Izinkampani zomshuwalense wezimoto ezihamba phambili e-united states. Ukuqhathanisa izingcaphuno zomshuwalense wemoto ezivela ezinkampanini ezinhle kakhulu kungakhokha izinzuzo ngendlela yamanani aphansi nokutholakala okungcono. Senze ingxenye yemininingwane yokuqoqa umsebenzi wasensimini futhi senza uhlu olubanzi lwezinkampani zemishwalense ezihamba phambili. Uyini umshwalense omuhle kakhulu wemoto? Nazi izimpendulo.
Umshuwalense wemoto omuhle kakhulu e-United States
I-USAA
I-USAA iyinkampani yomshuwalense wezimoto ehamba phambili kunazo zonke esingayithola. Ocwaningweni lwethu, amakhasimende e-USAA athe anelisekile kakhulu ngokuhlinzekwa kwamakhasimende e-USAA. Baphinde bathanda inqubo elula yenkampani yokufaka isimangalo, kanye nokuvuselelwa okuvamile ngesimo sezimangalo.
Izinketho zokuhlanganisa nezesaphulelo
Njengezinye izinkampani eziningi zomshuwalense wezimoto, izinqubomgomo ze-USAA zinikeza:
- Isibopho sokulimala komzimba
- Isibopho sokonakala kwempahla
- Ukushayisana nokubika okuphelele
- Ukuvikelwa komshayeli okungavunyelwe
- Ukuvikelwa kokulimala komuntu kanye nezinkokhelo zezokwelapha.
Ngokwengeziwe, i-USAA inikeza ukumbozwa kokukhishwa kwabashayeli beLyft nabakwa-Uber, usizo lomgwaqo olungu-24/7, nokusabalala kokudonsa. Amakhasimende e-USAA nawo angahlanganisa izinqubomgomo zawo zezimoto nabaninikhaya, noma akhethe okunye okufihliwe okufana nempilo, abaqashi noma umshuwalense we-condo, noma umshuwalense wesikebhe.
Uma kukhulunywa ngezaphulelo, i-USAA inikeza:
- Izaphulelo zomshayeli ophephile
- Izaphulelo zabafundi zabashayeli abangaphansi kweminyaka engama-21 ubudala.
- Izaphulelo zezimoto eziningi nezinqubomgomo eziningi
- Izaphulelo eziyisisekelo nezesitoreji.
- Izaphulelo zamamayela
- Ukubuyiselwa kwezaphulelo kumakhasimende
Izisebenzi zamasosha zamanje ezihlala phansi noma ezigcina zithunyelwe phesheya zingathola izaphulelo ezingaphezu kuka-60%. Ngokwengeziwe, i-USAA inikela ngokuxolelwa ngengozi uma uthatha iminyaka emihlanu ungenazo izingozi noma uma ugcina usuthole kunoma iyiphi ingozi othathwa njengongenaphutha kuyo.
Isipiliyoni seDijithali
Kukholwe noma ungakukholwa, i-USAA empeleni inikela ngesipiliyoni esihle sedijithali ngewebhusayithi ye-USAA kanye nohlelo lokusebenza lweselula. Ngewebhusayithi ye-USAA, amakhasimende angasebenzisa ithuluzi lesilinganiso samahhala futhi athole amanani ngaphandle kokunikeza ikheli le-imeyili noma inombolo yocingo.
Isayithi lifaka nengcebo yolwazi ngezinketho zokuhlanganisa, amathuluzi wokuhlela nokubala, kanye nomshuwalense ojwayelekile namathiphu okuphatha imali. Uhlelo lokusebenza lweselula lwase-USAA luphinde lunikeze ukufinyelela okuphephile kumakhasimende ukuthi akhokhe isikweletu sawo, afinyelele kumakhadi e-ID edijithali nezinqubomgomo zomshuwalense, noma aqale inqubo yezimangalo.
Uma kukhulunywa ngenqubo yezimangalo, i-USAA yenza kube lula kuwe ukuthi uqedele yonke inqubo ngokwamanani, okulungele abantu abasendleleni. Lapho ugcina usengozini yemoto, ungamane uye kuwebhusayithi ye-USAA noma uvule uhlelo lokusebenza lweselula bese ufaka isimangalo sakho.
Uma kudingeka ulwazi olungeziwe, isilungisi sezimangalo sizokwazisa ngomyalezo wombhalo noma nge-imeyili. Ngokwengeziwe, ungalayisha izithombe zomonakalo neminye imininingwane edingekayo ngesayithi noma ngohlelo lokusebenza ukuze unamathisele isimangalo sakho.
Ukwaneliseka kwamakhasimende
Uma kukhulunywa ngezilinganiso, i-USAA auto Insurance ithola izilinganiso eziphakeme kakhulu. Eqinisweni, i-JD Power inikeze i-USAA ezinye izilinganiso eziphakeme kakhulu esifundweni sayo se-2020 US Auto Insurance Study, KANYE Izindaba zase-US noMbiko Womhlaba babuye bafaka inkampani njengenketho yabo ephezulu ekubuyekezweni kwabo kwezinkampani zomshuwalense eziphezulu zango-2020.
I-USAA ibuye ithole izilinganiso zamandla ezihamba phambili zezimali ezivela ezinsizakalweni zokulinganisa ze-AM Best. Ekugcineni, iNational Association of Insurance Commissioners (NAIC) ibike ukuthi i-USAA inezikhalazo ezimbalwa zamakhasimende kunalezo eziphakathi embonini.
Isinqumo sethu e-USAA
Uma uhlangabezana nenqubo yokutholakala komshuwalense we-USAA, kufanele nakanjani uyisebenzise. Le nkampani inikeza ngamanani amahle, izaphulelo ezihlaba umxhwele zamalungu wamanje ezempi, kanye nokuhlangenwe nakho okuhle kwe-inthanethi.
Eqinisweni, okuwukuphela kokubi esingakuthola kule nkampani ukutholakala kwayo okulinganiselwe. I-USAA inikela ngezinsizakalo zayo kumakadebona kuphela, amalungu ezempi, kanye nemindeni yabo eseduze, ngakho-ke abathengi abaningi ngeke bakwazi ukuthola umshuwalense enkampanini yethu yomshuwalense osezingeni eliphakeme.
UGeico
Umshuwalense wemoto yakwaGeico . IGeico iyinkampani yomshuwalense wesibili ehamba phambili kunazo zonke, futhi nomuntu oyi-caveman uyabona ukuthi kungani. Abathengi bathe iGeico yenza kube lula ukufaka isicelo futhi bahlela ukuvuselela izinqubomgomo zabo. Iningi liphinde labika ukuthi bangancoma lo mshuwalense. Noma kunjalo, abanye bebengenelisekanga ngenani abalithola kwaGeico.
Ukufunda
Izinketho eziningi zokuhlanganisa ze-GEICO zifaka:
- Ukufakwa kwesikweletu
- Ukushayisana nokuhlangana
- Ukuvikelwa kokulimala komuntu
- Ukuvikelwa komshayeli okungavunyelwe
- Umshuwalense wokuvikela impahla oqinisekisiwe (GAP)
- Umshwalense wokuwohloka kwemishini
- Umshuwalense wohambo olwabiwe
- Usizo oluphuthumayo lomgwaqo
- Ukubuyiselwa kwemali yokuqasha imoto
Ngaphezu kokumboza izimoto, i-GEICO inikela ngezinqubomgomo zezimoto ezahlukahlukene: izithuthuthu, izimoto ezisendaweni yonke (ama-ATV), izikebhe nezimoto zokuzijabulisa. Le nkampani iphinde inikeze ezinye izinhlobo zokumbozwa, ezifana nabanikazi bezindlu kanye nomshuwalense wabaqashi, ongazihlanganisa nomshuwalense wakho wemoto.
Izaphulelo
Enye yamandla amakhulu we-GEICO ububanzi nobubanzi bezinketho zayo zesaphulelo. Amanye amakhefu uma imoto ine:
- Ama-airbags
- Ama-anti-lock brakes
- Uhlelo lokulwa nokweba
- Kuyimoto entsha
Amanye amakhefu ahlobene nawe nokuziphatha kwakho. Ungasifanelekela isephulelo uma:
- Umshayeli omuhle
- Ukusetshenziswa kwebhande lesihlalo
- Umshayeli onesizotha
- Isitshudeni
- Isisebenzi sikahulumeni
- Ilungu lamabutho ahlomile
Le nkampani ibuye ibambisane namakhulu amaqembu, izinhlangano, nezinkampani ukuhlinzeka ngamanani akhethekile amalungu noma abasebenzi. I-GEICO iphinde inikeze izaphulelo zokwethembeka kwamakhasimende - kunezaphulelo zezimoto eziningi nezinqubomgomo eziningi. Amanye amakhefu afakwe kuhlu olungenhla akhulisa isikhathi eside lapho ugcina khona umshwalense wakho we-GEICO.
Isipiliyoni seDijithali
Ngaphezu kokunikezwa kwayo kwesaphulelo, esinye sezizathu esenza abantu bayithande i-GEICO kungenxa yohlelo lwayo lweselula. Yize izinkampani eziningi zomshuwalense wezimoto sezihambile kwidijithali, iGeico ihamba phambili uma kukhulunywa ngezokuxhumana, inikezela ngamathuluzi e-inthanethi asezingeni eliphezulu nokusebenziseka kalula kwewebhusayithi yenkampani kanye nohlelo lokusebenza lweselula.
Njengoba isiqubulo sisho, i-GEICO inikeza inqubo esheshayo yesilinganiso ngewebhusayithi yabo. Uma usubhalisile kumshuwalense we-GEICO, ungaphatha inqubomgomo yakho futhi wenze izinguquko 24/7 ngokusebenzisa ingosi yamakhasimende eku-inthanethi. Ungafaka futhi izimangalo noma uhlole isimo sezimangalo ezisalindile, uthole izingcaphuno zokwengeza abashayeli noma izimoto ezintsha kunqubomgomo yakho, nokuningi.
Uhlelo lokusebenza leselula le-GEICO libuye libe yimpahla engakholeki kumakhasimende. Ngohlelo lokusebenza lwe-GEICO, ungacela usizo oluphuthumayo lomgwaqo, ubuke amakhadi e-ID yomshuwalense wedijithali, ubike isimangalo (noma ulandelele izimangalo ezikhona), futhi uthole usizo olubonakalayo. Isici sayo Sokunakekelwa Kwezimoto Ezihamba Phambili, ukusebenzisana neCARFAX, sikuvumela ukuthi ubuke izindleko zokulungisa imoto yakho, ukukhumbula, nomlando wensizakalo yakho.
Ngokwengeziwe, i-GEICO manje isinikeza ukuxhumeka ku-Amazon Echo noma iGoogle Home yakho, kanye nokunikeza izinketho zomyalo wezwi nge-smartphone yakho ukuze ukwazi ukufinyelela kulwazi lwenqubomgomo noma ucele usizo noma kuphi, nganoma yisiphi isikhathi.
Ukwaneliseka kwamakhasimende
I-GEICO ihlala ithola amamaki aphezulu kumakhasimende ayo nakuchwepheshe bemboni. Eqinisweni, inkampani igcina isilinganiso se-A + ne-Better Business Bureau.1(BBB) kanye nesilinganiso se-A ++ ngamandla wezezimali nge-AM Best. Ngokwengeziwe, iJD Power isanda kunikeza iGeico indawo ephambili esifundweni sayo sokuthenga umshwalense ngo-2020.2.
Izikhalazo ze-GEICO ngeSpanishi
Inombolo yocingo UGeico , ukunakekelwa kwezebhizinisi: (866) 509-9444. Ucingo oluphenya kabanzi: (800) 207-7847. Ngezimo eziphuthumayo emigwaqweni noma emigwaqweni emikhulu, shayela inombolo UGeico : (800) 424-34 26.
Isinqumo sethu ku-GEICO
Uma ufuna inkampani yomshuwalense omkhulu wemoto enikela ngamanani wokuncintisana nohlu olude lwezaphulelo ezingakholeki, i-GEICO nakanjani iyindlela engcono kakhulu kuwe. Futhi, ezinye zezici ezimangalisayo zohlelo lokusebenza lweselula lwe-GEICO zenza le nkampani ivelele kubo bonke abahlinzeki bomshuwalense abaphezulu ezweni lonke.
Allstate
Ngokwenhlolovo yethu, u-Allstate ubalwa njengenkampani yomshuwalense yesithathu ehamba phambili. Le nkampani igcina iningi lamakhasimende ayo ezandleni ezinhle, iningi labaphendulile lathi liyaneliseka ngokuthi kulula kanjani ukufaka isicelo.
Baphinde balithokozela izinga lezinsizakalo zamakhasimende abalitholile. Yize eshaya amanothi ambalwa aphezulu, u-Allstate ulahlekelwe yindawo ethile lapho sibuza ukuthi amakhasimende angayincoma yini kwabanye - amakhasimende amabili kuphela kwabathathu e-Allstate athe angathanda.
State Ipulazi
Ukuza endaweni yesine ekuklelisweni kwethu kwezinkampani zomshuwalense wezimoto ezihamba phambili yiState Farm. Lo mshuwalense wenza kube lula ukufaka isicelo, ngokusho kweningi labaphendulayo, iningi labo elihlela ukuvuselela inqubomgomo yabo.
IState Farm sithole amaphuzu aphansi kancane lapho sibuza ukuthi amakhasimende anelisekile yini ngokubuyekezwa kwesimo senkampani ngesikhathi senqubo yokufaka izicelo zezicelo. Abashayeli abanomshwalense ngeState Farm babike ukuthi inkampani iyinani elihle.
Izinketho zokuhlanganisa nezesaphulelo
I-State Farm inikela ngemboleko yomshuwalense wemoto ebanzi njengale:
- Ukufakwa kwesikweletu
- Ukushayisana nokuhlangana
- Izinkokhelo Zezokwelapha Nokuvikelwa Kokulimala Komuntu (PIP)
- Ukuvikelwa Kwezimoto Okungavunyelwe
- Umshuwalense we-GAP
- Umshuwalense wohambo olwabiwe
- Usizo oluphuthumayo lomgwaqo
- Ukubuyiselwa kwezindleko zokuqashwa kwezimoto nokuhamba
Ngaphezu kwalokho, i-State Farm inikeza ukumbozwa kwezinye izimoto, njengezithuthuthu, izikebhe nama-ATV. Ungahlanganisa ukumbozwa kwakho okuzenzakalelayo ngenye yezinqubomgomo zakho zomshuwalense.
Uma kukhulunywa ngezaphulelo, iState Farm inikeza izinketho eziningi zabashayeli abaphephile, izimoto eziphephile, nokwethembeka kwamakhasimende. Ukuhlanganisa izinqubomgomo ezahlukene zomshuwalense kungonga kuze kufike ku-17%, nezinqubomgomo zezimoto eziningi kuze kufike ku-20%.
Isipiliyoni seDijithali
Uma kuqhathaniswa nezinye izinkampani ezinkulu zomshuwalense, iState Farm sisalela emuva kancane uma kukhulunywa ngokuhlangenwe nakho kwedijithali okuhambisanayo. Ngalokho kusho, i-State Farm iqale ukubambisana ne-SalesForce ngo-2018 ukuthuthukisa ulwazi oluku-inthanethi lwamakhasimende ayo. Njengamanye amawebhusayithi amaningi womshuwalense, manje usungaphatha i-akhawunti yakho ngokusebenzisa ingosi yamakhasimende kaHulumeni wasePulazi.
Ukwaneliseka kwamakhasimende
I-State Farm inemiklomelo eminingi kanye nokunconywa ngokusebenzela amakhasimende ayo. Isifundo se-JD Power sika-2019 se-US Auto Claims Satisfaction Study sibeke kuState Farm indawo yesi-7 ezinkampanini zomshuwalense ezingama-255 5. Vele, okwenza i-State Farm ivelele yilawo ma-ejenti enkonzo yasendaweni, athola amamaki aphezulu wokusebenza kahle, onolwazi, futhi atholakale kalula (ngaphandle kokushaya inombolo engu-1-800 nokubekezelela imiyalo engapheli nokulinda ulindile).
Isinqumo sethu ngeState Farm
Yize i-State Farm inganikeli ngezinzuzo eziningi zedijithali njengezinye izinkampani ezinkulu zomshuwalense, inkampani inikela ngenethiwekhi ebanzi yama-ejenti ukukusiza ngezidingo zakho zomshuwalense nganoma yisiphi isikhathi. Ngokwengeziwe, i-State Farm ingenye yezinkampani zomshuwalense ezindala kakhulu embonini futhi inerekhodi elihle kakhulu namakhasimende.
Mutual mutual
U-Amica Mutual Insurance uthole indawo yokuqala esifundweni se-JD Power sika-Claims Satisfaction Study iminyaka eminingana ilandelana, kufaka ne-20195 5
. Ukusuka kwizikhalazo eziphansi kuya kumaphrimiyamu aphansi, iqoqa okuphezulu ezindaweni ezahlukahlukene. Sikugqamisa njengokuhamba phambili okususelwa ekwanelisekeni kwezimangalo.
Izinketho zokuhlanganisa nezesaphulelo
Njengezinye izinkampani eziningi zomshuwalense wezimoto, u-Amica unikeza zonke izembozo zokukhetha ezikudingayo nezizuzisayo ongazidinga: usizo lwasemgwaqweni olungu-24/7, ukubuyiselwa kwemali yokuqasha imoto, kanye nokufakwa kwengilazi.
I-Amica ibuye inikeze ngephakeji ebandakanya wonke umuntu ebizwa ngePlatinum Choice Auto, efaka izinzuzo njengokuxolelwa ngengozi, ukumbozwa kwengilazi eshiwo ngenhla, ukuqapha ukwebiwa kobunikazi, kanye nokumbozwa kokuqashwa kwezimoto eziphambili. Amakhasimende nawo angathola izaphulelo zokudlulisela nokwethembeka.
Amanani ka-Amica ayancintisana. Yize inganikeli ngenani elikhulu lezaphulelo, inkampani inayo:
- Izaphulelo zemoto ephephile kuma-airbags, ama-anti-theft system nokuningi
- Izaphulelo zezimoto eziningi nezinqubomgomo eziningi
- Izaphulelo zokwethembeka kumakhasimende ahlala no-Amica iminyaka engaphezu kwengu-2.
- Ukuzihlola nokukhipha izaphulelo kukhokhwe ngokuphelele
- Isaphulelo se-elekthronikhi samakhasimende angenamaphepha
Sicela wazi ukuthi u-Amica Mutual okwamanje akatholakali eHawaii.
Isipiliyoni seDijithali
Sekukonke, iwebhusayithi ye-Amica nohlelo lokusebenza lweselula lubaluleke kakhulu futhi alwenzi lutho oluhlaba umxhwele kakhulu. Noma kunjalo, kulula ukuzulazula futhi ungenza imisebenzi ejwayelekile njengokukhokha izikweletu noma ukuthola amakhadi we-ID. I-Amica ibuye ivumele amaklayenti ayo ukuthi athumele izimangalo ngohlelo lokusebenza nange-inthanethi. Amakhasimende futhi angacela usizo lomgwaqo ngokusebenzisa uhlelo lokusebenza.
Ukwaneliseka kwamakhasimende
Ukubuyekezwa kwamakhasimende e-Amica kukuhle kakhulu. Ngokwengeziwe, inkampani inesilinganiso sezikhalazo esingu-0.36 neNational Association of Insurance Commissioners, okungenye yezindawo ezisezingeni eliphansi embonini. Amakhasimende athi u-Amica uphatha izimangalo ngokushesha nangendlela efanele nokuthi abamele izinsizakalo zamakhasimende bahlala batholakala ukuphendula imibuzo.
Isinqumo sethu ku-Amica
Ngenkathi u-Amica Mutual enganikeli ngezaphulelo ezikhethekile noma izinsimbi zedijithali namakhwela, idumela layo lokuhlinzekwa kwamakhasimende nokwaneliseka kwezimangalo kuyazikhulumela. Futhi amaprimiyamu akho awaxhunyiwe ku-inthanethi; empeleni, ziphakathi kwabaphansi kunabo bonke ebhizinisini. Siyincoma kakhulu le nkampani uma ufuna umhlinzeki onokwethenjelwa uma kufika isikhathi sokwenza isimangalo.
Iyaqhubeka
UFlo, owesifazane ojabule onqekuzisa ikhanda ovela kuProgressive, angaba nguNombolo 1 ezinhliziyweni zabakhangisi, kodwa uProgressive uyinkampani yomshuwalense ongunombolo 6 ohlwini lwethu. Lo mshuwalense uthole amaphuzu akhe aphakeme kakhulu ukuze kube lula ukufaka isicelo kanye nenkonzo yamakhasimende enkampani. Uma kukhulunywa ngenani, izinkampani eziningi eziyizimbangi zithole izilinganiso eziphakeme ezivela kumakhasimende azo. Amaphesenti aphezulu wamakhasimende aqhubekayo ahlelile ukungavuseleli kunanoma iyiphi enye inkampani.
Ukufunda
Uma kukhulunywa ngokumbozwa okuzenzakalelayo, okunikezwayo okuqhubekayo:
- Isibopho sokulimala komzimba
- Isibopho sokonakala kwempahla
- Ukushayisana nokubika okuphelele
- Ukuvikelwa komshayeli okungavunyelwe
- Ukuvikelwa kokulimala komuntu kanye nezinkokhelo zezokwelapha.
- Ukusabalala kweGAP
- Izinqubomgomo zomshuwalense wezambulela
Ngokwengeziwe, i-Progressive inikezela ngezinto ezihlukile njengokufakwa kwe-rideshare kubashayeli beLyft ne-Uber, ukumbozwa kwezimoto zakudala zezimoto zamavini, umshuwalense wokuhamba waseMexico walabo abawela umngcele, kanye nokufakwa kwezingxenye ngokwezifiso zemishini ye-aftermarket.
Kulabo abafuna ukushintshela zonke izinqubomgomo zabo zomshuwalense ku-Progressive, inkampani iphinde inikeze ukumbozwa kwabaninikhaya nezinye izakhiwo, ngaphezu komshuwalense wokuphila nezinye izinqubomgomo zomuntu siqu.
Izaphulelo
Uhlelo lukaProgressive's Snapshot lenza ngendlela oyifisayo isilinganiso sakho kuye ngemikhuba yakho yangempela yokushayela, engakwazi ukusiza abashayeli abahle ukuthi bonge imali, kepha engasiza abashayeli abanerekhodi ukwehlisa amaphrimiyamu abo ngokuhamba kwesikhathi. Ukuqhubeka kunikeza isaphulelo esimaphakathi cishe sama- $ 26 esikhathini sakho sokuqala senqubomgomo nje sokubhalisela uhlelo lwe-Snapshot, futhi abashayeli abaningi bonga isilinganiso esingu- $ 145 njalo ezinyangeni eziyisithupha ngohlelo lwe-Snapshot.
Uma ufuna ezinye izindlela zokonga imali, i-Progressive iphinde inikeze:
- Izaphulelo eziku-inthanethi zalabo abathola izingcaphuno futhi babhalise kuzinqubomgomo online
- Izaphulelo eziningi zemoto nenqubomgomo kumakhasimende aqoqa izinqubomgomo
- Izaphulelo zabashayeli bentsha zabashayeli abangaphansi kweminyaka engu-18, kanye nezaphulelo zabafundi ezikoleni zamabanga aphakeme nezamakolishi ezinamabanga amahle
- Izaphulelo kuzinkokhelo ezizenzakalelayo zabanininqubomgomo abasebenzisa izinkokhelo ezizenzakalelayo
- Izaphulelo ezingenamaphepha zabaninipholisi abangenaphepha
- Isaphulelo esigcwele esikhokhelwe amakhasimende akhokha imali yawo ephelele esikhundleni sezitolimende zenyanga
- Izaphulelo zokwethembeka kulabo abavuselela izinqubomgomo noma abafaka izinqubomgomo ezengeziwe kamuva
Isipiliyoni seDijithali
Ukuqhubeka empeleni kunikeza okunye kokuhlangenwe nakho okuhle kakhulu kwedijithali kwazo zonke izinkampani ezinkulu zomshuwalense ezweni lonke, ngezici ezahlukahlukene ezinjengeGama Ithuluzi Lakho Lentengo kanye neThuluzi Lokuqhathanisa, okukuvumela ukuba uqhathanise amanani eceleni.enye lapho uthenga inqubomgomo .
Ngokwengeziwe, i-Progressive app (etholakala nge-Google Play Isitolo kanye ne-Apple App Store) ikuvumela ukuthi uphathe inqubomgomo yakho noma ukuphi. Ngohlelo lokusebenza, ungathola usizo lomgwaqo olungu-24/7 bese ufaka isimangalo, wenze izinkokhelo noma ushintsho lwenqubomgomo, uphinde uthole ikhadi le-ID ledijithali lokunikeza ubufakazi bomshuwalense.
Kodwa-ke, okwamanje awukwazi ukuphatha inqubomgomo yomnikazi wakho ngohlelo lokusebenza, ngakho-ke labo abanezinqubomgomo eziningi bangasebenzisa futhi ingosi eku-inthanethi ngokusebenzisa iwebhusayithi ye-Progressive lapho benza izinguquko zenqubomgomo.
Ukwaneliseka kwamakhasimende
Ngenkathi izinzuzo ze-Progressive zibonakala zingapheli, akuwona wonke amakhasimende azizwa ngendlela efanayo. Kunhlolovo yakho yokwaneliseka kwesimangalo sango-20196 6, I-JD Power ilinganise ukuqhubekela phambili engxenyeni engezansi (17 kwabangu-25) yabomshwalense bezimoto base-US, okusho ukuthi abanikazi bezinqubomgomo abajabule neze ngezimali zabo zokukhokhelwa.
I-BBB inika i-Progressive isilinganiso se-A +, kepha inkampani inenkanyezi emaphakathi kuphela ekubuyekezweni kwamakhasimende. Lapho kubuyekezwa amarekhodi ezikhalazo e-BBB, kubonakala sengathi iningi lezikhalazo ligxile ekucutshungulweni kwezimangalo nasezinqumweni zokwehluleka kwengozi. Lokhu mhlawumbe kuchaza ukuthi kungani i-JD Power ikhiphe isilinganiso esikwenzile.
Isinqumo sethu ngokuqhubekayo
Sekukonke, i-Progressive ikhanya impela ekunikezelweni kwayo kwesaphulelo kanye nokuzimisela kwayo ukwamukela abashayeli abanobungozi obukhulu. Ngenxa yalokhu, sincoma kakhulu Progressive kunoma yimuphi umshayeli onomlando wezingozi noma ezinye izici ezingezinhle zerekhodi labo lokushayela. Eqinisweni, siphakamisa ukuthi ubhalisele uhlelo lwe-Snapshot bese uvumela ukubhaliswa kwakho kwamanje ukukusize wehlise amanani ongawathonya esikhathini esedlule njengamanje.
Umndeni waseMelika
okulandelayo yi-American Family, esendaweni yesikhombisa kulolu hlu. Iningi lamakhasimende linelisekile ngendlela i-American Family exazulule ngayo izimangalo zabo, izinkampani ezimbalwa kuphela ezithola kangcono kulesi sigaba. Kweminye imibuzo esele sibuze abashayeli abanomshwalense ngomndeni waseMelika, le nkampani ithole kuphela amaphuzu aphakathi.
Lo mshuwalense uthole amaphuzu aphansi kunazo zonke izinkampani lapho sibuza ukuthi abantu bangayincoma yini kubangani babo. Yizingxenye ezimbili kuphela kwezintathu zalabo okwaxoxwa nabo abathi kungenzeka noma banamathuba amaningi okwenza lokho.
Kuzwelonke
Ngokuya ngocwaningo lwethu lwabathengi, iNationalwide iyinkampani yomshwalense wezimoto ehamba phambili kunazo zonke. Lo mhlinzeki womshuwalense uvame ukuthola amaphuzu aphansi ebhodini, abaphenduli abaningi abanelisekanga ngokuvuselelwa kwesimo seNationalwide ngesikhathi senqubo yezimangalo noma ngendlela izicelo zabo ezixazululwe ngayo. Kuzwelonke, ithole amaphuzu aphansi ngokukhethekile ngenani layo.
Abahambi
Indawo ephansi kunazo zonke ezingeni lethu lezinkampani zomshuwalense wezimoto ezihamba phambili ibanjwe Abahambi. Njengoba ubungalindela kumhlinzeki womshwalense okleliswe ekugcineni, amakhasimende Abahambi awazange abike ukwaneliseka okukhulu emibuzweni eminingi ocwaningweni lwethu.
Abashayeli abafake izimangalo kubahambi abajabule ngendlela inkampani exazulule ngayo izimangalo, futhi abaningi abakholelwa ukuthi Abahambi banikeza inani elihle. Kuyathakazelisa ukuthi abahambi bathole amaphuzu ngokuhloniphekile lapho sibuza ukuthi ngabe abantu bangayincoma yini kubangani noma emndenini, kepha bathola amaphuzu aphansi lapho sibuza ukuthi ngabe bazozivuselela ngokwabo izinqubomgomo zabo.
Abalimi
Abalimi Kuphakathi kwephakeji, kubalwa uNombolo 5 phakathi kwezinkampani ezinkulu zomshwalense wezimoto ezweni. Abathengi banikeza izilinganiso ezihloniphekile zomshwalense ukwaneliseka ngenqubo yezimangalo, insizakalo yamakhasimende nenani. Kodwa-ke, amaphuzu we- Abalimi Behle kancane lapho sibuza ukuthi ngabe abashayeli bangayincoma yini le nkampani kubangani noma emndenini.
Yini ongayenza ukonga imali kumshwalense wemoto?
Izinqubomgomo zomshuwalense wephakheji
Ungabopha izinqubomgomo ngaphansi kwenkampani eyodwa ukonga isilinganiso esingu-8% kuma-premium akho ahlanganisiwe, kuya ngenkampani. Abashayeli ngokuvamile bahlanganisa imishwalense yabo ezenzakalelayo nenqubomgomo yabaninizo noma yabaqashi.
Ngenkathi ukuba nezinqubomgomo ezimbili ngaphansi kophahla olulodwa kungaba lula, sisancoma ukuthi uthenge futhi uqiniseke ukuthi wonga ngempela ngokuhlanganisa.
Khulisa imali yakho ekhishwayo
Imali ebanjwayo yimali oyokhokha ephaketheni uma kwenzeka kushayisana ngaphambi kokuthi umshwalense wakho ukhokhe yonke enye imali. Ama-deductibles ngokuvamile abekwa ku- $ 500, kepha ukuphinda kabili ku- $ 1,000 kungakongela i-13%. Kungaba ukugembula okufanele uma ungashayeli kakhulu futhi ungajwayele izingozi.
Ukwandisa imali yakho ekhishwayo kungaba yindlela enhle yokonga imali, vele uqiniseke ukuthi wenza isinqumo unolwazi. Ucwaningo lwango-2018 lukhombise ukuthi abantu abangama-60% abaneminyaka engama-22 kuya kwengama-37 balondoloze imali engaphansi kwama- $ 1,000 kulondolozo. Uma ukulesi sigaba, khona-ke ukuba nenqubomgomo ephezulu edonswayo kungenzeka kungabi yindlela engcono kakhulu yokonga imali kuwe.
Buyekeza inqubomgomo yakho ezenzakalelayo njalo
Njengoba amaphrimiyamu omshwalense wemoto ekhuphuka ezifundazweni eziningi, cubungula kabusha inqubomgomo yakho yamanje Njalo ngonyaka ngaphambi kokuvuselelwa, ungaqinisekisa ukuthi uthola uhlobo nezinga lokumbozwa olidingayo futhi ongakwazi ukulikhokhela. Akudingeki nokuthi ulinde kuze kuphelelwe yisikhathi inqubomgomo yakho yamanje, ungathenga noma kunini nganoma yisiphi isikhathi.
Ucwaningo oluthile lwathola ukuthi ngo-2019, abashayeli abangama-72% bathi bazoshintsha abomshwalense ukuze bonge imali. Ukube ubungathola inqubomgomo evumelana kangcono nezidingo zakho futhi ufuna ukuthatha i-leap, qiniseka ukuthi ubheka inqubomgomo yokukhansela yomhlinzeki wakho wamanje. Ungathola isivumelwano esingcono kwenye indawo, kepha ngaziphi izindleko? Thola lonke ulwazi oludingayo ukuze uthathe isinqumo unolwazi.
Njengoba nje izinqubomgomo zomshuwalense wemoto zishintsha njalo, izimo zomuntu siqu nazo zingashintsha. Mhlawumbe usufinyelele iminyaka lapho ufanele khona ukuthola izephulelo ezithile, noma mhlawumbe ucabanga ukungeza enye imoto? Akunandaba ukuthi isimo sinjani, bhekisisa inqubomgomo yakho yomshuwalense wezimoto bese uqinisekisa ukuthi isakusebenzela.
isiphetho
Lapho ukhetha inkampani yomshuwalense wezimoto, cabanga ngezidingo zakho bese ubeka phambili ukukhetha kwakho ngokususelwa kulokho okubaluleke kakhulu kuwe. Ngenkathi i-GEICO inikela ngamanani aphansi kunawo wonke ebhodini, ezinye izinkampani ezinjenge-Amica zinikeza ukwaneliseka okungcono kakhulu kwezimangalo, i-Allstate inikeza ukumbozwa okuhle kwabashayeli abasengozini enkulu, i-State Farm inikeza okuhlangenwe nakho okwenziwe ngezifiso kakhulu, kanti i-USAA inikeza izaphulelo zabasebenzi ezinhle.
Imithombo:
- I-Better Business Bureau. Izinkampani Zomshuwalense wakwaGeico . Ibuyiswe ngoJuni 7, 2020.
- JD Amandla. Isifundo Sokuthenga Umshuwalense wase-US . UU. 2020 . Ibuyiswe ngoJuni 7, 2020.
- Izindaba zase-US noMbiko Womhlaba. Izinkampani Ezihamba Phambili Zomshuwalense ngo-2020 . Ibuyiswe ngoJuni 7, 2020.
- AM Izinsizakalo Ezilinganiselwe Kakhulu. I-AM Best iqinisekisa izilinganiso zezikweletu ze-United Services Automobile Association . Ibuyiswe ngoJuni 7, 2020.
- JD Amandla. Ucwaningo Lokwaneliseka Kwezimangalo Ezimangazayo zase-2019 zase-US . Ibuyiswe ngoJuni 7, 2020.
- JD Amandla. Ucwaningo Lokwaneliseka Kwezimangalo Ezimangazayo zase-2019 zase-US . Ibuyiswe ngoJuni 17, 2020.
Ukuzikhulula: Le yindatshana yolwazi.
IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla njengesiqondisi kuphela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni womsebenzisi ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Umshuwalense wemoto omuhle kakhulu e-United States
- I-USAA
- Izinketho zokuhlanganisa nezesaphulelo
- Isipiliyoni seDijithali
- Ukwaneliseka kwamakhasimende
- Isinqumo sethu e-USAA
- UGeico
- Ukufunda
- Izaphulelo
- Isipiliyoni seDijithali
- Ukwaneliseka kwamakhasimende
- Izikhalazo ze-GEICO ngeSpanishi
- Isinqumo sethu ku-GEICO
- Allstate
- State Ipulazi
- Izinketho zokuhlanganisa nezesaphulelo
- Isipiliyoni seDijithali
- Ukwaneliseka kwamakhasimende
- Isinqumo sethu ngeState Farm
- Mutual mutual
- Izinketho zokuhlanganisa nezesaphulelo
- Isipiliyoni seDijithali
- Ukwaneliseka kwamakhasimende
- Isinqumo sethu ku-Amica
- Iyaqhubeka
- Ukufunda
- Izaphulelo
- Isipiliyoni seDijithali
- Ukwaneliseka kwamakhasimende
- Isinqumo sethu ngokuqhubekayo
- Umndeni waseMelika
- Kuzwelonke
- Abahambi
- Abalimi
- Yini ongayenza ukonga imali kumshwalense wemoto?
- Izinqubomgomo zomshuwalense wephakheji
- Khulisa imali yakho ekhishwayo
- Buyekeza inqubomgomo yakho ezenzakalelayo njalo
- isiphetho
- Ibiza malini iTattoo e-United States?
- Yini iBachelor Degree e-United States
- Izinkampani ezihamba phambili zomakhalekhukhwini e-USA
- Ukulingana kwamaDigri eNyuvesi e-United States
- Izidingo Zokuthenga Ikhaya E-United States - Umhlahlandlela
- Ungashayela kanjani okuyimfihlo e-United States? - Qedela Umhlahlandlela