Ngaphambi kokuba uqhube umgwaqo ovulekile, qiniseka ukuba unesiqinisekiso
Ingaba ungumnikazi wemoto onobudala oye waba ngumgaqo-nkqubo omnye we-inshurensi kwiminyaka emashumi okanye umqhubi omtsha ekhangele ukuthenga umgaqo-nkqubo we-inshurensi yemoto okokuqala, uhlawula ukwazi kakuhle oko ukhangeleyo nendlela yokukhetha bhetele.
Kubalulekile ukukhumbuza xa ukhangela izibuyekezo, ngamnye umntu uya kuba namava ahlukeneyo. Uninzi lwababathwali bomshuwalense lukhulu kakhulu kunye nabasebenzi bamawaka abesasazeka kwiinkalo zombuso. Ukusekwa kwenkampani eyona nto ibhetele ayithethi i-100 ekhulwini. Kuthetha ukuba uninzi lwamava luhle kwaye lithemba ukuba lukhulu.
Kodwa ukuba awuqinisekanga ukuba ungaqala kuphi, iindaba ezilungileyo kukuba silapha ukuncedisa ukuba iinkampani eziphezulu ze-inshurensi yomshuwalense ukuba ungene kunye nayo, ngoko qhubeka ufunda ukuze ubone ukuba yeyiphi na esiyinike yona ukukhanya okuluhlaza.
01 Ngokugqithiseleyo: U-Erie Insurance
Uninzi lwabantu luya kuvuma iimeko ezimbini eziphezulu xa kuziwa kwiinkampani zomshuwalense yokulinganiswa kukuneliseka kwamabango kunye nexabiso lokuncintisana. Ukuba uhlala e-Illinois, e-Indiana, e-Kentucky, e-Maryland, e-New York, e-North Carolina, e-Ohio, e-Pennsylvania, e-Tennessee, eVirginia, e-West Virginia, eWisconsin okanye eSithili sase-Columbia, unokufikelela kwelinye leenkampani zomshuwalense ukwaneliseka kwamabango kunye nexabiso lokukhuphisana, kwaye ngu-Erie Insurance.
U-Erie uthengiswa ngethungelwano lwama-omele azimeleyo. Amagosa akwi-Independent ayimithombo ebalulekileyo kubaxhasi kuba banokufikelela kwiinkampani ezininzi ze-inshurensi. Unokufumana amanqaku amaninzi ngefowuni enye.
U-Erie wavula ibhizinisi ngo-1925. Baye bafumana i-AM Best rating ye-A + ephezulu. Amandla eemali nayiphi na inkampani yomshuwalense kubalulekile ukuqwalasela. Ukuba inkampani ye-inshorensi ayifanele kakuhle ngemali, ingaba ayikwazi ukuhlawula amabango akho xa kwenzeka ingozi. Iinkampani zomshuwalense zivandlakanywa yi-Arhente yokulinganisa e-US AM Best kwaye inikezwa ibanga lezezimali ukusuka ku-F ukuya ku-A ++.
Umqhubi we-02, ogqwesileyo ngokubanzi: Ehlabathini lonke
Mhlawumbi uyazi i-jingle yabo, kodwa i-Nationwide yindlela enzulu yokuqwalasela i-inshuwalense yemoto. Akunabo kuphela ukuba banomsebenzi omkhulu wabathengi, kodwa nabo banikela ngenkqubo echithwayo ekhutshweyo evumela ukuba unciphise i-deductible yakho yi-$ 100 ngamnye unyaka ungena engozini kwaye zibonelela ngezaphulelo ezilungileyo zokubamba ikhaya lakho kunye ne-inshurensi yemoto. .
Izwe lonke lasekwa ngowe-1920 kwaye liyi-Fortune yenkampani. Unokulinganiswa kwe-AM Best ye-A ++, eyona nto iphezulu. Yaye i-app yabo yeselula ilula ukuyisebenzisa, eyona mveliso enkulu kubaxumi. Unokuhlawula ibhilikhwe yakho, jonga amakhadi yomshuwalense ngaphandle kokungena ngemvume, jonga imigaqo-nkqubo yakho kwaye uqale isimangalo se-auto naphi na.
Uwonke wonke unikezela uluhlu oluninzi lwe-inshorensi. Ikhaya, i-auto, ithengiselwano, ifama, ubomi kunye nesilwanyana, ukubiza ngambalwa. Iipolisi zifumaneka kwi-US kuma-46.
03 Iimangalo ezigqwesileyo zokuneliseka: iHartford
Ngokutsho kweJD Power Hartford inqanaba eliphezulu kunokwaneliseka kwamabango ezithuthi. Ukufumana ibango elinyamekelweyo ngokukhawuleza kwaye kubaluleke kakhulu kubathengi. Ngexesha lokulahleka kukuba ufuna inkampani yomshuwalense onokuyithemba kuyo. I-Hartford ibonakalise ukuba abathengi abaninzi abanakho ukuhamba abathengi ngeenkqubo zamabango kunye nezithuthi ziya kulungiswa kwinkqubo elula.
I-Hartford ibeshishini elingaphezu kwama-200! Banikezela ngemigaqo-nkqubo ebanzi yabathengi bezobuqu kunye nabathengisi. I-Hartford iyatholakala kwi-42. Banikela nge-Lifetime Ukuhlaziywa, oku kuthetha ukuba unako ukugcina umgaqo wakho ngexesha elide unayo ilayisenisi evumelekileyo kwaye uhlawule ngexesha. Banikezela nge-New Car Replacement coverage, ngoko akufanele ukhathazeke ngokulahlekelwa kukuhla kwexabiso xa ilahleko elipheleleyo lenzekile ngaphambi kokuba isithuthi sineenyanga ezili-15 ubudala okanye uhamba neekhilomitha eziyi-15 000.
Inyaniso epholileyo malunga neHartford baqinisekisa i-Abraham Lincoln kuphela.
04 Ilungelelaniso ngexabiso leKhuphiswano: iGeico
Ukuba ukhangele inzuzo enkulu evela kwinkampani enkulu eyaziwayo, i-Geico yinshuwalense iyona ndlela incinci kwiUnited States, kwaye ihlala ihamba neetoni zokukhutshwa kwezinto ezikhuselekileyo kunye nempawu ezithile zokuphepha kweemoto. Kwakhona zininzi izicwangciso zabaqhubi abangapheliyo.
I-Geico yinkampani yomshuwalense othe ngqo wokuthengisa, oku kuthetha ukuba zonke iintengiso zigqityiwe kwi-inthanethi. Bafezekileyo kubaqhubi abafuna umgaqo-amathambo. Ngenxa yokuba badlula phezu komntu ophakathi, ummeli we-inshurensi, inkampani igcina imali kwaye inika umthengi ezinye zokugcina. Ukuba ukhululekile kunye nendlela i-inshurensi isebenza ngayo, ukuthenga i-intanethi kuyintsebenziswano yangempela.
Hlalani nilindela izaphulelo kungakhathaliseki ukuba uyithwala yomshuwalense. Ngaba ungumqhubi okhuselekileyo ongenakho izingozi kwirekhodi yakho? Ngaba ufake izixhobo ezikhuselekileyo zokukhusela kunye nokulwa nebabi kwi sithuthi sakho? Ingaba ungumfundi weenkwenkwezi okanye uzimisele ukuzithengisa ikhaya lakho kunye nemigaqo-nkqubo ye-inshurensi yemoto kunye? Zonke ezi zinto kunye nezinye zingakugcina imali kwiipresimenti zenyanga, ke qi niqiniseke ukuba uzithengise kakuhle kwaye ubuze malunga nezaphulelo rhoqo xa wenza uphando olutsha.
05 Best Best for High-Risk Drivers: Bristol West
Inkxaso-mali engabikhoyo ye-Farmers Insurance, i-inshurensi yaseBristol West ifumaneka kuwo onke amazwe ngaphandle kweAlaska, eHawaii, eMassachusetts, North Carolina, iRhode Island, iVermont, iWashington DC ne-West Virginia. Unomlinganiselo ophezulu kakhulu wokunikwa kwezimali kunye nomlinganiselo wokukhalaza ohloniphekileyo.
Ukuba uthe wagxotha amanqaku amaninzi, uneminyaka emdala okanye incinci, unesikolo esibi, unayo imoto yemidlalo, ufuna ukuthenga inani elincinci likarhulumente lokufundwa okanye kufuneka ube nelayisenisi yokuqhuba yangaphandle, unokuhlelwa ngokuthi " engazimeli, "okanye umqhubi ophezulu wobungozi ngeenkampani zomshuwalense. Ingaphezulu kweyesithathu kwabashayeli endleleni banolu hlobo, kwaye iinkampani ezahlukeneyo ze-inshorensi zihlukanisa abaqhubi abangaboniyo. Ukuba unomnye okanye ezimbini kwizinto ezikhankanyiwe ngasentla, ingaba yinto efanelekileyo ukujonga ukuba uthathwa njengomgangatho kwiinkampani ezahlukeneyo ze-inshurensi ngaphambi kokuba uhlawule imali eninzi kumgaqo-nkqubo ongagqithwanga.
Kodwa ukuba uthe wagxotha ukuphulaphula okukhulu kwaye ufumene ufuna i-SR-22, i-Bristol West iyona nto inkulu.
Ngaba ufuna ukujonga ezinye iindlela? Jonga isikhokelo sethu kwi- inshurensi yemoto engcono kakhulu yokuqhuba abakhokhisayo .
06 Abanini bamashishini abathintekayo: Ukuqhubela phambili
Intshuwalense yokuqhubela phambili inemigaqo emigangatho ephezulu, kodwa kunye nokukhetha ezininzi ukuphucula kunye neengezo. Kwabo bacinga ukuba ngumqhubi we-rideshare, inkampani inika ne-insensitive rideshare kuma-21 athi. Kodwa yiyiphi intuthuko ephumelela kakhulu kwi-inshurensi ye-Motorcycle. Amaxabiso abo akhuphisana kakhulu kwaye angakwazi ukubetha imigaqo-nkqubo eninzi nangona omnye umphathiswa enesaphulelo semigaqo-nkqubo. Iipolisi ziza kunye neenkcukacha zokufikelela kwi-$ 3,000 kunye nokufumana ingqalelo eyongezelelweyo.
Ngaba ufuna olunye uncedo ekufumaneni oko ufuna? Funda ngeyona nkcazo yethu ye- motyhuse .
07 Eyona ndlela ifanelekileyo kubanikazi beefama: iFama yeFama
Ngaba ufuna i-inshurensi yenkampani eyaziwayo ngokukhusela iifama ezinokwenkcubeko ezininzi, ezifama ezincinane kunye nayo yonke into ephakathi? Ifama yeFama iye yawugubungela. Ukukwazi ukuqinisekisa i-autos, ikhaya, kunye neefama zonke kunye ne-insurer efanayo kuya kwenza izinto zibe lula.
IFama yeFama ikulungele ukuhlangabezana neemfuno ze-inshorensi yemfanelo yecala elilodwa. Zayisungula iminyaka engama-75 edlulileyo kwaye ibe ne-AM Isilinganiselo esiphezulu se-A esibeka kwindawo efanelekileyo yezemali.
IFama yeFama idinga ubulungu bonyaka obuza neenzuzo ezininzi. Gcina imali kwimveliso kunye neenkonzo kwindawo yakho. Hlalani ngoku kwizolimo. Uze ufikelele kwiiprogram zemfundo nophuhliso lobugcisa.
08 Eyona ilungele amaLungu aseMpi: USAA
UMbutho weeNkonzo zeMoto yeZizwe eziManyeneyo unikezela ngoncedo lwe-inshorensi kuphela kumalungu omkhosi kunye neentsapho zabo. I nkampani inexabiso elihle kakhulu kunye namandla enkcitho kwaye kuyona ndlela enokuzikhethela kuzo zombini osebenzayo kunye nabasetyhini kunye nabadala bezilwanyana. Ziyaziwa ngenkonzo yazo yamakhasimende ezintle kwaye zinezinye zexabiso eliphantsi kwi-shishini.
I-USAA inikela ngaphezu kwe-inshurensi. Banikezela ngeendlela ezinkulu zebhanki ezifana nokukhangela kwamahhala kunye namazinga ekhadi lokuthenga ngetyala. Lindela ukuqonda impilo yempi kunye ne-inshurensi imfuno evela e-USAA. Yonke ilungu leenkonzo kufuneka liqwalasele i-USAA, ininzi imindeni engeyiyo impi ifuthe!