Inkokhelo Yakho Yomshuwalense Injani? Iingxelo Zinganokunyuka
Ngaba awufuni ukukwazi? Ngethamsanqa, kukho uphando olulinganisa oku, kwaye siza kubelana ngeziphumo nawe apha.
Yintoni eyenza Ikampani ye-inshurensi ibe bhetele kunabanye?
Impendulo engcono kakhulu kule nto nayiphi na indlela ifanelana nendlela yokuphila kunye neemfuno ezifanelekileyo. Nangona abantu abaninzi bevame ukunyanzeliswa ngetengiso kunye nomlomo, abanye bavame ukuhamba ngamagama e-brand eyaziwayo okanye bahlaziywe ngobungakanani bomshuwalense wemoto kwaye bazame ukuya kwiyona enkulu. Enyanisweni, ngenxa yokuba ezininzi zeenkampani zisebenzisa iinkonzo zengingqi kunye nee-agent okanye i-franchises, ngaphambi kokuya kwinto enokuyenza ngayo yinkampani yinshurensi okanye ukuba zinkulu kangakanani, kuhlala kulungele ixesha lakho ukubona oko umthengi anike ingxelo okanye ngabahlolisisi abazimele abazimele ndikuxelele malunga nendlela inkampani yakho yomshuwalense yemoto ihamba ngayo kwingingqi yakho.
Ikhampani yeNkampani Yomshuwalense Ephakamileyo Ephezulu Kwimeko Yakho Ingamangalisa
I-inshurensi ibhizinisi elithembele ekungeneni kwabantu kunye neenkonzo , kwaye yilapho umnqweno womntu uya kwenza okanye aphule oko uphuma kwi-inshorensi yakho.
Ukuba usebenza kunye ne-adversi ye-claims, okanye umthengisi we-inshurensi okanye i-agent, amava akho ngokuqinisekileyo aya kuba bhetele kunomlinganiselo.
Siza kudlula kwi-JD Power Auto Student Study Satisfaction Study (2015) ngezantsi. Ngaba ubona umshwalense wemoto yakho kwiziphumo? Inkampani yakho yomshuwalense yabekwa njani?
Uzakufumana iimpendulo zakho apha.
Iphi Ikhampani Yomshuwalense Yomlilo Inika Inkonzo Enhle Nexabiso Elikufuphi?
Uphando olunje luba luleke ngakumbi xa uhamba endaweni entsha. Amava akho kunye nenkampani yakho yomshuwalense yemoto kwindawo enye, awanako ukulingana namava afanayo kwenye indawo ngenxa yemeko eyahlukeneyo yindawo. Njengoko siphumelele kwiziphumo, uya kubona ukuba akukho mshwalense olawulwa kulo lonke ilizwe *.
Ingaba i-Premium yomshuwalense weNqwelo yakho yenyuka? Uyakufumana kwakhona indlela iNkampani yakho Yomshuwalense iThengisa ngayo kwixabiso
Olu luhlu lunakho ukukunceda ukuba uhlolisise ukuba ufumana into engcono kakhulu kwi-inshurensi yemoto kwaye ikunike isibonakaliso sokuba ingafanelekile ukutshintsha inkampani yakho yomshuwalense wemoto ukugcina imali kwi-inshurensi yemoto yakho.
Ufuna Ukwazi Yiyiphi Ikhampani Ephezulu Yomshuwalense Emotweni Kwilizwe Lakho?
I-JD Power ilinganise iinkampani zomshuwalense wemoto ngokusekelwe kwiingcaphephe ezizimeleyo nezingabandakaliyo zabathengi ukuba baneliseke kumakha kwezi zigaba zintlanu:
- Ukwaneliseka ngokupheleleyo
- Ukunikezelwa kweMigaqo
- Ixabiso
- Ukuhlawula kunye nentlawulo
- Ukusebenzisana kunye namabango
Ezi zilandelayo zizuze iikhampani zomshuwalense yeemoto zonyango ezibhalwe ngummandla esekelwe kwidatha yakutsha nje ka-2015 kwi-JD Power yabathengi.
Ukuba inkampani yakho yomshuwalense wemoto ayifumananga ibhaso, unokuklikha umnxibelelwano kwingingqi yakho ukuze ubone indlela inkampani yakho yomshuwalense ibeka ngayo. Ndiye ndafaka uluhlu lweenkcazo apho inkampani yenkampani yomshuwalense ayifumananga ukuba ibhaso kodwa ifumene isikhundla esiphezulu kumabango. Ngamanye amaxesha ukufumana ixabiso elifanelekileyo akusoloko liyona nto ibaluleke kakhulu kwintengiso yomshuwalense wakho, ngoko ndikukhuthaza ukuba ucofe kwi-link yakho kwingingqi ukuze ubone ingxelo epheleleyo.
I-USAA Ininshurensi * yayineendawo eziphezulu kwiindawo ezininzi
Kuyaphawuleka ukuba i-USAA Intshuwalense ibeka ngokulinganayo kwimimandla embalwa njengommkeli oyiphumelelayo, nangona kunjalo, kuba ivulekele kuphela kwi-United States Military kunye neentsapho zabo, kwakungakhange kuthathelwe ingqalelo kumbhozo, owenza ufikeleleke ngokubanzi kwiingqalelo. Apho i-USAA ikwahlula ngokulinganayo, ndabonisa kwinqanaba lokunikezelwa kwenkwenkwezi (*).
Kule meko, ukuba unelungelo lokufumana i-inshuwalense ye-USAA, ngokuqinisekileyo kufuneka ukhangele, ngakumbi ukususela ekubeni u-USAA unika ne- inshorensi yasekhaya, inshuwalense yezilwanyana , kunye nezinye iinkqubo ezizodwa.
Ikhampani ye-Assurance Car Best njengoko ilinganiswe ngabaThengi ngoRhulumente kwiSifundo esizimeleyo
Inkampani e-Rated Car Insurance yaseRussia *
UWawanesa walinqoba ibhaso
Ingqwalasela ephawulekayo kufuneka ihambe kwi-Hartford, eyafumana amanqaku aphezulu kakhulu kunye ne-Auto Club yase-Southern California Group Group, zombini le nkampani inomgangatho wokwaneliseka kwamabango aphezulu, kwaye yazuza kakuhle kwezinye iindawo zophando.
Ummandla we-Southeast United States
- I-Tennessee Farm Bureau iphumelele ibhaso
ETexas
- I-Texas Farm Bureau *
Ummandla waseMzantsi-merika wase-United States unabanqobi ababini
Kukulungele ukukhangela ukulinganisa ukufumana ingqondo engcono yabaphumeleleyo kule ndawo. Apha kukho amabhaso amabini anikwe:
- IHartford iphumelele umvuzo
- IFama yeSizwe nayo yanqoba ibhaso
Ifama yeSizwe yayinamandla ngakumbi kwiBilling and Payment , kwakunye nokulinganisa ukulinganisa. I-Hartford Ibango lokuneliseka kweNkcazo yinto efanelekileyo. Ukhetho olunzima, kodwa luhlawulela ukwazi idatha.
Umninimzi weNkqantosi yeNtshona-ntshona eMelika
- Intshurensi yePEMCO
Umphumeleli weMaphunga eFlorida *
- GEICO
Kuyaphawuleka ukuba iMetrolife kunye neLungelo lokuLawulwa kweMali lifumana ukulinganisa okuphezulu kwiimangalo zokuneliseka eFlorida kwaye, nangona kunjalo, akazange ahlawule ngokuthe rhoqo kwizinye iindidi.
I-Central Central United States I- Award Car Award Winner *
Ininshurensi yabane-Auto
Kulo mmandla, kwakubonakala ukuba akukho namnye wabathengi abaphumelele ukulinganisa okuphezulu kumabango ekufundweni kweli gama (ngaphandle kwe-USAA, njengoko kuboniswe yinkwenkwezi (*).
Ikhampani yeNkampani Yomshuwalense Wenqwelo-moya yaseNew York Ngokutsho kwabathengi
- Ifama kaRhulumente
Yintoni enomdla apha kukuba ukulinganiswa kwamanqaku akubangeyona ephezulu kwiFama kaRhulumente, kodwa ukulinganisa jikelele kuya kuba kutheni bawine umvuzo. Umncintiswano kuphela kwiphondo laseNew York kunye nokulinganisa okuphezulu kwamabango abahambi. Ngelishwa le nto ayizange ibanike umvuzo.
Ikhampani ye-Intanethi yaseNtshonalanga ye-US Central Car Ngokutsho kwabathengi *
Ininshurensi yabane-Auto
I-Hartford kunye nelizwe lonke bafumana amanqaku aphezulu kwiinkonzo zamabango aseNyakatho ye-US kunye ne-USAA.
I-New England Engcono kakhulu Imoto Yomshuwalense njengoko Ilinganiswe ngabaThengi *
U-Amica Mutual ufumana ibhaso ngenkonzo ephakanyisiweyo ephezulu kwibhodi.
Inkampani ephakamileyo ye-Mid-Atlantic Car Insurance *
U-Erie umshuwalense wanqoba ibhaso ngokulinganisa okuphezulu.
Iziphumo zazimangalisa kakhulu ku-Erie Insurance xa kuthelekiswa nabanye ababoneleli bomshuwalense kummandla. Isithembiso sabo sokubonelela i-inshorensi (ukususela ngo-1925), ukukhankanya oku kulandelayo kuyamangalisa: 'ixhomekeke kwimigaqo yokunyaniseka, ukuhlonipha, inkonzo kunye nokufikelela' . Baphinde basebenze kunye nama-inshorensi abazimele.
Kwakhona kuyaphawuleka ukuba iNJM Insurance Co. Kwakhona bafumana amanqaku aphezulu kwibhodi, nangona bafumana kuphela ukuxhaswa kwabathengi abancinci njengamalungu e-New Jersey Business & Industry Association, abasebenzi baseNew Jersey kunye kuphela nabo badibanisa imigaqo ethile yokubhala phantsi-ngoko ke abazange bafanelwe ukufumana ibhaso, kodwa ngokuqinisekileyo sifanele sikhankanywe njengenqwelo-mboleko ephezulu enommandla. Ukuba ufanelekele i-inshurensi ngabo, kuyafaneleka ukuba ungene.
Fumana Ulwazi Lwabathengi basekuhlaleni kwiiNkampani zeNshoni ye-Intshumo yokukhetha i-Inthanethi ye-Car Best
Oku kugqiba ukuhlaziywa kwam kwi-JD Power isifundo esinikeze ingqiqo ebalulekileyo malunga nendlela abathengi abavakalelwa ngayo kwi-State ukuya kwiNkcukacha malunga nenkonzo kunye neengxelo abafumanayo kwinkampani yomshuwalense wemoto.
Into ebalulekileyo kakhulu kukuba iinkampani ezahlukeneyo ze-inshorensi zibonakala zinamandla abo kwimimandla eyahlukeneyo, kwaye nokuba isahlulo semarike yeenkampani ezinkulu ze-inshorensi ayifuni ukuba zifumane indawo ephezulu, okanye ibhaso.
Ukuba uhamba ukusuka kwenye indawo ukuya kwelinye, okanye uyazibuza ukuba inkampani yakho ye-inshorensi iye yahamba kunye noluntu, ihlawulela ukujonga iingcamango zabathengi basekhaya ukuba ziqonde indlela yokufumana inkampani yomshuwalense eya kukunika ixabiso elihle kunye nenkonzo .