Iindlela ezi-8 ezisetyenzisiweyo zokusebenzisa i-inshurensi yokuthenga nge-2018

01 I-Mileage Ngaphantsi kwe-10K: iMetroMile

I-MetroMile yasungulwa ngo-2001 kwaye inika i-inshurensi yemoto ejoliswe kubaqhubi abaneemitha ezili-nyaka eziphantsi. Umlinganiselo okwangoku ukhona eCalifornia, e-Illinois, eNew Jersey, e-Oregon, ePennsylvania, eVirginia naseWashington kunye nezicwangciso zokukhawuleza zanda kwezinye iindawo. Kukho uluhlu lokulinda ukuba ufuna ukwaziswa xa kufikeleleka kwi-state yakho.

Abanikezeli bomgaqo-nkqubo banikezelwa ngefowuni engenazixhobo ezingenazixhobo ezixhuma kwisithuthi sokuxilonga. Ngokungafani nezinye i-auto-insurers ezinika ukhetho lwe-telematics, i-MetroMile ilandelela i-mileage kwaye ayizilandeleli ezinye izinto zokuqhuba izinto ezifana neziganeko zokuqhuma, ukukhawuleza okanye ukujika ngokukhawuleza. Umrhumo wenyanga ohlawulelweyo uhlawuliswa kunye nentlawulo nganye nganye. Umyinge wee-mile ukuba uhamba ngeekhilomitha ezili-500 kwi-3.2 cents umyinge we-mile kuya kuba yi-$ 16 / ngenyanga kwaye ireyithi yesiseko ukuba imali engama-30 / ngenyanga yenyanga yentlawulo ye-$ 46. Kulabo bahamba ngokuhamba emifutshane, ukugcina imali kunokufikelela kuma-500 500 ngonyaka ngomgaqo-nkqubo. Iirhafu ziyahluka ngokusekelwe kwii-mileage totals ngenyanga.

Amama angaphezulu kwama-250 / ngosuku akhululekile (150 / ngosuku eNew Jersey); ngoko unako uxinzelelo malunga namazinga e-mileage ukuba uhamba uhambo olude. Insiza yeselula inikeza izixhobo zokulungiswa kohambo, imoto elahlekileyo, impilo yemoto kunye nezilumkiso zamahhala zezitalato kwizixeko ezithile ukuze kukuncede ukhuphe amathikithi. Ukugcinwa okukhulu kwe-inshurensi yemoto kuya kubaqhubi abanama-kilometer engama-10K ngonyaka. Iindlela zokukhetha ziquka:

• Ukulimala komzimba
• Umonakalo weMpahla
• Ukuxhaswa kwabasemagunyeni abangaxhaswanga
• Ulungelelaniso
• Epheleleyo
• Ukukhuselwa kwenzalo / ukuhlawulwa kweentlawulo zonyango
• Ukubuyiselwa kwerhafu
• Uncedo olungxamisekileyo lendlela
• 250, i-$ 500, kunye ne-$ 1000 ezikhethiweyo

02 I-Discount Best for Drivers Day: Abaqhubela phambili

Ukhetho olusekelwe kwiNtshumo yeNtshumo ye-Intanethi libizwa ngokuba yiSpapshot. Emva kokusayinwa, uya kufumana idilesi encinci ngeposi ukuze ufake ipowuni yesithuthi sakho (ngokuqhelekileyo ibekwe phantsi kwevili). I-Snapshot ayitholakali e-Alaska, eCalifornia, eHawaii naseNyakatho Carolina kunye nesixhobo siza kusebenza kuphela kwimoto eyenziwe emva ko-1995. Izinto ezihamba ngokubakho zifakwe zixhobo zibandakanya ukuqhutyelwa kweekhilomitha, ixesha lemihla, iziganeko ezinzima okanye iziganeko ezinzima. Ukukhawuleza akubhalwanga. Xa inkampani ivavanya idatha yexesha lokuqhuba ukuhamba kweentsuku ezingama-30, ukuba uyakufanelekela isaphulelo iya kusetyenziswa kumgaqo-nkqubo wakho. Uya kufumana ibhokisi elalikhokhelwayo ukubuyisela ifowuni ngeposi ukuze uqhubeke. Abaqhubi abakhuselekileyo banokulindela ukufumana isaphulelo se-30 ekhulwini kwi-inshurensi yemoto (abaqhubi abaneemitha ezimbalwa eziqhutywayo, abambalwa abaxakekileyo okanye iziganeko ezinzima kunye nabo baqhubi abangaqhubi kangangoko phakathi kweeyure zobusuku bobusuku kunye no-4 ekuseni)

03 Eyona ndlela ihamba phambili ngokuqhubekayo yokuqhuba iziKhuseli zokuKhutshwa: I-Allstate

Iprogram ye-Allstate yeDrive inikezela izaphulelo ezifikelela kuma-30 eepesenti ukuya kumakhasimende e-inshurensi ahlala kwiColorado, eMichigan, eNew Jersey, eNew York, e-Arizona, e-Illinois nase-Ohio. Le nkqubo iphinda isebenzise i-telematics ifowuni efakwe kwisithuthi sokuxilonga. Ifowuni ilandelela ukukhawuleza, i-mileage, i-hard-braking kunye neminye imikhwa yokuqhuba. Kubaqhubi abaqala ukufumana izaphulelo zeepesenti ezingama-30, ukugcinwa okongeziweyo kunokufumana kunye nokwehliswa kwi-premium yakho yeepolisi rhoqo emva kweenyanga ezintandathu. Ukufumana isaphulelo sokuqhubela phambili ngokukhuselekileyo; abaqhubi kufuneka bakuphephe ukuhamba ngemoto eyi-80 mph okanye ngaphezulu, ukuqhuba ngaphezulu kwe-12,000 ngonyaka okanye ngaphezulu kweekhilomitha ezingama-30 ngosuku; ukuqhuba phakathi kwe-10 ntambama no-4 ekuseni kunye naziphi na iziganeko ezinzima. Nangona ungaboni naziphi iindleko kwi-premium yakho ye-auto, i-premium yakho ayiyi kunyuka ngokusekelwe kwidata eqokelelwe kwi-telematics ifowuni efakwe kwi-12 yenyanga. Abaqhubi kufuneka baqhube isithuthi sabo ubuncinane iintsuku ezingama-90 ngaphezu kweenyanga ezintandathu ukuze bafumane ukukhutshwa okukhuselekileyo.

04 Best Best for Commercial Fleet Abashayeli: Ukhuseleko

I-Liberty Mutual inikeza uMcebisi kwi-Advantage kubaqhubi bezoshishino zorhwebo kunye nabangasese kwaye unikezela isaphulelo esiphezulu kubaqhubi abakhuselekileyo. Kwi-inshurensi yomntu siqu, inkqubo ejoliswe kusetyenziso ibizwa ngokuba yi-RightTrack. Abaqhubi baya kusindisa ukuya kuma-30 ekhulwini kwi-inshurensi yemoto, kubandakanywa isaphulelo sokungena ngemvume. Izixhobo ezisetyenziselwa ukuchonga izaphulelo zokuqhuba ngokukhuselekileyo ziquka ixesha lemihla, iziganeko zokuqhaqhaqhaqha, ukukhawuleza kunye neendleko. I-Liberty Mutual ikhangisa i-yearly savings year up to $ 185 abaqhubi abakhuselekileyo abathatha inxaxheba. Insiza ifumaneka elandelela ukugcina imali yakho, iingxelo zokuhamba kwaye unike iingcebiso zokuqhuba.

Insiza ilandelela ukuqhuba kwakho ngaphezu kweentsuku ezingama-90 kwaye isaphulelo sisetyenziswe kwiprayimenti yakho yepolisi. I-Freedom Mutual izothumela ibhokisi ehlawulwe ngaphambili ukubuyisela idivayisi yakho. Ukuthatha inxaxheba kukhululekile kwaye isaphulelo sithengiswa xa uthengisa isithuthi esitsha ngexesha lokulandelela ixesha elide njengoko longezwa kwipolisi zingaphantsi kweentsuku ezingama-60 zobhaliso. Izaphulelo ziyahluka ngohlobo kwaye isaphulelo asifumaneki kuwo onke amazwe.

05 Eyona ndlela ihamba phambili kwiiVotsha ezintsha kwilizwe lonke

I-SmartRide yinkqubo yokusetyenziselwa lonke ilizwe kwaye inikezela izaphulelo kubaphathi baloo-policy ukuya kuma-40 ekhulwini kunye nephulo elikhawulezayo lamashumi amahlanu lokubhalisa. Emva kokufaka ifowuni kwisithuthi sakho, isaphulelo sihlaziywa ngeveki. Emva kwenyanga yokuvavanya kweenyanga ezine ukuya ezintandathu, uthumele idilesi kwakhona kwaye isaphulelo sokugqibela sivalelwe kwaye sisetyenziswe kumgaqo-nkqubo wakho wokuvuselela. Iprogram kuphela yezithuthi ezenziwe emva ko-1996 kwaye azihambelani kunye neenqwelo ze-hybrid ne-diesel. Izinto ezibangela isaphulelo ziquka i-mileage, i-hard-braking, ixesha losuku nokukhawuleza. Izaphulelo ezingcono kakhulu zinikezelwa kubaqhubi abaphephe ukuqhuba phakathi kobusuku bo-5 no-5 ubudala kwaye bafanelekile ngokusekelwe kwimikhwa yokuqhuba imoto. Iinkcukacha eziqokelelwe kwisixhobo ziya kusetyenziswa kuphela ukufumana isaphulelo kwaye aziyi kunyusa i-premium yomshuwalense we-auto

06 Imfono yesicelo esinqununu: Esurance

I-DriveSense yinkqubo esekelwe kusetyenziso lwe-Esurance kwaye inokugcina abaqhubi ababhalisiweyo ukuya kuma-30 ekhulwini kwi-inshurensi yemoto. Esi sixhobo sifakwe kwi-port diagnostics kunye namanyathelo okuqhuma iziganeko, i-mileage, iiyure zokuqhuba, ukukhawuleza nokukhawuleza. Isixhobo asisebenzi kwimodeli yemoto eyenziwe ngaphambi kowe-1996, izithuthi zombane okanye i-hybrids. Isicelo esiphezulu sikwenza ukuba ukhangele ulwazi lwakho lokuqhuba ngokusekelwe kwiimeko ezibonisa isaphulelo sakho. Oku kuya kukuvumela ukuba wenze naluphi na utshintsho ukuze ukwandise isaphulelo sakho.

I-Esurance iguqula inkqubo yayo esekelwe ekusebenziseni, i-DriveSense, kwisixhobo sokungena kwi-plug-in kwi-app yeselula esetyenziswayo e-Arizona, eColorado, eConnecticut, eGeorgia, eLouisana, eMargan, eMichigan, eMinnesota, eMissouri, eNew Jersey, e-Ohio, ePennsylvania. , EMzantsi Dakota, eTexas, e-Utah, eVirginia naseWashington kwaye ngokukhawuleza iza kwamanye amazwe.

07 I-Accident yokuxolela: Safeco

Uhlelo lwe-Safeco Rewind ngokwenene luyiprogram yokuxolela ingozi eyenza ukunciphisa okanye ukuphelisa i-premium surcharges zengozi okanye ithikithi. Inzuzo ifumaneka ukuba ungalindelanga iminyaka emithathu ukuya kwemihlanu ngenxa yengozi okanye ithikithi yokuwa kwerekhodi yakho yokuqhuba. Endaweni yoko, ungabhalisela ixesha lokuvavanya lokuhamba kweenyanga ezine ngokusebenzisa i-telematics device kunye neentlawulo. Ukuba uye waba neengozi okanye amathikithi, lo ndolozo ungongeza kwi-savings enkulu kwi-premium yomshuwalense we-auto.

Ngethuba lexesha lokuvavanya, unikwa amanqaku okhuseleko ngokusekelwe kwimizila, isivinini, indawo, ixesha lokuhamba, inombolo ye-VIN kunye nokukhawuleza. Akukho ntlawulo yokubhalisa kunye neprogram ayinikiweyo kuwo onke amazwe. Unokuphonononga idatha yakho yokushayela kwi-intanethi uze ulandele inkqubela yakho. Umqhubi omnye ngomgaqo-nkqubo uyavunyelwa ukuba athathe inxaxheba kwaye ungasebenzisa kuphela iNkqubo yoRewind ngexesha elilodwa.

08 I-Best Best for Teen Drivers: Abahambi

I-IntelliDrive yinkqubo yokusetyenziselwa abahambahambayo efumanekayo kubaqhubi e-Alabama, e-Connecticut, e-Indiana, e-Illinois, eMaine, e-Ohio, eOregon naseVirginia. Iphulelo elikhawulezayo elifikelela kwi-10 ekhulwini linikezelwa kwaye abaphathi-nkqubo abaqhuba iikhilomitha ezingama-13 000 ngonyaka okanye ngaphantsi banokufumana ixabiso lokufumana isaphulelo se-30. I-IntelliDrive ikuvumela ukuba ubeke imithetho eqhubayo yokuqhuba umntanakho kwaye ufumane i-imeyile okanye izilumkiso zetekisi ukukwazisa ukuba isithuthi sichithwa ngaphandle kwesikhokelo sakho sokuqhuba ngokukhuselekileyo. I-GPS nayo ikuvumela ukwazi ukuba imoto yakho iyaqhutywa phi. Iingcebiso zokuqeqesha zinikezelwa kubaqhubi abatsha ukuphucula izakhono zokuqhuba. Ulwazi olulandelwayo luquka i-mileage, ixesha lemihla, isivinini, ukuqhuma kunye nokukhawuleza okulinganiswe ngefowmatic efakwe kwisixhobo sokuxilonga imoto.