Njengoko ukhula, ubomi buba mnandi ngeendlela ezininzi-kodwa kunokufumana ixabiso elininzi. Ukuba uneminyaka engamashumi amahlanu, mhlawumbi akufanele ukhathazeke malunga nethuba lokunyuka kwama-insum yomshuwalense wemoto okwangoku, kodwa njengoko ufikelela kwiminyaka engamashumi amathandathu anesixhenxe ukuya kwamashumi asixhenxe, ukugqithiswa okuqhelekileyo kunokuqala ukufumana imali ethe xaxa.
Ukuba uhlakaniphile ke, akufanelekile ukuba kube njalo. Iinkampani ezininzi ze-inshorensi zinikeza izaphulelo kubaqhubi abavuthiweyo, kunye nabo basebenzisa i-apps yokulandelela i-drive, bathathe iikhosi zokuqhuba ngokuzikhusela, kwaye banezinto ezikhuselekileyo zokuphepha kwiimoto zabo. Ukuba usanda kutsala umhlalaphantsi kwaye uyeke ukuhamba uye emsebenzini ukususela emini, unokukwazi ukufumana isaphulelo sokuqhuba ngaphantsi.
01 Ngokugqwesileyo: I-Hartford AARP Programme
Le nkqubo yenzelwe abaqhubi abadala kunye neemfuno zabo. Eyona nto iphambili ye-perk kukuba xa uthe wathengisa umgaqo-nkqubo, kuyaqinisekiswa ukuba awuyi kulahla ngaphandle kokuba ungaphumeleli ukuhlawula i-premiums yakho okanye ugcine ilayisenisi yokuqhuba. Unokufumana kwakhona isaphulelo sepesenti ezintathu ngokuthatha ikhosi yokuzikhusela.
I-Hartford ine-hotline yamabango angama-24/7 kwaye ilandelwa ngokukhawuleza ngenkonzo yabo yabathengi. Ukuba usengozini kwaye udinga uncedo ngemisebenzi yasendlini efana nokuhamba inja okanye ukupheka, Ukubuyisela kwakhona ukukhaba kunye nokufakela iindleko zale nkonzo ukuba i-Medicare ayiyi.
Ngesicwangciso se-AARP, unakho ukhetho lokuthenga isicwangciso ngokuchithwa kwexabiso, oko kuthetha ukuba unyaka ngamnye ungeyingozi-mali, i-deductible yakho iya kuncipha. Ngaphandle kwezaphulelo ezikhethekileyo ze-AARP, Iprogram yeHartford inikezela ngemoto yeklasi, iinqwelo zegalufu kunye nephulophu yomshuwalense we-inshurensi kubaxhasi abadala.
Umqhubi we-02, ogqwesileyo ngakumbi: i-Amica Insurance
U-Amica uyinkampani encinci kodwa inamandla yinshuwalense, kwaye inkulu kakhulu yabaqhubi abadala. Ukulinganiswa kwabathengi babo banomlinganiselo ophezulu kumashishini, kwaye bafumana izikhalazo ezimbalwa.
Ukuba uthatha iklasi yokuqhuba umkhuseli nge-SafetyServe, uya kuba nokufumana izaphulelo kwii-premium zama-Amica. Ufumana izaphulelo ezizenzekelayo ngokuhlawula i-premium yakho ngokupheleleyo okanye ukufumana ikhaya lakho. Imigaqo-nkqubo ibuye ifike ngezinye izinto ezintle ezintle, ezinjenge-zero deductible kwi-lock replacement (nokuba izitshixo zakho zibiwe okanye ulahlekelwa kuphela).
03 Izaphulelo ezilungileyo kakhulu: i-Allstate Insurance
Phezulu ekubeni yinkampani yomshuwalense we-stellar, u-Allstate unikeza "isaphulelo esiphezulu" kulabo abathintekayo kumgaqo-nkqubo (okanye basebenze ixesha elilodwa kuphela) nangaphezulu kweminyaka engama-55. Ukuba ungumqhubi okhuselekileyo kwaye ufuna ukugcina ngaphezulu, unokufumana isaphulelo nje ngokuba usebenzisa i-Drivewise app ukulandelela imikhuba yakho yokuqhuba - kunye nenye isaphulelo emva kweenyanga ezintandathu oqhubekayo ukuqhuba ngokukhuselekileyo. Ngokwenene, ufumana isaphulelo emva kwesaphulelo nje ngokuba nguwe! Ukuba unesirki-anti-lock-lock, inkqubo yokulwa nebabi, okanye imoto entsha, uya kukhwela imali yokugcina ezo zinto, nazo.
Nangona kungenakukwazi ukunyaniseka kuwe, ngokuqhelekileyo, abaqhubi abadala baxhomekeke kwiingozi ngenxa yokucotha kwengqondo kunye nezinye iinguqu ezinxulumene neminyaka. Abantu abadala abakhulelweyo kwiingozi baya kuthatha ixesha elide ukuze bafumane kwaye baninzi ukunyanga xa belimazekile. Ezi zinto zengozi zonke zidibanisa nokukhokelela ekuphumeni kwama-premium.
04 Best Best for Occasional Drivers: i-Metromile Insurance
Ukuba uqhuba kuphela inxalenye yonyaka, unokufuna ukucinga ngesicwangciso esenzelwe abo baqhuba iikhilomitha ezili-10 000 ngonyaka. Izicwangciso ezivela kwi-Metromile zihlala zibiza kakhulu kunomgaqo-nkqubo oqhelekileyo ngenxa yokuba ziphulwe kwimali yesiseko ngenyanga kunye nezinga le-mile elikhaba kuphela xa uqhuba isithuthi sakho. Ungakhathazeki, awuyi kuba nako ukubala i-mileage yakho - umgaqo-nkqubo uza necebo lesiplagi. Isixhobo esifanayo sinokukunceda ukuba ufumane imoto yakho epakiweyo kwaye ubale i-gas mileage yakho, kunye ne-app ehamba nayo ingakunika izilumkiso ngexesha lokupaka ukuze ukwazi ukuphepha ukufumana ithikithi engadingekile!
Elinye icala kukuba iMetromile itholakala kuphela eCalifornia, e-Illinois, e-Oregon, ePennsylvania, eVirginia naseWashington, kodwa inkampani iya kuthemba ukuba yandisa ngexesha.
05 Eyona ndlela ihamba phambili kubaVeterans: USAA
Ukuba usebenzele isizwe sethu ngokuhlonipha, uya kufumana uluhlu olubanzi lweenzuzo zezilwanyana, kubandakanywa ukhetho lokuthenga umgaqo-nkqubo wase-USAA. I-USAA idla ngokunikela iminikelo phakathi kwexabiso eliphantsi kakhulu lexabiso leprayim, kwaye inkampani ilandelwa ngokukhawuleza kakhulu kumsebenzi wamakhasimende, ukuzaliswa kwamabango kunye nokukwazi ukufikelela. Abaqhubi abakhulileyo abaqinisekisiwe yi-USAA iminyaka engama-40 baya kufumana ukuhlawulwa kweBhonasi yeMatriki exabisa iipesenti ezili-10 zemali ye-premium yonyaka.
06 Eyona ndlela ihamba phambili yohambo lwabahambi ngeeNdlela: Ifama yeSizwe
Ukuba ungena kwingozi ekhuselekileyo kude nekhaya, iFama yeSizwe ayiyi kuhlawula kuphela iindleko zokulungisa kodwa kwakhona ukutya kwakho, indawo yokuhlala kunye nokuthutha. Ukuba usoloko usendleleni, mhlawumbi ufunde indlela yokuba ngumqhubi okhuselekileyo, kwaye uya kugcina imali ngeProgram ye-Farm Safe and Save ye-Farm Farm, ekunika isaphulelo sama-50 epesenti emva kokuhlalutya ukuqhuba kwakho ubuchule ngokusebenzisa i-app. IFama yeSizwe iphinda inike izaphulelo ngokuthatha ikhosi yokuqhuba.
Xa ubudala buza bubulumko, ngoko mhlawumbi uyazi ngoku ukuba uhlawulela ukuthelekisa ivenkile. Xoxa nomthengisi wakho we-inshorensi okhoyo malunga nokutshintsha kwezinto eziza kwenzeka kunye nendlela iindleko zakho ze-inshorensi zingathinteka ngayo. Hlola ezinye iinketho uze ubuye kwi-arhente yakho yangoku ukuze ubone ukuba kukho inako yokulondoloza.
07 I-Best Best for Owners Vehicle Abanikazi: I-Chubb
Usebenze kanzima amashumi eminyaka, uthatha umhlalaphantsi, kwaye uthenge imoto yamathambo akho. Kutheni kufuneka uqhube uhamba ngokukhawuleza ngenxa nje yokuba wenze utyalomali kwimoto yeklasi kunye nenkampani yakho yomshuwalense ayiqondi into eyinyani? Ukuba uthenga i-inshurensi ye-Chubb, wena kunye nomshuwalense unokuvuma ukuba imoto yakho ibaluleke kangakanani kunokuba ube nokulungelelanisa ixabiso lemarike yesithuthi ukuba libiwe okanye lilonke.
Ukuba awukwazi ukucinga ngombono wokuqhuba imoto engaphantsi kwe-luxury ngenkathi imoto yakho isesitolo, iChubb inika kwakhona ukuqeshiswa kwerenti ukuya kuma-15,000, kwiphina ihlabathi. Njengazo ezininzi izinto ebomini, ufumana oko uhlawulayo: I-Chubb ineziphumo zokunelisa ukwaneliseka kwamakhasimende kunye nomlinganiselo ongaphantsi kwezikhalazo eziqhelekileyo, kunye nokuxhaswa kwezimali "eziphezulu" ngeenkonzo zabo zeglavu.
08 Best Best for High-Risk Drivers: Dairyland
Ngelishwa, abanye abaqhubi abadala bangakhutshwa kwimigaqo-nkqubo yomshuwalense kuphela ngenxa yobudala babo. Ukuba awukwazi ukufumana umgaqo-nkqubo womshuwalense oqhelekileyo, inshuwalense ye-Dairyland ingaba yinto efanelekileyo. Inkampani ibuye isicwangciso se-pay-as-you-go, igqibelele kubadala kwisabelo-mali esiqinileyo esingenakukwazi ukuyiqhuba ngaphantsi kwecebo eliphezulu. Kuzo zonke iinkampani zomshuwalense wee-nonstandard, i-Dairyland ihlala inomlinganiselo omncinci wezikhalazo zabathengi, okwenza kube yinto efanelekileyo ukuba uyayifuna le ndlela yokukhutshwa.
Ukuba ungumqhubi omdala, kufuneka uqiniseke nokuba ugcine ilayisenisi yakho kuze kube yimanje: amazwe amaninzi aya kufuna ukuba uyihlaziye yonke iminyaka emine ukuya kwemihlanu. Kungakhathaliseki ukuba yeyiphi ipolisi oyikhethayo, kufuneka uqiniseke ukuba ufumana amayeza athile ukuqinisekisa ukuba unempilweni ngokwaneleyo ukuqhuba, nokuqonda imiphumo emibi yeyiphi imithi oyithathayo.