I- umshwalense wemoto oqhubekayo Ziphakathi kwezinto ezibaluleke kakhulu e-United States. I-Progressive, omunye wabahlinzeki bomshuwalense owaziwa kakhulu, ubelokhu ehlinzeka ngomshwalense wemoto iminyaka engaphezu kwengu-80. Kepha, Ingabe ilungele wonke umuntu? .
Izinhlobo zokumbozwa noma izinqubomgomo ezinikezwa yi-Progressive
Okuqhubekayo kuhlukanisa umshuwalense wemoto ngezigaba ezintathu:
1. Ukuhlanganisa ukulimala komunye umuntu noma imoto
Ukutholakala kwesikweletu, okudingeka ezifundazweni eziningi, kukhokhela ukulimala noma ukulinyazwa kwempahla kwabanye okudala ngenkathi ushayela. Kubuye kubhekane nezimali zakho zezomthetho kanye nezindleko zezokwelashwa zelinye iqembu nokulahleka kwemali engenayo uma belimele.
2. Ukuhlanganisa ukulimala kwakho noma imoto
Ufuna inqubomgomo yakho yomshuwalense wezimoto ukukuvikela, abagibeli bakho nemoto yakho. Nazi izinketho zakho:
- Ukuhlanganisa okuphelele lungisa noma ushintshe imoto yakho uma ilinyazwe ukweba, ukucekela phansi impahla, ukushaya isilwane, umlilo, noma isenzo semvelo. (Inzuzo enhle: Uma unokushayisana nokushayisana futhi isilwane sakho silimele engozini yemoto, i-Progressive ihlanganisa izikweletu zakho ze-vet kuze kufike kumkhawulo obekiwe.)
- Ukuhlanganisa ukushayisana ukhokha umonakalo emotweni yakho uma ushaya enye into, njengemoto, isihlahla, noma ibhokisi leposi, kungakhathalekile ukuthi ngubani onephutha.
- I- Ukuhlanganiswa kwe- Ukulimala Kwezimoto Ezingavunyelwe noma Ezingaphansi Komshuwalense ukhokhela ukulimala kwakho uma ushayiswa umshayeli onomshuwalense omncane noma ongenawo nhlobo.
- I- ukulimala ukumbozwa kwe- Impahla Yomshayeli Engavikelekile / Engaphansi ukhokhela umonakalo emotweni yakho uma ushayiswa umshayeli onomshuwalense omncane noma ongenawo nhlobo.
- I- Ukuhlanganiswa kwe- izinkokhelo zezokwelapha ukhokhela ukunakekelwa kwakho kwezokwelashwa kanye / noma izindleko zomngcwabo uma ulimele noma ushonile engozini, akukhathalekile ukuthi ngubani onephutha. Izinkokhelo zezokwelapha zingakhokhela nezindleko zabagibeli bakho. Uma wena noma amalungu omndeni wakho nilimala ngenkathi nihamba, nigibela ibhayisikili, noma emotweni yomunye umuntu, izinkokhelo zezokwelapha zingakhokhela lezo zindleko zokwelashwa. Ezinye izifundazwe zivikela ukulimala komuntu siqu (i-PIP) esikhundleni sokukhokhelwa kwezinkokhelo zezokwelapha; Lokhu kunikeza ukuvikelwa okufanayo.
3. Izembozo nezinzuzo ezengeziwe
Ungangeza okungeziwe okulandelayo kunqubomgomo yakho yomshuwalense wezimoto uma ufisa:
- Ukuyekelwa kokukhokhelwa okungadonswa : Ukuqhubekela phambili kuzosusa ukushayisana kwakho okungadonswa uma unengozi ebangelwe ngumshayeli ongavikelekile.
- Ukubuyiselwa kwemali yokuqasha - Uma unokuhlanganisa okuphelele nokushayisana, ungangeza lokhu ukumboza ukukhokhela imoto yakho yokuqasha ngenkathi imoto yakho ilungiswa.
- Imali mboleko / yokuqasha (aka Gap Insurance) : Ngabe uqashisa ngemoto yakho noma unemali mboleko engakakhokhwa engaphezu kwemoto? Uma imoto yakho kuthiwa ilahlekelwe ngokuphelele, umshwalense wokukhokha wemalimboleko / wokuqashisa uhlanganisa umehluko phakathi kwemali ekhokhwayo nemali oyikweleta umbolekisi wakho, kuze kufike ku-25% wenani lemali yemoto yakho.
- Usizo lomgwaqo - Lokhu kukhokhela ukulungiswa komgwaqo okuhlanganisiwe, usizo, noma izinsizakalo zokudonsa.
- Izingxenye zangokwezifiso nokufakwa kwemishini - Uma wenze imoto yakho ngendlela oyifisayo ngesitiriyo esiphakeme, uhlelo lokuzulazula, amasondo wangokwezifiso, noma imisebenzi yokupenda yangokwezifiso, ungahle ufune ukuthi lokhu kufakwa kulungiswe noma kubuyiselwe lezo zinto.
- Ukuhlanganiswa kwe- uhambo kwabiwe - Uma ushayela ngensizakalo ye-rideshare, lo mshuwalense usiza ukuvala igebe lokumboza elikhona uma ungena kuhlelo lokusebenza kepha ungakasamukeli isicelo sokugibela. Izinqubomgomo eziningi zomshuwalense ezivela ezinkampanini ezabelana ngamahhashi zihlinzeka ngembozo elinganiselwe ngalesi sikhathi.
- Ibhange lokonga elingadonswa - Isikhathi ngasinye senqubomgomo engenazicelo (izinyanga eziyisithupha), lesi sici sidonsa ama- $ 50 ekushayisaneni kwakho nasekudonselweni okuphelele.
- Umshuwalense wemoto eMexico - Uma uhambela eMexico, kungakuhle ukuthola umshwalense wemoto yalolo hambo. Ngozakwethu, i-Progressive inikela ngamazinga ayisisekelo, ajwayelekile, namanwetshiwe okufakwa kwezimoto, izimoto zokuzijabulisa, nezithuthuthu.
Izindlela zokonga nge Progressive
Umshwalense wemoto oqhubekayo. Kunezindlela eziningi zokonga kumshwalense wakho wemoto ngeProgressive, kufaka phakathi izaphulelo ezenzelwe ukwethembeka, izaphulelo ezenzelwe umshayeli, nezaphulelo zokuthi ungathenga futhi ukhokhele kanjani umshwalense wakho. Izaphulelo zengezwa kunani lakho lesilinganiso ngokuzenzakalela, kepha akuzona zonke izaphulelo ezitholakala kuzo zonke izifundazwe.
Izaphulelo zobuqotho
- Isaphulelo senqubomgomo eminingi - Umshwalense wasekhaya ohlangene nowezimoto ungakusindisa ngaphezu kwe- $ 1,000, ngokusho kweProgressive. (Ukutholakala kwabaqashi namakhondomu kubhekwa njengomshwalense wasekhaya.) Futhi izaphulelo zenqwaba zinweba ngaphezu komshuwalense wezimoto nowasekhaya - thenga izinhlobo ezimbili zokumbozwa futhi uzothola isaphulelo esimaphakathi esingu-5%.
- Isaphulelo sezimoto ezahlukahlukene : amakhasimende aqinisekisa izimoto ezimbili noma ngaphezulu futhi alondoloze isilinganiso esingu-12%.
- Isaphulelo somshuwalense esiqhubekayo - Uma ngabe ube nomshwalense oqhubekayo (ngisho nomshuwalense ohlukile), ungathola isaphulelo. Inani lesaphulelo lizoya esikhathini esivele siqinisekisiwe ngaphandle kokukhanselwa noma izintuba.
- Isaphulelo Sokushayela Kwentsha : Umama nobaba weqiniso: Ukuqhubeka kunikeza isephulelo kwentsha engu-18 nangaphansi uma usuyikhasimende unyaka owodwa.
Ukuthola i-Quote Progressive
Ungathola i-Progressive quote online, ngengxoxo, ocingweni, noma ngokukhuluma noFlo, Intombazane Ethuthukayo, kuFacebook Messenger. Uyawuthanda umqondo wokuba ne- umenzeli womshuwalense ozinikele ukukusiza kule nqubo kusuka kwesilinganiso kuya kwesicelo? Ungakwenza ngaleyo ndlela futhi, kepha-ke ngeke uthole imali efanayo ongayithenga ngqo kusuka ku-Progressive. Ngaphambi kokuthola isilinganiso, ungasebenzisa Isilinganiso somshuwalense wezimoto ukuthola umbono wokuthi udinga ukumbozwa okungakanani.
Ukuhlinzeka ngesilinganiso esinembile
Okuqhubekayo kubuza ukwakheka, imodeli nonyaka wemoto yakho; noma ungumnikazi noma uyaqashisa; ukuthi imoto isetshenziselwani ngokuyinhloko; futhi uhamba ngamamayela amangaki ngonyaka. Bazofuna negama lakho, ikheli, iminyaka, isimo somshado, isimo semfundo, kanye nesimo somsebenzi. Mayelana nesipiliyoni sakho sokushayela, bazokubuza ukuthi uzitholile nini izincwadi zakho zokushayela nesimo sakho; uma ngabe uthole ingozi, ukwephulwa noma isimangalo eminyakeni emihlanu edlule; futhi uma ngabe ube nomshwalense wemoto ngokuqhubekayo kule minyaka emithathu edlule. Ekugcineni, bazokubuza ukuthi unazo yini ezinye izinqubomgomo eziqhubekayo.
Ufuna ukukhokha malini?
Ithuluzi Qamba Inani Lakho Ukuqhubeka kungakusiza ukuthi wenze ngendlela oyifisayo izinhlobo namanani wokumboza oyifunayo . Mane utshele Progressive ukuthi ufuna ukukhokha malini, futhi ithuluzi likukhombisa izinketho ezinhle zokufaka ukuze ulingane nesabelomali sakho.
Awuzithandi izinketho ekunikezelweni? Ungathola imininingwane eminingi ngohlobo ngalunye lokwembozwa bese ulungisa amazinga wakho wokumboza uze waneliseke. Uzoboniswa futhi namazinga wokuncoma anconyiwe esigabeni ngasinye, isici esihle esikusiza ukuthi ugweme ukweqeka ekusetshenzisweni kokhiye ngemizamo yokonga imali.
I-Progressive ayinikezeli kuphela ngesilinganiso, kepha futhi yenza kube lula ukuqhathanisa amazinga womshuwalense wemoto ngokukhombisa izilinganiso zamanani ezivela kwezinye izinkampani.
Zisebenza kanjani izimangalo eziqhubekayo?
Njengokuthola ikhotheshini ku-Progressive, ukwenza isimangalo kulula ukukwenza. Ungafaka izimangalo 24/7, online, ngocingo, noma ngokushayela i-ejenti yakho ezinikele, uma unayo. Indlela esheshayo yokufaka isimangalo ngohlelo lokusebenza lweselula oluqhubekayo. Sebenzisa isici sokulinganisela isithombe sohlelo lokusebenza ukuhambisa izithombe noma amavidiyo wemoto nomonakalo ukuthola ukulinganisa ngokushesha.
Okuqhubekayo kusikisela ukuqoqa imininingwane elandelayo ngaphambi kokufaka isimangalo sakho:
- Indawo, usuku nesikhathi sengozi.
- Igama, ikheli, inombolo yocingo, kanye nenombolo yomshwalense wabo bonke abathintekayo
- Izimo zezulu
- Izithombe (zez) zezimoto ezilimele
- Amakhophi wamaphoyisa kanye / noma imibiko yengozi, uma ikhona.
Ngokuya ngesimangalo sakho, ungasebenza nomlinganisi, ummeleli wezimangalo, noma kokubili. Ummeli wezimangalo unquma ukuthi ngubani onephutha ngokuya ngemithetho yezwe nezimo zengozi. Ungamane ukhethe ukuthola inkokhelo yomonakalo noma ukuwulungisa; uma kungokugcina, ummeleli wezimangalo uzochaza ukuthi usebenza kanjani futhi uzophatha inqubo. Ungasebenzisa noma yisiphi isitolo sokulungisa osifunayo, kepha uma ukhetha esisodwa kunethiwekhi kazwelonke yeProgressive, ukulungiswa kwakho kuqinisekisiwe inqobo nje uma ungumnikazi noma uqasha imoto yakho.
Izaphulelo ezenzelwe umshayeli
Isaphulelo Esisifinyezo
Landa uhlelo lokusebenza lweselula lwe-Snapshot noma ufake i-plugin ye-Snapshot emotweni yakho futhi uzothola isaphulelo ngokushesha uma uyikhasimende elisha eliqhubekayo. Izithombe ezilandelwayo zilandelela imikhuba yakho yokushayela, futhi isilinganiso sakho sokuvuselela sizokwenziwa ngendlela oyifisayo ngokuya ngokuthi ushayela kanjani. I-Progressive ithi i-Snapshot isindisa abashayeli abaphephile isilinganiso esingu- $ 145 ngonyaka, yize ingagcina ikhokha ngaphezulu uma i-Progressive ibheka ukuthi ukushayela kwakho kuyingozi enkulu.
Isaphulelo esihle sabafundi
engeza umfundi onesilinganiso esingu-B grade noma esingcono kunqubomgomo yakho bese uthola isephulelo.
Isaphulelo sabafundi abakude
Thola isephulelo uma umfundi kunqubomgomo yakho esekolishi lesikhathi esigcwele, engama-22 noma engaphansi, futhi ehlala ngaphezu kwamamayela ayi-100 ukusuka ekhaya.
Abaninikhaya Isaphulelo
Noma ikhaya lakho lingavikelekile ngenethiwekhi ye-Progressive, uzothola isaphulelo esimaphakathi esingu-10% ngokuba neyakho kuphela.
Izaphulelo zokuthi uthenga futhi ukhokha kanjani
- Isabelomali esiku-inthanethi - Thola isaphulelo esingu-4% sokuqala isabelomali sakho ku-inthanethi, noma ngabe usuqedela ngocingo.
- Sayina ku-inthanethi - Okokusayina amadokhumenti akho online, ungathola isaphulelo esimaphakathi esingu-8.5%.
- Iphume ephepheni : Ngaphezu kwesaphulelo sokusayina amadokhumenti ku-inthanethi, kunezaphulelo zokungasebenzisi iphepha.
- Khokha ngokugcwele - Thola isephulelo uma ukhokha imali yakho ekhokha izinyanga eziyisithupha ngasikhathi.
- Inkokhelo ezenzakalelayo - Uma ukhetha ukukhokha njalo ngenyanga, usengathola isaphulelo ngokusetha inkokhelo ezenzakalelayo.
Inzuzo
Ukuqhubeka kunikezela ngezici ezithile ezilula nezinzuzo ongase uzithande.
Ukwethembeka kuyavuza
Njengekhasimende elisha eliqhubekela phambili, ubhaliswa ngokuzenzakalela ohlelweni lwemivuzo yokwethembeka futhi uzothola izinzuzo eziningi uma uhlala isikhathi eside ungavikelekile. Ngokushesha, uzothola intethelelo encane yengozi, okusho ukuthi ngeke ukhokhiselwe izimangalo eziphelele ezingaphansi kwama- $ 500 ngaphandle kokuthi zenzeke kaninginingi.
Ngemuva kweminyaka eyisihlanu, futhi uma ngabe ubengakabi nazingozi okungenani iminyaka emithathu ilandelana, uzofanelekela ukuthola intethelelo enkulu yengozi, okusho ukuthi amanani akho ngeke enyuke uma ngabe uthole ingozi enkulu. Ukuqhubekela phambili kuze kubalwe nokuthi ubukade ufakwe inshuwalense isikhathi esingakanani nenkampani eyedlule futhi uyisebenzisa ezingeni lakho lokwethembeka.
I-PerkShare
Amakhasimende aqhubekayo angathola izaphulelo, amadili namakhuphoni kukho konke kusuka kusithuthuthu, isikebhe kanye nezesekeli ze-ATV kuya ekuqashisweni kwamatekisi nezimoto, ukuzijabulisa, amakhadi ezipho zokudlela nokuningi.
Uhlelo lokusebenza lweselula
Ngaphezu kokusebenzisa i-Progressive mobile app ukufaka isimangalo, ungayisebenzisa futhi ukubuyekeza nokuhlela imininingwane yenqubomgomo; thenga umshuwalense; khokha amaphrimiyamu akho; buka, gcina, yabelana futhi ugcine amakhadi wokuhlonza; futhi uthole usizo lomgwaqo.
Ngohlelo lokusebenza lweselula noma ngaphandle kwalo, i-Progressive inikeza izindlela ezahlukahlukene zokuxhumana nokusekelwa kwamakhasimende noma imibuzo, kufaka phakathi ingxoxo, i-imeyili, ifoni kanye nemidiya yokuxhumana nomphakathi.
Ucingo ngeSpanishi lwenzelwa amakhasimende
Ukuhlinzekelwa kwamakhasimende ngeSpanishi: progressive.com ngeSpanishi.
1800 734 8767
Umshuwalense oqhubekayo ngesiSpanish. Ungathola eminye imininingwane nge-Progressive agent okhuluma iSpanishi kuwebhusayithi yabo: https://www.progressive.com/agent/espanol/ .
Ukuhlinzekwa kwamakhasimende okuqhubekayo ngeSpanishi amahora angama-24 ngosuku.
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 kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Izinhlobo zokumbozwa noma izinqubomgomo ezinikezwa yi-Progressive
- 1. Ukuhlanganisa ukulimala komunye umuntu noma imoto
- 2. Ukuhlanganisa ukulimala kwakho noma imoto
- 3. Izembozo nezinzuzo ezengeziwe
- Izindlela zokonga nge Progressive
- Izaphulelo zobuqotho
- Ukuthola i-Quote Progressive
- Ukuhlinzeka ngesilinganiso esinembile
- Ufuna ukukhokha malini?
- Zisebenza kanjani izimangalo eziqhubekayo?
- Izaphulelo ezenzelwe umshayeli
- Isaphulelo Esisifinyezo
- Isaphulelo esihle sabafundi
- Isaphulelo sabafundi abakude
- Abaninikhaya Isaphulelo
- Izaphulelo zokuthi uthenga futhi ukhokha kanjani
- Inzuzo
- Ukwethembeka kuyavuza
- I-PerkShare
- Uhlelo lokusebenza lweselula
- Ucingo ngeSpanishi lwenzelwa amakhasimende
- 1800 734 8767