Amashishini A-Intshurensi Ejongene Nokuthengwa KwamaThengi

I-JD Power Insurance Consumer Ukwaneliseka Kwamaxabiso

Unyaka ngamnye, i- JD Power & Associates , iqumrhu lokuphangela iimarike zehlabathi, lipapasha iSifundo soThengwa lweNtshuwalense yase-US echaza ukuba iinkampani ze-inshorensi zithelekisa njani ngokuxhomekeka kwintengiso yomthengi. Uphononongo, ngoku unyaka we-10, uqwalasela izinto ezintathu xa kuhlolwa amakhasimende ase-inshurensi kuquka intengo , isiteshi sokuhambisa kunye neminikelo yomgaqo-nkqubo .

Iziphumo eziphambili

Umthengi we-inshorensi yanamhlanje uncike ngakumbi kwiintengiso zedijithali ukufumana i-inshorensi kunommeli womshuwalense wendabuko ozimele

Iinkampani ze-inshurensi ezikhokelela kwi-quote ama-quote ama-intanethi ziya kubakho ukukhula ngokutsha kwirejista entsha ye-premium. Uphononongo luzimisele ukuba ama-74 eepesenti abathengi abatsha abathenga i-inshorensi baya kusebenzisa i-intanethi yokuthengisa i-intanethi okanye iwebhusayithi ye-insurer ukufumana icatshulwa. Ngokwahlukileyo, iipesenti ezingama-25 kuphela ezifumana i-quote online ziza kuthenga ngewebhusayithi ngelixa ama-50 ekhulwini ala bathengi baya kuthengisa umgaqo wabo kwiofisi ye-ejenti yendawo. Abathengi abaselula (iGen X noGen Y) banokuthi bafumane i-inshurensi kuphela kwi-intanethi kuphela. Ukwaneliseka kwamanqaku amaninzi ngamava okuthenga aphantsi. Ngo-2016, ukulinganiswa kwabaxhasi bamxhasi kumntu wonke wokuthenga abathengi kwaba ngu-826 kumawaka; ukusukela kwi-rating ye-2015 ye-833 kwi-1,000.

10 Iinkampani zeInshurensi ezine-4 okanye 5-Amandla weNkwenkwezi yeNkanyezi

U-Erie Umshuwalense kunye noKhuseleko lweMutual Assurance olubophelelwe kwindawo yokuqala kwindawo ephezulu yokuthengwa kwamakhasimende.

Ngokucacileyo, u-Erie Insurance ubeke umgangatho wokuqala ngowomnyaka we-4 olandelelanayo. I-Hartford yayiza kwindawo yoku-3, i-American Family Inshuwalense yayingu-4 kwaye ukuza kwindawo ye-5 yayiyi-Automobile Club Group. Zonke iinkampani ezidweliswe ngezantsi zineenkcukacha ze-4- okanye ezi-5 ezisekelwe kwinkqubo yeenkwenkwezi ezi-5. Ukulinganisa kweenkwenkwezi ezi-5 kuchaza iinkampani zomshuwarensi eziphakathi kweyona nto ibalulekileyo kumashishini ngelixa ukulinganisa kweenkwenkwezi ezi-4 kubonisa iinkampani zomshuwalense ezingcono kuninzi .

1. U-Erie Inyunithi : Ukulinganisa kweenkwenkwezi ezi-5 : U-Erie Insurance unamaqela ambalwa kwiinkampani ezimbalwa zokufumana ukwaneliseka kwamakhasimende kunye nemibutho kuquka iJD Power & Associates kunye ne-Insure.com . Ngonyaka ka-2012, u-Erie Insurance wabizwa ngokuba yi-"inkonzo yenkonzo yabathengi" yiJD Power & Associates. Ukongeza kwi-rankings ephezulu yeenkonzo zabathengi, u-Erie Insurance une-"A +" ephezulu ukusuka ku-AM ephezulu kwaye ibizwa ngokuba yipropati ephezulu ye-Ward 50 kunye ne-inshuwalense yokufa. U-Erie Insurance unikela ngemoto , abanini bezindlu , ubomi, ipropati kunye noxanduva lwe-inshurensi yoshishino kunye nemikhiqizo yomhlalaphantsi.
2. Ukhuseleko lokuBambisana : Ukulinganisa kweenkwenkwezi ezi-5 : Ukukhululeka kweMkululeko kuye kwasungulwa iminyaka engaphezu kwe-100 kwaye yindawo yesithathu eyona nto enkulu kunazo zonke kunye ne-insured insurer e-United States. Imveliso ye-inshurensi ye-Liberty Mutual iquka i-auto, abanikazi bezindlu, intlawulo yabasebenzi, i- auto auto , kunye ne-inshurensi yokukhubazeka kwabanye. I-Freedom Mutual ihlale isesikweni esiphakeme kwimandla kunye neenkonzo zabathengi. I-Liberty Mutual ine-"A +" kunye neBusiness Business Bureau.
3. I-Hartford : Ukulinganisa kweenkwenkwezi ezi-5 : I-Hartford yasungulwa ngo-1810. Inika iimveliso zomshuwalense zoshishino kunye ne-shishini kulo lonke i-United States kwaye inkokheli ekuphatheni komsebenzi kunye nokufumana amandla omndilili kunye nokulinganiswa kwenkonzo yabathengi. I-Hartford ibizwa ngokuba yiyona nkampani yehlabathi ephezulu kwi-Ethisphere iminyaka ka-2008-2012. Ngokwenzululwazi ka-2012 yi-Insure.com, iipesenti ezingama-91 zabathengi zicwangcise ukuvuselela i-inshorensi yawo kwi-Hartford.

1. Intsapho yaseMelika : Inkwenkwezi ye-4 : I-American Family yile-10 eyona mkhulu mshwalense wemoto kwi-United States. Intsapho yaseMelika inika i-inshurensi yemoto, ikhaya, ubomi, impilo, ishishini, i-umbrella, i-farm kunye ne-ranch nshurensi kunye nemveliso yomhlala-phantsi kuma-19. Ukongezelela kokufumana ukulinganisa okuphezulu kumathuba okuthengwa kwamakhasimende, intsapho yaseMerika yayingumgangatho ophezulu kummandla weenkonzo zamabango. Inkampani ine-"A" yokulinganiswa kwemali kunye ne-AM Best.
2. I-Automobile Club Group (AAA Inyunithi) : Isilinganiselo seenkwenkwezi ezine : I-Automobile Club Group inikeza i-inshurensi yemoto kumalungu ayo kunye nezaphulelo kwihambo, imimiselo, ukuqeshisa, iifilimu kunye nokunye. Inkonzo yenkxaso yendlela yokukhawuleza yinkxaso yeyona ndlela iphakathi kweyona nto ibalulekileyo kumashishini. I-AAA ihamba phambili kwiinkqubo zokhuseleko lwezithuthi kunye nokuseka iSiseko se-AAA soKhuseleko loThutho ngo-1947. Ukongeza kwintengiso yomshuwalense, i-AAA inika nabanikazi bezindlu, ubomi, impilo kunye nezinye iinkonzo zemali . I-AAA ineama-clubs angama-51 ezizimeleyo kwindawo eseNyakatho Melika ngamalungu angaphezu kwezigidi ezingama-51. Unomlinganiselo "we-A +" kunye ne-AM Best kwaye uhlalutye ngokungqinelanayo kwiphepha lokuhlola ukwaneliseka kwamakhasimende kulo lonke shishini.

1. Ifama yeSizwe : Ukulinganiswa kweenkwenkwezi ezi-4 : Iifama Ifama ifayili kunye kunye nenye ye-insurers enkulu kunazo zonke e-United States kwaye ifumene iziphumo eziphezulu zezimali ezivela kwi-AM e-Best Best ne-Standard & Poor inshorensi yemibutho. Okongeziweyo kumandla ayo emali, inkampani nayo ireyithi ngaphezulu komyinge ekuneliseni ukwaneliseka kwabathengi. Ifama yeSizwe ibonelela nge-auto, i-inshurensi yomnini-propati, i-inshurensi ye- renters, inshuwalense ye- condo, inshuwalense ye-motorcycle, inshorensi yobomi kunye neenkonzo zebhanki kunye nemali e-United States. Ifama yeSizwe inezigidi ezingaphezu kwezigidi ezingama-82 e-United States kwaye iqeshe ngaphezu kwama-65,000. Kubekwe kwi-35 kwi-Fortune 599 uluhlu lweenkampani ezinkulu. Ngumgcini-mali we-# 1 we-inshorensi yomntu ngamnye kwisizwe.
2. Ukusebenzisana : Inkwenkwezi ye-4 : I-Allied Insurance iyinxalenye yeNtsapho ye-Intshuwalense yelizwe lonke kwaye inikezela i-inshurensi yabucala, ishishini kunye neefama. Iimveliso zomshuwarensi yomntu siqu ziquka i-auto, ikhaya, imidlalo yamandla, ukhuseleko lomntu kunye nomshuwalense wobomi I-inshorensi yomhlaba wonke iyatholakala kuwo onke amazwe angama-50 yaye ine-"A +".
3. Abahambi : Ukulinganisa kweenkwenkwezi ezi-4 : Abahambi bahamba ngepropati yesibili ephezulu kunazo zonke kunye ne-insured insurer e-United States. Futhi unikezela ngemveliso ye-inshurensi yomntu ngamnye kunye nentlangano ye-inshurensi yase-US AM Eyona nto inika bonke abazalwana abahamba ngeenkampani kunye ne "A" okanye ukulinganiswa kwamandla angcono emali. Ngokutsho kovavanyo lwabaxumi nge-Insure.com, ama-74 ekhulwini kubanikazi bamaphepha-nkqubo baceba ukuhlaziya i-cover by Travelers. Inkampani inesayithi elinobuchule kunye ne-inshurensi yeselula ye-inshurensi efanelekileyo.
4. Amica Mutual : Ukulinganisa kweenkwenkwezi ezi-4 : Amica Mutual yinkampani yomshuwalense oqinileyo yenkxaso-mali yasungulwa ngo-1907. U-Amica Mutual une-"A ++" ephakamileyo kunye ne-AM Inqanaba elongezelelweyo le-inshorensi kwaye lifumene ibhaso eliphezulu kumsebenzi wamakhasimende ukusuka ku-JD Power & Associates iminyaka eyi-11 elandelanayo. Kwakuyi-Winner's Choice winner kwi-Insure.com ngo-2012. Inkampani inikezela ngokuzenzekelayo, abanikazi bezindlu, i-marine kunye nemigaqo-nkqubo yobuninzi bemfanelo. Ukufumana isicatshulwa, kufuneka ubize, imeyile okanye u tyelele i-ejenti yendawo. Kukho indawo engaphezu kwama-40 kunye nabasebenzi abangaphezulu kwama-3 000 kuwo wonke ama-US
5. I-Mercury : Ukulinganisa kweenkwenkwezi ezine : I-Mercury Insurance inikezela ngabanikazi bezindlu, i-condo, i-renvers, i-umbrella, i-auto, i-auto, kunye nezinye izinto ze-inshurensi zoshishino kwi-13 yase-US. I-Mercury Intshuwalense ine-"A +" inqanaba eliphezulu kunye ne-AM Inkonzo ephezulu ye-inshorensi kwaye ifumene iinkwenkwezi ezi-3 kwiinkwenkwezi ezi-5 kwi-JD PowerCircle ukulinganisa kwiindawo zokuhlawula kunye neentlawulo zentlawulo, iminikelo yomgaqo-nkqubo kunye nenkonzo yabathengi. Ukusuka kwiwebsite yenkampani, unokukwazi ukufaka ibango; ukuhlawula umrhumo-mali, ukuphonononga iinketho zomgaqo-nkqubo, iimpepha zomgaqo-nkqubo wokufikelela kunye nokuguquka kwesicelo kwi-insurance coverage. Unokufumana i-inshurensi ukucaphuna kwi-intanethi kodwa kufuneka unikezele ngenani leenombolo zezithuthi kuzo zonke iinqwelo zithuthi, ulwazi oluxhasiweyo kunye nenombolo yakho yelayisenisi yokuqhuba.

Kukho izinto ezininzi oza kuziqwalasela xa ufumana inshuwalense efanelekileyo ukukhusela wena kunye nosapho lwakho kuquka intengo, inkonzo yamakhasimende, ukuzinza kwemali kunye nokwaneliseka kwamabango. Ukukunceda ekukhangekeni kwakho, imibutho efana ne-JD Power & Associates kunye ne- AM Best ikubonelele ngezikhundla ezibonisa indlela inkampani nganye efanisa ngayo kwiindawo ezahlukeneyo zenkonzo. Iifayili zee-inshurensi zinganinika ukuthelekisa ngokuthe ngcembe kweminikelo yenkqubo kunye nemilinganiselo yokukunceda wenze isigqibo esinolwazi xa uzama ukufumana ixabiso elifanelekileyo kwiinshurensi. Kukho ezininzi iifayili ezinkulu ze-inshurensi ezithengayo ngaphandle kwe- NetQuote , i- CoverHound kunye ne-Comparer.com .