Munthu wachisoni pagalimoto yong'ambika.

Inshuwaransi yamagalimoto: mtengo wapakati mu 2022

Vera_Petrunina/Getty Images/iStockphoto

Mukukhulupirira kuti simuyenera kuyigwiritsa ntchito, koma inshuwaransi yagalimoto ndiyofunikira pafupifupi m’boma lililonse. New Hampshire ndi yokhayo yosiyana ndi lamuloli, koma madalaivala omwe achoka pachitetezo ayenera kutsimikizira kuti ali ndi ndalama kuti akwaniritse zofunikira zachuma za boma ngati ayambitsa ngozi.

Werengani: Ngati ngongole yanu ili pansi pa 740, tsatirani izi 4 tsopano

Ndiye, inshuwaransi yagalimoto ndi ndalama zingati pamwezi? Nambala iyi idzakhala yosiyana kwa aliyense, chifukwa zosintha zambiri zitha kukhudza malipiro anu a inshuwaransi yamagalimoto, kuphatikiza galimoto yanu, momwe mumayendera, kuchuluka kwa anthu ndi zomwe mumapeza, malinga ndi Allstate.

Bonasi kupereka: Tsegulani akaunti yatsopano ya Citi Priority pofika 9/1/23 ndikupeza mphotho ya ndalama zokwana $2,000 mukamaliza ntchito zofunika.

Mtengo wapakati wa inshuwaransi yagalimoto

Mtengo wapakati wa inshuwaransi yamagalimoto ku United States ndi $124 pamwezi kapena $1,483 pachaka, malinga ndi The Zebra. Inde, monga tafotokozera pamwambapa, ndalama zomwe mudzalipira zidzasiyana malinga ndi zinthu zambiri, kuphatikizapo kuchuluka kwa chithandizo chomwe mungasankhe.

Dziko lirilonse liri ndi chiwerengero chochepa cha inshuwalansi ya galimoto yomwe madalaivala amayenera kunyamula. Mayiko ambiri ali ndi chiwongola dzanja chocheperako, ndipo mayiko ena amafunikiranso chithandizo chowonjezera, kuphatikiza chitetezo chamunthu kapena chitetezo chopanda inshuwaransi / chopanda inshuwaransi.

Tawonani mayiko omwe ali ndi ndalama zotsika mtengo komanso zodula kwambiri za miyezi isanu ndi umodzi komanso zolipira zonse, malinga ndi The Zebra.

Mayiko omwe ali ndi ndalama zochepera kuti athandizidwe

chikhalidwe Kufunika kochepera kwa miyezi isanu ndi umodzi
Inde $150
South Dakota $158
Vermont $166
Wyoming $167
Ohio $174
Wisconsin $181
New Hampshire $185
North Dakota $190
Virginia $197
Idaho $199
Tennessee $199
North Carolina $201

Mayiko omwe ali ndi ndalama zotsika mtengo kwambiri za inshuwaransi

chikhalidwe Kuphunzira kwathunthu kwa miyezi isanu ndi umodzi
Ohio $463
New Hampshire $480
North Carolina 505 mapaundi
Virginia $513
Vermont $528
Hawaii $540
Wisconsin $540
WHO $550
Inde $575
Indiana $594
Washington 604 ndalama
Idaho $628

Bonasi kupereka: Pezani akaunti yochezera yomwe ikugwirizana ndi moyo wanu. Perekani bonasi ya $100 kwamakasitomala atsopano ochezera.

Mayiko omwe ali ndi malipiro okwera mtengo kwambiri ocheperako

chikhalidwe Kufunika kochepera kwa miyezi isanu ndi umodzi
Michigan $613
fl $539
Louisiana $483
Rhode Island $451
nv $437
Delaware $436
New York $417
Kentucky $388
New Jersey $371
Connecticut $360
Arizona $334
Maryland $333

Mayiko omwe ali ndi malipiro a inshuwaransi okwera mtengo kwambiri kuti apezeke mokwanira

chikhalidwe Kuphunzira kwathunthu kwa miyezi isanu ndi umodzi
Michigan $1,267
fl mtengo 1162 Dollar US
Louisiana $1,152
Rhode Island $937
Kentucky $925
California $911
nv $872
Arkansas $851
Colorado $849
New York $846
Missouri $844
Delaware 808 kodi

Kotero, ngati mukudabwa “Kodi $ 200 pamwezi ndi zambiri za inshuwalansi ya galimoto?” Yankho ndi lakuti inde. Pamene waphwanyidwa kukhala malipiro a mwezi uliwonse, pafupifupi mtengo wamtengo wapatali wa inshuwalansi ya galimoto ndi ndalama zomwezo m’madera atatu.

Mitengo ya inshuwaransi yagalimoto malinga ndi zaka

Kodi malipiro apamwezi a inshuwaransi yagalimoto ndi zingati? Monga tanenera kale, chiwerengerochi chimasiyana munthu ndi munthu.

Komabe, zaka ndi chinthu chimodzi chomwe chimakhudza mitengo ya inshuwaransi yamagalimoto. Madalaivala achichepere ndi achikulire amakonda kulipira kwambiri, pamene ena mwa iwo nthaŵi zambiri amalipira mitengo yochepa.

Nayi kuyang’ana pafupifupi mtengo wa inshuwaransi yamagalimoto ndi magulu azaka, malinga ndi kafukufuku wochokera ku The Zebra.

Gulu la zaka Miyezi isanu ndi umodzi mtengo pamwezi
16-19 $2,286 $381
20-29 $943 $157
30-39 $724 $121
40-49 $697 $116
50-59 $649 108 kodi
60-69 $658 $110
70-79 $762 $127
80-85 $882 $147

Bonasi kupereka: Bank of America $100 bonasi yopereka pamaakaunti atsopano apa intaneti. Onani tsamba kuti mumve zambiri.

Monga mukuonera, zaka sizikuwoneka kuti zimakhudza kwambiri mitengo ya inshuwalansi ya galimoto-kupatulapo oyendetsa achinyamata.

Zoonadi, mitengo yomwe ili pamwambayi ndi chiwerengero cha mayiko. Mayiko ena ali ndi mitengo yapamwamba kwambiri yamagulu azaka izi, pomwe ena amakhala otsika.

Mwachitsanzo, ngati mukuyesera kudziwa “Kodi inshuwalansi ya galimoto imawononga ndalama zingati ku Connecticut kwa mwana wazaka 17?” Mutha kukhala ndi chodabwitsa chosangalatsa.

Geico imapereka inshuwaransi yotsika mtengo kwambiri kwa oyendetsa achinyamata m’boma, malinga ndi US News. Atsikana achichepere amalipira chiwongola dzanja chapachaka cha $2,697 — $224.75 pamwezi — pomwe mitengo yapakati imakhala yokwera kwambiri kwa anyamata pa $3,138 pachaka — $261.50 pamwezi.

Kumbali ina, ngati mukuyesera kudziwa kuti “inshuwaransi yagalimoto ili bwanji ku Pennsylvania kwa mwana wazaka 22,” mutha kupeza kuti mukulipira motsutsana ndi dziko lonse. Makamaka, madalaivala aku Pennsylvania omwe ali ndi zaka za m’ma 20 amasangalala ndi malipiro a inshuwaransi apachaka a $1,789.79 — $149.90 pamwezi — malinga ndi The Zebra.

Makampani a inshuwaransi yamagalimoto otsika mtengo

Akafunsidwa funso “Kodi inshuwalansi ya galimoto imawononga ndalama zingati pamwezi?” Mudzapeza kuti izi zimasiyana kwambiri ndi kampani. Chifukwa chake, ndikofunikira kuti mugule mozungulira kuti mupeze mitengo yabwino kwambiri kwa inu.

Mungapeze kuti mnzanu wa ziŵerengero zofanana za anthu m’dera lanulo amalandira chiwongola dzanja chochepa cha inshuwalansi ya galimoto kuchokera ku kampani inayake kuposa inu. Mwachitsanzo, pafupifupi, inshuwaransi yotsika mtengo yamagalimoto oyendetsa bwino ndi Geico, koma ngati mutapeza tikiti yothamanga, State Farm imapereka mitengo yotsika kwambiri, malinga ndi US News.

Komabe, makampani ena a inshuwaransi yamagalimoto amakhala ndi mitengo yotsika kuposa ena. Nayi kuyang’ana pamitengo yapakati pa inshuwaransi yamagalimoto apachaka, malinga ndi US News.

kampani mtengo pachaka
dziko lonse $2,047
alimi $1,917
mwapang’onopang’ono $1,533
Banja la America $1,372
apaulendo $1,371
kudziko lonse $1,327
state farm $1,267
Gekko $1,148
United States of America 1000 dollars

Makampani abwino kwambiri a inshuwaransi yamagalimoto

Mukamagula inshuwalansi ya galimoto, mtengo udzakhala wofunikira kwambiri. Komabe, sikuyenera kukhala kusintha kokha komwe kuli kofunikira.

Ngati mukufuna kugwiritsa ntchito inshuwaransi yanu, mudzafunika kampani yomwe ipangitsa kuti ntchitoyi ikhale yosavuta momwe mungathere. Mu 2022, US News idafufuza madalaivala opitilira 10,000 kuti adziwe zomwe adakumana nazo pa inshuwaransi yamagalimoto, kuphatikiza zinthu monga chithandizo chamakasitomala, kasamalidwe ka milandu, komanso kukhulupirika kwamakasitomala.

Nawa makampani 10 apamwamba kwambiri a inshuwaransi yamagalimoto mu 2022, malinga ndi kafukufukuyu.

kampani Nkhani zaku US pafupifupi pachaka
United States of America 4.3 1000 dollars
state farm 4.2 $1,267
alimi 4.1 $1,917
kudziko lonse 4.1 $1,327
Gekko 4.1 $1,148
dziko lonse 4.0 $2,047
apaulendo 4.0 $1,371
mwapang’onopang’ono 3.9 $1,533
AAA 3.9 $2,409
Banja la America 3.7 $1,371

Kufunika kwa inshuwaransi yagalimoto

Ndikosavuta kuwona inshuwaransi yamagalimoto ngati ndalama zina, koma ndizochulukirapo kuposa pamenepo.

Ndikofunika kukhala tcheru pamene mukukonzekera ndondomeko yanu chifukwa muyenera kukonzekera zosayembekezereka. Ngati mwachita ngozi ya galimoto ndipo mwapezeka kuti ndinu olakwa, mungakhale ndi udindo wolipira ndalama zalamulo za wovulalayo, ndalama zachipatala, ndi ndalama zomwe zatayika.

Kukhala ndi chiwongola dzanja – kapena malire oyenera – kungakhale kusiyana pakati pa kampani yanu ya inshuwaransi kulipira ndalama izi kapena kuzilipira kuchokera m’thumba. Ikhozanso kupereka chitetezo kwa omwe ali m’galimoto yanu, chifukwa amatha kupeza chithandizo chamankhwala ndi chitetezo cha kuvulala kuti akuthandizeni kulipira ndalama zawo pakagwa ngozi.

Pamapeto pake, inshuwalansi ya galimoto ndi yaumwini komanso yosinthidwa. Pogula, ndizomveka kufunsa, “Kodi inshuwalansi ya galimoto imawononga ndalama zingati pamwezi?” Kotero muli ndi kufananitsa koyambirira.

Komabe, simungathe kumamatira ku chiwerengero cha manambala kwambiri, chifukwa zinthu monga mbiri yoyendetsa galimoto, zaka, mtundu wa galimoto, ndi chiwerengero china cha anthu chidzagwira ntchito limodzi kuti mudziwe mtengo wa inshuwalansi ya galimoto. Makampani ena amapereka chithandizo chotsika mtengo kuposa ena, koma ndikofunikira kuti muwerenge zolemba zabwino ndikumvetsetsa mfundo zanu.

Simukufuna kupeza njira yovuta kuti mulibe Kuphunzira munaganiza kuti muli, pamene inu mukufunikiradi. Choncho, ndi bwino kuyang’ana ndondomeko yomwe imapereka chidziwitso chokwanira pamitengo yopikisana kwambiri.

Zambiri zolondola kuyambira pa Novembara 23, 2022.

Gulu lathu lofufuza zamkati ndi akatswiri azachuma omwe ali pamalopo amagwirira ntchito limodzi kupanga zolondola, zopanda tsankho, komanso zaposachedwa. Timafufuza ziwerengero zonse, mawu, ndi zowona pogwiritsa ntchito zida zodalirika zotsimikizira kuti zomwe timapereka ndi zolondola. Mutha kudziwa zambiri za njira ndi mfundo za GOBankingRates mu mfundo zathu zolembera.

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