Qhagamshelana nale nkampani e-intanethi ngokukhawuleza okukhulu
Kwihlabathi elixhumene nanamhlanje, abathengi abathengi bafuna iimveliso ezixhunyiwe kwi-intanethi, indlela ekhethiweyo yokuthetha kunye nokwamkela ulwazi. Kwaye amaninzi amanqabantshe ngoku anikezela ubuchwepheshe obutsha bokudibanisa ukuhlangabezana neemfuno zabathengi banamhlanje. Ngoko nokuba ufuna impilo, impilo, imoto yomshuwarensi okanye ekhaya, kukho iincinci zeenkampani ezinokukunceda ukuba ubhalise lula ngokusebenzisa i-app okanye iwebhusayithi. Nazi ezinye zeendlela ze-inshorensi ezifanelekileyo kakhulu zokuthenga ngoku.
01 Eyona ngcono kwi-Intshurensi yasekhaya: i-Lemonade
I-Lemonade yi-insurer yedijithali eyakhiwa ngo-2015 inikeza i-home and renters inshuwalense kubahlali baseCalifornia, eGeorgia, e-Illinois, e-Nevada, eNew Jersey, e-New York, e-Ohio, e-Rhode Island ne-Texas. Abathengi banokuthenga i-inshorensi ngqo kwi-intanethi ngaphandle kokusetyenziswa kwe-arhente. I-Lemonade ayiyona inkampani yakho yomshuwalense. Inkampani igcina ipesenti ezingama-20 ze-premium yakho ehlawulwayo ukuhlawula kunye neebango kwaye uhlawule ezinye iindleko zokusebenza. Naliphina i-premium engalawulwayo inokuya kwi-non-profit of your choice. Inkampani isebenzisa ingqiqo yolwazi ngendlela yeengxoxo zokubambisa amabango kwaye inika iinkqubo zomshuwalense. Insiza ethi "AI Jim" ilawula izibhengezo zenkqubo yomgaqo-nkqubo kwaye ngelixa ufaka ibango, uhlolo lwee-app kunye neenkqubo, izikhokelo eziphambene nomgaqo-nkqubo kwaye uyavuma / awamkeli ibango. Iinkqubo zingathengwa kwaye amabango ahlawulwe rhoqo kwimimbalwa embalwa okanye ngaphantsi. I-Lemonade ine-"A" yokulinganisela amandla emali kwintengiso ye- inshorensi, i- Demotech .
Ukhetho lweenkqubo ezisisiseko luquka:
- Ixabiso lokubuyisela
- Isakhiwo somntu siqu $ 10K- $ 250K
- Ukuhlakulela ama-$ 250- $ 2,500
- Med Pay $ 1K- $ 5K
- Uxanduva lomntu siqu $ 100K- $ 500K
- Ukungabikho kwendawo yokuhlala
- Ukulahlekelwa kokusetyenziswa kwe-$ 3K- $ 200K
Ukufumana i-premium eyongezelelweyo, unokongeza i-coverage:
- Iigugu, ubugcisa obuhle, i-electronics
- Ixabiso eliphezulu le-vhigh-value lihlelelwe kwi $ 50K
I-Best Best Insurer ye-Digital Insurance Quotes: Insure
I-Insurer ye-Digital, i-Insurify, isebenzisa ingqiqo yolwazi ukuze ikubonelele nge-inshurensi yomshuwalense ngokuzithumela iikopi yelayisenisi yakho yemoto. Inkampani iqalise ngo-2016 kwaye isebenzisa i-inshorensi ebonakalayo ebizwa ngokuthi "u-Evia." U-Evia umele i-Expert Virtual Insurance Agent. Kulabo abangenayo umfanekiso wepenethi yelayisenisi yokubhaliweyo, ingcaphuno ingafumaneka kwakhona ngokufaka ulwazi oluyisiseko kwiwebhsayithi efana nokwenza kunye nomzekelo wesithuthi kunye nolwazi lomqhubi. Umbono wengqondo we-Evia uqokelela idatha yokuqhuba nokushayela ulwazi lokugcina irekhodi elikugcina ixesha ekufumaneni i-quote ye-auto-quote.
Ukufakela i-inshurensi inikezela nge-auto inshorensi ngokubambisana kunye neenkampani ezingama-80 ze-inshurensi zomshuwalense, kuquka ne-insuredrs e-auto-rated efana ne-Esurance, abalimi, i-AIG, i-Progressive, i-Safeco, i-Freedual Mutual, kwilizwe lonke kunye nokunye. Inkampani inesofthiwe yayo ebizwa ngokuba yiRaterank ehambelana nabaqhubi ngeendlela ezikhethileyo ze-inshurensi yemoto esekelwe kwiprofayili engozi yodwa yomsebenzisi. Isofthiwe ikubonelela ngeendlela ezikhethileyo ze-auto inshuwalense. Isicelo se-Evia sitholakala kwi-30 yase-United States ngezicwangciso zokwandiswa kwangaphambili.
03 I-Best for Autos iya ku-Mile Mileage: i-Metromile
I-Metromile yi-insurer yedijithali eyenziwe ngo-2001 inikeza i-inshurensi yemoto kwi-low mileage drivers kwifowuni ye-telematics efakwe kwisithuthi sakho esilinganisa iikhilomitha oziqhubayo. Ubungakanani bufumaneka eCalifornia, e-Illinois, eNew Jersey, e-Oregon, ePennsylvania, eVirginia naseWashington kwaye ngokukhawuleza kuya kufumaneka kwezinye iindawo. Ifowuni oyifakayo kwimoto yakho ibizwa ngokuba yi-Metromile Pulse kwaye inokusindisa imali engama-$ 500 ngonyaka kwi-inshurensi yemoto. Abaqhubi abaneekhilomitha ezili-10 okanye ngaphantsi banokufumana ukugcinwa okuninzi kwiimali-mboleko zomshuwalense. I-Metromile inikezela nge-app yokuqhuba ukuhamba ngokubonelela ngeempawu zokulungiswa kohambo, imoto eyebiwe, ukuxilongwa kwempilo yeemoto kunye nezilumkiso zokutsala izitalato ukukunceda ukuphepha amathikithi.
04 Eyona ndlela ihamba phambili kwiCrother Drivers: Umsuka
Ukuba awukavanga ngeMpembe, ngumntu osandul 'ukuza kwintengiso yomshuwalense. Usetyenziso lwe-auto olusetyenziswa nguMsuka lunokugcina abaqhubi abakhuselekileyo njengama-52 ekhulwini kwizinga le-inshurensi yemoto. Insiza ilandelela imikhuba yakho yokuqhuba njenge-braking hard, i-mileage, i-turn turn and more to calculate your rate inshurensi. Unokuthenga kwakhona umgaqo-nkqubo womshuwalense we-auto, fumana amaphepha e-ID kunye nokwenza ngokukhawuleza ngohlelo lokusebenza. Akukho zithunywa, konke kwenziwa nge-app. I-inshurensi yemoto yowokuqala ikhona e-Arizona, e-Illinois, e-Indiana, eKentucky, eLouasana, e-Mississippi, e-Ohio, e-Oklahoma, ePennsylvania, eTexas nase-Utah kunye nezicwangciso zokwandisa ukuhanjiswa kwamanye amazwe kungekudala. Isicelo se-inshorensi yomthombo sixhaswa yi-iPhones (5s nangaphezulu) kunye neefowuni ezininzi ze-Android. Ungayifumana insiza kwi-Google Play Store.
Yintoni eyahlukileyo nge-inshurensi yomhlaba kukuba into ebaluleke kakhulu ekuqaliseni intlawulo ohlawulayo yomshuwalense yomshuwalense ngumandla akho okuqhuba. Akuyena wonke umntu onokukwazi ukufumana inkxaso, kuphela abaqhubi abahamba phambili. Kuthatha iiveki ezimbini ukuya kwethathu zokuqhuba umqhubi kwaye ukuba ufanelekile, uya kufumana isicatshulwa esekelwe kwikhompyutha yakho. Iingcaphuno azifumaneki kubaqhubi ngaphandle kokuba bathathe i-drive yovavanyo kunye nenkqubo. Inkampani ibanga i-algorithms yayo yinkimbinkimbi - inokukwazi ukuba uyaqhuba, ngaba ngumgibeli, uhamba, ugibela ibhayisiki okanye uthabatha umzila ongaphantsi komhlaba xa i-app yakho ivuliwe kwaye iya kusebenzisa kuphela idatha eqokelelwe ukususela xa uqhuba yakho imoto ukugqiba icatshulwa sakho.
05 I-Incarnation ye-Wellington Health Wellness: I-Oscar Health
I-inshurensi yempilo ka-Oscar yaqala ngo-2012 kwaye inika i-inshurensi yempilo kubahlali baseNew York, eTexas naseCalifornia. Ukufumaneka kungekudala kuya kufumaneka kwezinye iindawo. Uhlelo lokusebenza lwe-Oscar lukhutshwe kwaye luhambelana ne-Android kunye ne-iOS. Insiza inika ii-24/7 iinkonzo zogqirha-nge-call, iieklasi ze-yoga zamahhala kunye neeklasi zabaomama abalindayo. Inkampani isebenza ngokubambisana neNtaba yeSinayi yeNkqubo yeMpilo.
Nge-app, ukucela ukubuyiswa kweefowuni kwi-call-call udityanisi, uthayipha kuphela i-app kwaye unokufumana ukubuyela kwirekhodi kumgqirha ngokuqhelekileyo kwimizuzu. Insiza ingathumela imimiselo kwi-pharmacy yakho. Iqela lakho leConcierge liquka umongikazi obhalisiweyo kunye nezikhokelo ezintathu zokunyamekela ukubonelela ngempilo kwaye uphendule imibuzo.
Le nkampani inika i-inshorensi yezempilo impilo yokukhuthaza, elandelwayo yokusebenzisa iingubo ezingenanto. Kukho inkokhelo yemali yokufumana isifo somkhuhlane wakho kwaye ezinye iziyobisi zendalo zikhululekile. Kukho okukhethiweyo okuncinciweyo okukhoyo. I-Oscar Insurance njengamanje ine-Business Business rating ye-"A-". Kukho izicwangciso zecala ezihlawula iindleko zonyango ukusuka kuma-60 ukuya kuma-90 ekhulwini.
06 Eyona ngcono kwi-Inshorensi yobomi: I-Innsurance Insurance
Inqanaba le-inshurensi ye-Ladder yinkampani yomshuwalense yedijithali edibanise noBomi boKhuseleko be-Fidelity ukubonelela nge-inshorensi yomntu ngaphandle kokusetyenziswa kwamagosa ngqo kubathengi kwi-intanethi ngaphandle kokuhlawula nayiphi na imirhumo yomgaqo-nkqubo. Inkqubo ye-intanethi yokuthenga umgaqo-nkqubo inokuyenza kwimizuzu emihlanu kwaye ungasayinela nawaphi na amaxwebhu afanelekileyo ukufumana ingxelo nge-E-signature.
Inkampani ine "A-" AM isilinganiselo esihle. Abanini-mithetho banokuthenga i-inshorensi yobomi bomshuwalense ngexesha elide ukuya kuma-8,000,000 kwi-coverage. Into enikezelwa yinkampani yinkcazo elula kunye ngokukhawuleza malunga naluphi na umlinganiselo wokubhengezwa. Nangona kunjalo, kukho abambalwa beepolisi zomgaqo-nkqubo (ukhetho olongezelelweyo lwe-premium eyongezelelweyo) ekhoyo.
Inkampani inikezela abaphathi-nkqubo ithuba lokukwazi ukunyuka phezulu (ukunyusa ukukhutshwa) okanye i-ladder down (ihla ukukhutshwa) ngokusekelwe kwiziganeko ezithile zobomi (imitshato, ukuzalwa, ukuthengwa kwekhaya elitsha, njl.) Okanye ezinye iinguqu kwiimeko. Ukuba ugqiba ukunciphisa i-coverage yakho, ama-premium akho ayancipha ngepesenti efana ne-coverage yakho (umzekelo, i-10% eyancipha kwi-coverage ithetha i-10% yeepesenti eyancipha kwi-premium yakho yenqubomgomo). Akukho sikhokhiso malunga nokunyuka okanye ukunciphisa ukuhanjiswa.