Iinkampani zeinshurensi zemoto ezigqwesileyo eunited States. Ukuthelekisa iikowuteshini zeinshurensi ezizenzekelayo ezivela kwiinkampani eziphambili kunokuhlawula ngohlobo lwamaxabiso asezantsi kunye nokugubungela okungcono. Senze inxenye yomsebenzi wokuqokelela idatha kunye nokuqulunqa uluhlu olubanzi lweenkampani zeinshurensi ezizenzekelayo. Yeyiphi eyona inshurensi yemoto ilungileyo? Nazi iimpendulo.
Eyona inshurensi yemoto eUnited States
I-USAA
I-USAA yeyona nkampani yeinshurensi ehamba phambili esinokuyifumana. Kuvavanyo lwethu, abathengi base-USAA bathi banelisekile yinkonzo yabathengi yase-USAA. Bayayithanda nenkqubo elula yenkampani yokugcwalisa ibango, kunye nokuhlaziywa rhoqo kwimeko yamabango.
Ukufunda kunye nokukhetha izaphulelo
Njengazo zonke iinkampani zeinshurensi ezizenzekelayo, imigaqo-nkqubo ye-USAA ibonelela:
- Uxanduva lokwenzakala komzimba
- Uxanduva lokonakaliswa kwepropathi
- Ukungqubana kunye nokugubungela okubanzi
- Ukukhuselwa komqhubi ongakhuselwanga
- Ukukhuselwa komntu kunye neentlawulo zonyango.
Ukongeza, i-USAA ibonelela ngokugubungela indawo yokuqhuba kwabaqhubi beLyft kunye neUber, 24/7 ngoncedo lwendlela, kunye nokugubungela ukogquma. Abathengi base-USAA banokubopha imigaqo-nkqubo yemoto kunye neyabanini bamakhaya, okanye bakhethe ezinye izinto ezifana nobomi, irente okanye i-inshurensi ye-condo, okanye i-inshurensi yesikhephe.
Xa kuziwa kwizaphulelo, iUSAA ibonelela:
- Izaphulelo zabaqhubi abakhuselekileyo
- Izaphulelo zabafundi zabaqhubi abangaphantsi kweminyaka engama-21 ubudala.
- Izaphulelo kwizithuthi ezininzi kunye nemigaqo-nkqubo emininzi
- Isiseko kunye nokugcinwa kwezaphulelo.
- Izaphulelo zemayile
- Ukubuyiselwa kwezaphulelo kubathengi
Abasebenzi basemkhosini abakhoyo ngoku abahlala kwisiseko okanye baphela bethunyelwe phesheya banokufumana izaphulelo ezingaphezulu kwe-60%. Ukongeza, i-USAA ibonelela ngoxolelo lwengozi ukuba uhamba iminyaka emihlanu ngaphandle kweengozi okanye ukuba uphelela kuyo nayiphi na ingozi apho uthathwa njengongenatyala.
Amava edijithali
Yikholwe okanye ungakholelwa, i-USAA inikezela ngamava amahle edijithali kwiwebhusayithi ye-USAA kunye nakwiselfowuni. Ngewebhusayithi ye-USAA, abathengi banokusebenzisa isixhobo sokucaphula simahla kwaye bafumane amaxabiso ngaphandle kokubonelela ngedilesi ye-imeyile okanye inombolo yefowuni.
Indawo ikwabandakanya ubutyebi bolwazi kukhetho lokugubungela, ukucwangcisa kunye nezixhobo zokubala, kunye neinshurensi ngokubanzi kunye neengcebiso zokulawulwa kwemali. Inkqubo yeselula yase-USAA ikwabonelela ngokufikelela okukhuselekileyo kubathengi ukuhlawula ityala labo, ukufikelela kumakhadi e-ID edijithali kunye nemigaqo-nkqubo yeinshurensi, okanye nokuqala inkqubo yamabango.
Xa kuziwa kwinkqubo yamabango, i-USAA yenza kube lula kuwe ukuba ugqibezele yonke inkqubo ngokwamanani, yona ilungele abantu abasendleleni. Xa ugqibela ngengozi yemoto, ungaya kwiwebhusayithi ye-USAA okanye uvule usetyenziso lweselfowuni kwaye ufake ifayile yakho.
Ukuba ulwazi olongezelelekileyo luyafuneka, isilungisi samabango siya kukwazisa ngomyalezo obhaliweyo okanye nge-imeyile. Ukongeza, unokufaka imifanekiso yomonakalo kunye nolunye ulwazi oluyimfuneko ngesiza okanye usetyenziso lokuncamathisela kwibango lakho.
Ukwaneliseka kwabaThengi
Xa kuziwa kumanqanaba, i-USAA i-inshurensi yemoto ifumana olona phawu lukhulu. Ngapha koko, i-JD Power inike i-USAA amanye amanqaku aphezulu kwi-2020 US Auto Insurance Study yayo, KUNYE Iindaba zaseMelika kunye neNgxelo yeHlabathi Babandakanya inkampani njengokhetho lwabo oluphezulu kuhlolo lwabo lwango-2020 lweenkampani zeinshurensi eziphezulu.
I-USAA ikwafumana awona manqanaba okufumana amandla asemagqabini kwi-AM Best's rating services. Okokugqibela, uMbutho weSizwe weKhomishini ye-Inshurensi (i-NAIC) uxele ukuba i-USAA inezikhalazo zabathengi ezimbalwa kunaleyo iphakathi.
Isigwebo sethu kwi-USAA
Ukuba uhlangabezana neenqobo zokugubungela i-inshurensi yemoto ye-USAA, ngokuqinisekileyo kuya kufuneka uyisebenzise. Inkampani ibonelela ngamaxabiso amahle, izaphulelo ezinomtsalane kumalungu akhoyo emkhosini, kunye namava amnandi kwi-Intanethi.
Ngapha koko, ekuphela kwezinto ezimbi esinokuzifumana kule nkampani kukufumaneka kwayo okulinganiselweyo. I-USAA ibonelela kuphela ngeenkonzo zayo kumagqala, amalungu omkhosi, kunye neentsapho zawo, ngoko ke uninzi lwabathengi alunakulungela i-inshurensi kwinkampani yeinshurensi ephezulu.
IGeico
I-inshurensi yemoto yeGeico . UGeico yeyona nkampani yesibini ye-inshurensi ehamba phambili, kwaye nomqolomba uyabona ukuba kutheni. Abathengi bathi iGeico yenza kube lula ukufaka ifayile yebango kwaye baceba ukuvuselela imigaqo-nkqubo yabo. Uninzi luchaze ukuba bayakucebisa le inshurensi. Okwangoku, abanye abanelisekanga lixabiso abalifumana eGeico.
Ukufunda
Izinketho ezibanzi ze-GEICO zibandakanya:
- Ukuhlawulwa koxanduva
- Ukudibana kunye nokudibana
- Ukhuseleko lomntu
- Ukukhuselwa komqhubi ongakhuselwanga
- I-inshurensi yokukhusela i-asethi eqinisekisiweyo (GAP)
- I-inshurensi yokonakala koomatshini
- Ukwabelana nge-inshurensi yokuhamba
- Uncedo olungxamisekileyo lwendlela
- Imbuyekezo yokuqeshisa imoto
Ukongeza kokugubungela iimoto, i-GEICO ibonelela ngemigaqo-nkqubo yezithuthi ezahlukeneyo: izithuthuthu, izithuthi zendlela yonke (ii-ATVs), izikhephe kunye nezithuthi zolonwabo. Inkampani ikwabonelela ngezinye iintlobo zokugubungela, ezinje ngabanini bezindlu kunye neinshurensi yerenti, onokuyidibanisa neinshurensi yakho yemoto.
Izaphulelo
Elinye lamandla amakhulu e-GEICO bububanzi kunye neendidi zokhetho lwazo lwesaphulelo. Ezinye zeekhefu ukuba imoto ine:
- Iibhola zomoya
- Iziqhoboshi Anti-lock
- Inkqubo yokulwa ubusela
- Sisithuthi esitsha
Olunye ulwaphulo lunxulumene nawe kunye nokuziphatha kwakho. Ungasifumana isaphulelo ukuba:
- Umqhubi olungileyo
- Ukusetyenziswa kwebhanti yokuhlala
- Umqhubi ohloniphekileyo
- Umfundi
- Umqeshwa waseburhulumenteni
- Ilungu lomkhosi oxhobileyo
Inkampani ikwasebenzisana namakhulu amaqela, imibutho, kunye nemibutho ukubonelela ngamaxabiso awodwa amalungu okanye abasebenzi. I-GEICO ikwabonelela ngezaphulelo zokunyaniseka kwabathengi: kukho izaphulelo kwizithuthi ezininzi kunye nemigaqo-nkqubo emininzi. Ezinye zeekhefu ezidweliswe apha ngasentla zonyusa ixesha elide ugcina i-inshurensi yakho ye-GEICO.
Amava edijithali
Ngaphandle kwesibonelelo sayo esikhulu sesaphulelo, esinye sezizathu zokuba abantu bayithande i-GEICO kungenxa yenkqubo yayo yeselfowuni. Nangona iinkampani ezininzi zeinshurensi ezizenzekelayo ziye zaya kwidijithali, iGeico iphambili xa kufikwa kunxibelelwano, ibonelela ngobuchwephesha bezixhobo ezikwi-Intanethi kunye nenkonzo elula kwiwebhusayithi yenkampani kunye nakwisoftware.
Njengoko isiqubulo sisitsho, i-GEICO ibonelela ngenkqubo yokucaphula ngokukhawuleza kwiwebhusayithi yabo. Nje ukuba ubhalise kwi-inshurensi ye-GEICO, unokulawula umgaqo-nkqubo wakho kwaye wenze utshintsho kwi-24/7 nge-portal yabathengi ye-Intanethi. Unako kwakhona ukufaka amabango okanye ujonge imeko yamabango asalindelweyo, ufumane iikowuti zokufaka abaqhubi abatsha okanye izithuthi kumgaqo-nkqubo wakho, nangaphezulu.
Uhlelo lokusebenza lweselfowuni lwe-GEICO lukwayinto entle kakhulu kubathengi. Ngokusebenzisa i-GEICO app, ungacela uncedo lwendlela olungxamisekileyo, jonga amakhadi e-inshurensi yedijithali, uxele ibango (okanye ulandele amabango akhoyo), kwaye ufumane uncedo. Umsebenzi wayo wokuKhathalela iZithuthi, intsebenziswano kunye neCARFAX, ikuvumela ukuba ujonge iindleko zokulungisa isithuthi sakho, ukhumbule kunye nembali yenkonzo.
Ukongeza, i-GEICO ngoku ibonelela ngoqhakamshelwano kwiAmazon Echo okanye kwiKhaya likaGoogle, kunye nokubonelela ngeendlela zokuyalela kunye ne-smartphone yakho ukuze ukwazi ukufikelela kulwazi lomgaqo-nkqubo okanye ucele uncedo naphina, nangaliphi na ixesha.
Ukwaneliseka kwabaThengi
I-GEICO ihlala ifumana amanqaku aphezulu kubathengi bayo nakwiingcali zeshishini. Ngapha koko, inkampani igcina ireyithingi ye-A + kwiZiko eliNgcono leShishini.1(BBB) kunye nenqanaba le-A ++ kumandla emali nge-AM Best. Ukongeza, iJD Power kutsha nje inike iGeico eyona ndawo iphambili kwisifundo sayo sokuthenga i-Inshurensi ka-2020.2.
Amabango e-GEICO ngeSpanish
Inombolo yomnxeba IGeico , ingqalelo kwezorhwebo: (866) 509-9444. Ifowuni yophando ngokubanzi: (800) 207-7847. Kwimeko zonxunguphalo ezindleleni okanye koohola bendlela, tsalela umnxeba kwinombolo IGeico : (800) 424-34 26.
Isigwebo sethu kwi-GEICO
Ukuba ufuna inkampani enkulu yeinshurensi yemoto enikezela ngamaxabiso okhuphiswano kunye noluhlu olude lwezaphulelo ezintle, ngokuqinisekileyo i-GEICO yeyona ndlela ilungileyo kuwe. Kwaye ezinye zeempawu ezimangalisayo zesoftware ye-GEICO zenza le nkampani ibonakale kubo bonke ababoneleli beinshurensi ephezulu kwilizwe liphela.
Yonke
Ngokophando lwethu, iAllstate njengenkampani yesithathu yeinshurensi. Inkampani igcina ngokucacileyo uninzi lwabathengi bayo ezandleni ezilungileyo, uninzi lwabaphenduli besithi banelisekile yindlela ekulula ngayo ukufaka ibango.
Balixabisile nenqanaba lenkonzo abayifumeneyo. Ngaphandle kokubetha amanqaku ambalwa aphezulu, u-Allstate waphulukana nomhlaba xa sibuza ukuba abathengi bangayincoma na kwabanye-babini kuphela kwabathathu abathengi be-Allstate abathe bayakwenza njalo.
Ifama yaseburhulumenteni
Ukuza okwesine kuluhlu lwethu lweenkampani zeinshurensi ezizezona zibalaseleyo yiFama kaRhulumente. Le inshurensi yenza ukuba kube lula ukufaka ibango, ngokwesininzi sabaphenduli, uninzi lwabo oluceba ukuvuselela umgaqo-nkqubo wabo.
Ifama kaRhulumente ifumene amanqaku asezantsi kancinci xa sibuza ukuba abathengi banelisekile kukuhlaziywa kwenkampani ngexesha lenkqubo yamabango. Abaqhubi abaqinisekisiweyo ngeFama yaseburhulumenteni baxele ukuba inkampani iyonke lixabiso elifanelekileyo.
Ukufunda kunye nokukhetha izaphulelo
Ifama yaseburhulumenteni inikezela ngokubanzi ngeinshurensi ezizenzekelayo njenge:
- Ukuhlawulwa koxanduva
- Ukudibana kunye nokudibana
- Iintlawulo zoNyango kunye nokuKhuselwa koKhuseleko lwaBantu (PIP)
- Ukukhuselwa kweMoto engaqinisekiswanga
- I-inshurensi ye-GAP
- Ukwabelana nge-inshurensi yokuhamba
- Uncedo olungxamisekileyo lwendlela
- Ukuqeshiswa kwemoto kunye nembuyekezo yeendleko zokuhamba
Ukongeza, iFama yaseburhulumenteni ibonelela ngezithuthi ezinye, ezinje ngezithuthuthu, izikhephe kunye neeATV. Unokwenza i-auto cover yakho ngenye yemigaqo-nkqubo yakho ye-inshurensi.
Xa kuziwa kwizaphulelo, iFama yaseburhulumenteni ibonelela ngeendlela ezininzi zokuqhuba ngokukhuselekileyo, izithuthi ezikhuselekileyo, kunye nokunyaniseka kwabathengi. Ukudibanisa imigaqo-nkqubo eyahlukeneyo yeinshurensi kungonga ukuya kuthi ga kwi-17%, kunye nemigaqo-nkqubo yezithuthi ezininzi ukuya kuthi ga kwiipesenti ezingama-20.
Amava edijithali
Xa kuthelekiswa nezinye zeenkampani ezinkulu zeinshurensi, iFama yaseburhulumenteni ishiye ngasemva xa kufikwa kumava edigital. Ngale nto ithethwayo, iFama yaseburhulumenteni iqale ubuhlakani kunye ne-SalesForce kwi-2018 ukuphucula amava e-Intanethi kubathengi bayo. Njengazo zonke iiwebhusayithi zeinshurensi, ngoku ungalawula iakhawunti yakho ngokusebenzisa iPort State yomthengi portal.
Ukwaneliseka kwabaThengi
Ifama yaseburhulumenteni inamabhaso amaninzi kunye nokuwongwa ngenkonzo yabathengi. Isifundo sikaJD samandla ka-2019 e-U.S. Amabango eNdlela yokuNeliseka ngoKwaneliseka kwiFama yaseburhulumenteni yesi-7 kweziyi-25 iinkampani zeinshurensi5 5. Ewe kunjalo, yintoni eyenza ukuba iFama yaseburhulumenteni igqame ziiarhente zenkonzo yengingqi, ezifumana amanqaku aphezulu okuba zisebenza kakuhle, zinolwazi, kwaye zifikeleleke ngokulula (ngaphandle kokucofa inombolo eyi-1-800 kunye nokunyamezela okungapheliyo nokulinda ukubamba).
Isigwebo sethu kwiFama Yaseburhulumenteni
Nangona iFama yaseburhulumenteni inganikeli ngezibonelelo ezininzi zedijithali njengezinye iinkampani ezinkulu zeinshurensi, inkampani inikezela ngenethiwekhi ebanzi yeearhente ukukunceda kwiimfuno zakho zeinshurensi nangaliphi na ixesha. Ukongeza, iFama yaseburhulumenteni yenye yeenkampani zeinshurensi ezindala kolu shishino kwaye inerekhodi ebalaseleyo kubathengi.
Abahlobo abanye
U-Amica Mutual Insurance ufumene indawo yokuqala kuFundo lweJD Power's Claims Satisfaction Study iminyaka eliqela ilandelelana, kubandakanya ne-20195 5
. Ukusuka kwizikhalazo eziphantsi ukuya kwiipremiyamu ezisezantsi, ibeka phezulu kwiindawo ezahlukeneyo. Siyigxininisa njengeyona nto ibalaseleyo ngokusekwe kukoneliseka kwamabango.
Ukufunda kunye nokukhetha izaphulelo
Njengazo zonke iinkampani zeinshurensi ezizenzekelayo, u-Amica ubonelela ngazo zonke izinto eziyimfuneko kunye nezifanelekileyo zokukhetha oza kuzifuna: 24/7 ngoncedo lwendlela, ukubuyiselwa kwemoto, kunye nokugubungela iglasi.
I-Amica ikwabonelela ngephakeji ebandakanyayo ebizwa ngokuba yiPlatinam Choice Auto, ebandakanya izibonelelo ezinje ngokuxolelwa ngengozi, ukugubungela iglasi esele ikhankanyiwe, ukubekwa kweliso kubunikazi, kunye nokugubungela imoto yokuhlawula kwangaphambili. Abathengi banakho ukufumana ukuthunyelwa kunye nokunyaniseka kwezaphulelo.
Amaxabiso ka-Amica ayakhuphisana. Nangona inganikeli inani elikhulu lezaphulelo, inkampani ine:
- Izaphulelo kwimoto ekhuselekileyo yee-airbags, iinkqubo zokulwa ubusela nokunye
- Izaphulelo kwizithuthi ezininzi kunye nemigaqo-nkqubo emininzi
- Izaphulelo zokunyaniseka kubathengi abahlala noAmica ngaphezulu kweminyaka emi-2.
- Ukuzihlola kunye nezaphulelo ezihlawulwe ngokupheleleyo
- Isaphulelo se-elektroniki sabathengi abangenaphepha
Nceda uqaphele ukuba u-Amica Mutual akafumaneki ngoku eHawaii.
Amava edijithali
Ngokubanzi, iwebhusayithi ye-Amica kunye ne-app yeselfowuni zisisiseko kwaye azenzi nto inomtsalane. Okwangoku, kulula ukuhamba kwaye unokwenza imisebenzi esemgangathweni njengokuhlawula amatyala okanye ukufikelela kumakhadi e-ID. I-Amica ikwavumela abathengi bayo ukuba bangenise amabango ngokusebenzisa i-intanethi kunye ne-intanethi. Abathengi banokucela uncedo lwendlela ngeendlela zokusebenza.
Ukwaneliseka kwabaThengi
Ukuphononongwa kwabathengi beAmica kunika ithemba kakhulu. Ukongeza, le nkampani ine-0.36 yezikhalazo kunye noMbutho weSizwe weKhomishini ye-Inshurensi, eyeyona iphantsi kolu shishino. Abathengi bathi u-Amica uphatha amabango ngokukhawuleza nangokufanelekileyo kwaye abameli beenkonzo zabathengi bahlala befumaneka ukuphendula imibuzo.
Isigwebo sethu kuAmica
Ngelixa u-Amica Mutual enganikeli ngezaphulelo okanye iintsimbi zedijithali, udumo lwenkonzo yabathengi kunye nokwoneliseka kwamabango kuyazithetha. Kwaye iipremiyamu zakho azikho ngaphandle kweintanethi; eneneni, ziphakathi kwezona ziphantsi kwishishini. Sincoma le nkampani ukuba ufuna umboneleli onokuthenjwa xa kufika ixesha lokwenza ibango.
Ukuqhubela phambili
UFlo, umfazi otyibilikisayo onenkqubela phambili, unokuba ngu # 1 kwiintliziyo zabathengisi, kodwa inkqubela phambili yinkampani yeinshurensi engu- # kuluhlu lwethu. Le inshurensi ifumene awona manqaku aphezulu ukulungiselela ukufayilisha ibango kunye nenkonzo yabathengi yenkampani. Xa kuziwa kwixabiso, iinkampani ezininzi ezikhuphisanayo zifumene amanqaku aphezulu kubathengi bazo. Ipesenti ephezulu yabathengi abaqhubela phambili abaceba ukungavuseleli kunayo nayiphi na enye inkampani.
Ukufunda
Xa kuziwa kukugubungela ngokuzenzekelayo, ukuqhubela phambili:
- Uxanduva lokwenzakala komzimba
- Uxanduva lokonakaliswa kwepropathi
- Ukungqubana kunye nokugubungela okubanzi
- Ukukhuselwa komqhubi ongakhuselwanga
- Ukukhuselwa komntu kunye neentlawulo zonyango.
- Ukufakwa kweGAP
- Imigaqo-nkqubo yeinshurensi yeambrela
Ukongeza, ukuqhubela phambili kubonelela ngezinto ezithile ezizodwa njengokugubungela indawo yokuqhuba kweLyft kunye ne-Uber, ukogquma iimoto zakudala kwiimoto zeediliya, i-inshurensi yokuhamba yaseMexico kwabo bawela umda, kunye nokugubungela iinxalenye zesiko kwizixhobo zasemva kwemarike.
Kulabo bafuna ukutshintshela yonke i-inshurensi yabo kwi-Progressive, inkampani ikwabonelela ngenkxaso kubanini bamakhaya kunye nakwezinye iipropathi, ukongeza kwi-inshurensi yobomi kunye neminye imigaqo-nkqubo yobuqu.
Izaphulelo
Inkqubo yenkqubela phambili yenza ukuba ireyithi yakho isekwe kwindlela oqhuba ngayo, engenakunceda kuphela abaqhubi abalungileyo ukuba bonge imali, kodwa banokunceda abaqhubi abanerekhodi ukuba banciphise iipremiyamu zabo ngokuhamba kwexesha. Inkqubela phambili inikezela ngesaphulelo esiphakathi kwe- $ 26 kwixesha lakho lokuqala lomgaqo-nkqubo ngokusayina inkqubo ye-Snapshot, kwaye uninzi lwabaqhubi bagcina i-avareji ye- $ 145 qho kwiinyanga ezintandathu ngenkqubo ye-Snapshot.
Ukuba ujonga ezinye iindlela zokonga imali, inkqubela phambili ikwabonelela:
- Izaphulelo kwi-Intanethi kwabo bafumana iikowuti kwaye babhalise kwimigaqo-nkqubo ekwi-intanethi
- Izaphulelo zemoto ezininzi kunye nemigaqo-nkqubo kubathengi abaqoqa imigaqo-nkqubo
- Izaphulelo kumqhubi wolutsha kubaqhubi abangaphantsi kweminyaka eyi-18, kunye nezaphulelo zabafundi bezikolo eziphakamileyo nakwikholeji ezinamabanga amahle
- Izaphulelo kwiiNtlawulo eziZenzekelayo zaBanini beepolisi basebenzisa iiNtlawulo eziZenzekelayo
- Izaphulelo ezingenamaphepha kubaninipolisi abangenaphepha
- Isaphulelo esipheleleyo esihlawulelwe abathengi abahlawula i-premium yabo endaweni yezavenge zenyanga
- Izaphulelo zokunyaniseka kwabo bahlaziya imigaqo-nkqubo okanye bongeze imigaqo-nkqubo eyongezelelweyo kamva
Amava edijithali
Inkqubela phambili inikezela elinye lamava edigital aphezulu kuzo zonke iinkampani ezinkulu zeinshurensi kwilizwe liphela, ngeendlela ezahlukeneyo ezinje ngeGama lesiXhobo sakho seXabiso kunye nesiXhobo sokuThelekisa, ekuvumela ukuba uthelekise amaxabiso kwicala elinye xa uthenga umgaqo-nkqubo. .
Ukongeza, i-Progressive app (efumaneka kwiVenkile yeGoogle Play kunye neVenkile yeApple yeApple) ikuvumela ukuba ulawule umgaqo-nkqubo wakho naphina. Nge-app, unokufumana uncedo lwe-24/7 ecaleni kwendlela kunye nefayili yebango, wenze iintlawulo okanye utshintsho lomgaqo-nkqubo, kunye nokufumana ikhadi le-ID yedijithali ukubonelela ubungqina bomshuwalense.
Nangona kunjalo, okwangoku awukwazi ukulawula umgaqo-nkqubo womnini wakho ngokusebenzisa iapp, ke abo banemigaqo-nkqubo emininzi banokusebenzisa i-portal ekwi-intanethi kwiwebhusayithi eqhubela phambili xa usenza utshintsho kumgaqo-nkqubo.
Ukwaneliseka kwabaThengi
Ngelixa izibonelelo zenkqubela phambili zibonakala zingenasiphelo, ayingabo bonke abathengi abaziva ngendlela efanayo. Kuphando lwakho lwango-2019 lweBango6 6, Amandla e-JD alinganise ukuqhubela phambili kwisiqingatha esisezantsi (i-17 ngaphandle kwe-25) ye-inshurensi yemoto yase-US, ethetha ukuba abanini migaqo-nkqubo abonwabanga ngentlawulo yabo yebango.
I-BBB inika inkqubela phambili yokulinganisa i-A +, nangona kunjalo inkampani inenkwenkwezi ephakathi kuphela kuvavanyo lwabathengi. Xa kuphononongwa iirekhodi zezikhalazo zeBBB, kubonakala ngathi uninzi lwezikhalazo zijolise ekusetyenzisweni kwamabango nakwizigqibo zokusilela kwengozi. Oku kusenokwenzeka ukuba kuchaza ukuba kutheni iJD Power ikhuphe ireyithingi eyenzileyo.
Isigwebo sethu kwinkqubela phambili
Ngokubanzi, inkqubela phambili iyakhanya kwiminikelo yayo yesaphulelo kunye nokuzimisela kwayo ukwamkela abaqhubi abasemngciphekweni omkhulu. Ngenxa yoku, sicebisa kakhulu ukuqhubela phambili kuye nawuphi na umqhubi onembali yeengozi okanye nayiphi na into engeyiyo kwirekhodi yabo yokuqhuba. Ngapha koko, sicebisa ukuba ubhalisele inkqubo ye-Snapshot kwaye uvumele ubhaliso lwakho lwangoku ukukunceda ukunciphisa amaxabiso anokuchaphazeleka okwangoku.
Intsapho yaseMelika
Okulandelayo luSapho lwaseMelika, olukwinqanaba lesixhenxe kolu luhlu. Uninzi lwabathengi banelisekile yindlela usapho lwaseMelika olusombulule ngayo amabango abo, ziinkampani ezimbalwa kuphela ezikora ngcono kolu luhlu. Uninzi lweminye imibuzo ebesiyibuze abaqhubi i-inshurensi kusapho lwaseMelika, le nkampani ifumene amanqaku aphakathi kuphela.
Le inshurensi ifumene ezona ziphantsi kuzo zonke iinkampani xa sibuza ukuba abantu bangayincoma na kubahlobo babo. Isibini kwisithathu kuphela sabo baphononongiweyo bathi kunokwenzeka okanye banokwenza njalo.
Kuzwelonke
Ngokophando lwethu lwabathengi, kwilizwe liphela yeyona nkampani yeinshurensi yemoto eyi-8. Lo mnikezeli weinshurensi ufumene amanqaku aphantsi kuyo yonke ibhodi, abaphenduli abaninzi bengonelisekanga kukuhlaziywa kobume belizwe lonke ngexesha lenkqubo yamabango okanye ngendlela ekusonjululwe ngayo amabango abo. Kuzwelonke, yafumana amanqaku asezantsi ngakumbi ngexabiso layo.
Abahambi
Indawo ephantsi kakhulu kwindawo yethu yezona nkampani zeinshurensi ezizenzekelayo zibanjwa ngabahambi. Njengoko unokulindela kwi-inshurensi ekumgangatho wokugqibela, abathengi babahambi khange baxele ukoneliseka okukhulu kwimibuzo eliqela kuphando lwethu.
Abaqhubi abangenise amabango kubahambi abakonwabanga yindlela inkampani esombulule ngayo amabango, kwaye uninzi alukholelwa ukuba abahambi banikezela ngexabiso elifanelekileyo. Into enomdla kukuba, abahambi bafumana amanqaku afanelekileyo xa sibuza ukuba abantu bangayincoma na kubahlobo okanye kusapho, kodwa bafumana amanqaku asezantsi xa sibuza ukuba bayayihlaziya na imigaqo-nkqubo yabo.
Amafama
Amafama Kuphakathi kwepakethi, inqanaba lesi-5 phakathi kweenkampani zeinshurensi ezinkulu elizweni. Abathengi banika i-inshurensi amaxabiso afanelekileyo ukwaneliseka ngenkqubo yamabango, inkonzo yabathengi, kunye nexabiso. Nangona kunjalo, amanqaku e Amafama Bawile kancinci xa sibuza ukuba ngabaqhubi bangayincoma na inkampani kubahlobo okanye kusapho.
Yintoni ongayenza ukugcina imali kwi-inshurensi yemoto?
Imigaqo-nkqubo yeinshurensi yephakheji
Ungayiqokelela imigaqo-nkqubo phantsi kwenkampani enye ukugcina umndilili we-8% kwiipremiyamu zakho ezidibeneyo, kuxhomekeke kwinkampani. Abaqhubi ngokubanzi baqokelela i-inshurensi yabo yemoto kunye nomgaqo-nkqubo wabanini babo okanye werente.
Ngelixa ukuba nemigaqo-nkqubo emibini phantsi kophahla olunye kunokuba lula, sicebisa ukuba uthengise kwaye uqiniseke ukuba ugcina ngokwenyani.
Yandisa ukutsalwa kwakho
Ukuxhuzulwa yimali oza kuyibhatala epokothweni kwimeko yokungqubana phambi kokuba i-inshurensi yakho ihlawule konke. Ukuxhuzulwa ngokubanzi kusetwe kwi- $ 500, kodwa ukuphindaphinda kwi- $ 1,000 kunokukugcina nge-13%. Inokuba yinto efanelekileyo ukugembula ukuba awuqhubi kakhulu kwaye awubekekalanga kwiingozi.
Ukwandisa okutsalwayo kunokuba yindlela elungileyo yokonga imali, qiniseka nje ukuba uthatha isigqibo unolwazi. Uphononongo lwango-2018 lubonise ukuba ama-60% abantu abaneminyaka engama-22 ukuya kuma-37 bagcine imali engaphantsi kweedola ezili-1 000 kulondolozo. Ukuba ukwelo nqanaba, ukuba nomgaqo-nkqubo oxhuzulekileyo isenokungabi yeyona ndlela ilungileyo yokugcina imali kuwe.
Ukuphonononga rhoqo umgaqo-nkqubo wakho wemoto
Kuba iipremiyamu zeinshurensi ezizenzekelayo ziyanda kumazwe amaninzi, phinda uhlolisise umgaqo-nkqubo wakho wangoku Unyaka naphambi kohlaziyo, unokuqinisekisa ukuba ufumana uhlobo kunye nenqanaba lokugubungela olifunayo kwaye onokulihlawula. Awunyanzelekanga ukuba ulinde de ukuba ipolisi yakho yangoku iphelelwe, unokuthenga ngapha nangapha nangaliphi na ixesha.
Olunye uphononongo lufumanise ukuba ngo-2019, iipesenti ezingama-72 zabaqhubi bathe bazakutshintsha i-inshurensi ukuze yonge imali. Ukuba ubunokufumana umgaqo-nkqubo olungele iimfuno zakho kwaye ufuna ukuthatha umtsi, qiniseka ukujonga umgaqo-nkqubo wokurhoxisa umboneleli wakho wangoku. Unokufumana isivumelwano esingcono kwenye indawo, kodwa ngeyiphi indleko? Fumana lonke ulwazi oludingayo ukuze wenze isigqibo unolwazi.
Njengemigaqo-nkqubo yeinshurensi yemoto etshintsha rhoqo, iimeko zobuqu nazo zinokutshintsha. Mhlawumbi ufikelele kubudala apho ulungele ukufumana izaphulelo ezithile, okanye mhlawumbi ucinga ukongeza enye imoto? Nokuba ithini na imeko, jonga umgaqo-nkqubo we-inshurensi yemoto kwaye uqiniseke ukuba isasebenza kuwe.
isiphelo
Xa ukhetha inkampani yeinshurensi yemoto, jonga iimfuno zakho kwaye ubeke phambili ukhetho lwakho ngokusekwe kwinto ebaluleke kakhulu kuwe. Ngelixa i-GEICO ibonelela ngamaxabiso asezantsi ebhodini, ezinye iinkampani ezinje ngeAmica zibonelela ngokwaneliseka kwamabango, iAllstate ibonelela ngenkxaso enkulu kubaqhubi abasemngciphekweni omkhulu, iFama kaRhulumente inikezela ngamava abaluleke kakhulu, kwaye i-USAA ibonelela ngezaphulelo kubasebenzi.
Imithombo:
- IBusiness Business Bureau. Iinkampani ze-Geico Insurance . Ibuyiswe ngoJuni 7, 2020.
- JD Amandla. Isifundo sokuThenga i-Inshurensi yaseMelika . UU. 2020 . Ibuyiswe ngoJuni 7, 2020.
- Iindaba zaseMelika kunye neNgxelo yeHlabathi. IiNkampani ze-Inshurensi eziPhambili ze-Auto ngo-2020 . Ibuyiswe ngoJuni 7, 2020.
- Iinkonzo ze-AM eziBalaseleyo. I-AM yeyona iqinisekisa umlinganiso wekhredithi yeeNkonzo eziManyeneyo . Ibuyiswe ngoJuni 7, 2020.
- JD Amandla. Isifundo sokwaneliseka samabango e-2019 e-US . Ibuyiswe ngoJuni 7, 2020.
- JD Amandla. Isifundo sokwaneliseka samabango e-2019 e-US . Ibuyiswe ngoJuni 17, 2020.
Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.
Iziqulatho
- Eyona inshurensi yemoto eUnited States
- I-USAA
- Ukufunda kunye nokukhetha izaphulelo
- Amava edijithali
- Ukwaneliseka kwabaThengi
- Isigwebo sethu kwi-USAA
- IGeico
- Ukufunda
- Izaphulelo
- Amava edijithali
- Ukwaneliseka kwabaThengi
- Amabango e-GEICO ngeSpanish
- Isigwebo sethu kwi-GEICO
- Yonke
- Ifama yaseburhulumenteni
- Ukufunda kunye nokukhetha izaphulelo
- Amava edijithali
- Ukwaneliseka kwabaThengi
- Isigwebo sethu kwiFama Yaseburhulumenteni
- Abahlobo abanye
- Ukufunda kunye nokukhetha izaphulelo
- Amava edijithali
- Ukwaneliseka kwabaThengi
- Isigwebo sethu kuAmica
- Ukuqhubela phambili
- Ukufunda
- Izaphulelo
- Amava edijithali
- Ukwaneliseka kwabaThengi
- Isigwebo sethu kwinkqubela phambili
- Intsapho yaseMelika
- Kuzwelonke
- Abahambi
- Amafama
- Yintoni ongayenza ukugcina imali kwi-inshurensi yemoto?
- Imigaqo-nkqubo yeinshurensi yephakheji
- Yandisa ukutsalwa kwakho
- Ukuphonononga rhoqo umgaqo-nkqubo wakho wemoto
- isiphelo