira kuti kuyendetsa galimoto yamasewera kungakhale kosangalatsa, koma kutsimikizira galimoto yapamwamba, yamphamvu kungakhale kokwera mtengo. Makampani a inshuwaransi amawona magalimoto amasewera ngati magalimoto owopsa kwambiri chifukwa chamayendedwe osatetezeka omwe amawalimbikitsa. Magalimoto amasewera amatanthauzanso mtengo wokwera chifukwa zida zogwira ntchito kwambiri ndizokwera mtengo kuzisintha.

Tafufuza za Guides Auto Team ndikuyikapo Makampani abwino kwambiri a inshuwaransi yamagalimoto Kukuthandizani kupeza machesi yabwino kwa SUV Kuphunzira zosowa zanu. Munkhaniyi, tiwunikira opereka awa ndikugawana maupangiri ochepetsera mtengo wa inshuwaransi yagalimoto yanu.

Ndi magalimoto ati omwe ali oyenerera kukhala magalimoto amasewera?

Magalimoto okhala ndi mahatchi okwera kwambiri, mipando iwiri, komanso kukula kocheperako kuposa ma sedan wamba nthawi zambiri amatengedwa ngati magalimoto amasewera ndi ma inshuwaransi. Makampani ena amatha kuyika mitundu ina mosiyanasiyana, koma magalimoto omwe ali ndi mikhalidwe iyi amakonda kugwera m’gulu lamasewera. Ngati simukudziwa ngati galimoto yanu imatengedwa ngati galimoto yamasewera, ndi bwino kufunsa kampani yanu ya inshuwalansi kuti ikufotokozereni.

Pali magulu ambiri amasewera magalimoto. Mitundu ina kuchokera ku Toyota, Honda, Subaru, ndi opanga ena otchuka amatha kuonedwa ngati magalimoto otsika mtengo paza inshuwalansi. Odziwika bwino zitsanzo monga Chevrolet Camaro, Chevrolet Corvette, Ford Mustang, ndi Dodge Challenger akhoza kuonedwa chapakatikati mlingo masewera magalimoto. Ngakhale amagawidwa ngati magalimoto amasewera, magalimotowa nthawi zambiri safuna kulumikizidwa kwina kuposa zomwe zimafunikira.

Kwa magalimoto apamwamba amasewera, zosowa za inshuwaransi ndizosiyana pang’ono. Magalimoto apamwamba kwambiri ochokera kwa opanga monga Ferrari, Lamborghini, Porsche, ndi ena nthawi zambiri amafunikira kuphimba kosiyana ndi momwe onyamulira wamba angapereke. Mungafune kugula inshuwaransi yamagalimoto kudzera pa chonyamulira chamtengo wapatali chomwe chimagwira ntchito zamagalimoto apamwamba kwambiri kuti muteteze ndalama zanu.

Ndi inshuwaransi yanji yamagalimoto yomwe mukufuna?

Pafupifupi dziko lililonse limafuna kuvulaza thupi ndi kuwonongeka kwa katundu Inshuwaransi yamilandu Kulipira ndalama za maphwando ena pa ngozi zomwe zachitika chifukwa cha iwo. Ngati muli ndi ndalama zagalimoto yanu yamasewera, wobwereketsa angafune kuti mutengere kugundana komanso kuphimba kwathunthu. Inshuwaransi yakugunda Amalipira kukonza galimotoyo pangozi, mosasamala kanthu kuti wolakwa ndi ndani. Kuphunzira kwathunthu Imateteza galimoto yanu kuti isawonongeke popanda ngozi, kuphatikizapo kuwonongeka kwa chilengedwe, kuwononga, ndi kuba.

Mudzafunanso kuganizira zachitetezo cha kuvulala kwanu komanso kubisalira malire mu inshuwaransi yamagalimoto anu, inunso. Kutetezedwa kwa anthu ovulala kumathandizira kulipira ndalama zolipirira inu ndi okwera nawo mosasamala kanthu kuti ndi ndani amene adalakwa pangozi. Inshuwaransi ya Gap Imalipira mtengo wagalimoto yolowa m’malo ngati itatayika kwathunthu.

Inshuwaransi kwa madalaivala opanda inshuwaransi Ndi mtundu wina wa Kuphunzira kuti muyenera kuganizira monga latsopano kapena ntchito masewera galimoto mwini. Izi zimakutetezani ngati mutachita ngozi ndi dalaivala yemwe alibe inshuwalansi kapena ndalama zokwanira zogulira.

Kodi inshuwaransi yamagalimoto amawononga ndalama zingati?

Ngati mumayendetsa galimoto yamasewera kapena coupe, mutha kuyembekezera kulipira ndalama zoposa $1,730 pachaka kapena $144 pamwezi kuti mupeze inshuwaransi yonse. Zomwe mumalipira zimadalira zinthu zambiri, kuphatikizapo izi:

  • galimoto chitsanzoMtundu weniweni wa galimoto yamasewera yomwe mumayendetsa imakhala ndi gawo lalikulu pakuzindikira mitengo ya inshuwaransi yagalimoto. Magalimoto ambiri amasewera (makamaka apamwamba) amakhala ndi mtengo wapamwamba kwambiri kuposa ma sedan wamba, kotero mutha kuyembekezera zolipirira zapamwamba.
  • TsambaMayiko omwe ali ndi kuchuluka kwa anthu komanso kuchuluka kwa magalimoto nthawi zambiri amakhala ndi mitengo ya inshuwaransi yapamwamba kwambiri.
  • zakaMadalaivala achichepere nthawi zambiri amalipira mitengo ya inshuwaransi yapamwamba, koma izi zimawonekera kwambiri pankhani yamagalimoto amasewera. Madalaivala osadziwa amakhala ndi ngozi zoyendetsa galimoto iliyonse, ndipo ngoziyo imawonjezeka akakhala kumbuyo kwa galimoto yamphamvu yopangidwa kuti iziyenda mofulumira.
  • BanjaMadalaivala apabanja nthawi zambiri amalipira ndalama zochepa pa inshuwalansi ya galimoto.
  • Mbiri yoyendetsaMulipira zambiri za inshuwaransi yamagalimoto ngati muli ndi mbiri yabwino yoyendetsa popanda ngozi, matikiti osuntha, kapena kukhudzidwa kwa DUI.
  • Mbiri yakaleMayiko ambiri amaphatikiza ngongole zanu mumalipiro a inshuwaransi yagalimoto yanu. Kutsika kwapang’onopang’ono kumapangitsa kuti anthu azipeza ndalama zambiri.
  • kugonanaJenda zomwe zalembedwa pa laisensi yanu zidzakhudza mtengo wa inshuwaransi yanu, popeza amuna amalipira ndalama zambiri kuposa akazi.

Njira yabwino yopezera inshuwalansi yotsika mtengo, ziribe kanthu mtundu wa galimoto yomwe mumayendetsa, ndi Yerekezerani mitengo ya inshuwaransi yagalimoto kuchokera kwa opereka angapo. Makampani ambiri amapangitsa kuti zikhale zosavuta kupeza zolemba zaulere pa intaneti ndi zambiri zagalimoto yanu, momwe mumayendetsa, komanso kuchuluka kwa anthu.

Malangizo opulumutsa pamitengo ya inshuwaransi yagalimoto yamasewera

Pali njira zingapo zomwe mungachepetse mtengo wa inshuwaransi yagalimoto yamasewera. Nawa malangizo omwe mungatenge Inshuwaransi yagalimoto yotsika mtengo kwambiri:

  • Yang’anani kuchotseraKuchotsera komwe kulipo kumasiyanasiyana ndi omwe amapereka, koma nthawi zambiri mumatha kumasula ndalama zokhala ndi mfundo zingapo, kuphimba magalimoto ambiri, kukhala wophunzira wabwino, kulembetsa kuti muzilipira zokha, komanso kumaliza maphunziro oyendetsa galimoto odzitchinjiriza. Onetsetsani kuti mufunsane ndi wothandizira inshuwalansi kuti muwone kuchotsera komwe mukuyenerera.
  • Yendetsani bwinobwinoOmwe ali ndi mbiri yoyendetsa bwino amalipira mitengo yotsika kwambiri. Pewani ngozi ndi matikiti othamanga kwambiri kapena lembani pulogalamu yoyendetsera galimoto yotetezeka yomwe imafotokoza zomwe mumachita bwino kwa omwe akukupatsani inshuwaransi. Onse akhoza kukulitsa mwayi wanu wopeza mitengo yotsika.
  • Ikani zida zothana ndi kuba: Njira yabwino yopulumutsira inshuwalansi Ziribe kanthu mtundu wa galimoto yomwe mumayendetsa, zipangizo zotetezera ndizofunika kwambiri kuposa magalimoto amasewera. Ndikoyenera kufunsa wothandizira inshuwalansi za ndalama zapadera zomwe zimagwiritsidwa ntchito poletsa kuba.

Makampani athu apamwamba a inshuwaransi yamagalimoto

Pakuwunika kwathu makampani a inshuwaransi yamagalimoto, State Farm, USAA, ndi Geico adadziwika kuti angasankhe, kukwanitsa, komanso ntchito zamakasitomala.

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

#1 State Farm: Chosankha cha Mkonzi

State Farm, kampani yotchuka ya inshuwaransi yamagalimoto ku United States, imapereka mitengo ina yabwino kwambiri pamsika. Pulogalamu ya State Farm’s Drive Safe & Save™ imalola madalaivala kuti atsegule kuchotsera mpaka 30% kuti asunge mayendedwe otetezeka. Kampaniyo imaperekanso kuchotsera pazinthu zina zachitetezo, ophunzira abwino, komanso kumaliza maphunziro oyendetsa galimoto odzitchinjiriza.

State Farm imanyadira kusiyana kwake A++ Mphamvu zandalama zochokera ku AM Best. Kampaniyonso ndi eni ake A + Mavotiwo akuchokera ku Better Business Bureau (BBB).

Werengani pa: Ndemanga ya inshuwaransi ya boma

#2 USAA: Mitengo yotsika ya Asilikali

USAA imapereka mitengo yotsika ya inshuwaransi kwa mitundu yonse ya madalaivala ndi magalimoto. Komabe, mapulani ake amapezeka kwa mamembala ankhondo, omenyera nkhondo, ndi mabanja awo apafupi. USAA imadziwika ndi ntchito zabwino kwambiri zamakasitomala ndipo imapereka njira zingapo zowunikira. SafePilot® Ndi pulogalamu yamakampani yomwe imagwiritsa ntchito, yomwe imapezeka m’maboma 37 ndipo imapereka mphotho pamagalimoto otetezeka.

Mumalandira USAA A++ Kuchokera ku AM Best for Financial Strength. Ndi mbiri yabwino yamakampani komanso kufalikira kwabwino, ndi chisankho chanzeru kwa iwo omwe ali oyenerera.

Werengani pa: USAA Insurance Review

#3 Geico: Yotsika mtengo kwa madalaivala ambiri

Geico ndi kampani ina yodziwika bwino ya inshuwaransi yomwe imapereka njira zingapo zothandizira, kuchotsera zambiri, komanso mitengo yotsika mtengo. DriveEasy kwa kampani® Pulogalamuyi ikupezeka m’maboma 28 ndipo imatha kuchepetsa ndalama za inshuwaransi poyendetsa bwino. Geico imapereka kuchotsera mpaka 26% kwa oyendetsa bwino komanso kuchotsera komweko kwa makasitomala omwe ali ndi magalimoto ambiri ophimbidwa.

Geico akugwira Mphamvu yachuma A++ Kuchokera ku AM Best ndi A + mlingo kuchokera ku BBB.

Werengani pa: Ndemanga ya Inshuwalansi ya Geico

Inshuwaransi yamagalimoto amasewera: kumaliza

Ngakhale inshuwaransi yamagalimoto yamasewera imatha kukhala yokwera mtengo, kugula zinthu mozungulira kungakuthandizeni kuti mutsegule mitengo yotsika mtengo kwambiri yagalimoto yamagalimoto. Gulu lathu limalimbikitsa kulumikizana ndi makampani angapo kuti mupeze ndalama za inshuwaransi yamagalimoto kuti mufananize mtengo wanu ndi njira zopezera.

Inshuwaransi yamagalimoto amasewera: malangizo

Njira yathu

Chifukwa ogula amadalira ife kuti tipereke zidziwitso zolondola komanso zolondola, tapanga dongosolo lathunthu lowongolera kuti tipange masanjidwe athu amakampani apamwamba kwambiri a inshuwaransi yamagalimoto. Tasonkhanitsa zambiri zamakampani ambiri omwe amapereka inshuwaransi yamagalimoto kuti tiyike makampani malinga ndi kuchuluka kwa mavoti. Chotsatira chake chinali chiwerengero chonse cha wothandizira aliyense, ndi makampani a inshuwalansi omwe adapeza mfundo zambiri zomwe zikubwera pamwamba.

Nazi zinthu zomwe mavoti athu amaganizira:

  • Mtengo (30% ya digiri yonse): Kuyerekeza kwa mitengo ya inshuwaransi yamagalimoto yopangidwa ndi mautumiki a chidziwitso chambiri komanso mwayi wochotsera adaganiziridwa.
  • Kufikira (30% ya zigoli zonse): Makampani omwe amapereka njira zosiyanasiyana zothandizira inshuwalansi amatha kukwaniritsa zosowa za ogula.
  • Mbiri (15% ya zigoli zonse)Gulu lathu lofufuza lidawona gawo la msika, mavoti kuchokera kwa akatswiri amakampani, komanso zaka zabizinesi popereka izi.
  • Kupezeka (10% ya zigoli zonse)Makampani a inshuwaransi yamagalimoto omwe ali ndi kupezeka kwambiri mdziko muno komanso zofunikira zochepa zakuyenerera zomwe zidapambana kwambiri mgululi.
  • Makasitomala (15% ya zigoli zonse): Izi zimachokera ku kuchuluka kwa madandaulo omwe NAIC adanenera komanso kukhutitsidwa kwamakasitomala zomwe zidanenedwa ndi JD Power. Tidaganiziranso za kulabadira, kucheza, komanso kuthandiza kwa gulu lililonse lamakampani a inshuwaransi potengera kusanthula kwathu kwa ogula.

* Kulondola kwa data panthawi yofalitsidwa.

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