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

Inshuwaransi Yamagalimoto Obwereketsa (2022)

Ngati mukuyang’ana galimoto yatsopano pamsika, mungaganizire kubwereketsa m’malo mogula. Pali zabwino zina pakubwereketsa, koma muyeneranso kudziwa zofunikira za inshuwaransi yagalimoto zomwe muyenera kuzikwaniritsa mukabwereka galimoto. Kutengera ndi kampani yanu yobwereketsa, mudzafunika kugula zina zowonjezera.

Munkhaniyi, gulu lowunika za Home Media lifotokoza zofunikira za inshuwaransi zomwe zimabwera ndikubwereka galimoto yatsopano. Tikambirana ubwino ndi kuipa kwa kubwereketsa m’malo kugula galimoto ndi Kuphunzira Makampani abwino kwambiri a inshuwaransi yamagalimoto Kukuthandizani kuyang’ana msika wogulitsa magalimoto.

Zoyambira zobwereketsa magalimoto

Kubwereketsa galimoto yatsopano ndikubwereka kwa nthawi yodziwikiratu. Zobwereketsa zambiri zimakhala pakati pa zaka ziwiri kapena zinayi. Mumalipira pamwezi ndikubwerera kapena kugula galimotoyo kumapeto kwa nthawi yobwereketsa.

Mapangano obwereketsa magalimoto amabwera ndi malire apachaka, nthawi zambiri 12,000 mpaka 15,000 mailosi. Kupyola malirewa kudzabweretsa ndalama zowonjezera kumapeto kwa kubwereketsa, kapena mukhoza kulipira ndalama zowonjezera pa nthawi yobwereketsa.

Ubwino ndi kuipa kobwereketsa magalimoto

Pali zabwino ndi zovuta zomwe zimabwera ndi kubwereka galimoto yatsopano. Nazi zina zomwe muyenera kuziganizira pogula galimoto motsutsana ndi kubwereka galimoto:

Inshuwaransi yagalimoto yamagalimoto obwereketsa

Inshuwaransi yagalimoto yobwereketsa imabwera ndi zofunikira zina zingapo, koma sizosiyana kwambiri ndi zomwe mukufuna mukagula galimoto yatsopano. Muyenera kukumana ndi malire Kuphunzira m’dera lanu komanso zofunika zilizonse zimene kampani yobwereka.

Dziko lirilonse liri ndi ngongole yake yocheperako yowononga katundu ndi zomwe zimafunika kuti ziwonongeke. Inshuwaransi yamtundu uwu imalipira kuwonongeka kwa katundu wa anthu ena ndi ndalama zachipatala pamene mwalakwa pa ngozi. Makampani ena obwereketsa angafunike kuti mukhale ndi inshuwaransi yazambiri zomwe zimaposa zomwe boma likuyenera kuchita, kuphatikiza chindapusa cha madalaivala opanda inshuwaransi komanso opanda inshuwaransi.

Kuphunzira kwina kwa magalimoto obwereka

Pankhani yobwereketsa galimoto, wobwereketsa amafunikiranso chitetezo pazachuma chawo. Popeza kampani yobwereketsa ndiyomwe ili ndi galimotoyo, muyenera kuyilemba ngati gulu lowonjezera la inshuwaransi komanso wolipira pakutayika. Makampani ambiri obwereketsa adzakufunsani kuti muzichita kugundana ndi kufalitsa kwathunthu kuwonjezera pa zomwe boma limafunikira. Wobwereketsa amalandira malipiro aliwonse a inshuwaransi chifukwa cha kuwonongeka kwa galimotoyo.

Nazi zitsanzo za ndalama zomwe mgwirizano wanu wobwereka ungafune:

  • Inshuwaransi yakugunda Imateteza kuwonongeka kwa galimoto yanu chifukwa cha ngozi, mosasamala kanthu kuti ndi ndani amene ali ndi vuto.
  • Kuphunzira kwathunthu Zimakutetezani ku zowonongeka zomwe zimachitika chifukwa cha masoka achilengedwe, kuba, kuwononga zinthu, kugwa kwa zinthu ndi ngozi zina zosakhudzana ndi kugunda.
  • Inshuwaransi ya Gap Kampani yobwereka ingafunenso. Kuphunzira kumeneku kumalipira kusiyana pakati pa ndalama zomwe zabwerekedwa ndi mtengo weniweni wa galimotoyo pakatayika kwathunthu. Ngati mukusowa inshuwaransi ya gap, mutha kukhala ndi mwayi wolipirira chiwongola dzanja ngati chindapusa chanthawi imodzi m’malo mowonjezera ku ndondomeko yanu.

Kodi inshuwaransi yagalimoto imawononga ndalama zingati?

Mukamayang’ana inshuwaransi yagalimoto yagalimoto yanu yobwereketsa, mungafunike chiwongolero chathunthu chomwe chimaphatikizapo kutetezedwa komanso kugundana ndi inshuwaransi yonse. Mtengo wa inshuwaransi wadziko lonse pazantchito zonse ndi $1,730 pachaka kapena $ 144 pamwezi.

Komabe, mtengo umene mumalipira pa ndondomekoyi umasiyana mosiyanasiyana malinga ndi woperekayo amene mwasankha, dziko limene mukukhala, mbiri yanu yoyendetsa galimoto ndi zina zambiri. Onani tebulo ili m’munsili kuti mudziwe kuchuluka kwa ndalama zomwe zimawononga ndalama zambiri kuchokera kwa opereka chithandizo chapamwamba m’dziko lonselo.

Zithunzi zosonyeza zinthu zomwe zimakhudza mtengo wa inshuwalansi ya galimoto

Kaya mwasankha kubwereka kapena kugula galimoto yatsopano, muli ndi zambiri zomwe mungachite pankhani yaukadaulo wamagalimoto. Nazi zosankha zathu zapamwamba za opereka inshuwaransi kutengera njira zopezera, mitengo, komanso kukhutira kwamakasitomala:

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

#1 State Farm: Chosankha cha Mkonzi

Bizinesi Yabwino Kwambiri (BBB) ​​rating: A +

Mtengo wabwino kwambiri wazachuma kuchokera ku AM: A++

State Farm imapereka kuchotsera kosiyanasiyana, kuphatikiza kupulumutsa pogwiritsa ntchito mapulogalamu awiri osiyanasiyana. Pulogalamu yakampani ya Drive Safe & Save™ imapatsa makasitomala mayendedwe otetezeka a makasitomala m’maboma 47 – California, Massachusetts ndi Rhode Island. Malangizo ake ndi omveka bwino® Pulogalamuyi idapangidwa kuti izithandiza madalaivala achichepere osakwanitsa zaka 25 kukhala ndi chizolowezi choyendetsa bwino. State Farm imakhalanso yapamwamba pakukhutira kwamakasitomala m’malo ambiri ku United States JD Power 2022 US Auto Insurance Study℠.

Werengani pa: Ndemanga ya inshuwaransi ya boma

#2 USAA: Mitengo yotsika ya Asilikali

Mtengo wa BBB: A +

Mtengo wabwino kwambiri wazachuma kuchokera ku AM: A++

Inshuwaransi yamoto ya USAA imangopezeka kwa asitikali okhazikika, omenyera nkhondo, ndi mabanja awo. Ngati mukuyenerera mapulani akampani, mupeza chithandizo chabwino pamitengo yotsika mtengo. Ma marks apamwamba a USAA kuchokera ku BBB ndi AM Best akuwonetsa mbiri yolimba yamakampani. Kampaniyo nthawi zambiri imakhala ndi ziwongola dzanja zapamwamba kwambiri zamakasitomala pakati pamakampani onse a inshuwaransi m’maphunziro angapo a JD Power.

Werengani pa: USAA Insurance Review

#3 Geico: Yotsika mtengo kwa madalaivala ambiri

Mtengo wa BBB: A +

Mtengo wabwino kwambiri wazachuma kuchokera ku AM: A++

Geico ndichisankho chabwino kwa madalaivala ambiri chifukwa chamitundu yosiyanasiyana yofikira komanso Inshuwaransi yagalimoto yotsika mtengo mitengo. Malinga ndi kuyerekezera kwathu, madalaivala azaka 35 omwe ali ndi ngongole yabwino komanso mbiri yabwino yoyendetsa galimoto amalipira pafupifupi $1,308 pachaka, pafupifupi, kuti apeze ndalama zonse kuchokera ku Geico. Pafupifupi 27% pansi pa chiwerengero cha dziko lonse, ichi ndi chimodzi mwa mitengo yotsika kwambiri ya opereka chithandizo m’dziko lonselo. Geico imaperekanso kuchotsera kosiyanasiyana komwe kumatha kutsitsa zolipirira pamwezi mopitilira, kuphatikiza kusungitsa oyendetsa otetezeka, ophunzira, ndi madalaivala abwino omwe amatolera mfundo.

Werengani pa: Ndemanga ya Inshuwalansi ya Geico

Inshuwaransi Yagalimoto Yobwereketsa: Mapeto

Ngati mwasankha kubwereka galimoto, mudzakhala ndi njira zingapo zogulira mfundo zotsika mtengo kuti mukwaniritse zomwe kampani yanu yobwereka imafunikira. Gulu lathu limalimbikitsa kulumikizana ndi othandizira angapo kuti mupeze chithandizo chaulere Mitengo ya inshuwaransi yagalimoto Ndipo yerekezerani zosankha zanu.

Inshuwaransi yamagalimoto yobwereketsa: 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 chiwongolero chonse kwa wothandizira aliyense, ndi makampani a inshuwaransi omwe adapeza mfundo zambiri pamndandanda.

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 kuyankha, ubwenzi, komanso kuthandiza kwa gulu lililonse lamakampani a inshuwaransi potengera kusanthula kwathu kwa ogula.

* Kulondola kwa data panthawi yofalitsidwa.

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