Makampani abwino kwambiri a inshuwaransi yamagalimoto ku united states. Kuyerekeza kuyerekezera kwama inshuwaransi yamagalimoto kuchokera kumakampani abwino kwambiri kumatha kulipira phindu ngati mitengo yotsika komanso kufotokozera bwino. Takhala tikugwira nawo ntchito yosonkhanitsa pamodzi ndikupanga mndandanda wamakampani abwino kwambiri a inshuwaransi. Kodi inshuwaransi yamagalimoto yabwino kwambiri ndi iti? Nawa mayankho.
Inshuwaransi yabwino kwambiri yamagalimoto ku United States
USAA
USAA ndiye kampani yabwino kwambiri yama inshuwaransi yomwe tingapeze. Pakafukufuku wathu, makasitomala aku USAA ati ali okhutira ndi ntchito yamakasitomala ku USAA. Amakondanso njira yosavuta ya kampani yoperekera ndalama, komanso zosintha pafupipafupi pamilandu ya zonena zawo.
Kuphunzira ndi kuchotsera zosankha
Monga makampani ena ambiri a inshuwaransi yamagalimoto, mfundo za USAA zimapereka:
- Zovuta zovulaza thupi
- Zovuta zowononga katundu
- Kugundana ndikuphimba kwathunthu
- Kuwunikira oyendetsa galimoto osalimbikitsidwa
- Chitetezo cha kuvulala kwamunthu komanso zolipira kuchipatala.
Kuphatikiza apo, USAA imapereka kufalitsa kwa madalaivala a Lyft ndi Uber, thandizo la 24/7 panjira, komanso kufalitsa. Makasitomala a USAA amathanso kulamula kuti agwirizane ndi malingaliro agalimoto ndi eni nyumba, kapena asankhe zina zotere monga moyo, renti kapena inshuwaransi ya condo, kapena inshuwaransi ya bwato.
Pankhani ya kuchotsera, USAA imapereka:
- Kuchotsera koyendetsa bwino
- Kuchotsera kwaophunzira kwa oyendetsa osakwana zaka 21.
- Kuchotsera kwamagalimoto angapo ndi mfundo zingapo
- Kuchotsera koyambira ndi kosungira.
- Kutsika kwa mtunda
- Kubwezeredwa kwa kuchotsera kwa makasitomala
Asitikali apano omwe amakhala m'munsi kapena kumapeto komwe atumizidwa kudziko lina atha kulandira kuchotsera zoposa 60%. Kuphatikiza apo, USAA imakhululuka mwangozi ngati mutakhala zaka zisanu osachita ngozi kapena mukakumana ndi ngozi iliyonse yomwe mungaoneke kuti simulakwitsa.
Zochitika zadijito
Khulupirirani kapena ayi, USAA imapereka mwayi wopanga digito kudzera pa tsamba la USAA ndi pulogalamu yam'manja. Kudzera patsamba la USAA, makasitomala amatha kugwiritsa ntchito chida chaulere chaulere ndikulandila mitengo ngakhale osapereka imelo kapena nambala yafoni.
Tsambali limaphatikizaponso chidziwitso chambiri pazomwe mungasankhe, mapulani ndi zida zowerengera, komanso inshuwaransi yayikulu ndi malangizo a kasamalidwe ka ndalama. Pulogalamu yam'manja ya USAA imaperekanso mwayi wopezeka kwa makasitomala kuti alipire ndalama zawo, kulandila ma ID a digito ndi ma inshuwaransi, kapena kuyambitsa madandaulo.
Zikafika panjira yodzinenera, USAA imakupangitsani kukhala kosavuta kuti mumalize ntchito yonseyo pamanambala, yomwe ndi yabwino kwa anthu omwe akupita. Mukamaliza ngozi yagalimoto, mutha kungopita patsamba la USAA kapena kutsegula pulogalamu yam'manja ndikupereka zomwe mukufuna.
Ngati zowonjezera zowonjezera zikufunika, wothandizira zodzitchinjiriza adzakudziwitsani ndi meseji kapena imelo. Kuphatikiza apo, mutha kutsitsa zithunzi zakuwonongeka ndi zina zofunikira kudzera pa tsambalo kapena pulogalamuyi kuti mulumikizane ndi zomwe mukufuna.
Kukhutira kwamakasitomala
Zikafika pamalingaliro, USAA inshuwaransi yamagalimoto imalandira mavoti apamwamba kwambiri. M'malo mwake, JD Power idapatsa USAA ena apamwamba kwambiri mu 2020 US Auto Insurance Study, NDI US News & World Report adaphatikizanso kampaniyo ngati kusankha kwawo kwakukulu pakuwunika kwawo kwa 2020 kwamakampani apamwamba a inshuwaransi.
USAA imalandiranso mphotho yabwino kwambiri yamankhwala kuchokera ku ntchito zabwino za AM Best. Pomaliza, National Association of Insurance Commissioners (NAIC) idatinso USAA ili ndi zodandaula zochepa za makasitomala kuposa zamakampani apakatikati.
Chigamulo chathu pa USAA
Mukakwaniritsa zofunikira za USA inshuwaransi yamagalimoto, muyenera kuyipindulitsadi. Kampaniyi imapereka mitengo yayikulu, kuchotsera kochititsa chidwi kwa omwe ali mgulu lankhondo, komanso mwayi wabwino pa intaneti.
M'malo mwake, zoyipa zokha zomwe titha kupeza pakampaniyi ndizochepa kupezeka kwake. USAA imangopereka chithandizo chake kwa omenyera ufulu wawo, asitikali ankhondo, ndi mabanja awo, motero ogula ambiri sangayenerere inshuwaransi kuchokera ku kampani yathu ya inshuwaransi yapamwamba.
Geico
Inshuwaransi yamagalimoto a Geico . Geico ndi kampani yachiwiri yabwino kwambiri yama inshuwaransi, ndipo ngakhale wopanga mapanga amatha kuwona chifukwa chake. Ogwiritsa ntchito ati a Geico zimapangitsa kuti zikhale zosavuta kulembetsa ndipo akukonzekera kukonzanso mfundo zawo. Ambiri anafotokozanso kuti amalimbikitsa a inshuwaransi awa. Komabe, ena sanakhutire ndi phindu lomwe amapeza kuchokera ku Geico.
Kuphunzira
Zosankha zazikulu za GEICO zikuphatikiza:
- Kuphunzira ngongole
- Kugwirizana komanso kuphatikiza
- Chitetezo cha kuvulala kwamunthu
- Kuwunikira oyendetsa galimoto osalimbikitsidwa
- Inshuwaransi yotsimikizika yotetezedwa (GAP)
- Makina osweka inshuwaransi
- Inshuwaransi yapaulendo
- Thandizo ladzidzidzi panjira
- Kubwezera galimoto kubwereka
Kuphatikiza pa kuphimba magalimoto, GEICO imapereka ndondomeko zamagalimoto osiyanasiyana: njinga zamoto, magalimoto apamtunda (ATVs), mabwato, ndi magalimoto osangalatsa. Kampaniyi imaperekanso mitundu ina yothandizira, monga eni nyumba ndi inshuwaransi ya renters, yomwe mutha kuphatikiza ndi inshuwaransi yanu.
Kuchotsera
Chimodzi mwazinthu zabwino za GEICO ndikutambalala kwake komanso zosankha zake zingapo. Ena mwa nthawi zopumira ndi ngati galimoto ili ndi:
- Zikwangwani
- Anti-loko mabuleki
- Makina oletsa kuba
- Ndi galimoto yatsopano
Kupumula kwina kumakhudzana ndi inu komanso machitidwe anu. Mutha kukhala oyenera kuchotsera ngati muli:
- Woyendetsa bwino
- Kugwiritsa ntchito lamba wapampando
- Woyendetsa ulemu
- Wophunzira
- Wogwira ntchito ku Federal
- Membala wa gulu lankhondo
Kampaniyi imagwirizananso ndi magulu mazana, mabungwe, ndi mabungwe kuti apereke mitengo yapadera kwa mamembala kapena ogwira ntchito. GEICO imaperekanso kuchotsera kukhulupirika kwa makasitomala - pamakhala kuchotsera kwamagalimoto angapo ndi mfundo zingapo. Zina mwazigawo zomwe zatchulidwazi zimawonjezera nthawi yayitali mukasunga inshuwaransi yanu ya GEICO.
Zochitika zadijito
Kuphatikiza pazopereka zake zazikulu, chimodzi mwazifukwa zomwe anthu amakonda GEICO ndichifukwa cha pulogalamu yake ya m'manja. Ngakhale makampani ambiri a inshuwaransi yamagalimoto apita ku digito, Geico ndiye akutsogola pankhani yolumikizana, kupereka zida zapamwamba zapaintaneti komanso ntchito zosavuta kudzera patsamba la kampaniyo ndi pulogalamu yam'manja.
Monga mawuwo akuti, GEICO imapereka ndondomeko mwachangu kudzera patsamba lawo. Mukalembetsa ku GEICO inshuwaransi, mutha kuyendetsa bwino mfundo zanu ndikusintha 24/7 kudzera pa tsamba la kasitomala la pa intaneti. Muthanso kuyitanitsa madandaulo kapena kuwunika momwe milandu ikuyembekezeredwa, landirani mawu kuti muwonjezere madalaivala atsopano kapena magalimoto pamalamulo anu, ndi zina zambiri.
Pulogalamu yam'manja ya GEICO ndichinthu chodabwitsa kwa makasitomala. Kudzera pa pulogalamu ya GEICO, mutha kupempha thandizo pamsewu, kuti muwone ma ID a inshuwaransi ya digito, mufotokozere zomwe zanenedwa (kapena mutsatire zomwe zanenedwa kale), ndi kulandira thandizo. Chida chake cha Mobile Vehicle Care, mgwirizano wophatikizana ndi CARFAX, chimakupatsani mwayi wowona kukonzanso kwa galimoto yanu, kukumbukira, komanso mbiri yantchito.
Kuphatikiza apo, GEICO tsopano ikupereka kulumikizana ndi Amazon Echo kapena Google Home yanu, komanso ikupatsanso zosankha zamalamulo ndi foni yanu yam'manja kuti muthe kupeza zidziwitso za mfundo kapena kupempha thandizo kulikonse, nthawi iliyonse.
Kukhutira kwamakasitomala
GEICO nthawi zonse imalandira zikwangwani kuchokera kwa makasitomala ndi akatswiri amakampani. M'malo mwake, kampaniyo imakhala ndi A + rating ndi Better Business Bureau.1(BBB) ndi mulingo wa A ++ mu mphamvu zachuma ndi AM Best. Kuphatikiza apo, JD Power posachedwapa yapatsa Geico malo apamwamba mu Kafukufuku Wogula Inshuwaransi wa 2020.2.
Madandaulo a GEICO m'Chisipanishi
Nambala yafoni Geico , malonda: (866) 509-9444. Foni yayikulu yofunsira: (800) 207-7847. Pazadzidzidzi pamisewu kapena misewu ikuluikulu, imbani nambala Geico (800) 424-34 26. (Adasankhidwa)
Chigamulo chathu pa GEICO
Ngati mukuyang'ana kampani yayikulu yama inshuwaransi yamagalimoto yomwe imapereka mpikisano komanso mndandanda wazinthu zambiri zochotsera, GEICO ndiye njira yabwino kwambiri kwa inu. Kuphatikiza apo, zina mwazinthu zosangalatsa za pulogalamu yam'manja ya GEICO zimapangitsa kampaniyi kukhala yotchuka pakati pa onse omwe amapereka ma inshuwaransi mdziko lonselo.
Allstate
Malinga ndi kafukufuku wathu, Allstate ndi kampani yachitatu ya inshuwaransi yabwino kwambiri. Kampaniyo imasungabe makasitomala ake ambiri m'manja, pomwe ambiri omwe amafunsidwa akuti anali okhutira ndi momwe kudaliri kosavuta kuyitanitsa.
Amayamikiranso momwe makasitomala amathandizira. Ngakhale adalemba manotsi ochepa, Allstate adataya malo pomwe tidafunsa ngati makasitomala angavomereze izi kwa ena - makasitomala awiri okha mwa atatu a Allstate adati atero.
State Farm
Kubwera wachinayi pamndandanda wathu wamakampani abwino kwambiri a inshuwaransi yamagalimoto ndi State Farm. Wogulitsa inshuwaransiyu zimapangitsa kuti zikhale zosavuta kufunsira, malinga ndi ambiri omwe adayankha, ambiri omwe akufuna kukonzanso mfundo zawo.
State Farm yagoletsa pang'ono pofunsa ngati makasitomala akhutira ndi zomwe kampaniyo yakonza posachedwa. Madalaivala omwe ali ndi inshuwaransi kudzera ku State Farm adatinso kampaniyo ndiyabwino.
Kuphunzira ndi kuchotsera zosankha
State Farm imapereka ndalama zambiri zama inshuwaransi monga:
- Kuphunzira ngongole
- Kugwirizana komanso kuphatikiza
- Malipiro Amankhwala ndi Kuphunzira Kwaokha Kuvulaza (PIP)
- Kupeza Opanda Inshuwaransi ndi Opanda Inshuwaransi
- Inshuwaransi ya GAP
- Inshuwaransi yapaulendo
- Thandizo ladzidzidzi panjira
- Kubweza galimoto komanso ndalama zoyendera
Kuphatikiza apo, State Farm imapereka chithandizo pamagalimoto ena, monga njinga zamoto, mabwato, ndi ma ATV. Mutha kubisala momwe mungagwiritsire ntchito galimoto yanu ndi imodzi mwanjira zina za inshuwaransi.
Ponena za kuchotsera, State Farm imapereka njira zambiri zoyendetsa bwino, magalimoto otetezeka, komanso kukhulupirika kwamakasitomala. Kuphatikiza ma inshuwaransi osiyanasiyana kumatha kupulumutsa mpaka 17%, komanso mfundo zingapo zamagalimoto mpaka 20%.
Zochitika zadijito
Poyerekeza ndi ena mwamakampani ena akuluakulu a inshuwaransi, State Farm imatsalira pang'ono zikafika pamagwiridwe antchito a digito. Ndizoti, State Farm idayamba mgwirizano ndi SalesForce mu 2018 kukonza makasitomala awo pa intaneti. Monga mawebusayiti ena ambiri a inshuwaransi, mutha kuyendetsa akaunti yanu kudzera pazenera la State Farm.
Kukhutira kwamakasitomala
State Farm ili ndi mphotho zambiri ndipo imayamikiridwa chifukwa chogwiritsa ntchito makasitomala. Phunziro la JD Power la 2019 U.S.5 5. Zachidziwikire, chomwe chimapangitsa State Farm kuonekera ndi omwe amagwira ntchito mderalo, omwe amapeza mamakisi apamwamba kuti akhale ogwira ntchito, odziwa zambiri, komanso osavuta kupezeka (osayimba nambala 1-800 ndikupilira zolimbikitsa ndikudikirira).
Chigamulo chathu ku State Farm
Ngakhale State Farm sapereka maubwino angapo amtundu wa digito monga makampani ena akuluakulu a inshuwaransi, kampaniyo imapereka netiweki yambiri yothandizirana ndi inshuwaransi yanu nthawi iliyonse. Kuphatikiza apo, State Farm ndi imodzi mwamakampani akale a inshuwaransi pamsika ndipo ili ndi mbiri yabwino kwambiri ndi makasitomala.
Mnzanu
Amica Mutual Insurance yalandila malo oyamba mu Phunziro la Kukhutitsidwa ndi Magalimoto a JD Power kwa zaka zingapo motsatizana, kuphatikiza 20195 5
. Kuyambira madandaulo ochepa mpaka malipiro ochepa, imakhazikika m'malo osiyanasiyana. Tikuwonetsa kuti ndi yabwino kwambiri kutengera kukhutira ndi zodzinenera.
Kuphunzira ndi kuchotsera zosankha
Monga makampani ena ambiri a inshuwaransi yamagalimoto, Amica imapereka zofunikira zonse zomwe mungafune: 24/7 msewu, kubweza galimoto, komanso magalasi.
Amica imaperekanso phukusi lotchedwa Platinum Choice Auto, lomwe limaphatikizapo maubwino monga kukhululuka mwangozi, magalasi omwe tawatchulawa, kuwunikira kubera anthu, komanso kubisa kubweza magalimoto koyambirira. Makasitomala amathanso kulandira kuchotsera ndi kukhulupirika kuchotsera.
Mitengo ya Amica ndiyopikisana. Ngakhale sichipereka kuchotsera kwakukulu, kampaniyo ili ndi:
- Kuchotsera kwamagalimoto otetezeka pama airbags, machitidwe odana ndi kuba ndi zina zambiri
- Kuchotsera kwamagalimoto angapo ndi mfundo zingapo
- Kukhulupirika kumachotsera makasitomala omwe amakhala ndi Amica kwa zaka zoposa 2.
- Kudziyang'anira nokha ndi kuchotsera kulipidwa kwathunthu
- Kuchotsera kwamagetsi kwa makasitomala opanda mapepala
Chonde dziwani kuti Amica Mutual sakupezeka ku Hawaii.
Zochitika zadijito
Ponseponse, tsamba la Amica ndi pulogalamu yam'manja ndizofunikira kwambiri ndipo sizichita chilichonse chosangalatsa. Komabe, ndizosavuta kuyendetsa ndipo mutha kuchita ntchito zofananira monga kulipira ngongole kapena kupeza ma ID. Amica imaperekanso mwayi kwa makasitomala ake kuti apereke zonena zawo kudzera pulogalamuyi komanso intaneti. Makasitomala amathanso kufunsa thandizo lammbali mwa njira kudzera pulogalamuyi.
Kukhutira kwamakasitomala
Ndemanga zamakasitomala a Amica ndizabwino kwambiri. Kuphatikiza apo, kampaniyo ili ndi madandaulo a 0.36 ndi National Association of Insurance Commissioners, yomwe ndi imodzi mwazinthu zotsika kwambiri pamsika. Amakhasimende amati Amica amasamalira madandaulo mwachangu komanso moyenera komanso kuti oimira makasitomala nthawi zonse amakhala kuti ayankhe mafunso.
Chigamulo chathu pa Amica
Ngakhale Amica Mutual sapereka kuchotsera kwapadera kapena mabelu adigito ndi likhweru, mbiri yake yokhudzana ndi makasitomala komanso kukhutira ndi madandaulo imadzilankhulira yokha. Ndipo zolipira zanu sizili pa intaneti; M'malo mwake, ali m'gulu lotsika kwambiri pamalonda. Timalimbikitsa kwambiri kampaniyi ngati mukufunafuna wothandizira wodalirika ikafika nthawi yopempha.
Kupita patsogolo
Flo, mayi wodala wogwedeza kuchokera ku Progressive, atha kukhala nambala 1 m'mitima ya otsatsa, koma Progressive ndiye nambala 6 ya inshuwaransi pamndandanda wathu. Wothandizira inshuwaransiyu adapeza zambiri kwambiri kuti athe kulembetsa zomwe akufuna ndi kampaniyo. Zikafika pamtengo, makampani ambiri ampikisano adapeza mitengo yayikulu kuchokera kwa makasitomala awo. Kuchuluka kwamakasitomala a Progressive akukonzekera kuti asapangireko kampani ina iliyonse.
Kuphunzira
Zikafika pakudziwika zokha, zopita patsogolo:
- Zovuta zovulaza thupi
- Zovuta zowononga katundu
- Kugundana ndikuphimba kwathunthu
- Kuwunikira oyendetsa galimoto osalimbikitsidwa
- Chitetezo cha kuvulala kwamunthu komanso zolipira kuchipatala.
- Kuphunzira kwa GAP
- Ma inshuwaransi a ambulera
Kuphatikiza apo, Progressive imapereka zinthu zina zapadera monga kufotokozera madalaivala a Lyft ndi Uber, kufotokozera zamagalimoto zamagalimoto achikale, inshuwaransi yapaulendo yaku Mexico kwa iwo omwe akuwoloka malire, ndi magawo azida zogwiritsa ntchito zida zamtsogolo.
Kwa iwo omwe akufuna kusintha ma inshuwaransi awo onse kupita ku Progressive, kampaniyo imaperekanso mwayi kwa eni nyumba ndi zina, kuphatikiza inshuwaransi ya moyo ndi mfundo zina zaumwini.
Kuchotsera
Pulogalamu ya Progressive's Snapshot imasintha kuchuluka kwanu kutengera momwe mumayendetsera, zomwe sizingathandize madalaivala abwino kupulumutsa ndalama, koma zitha kuthandiza madalaivala omwe ali ndi mbiri kuti achepetse ndalama zawo pakapita nthawi. Kupita patsogolo kumapereka kuchotsera pafupifupi $ 26 pa nthawi yanu yoyamba polemba pulogalamu ya Snapshot, ndipo madalaivala ambiri amasunga pafupifupi $ 145 miyezi isanu ndi umodzi iliyonse ndi pulogalamu ya Snapshot.
Ngati mukufunafuna njira zambiri zosungira ndalama, Progressive imaperekanso:
- Kuchotsera pa intaneti kwa iwo omwe amalandila ndemanga ndikulembetsa malingaliro awo pa intaneti
- Kuchotsera kwamagalimoto angapo ndi malingaliro kwa makasitomala omwe amatsata mfundo zambiri
- Achinyamata amachotsera madalaivala osakwana zaka 18, komanso kuchotsera ophunzira kusukulu yasekondale komanso ku koleji omwe ali ndi magiredi abwino
- Kuchotsera Kwakulipiritsa Kwazokha kwa Omwe Amalemba Ntchito Mukugwiritsa Ntchito Payments Yokha
- Kuchotsera kopanda mapepala kwa omwe amatsata mfundo omwe alibe mapepala
- Kuchotsera kwathunthu kumalipira makasitomala omwe amalipira ndalama zawo zonse m'malo mongolipira pamwezi
- Kuchotsera mokhulupirika kwa iwo omwe amakonzanso mfundo kapena kuwonjezera zina pambuyo pake
Zochitika zadijito
Kupita patsogolo kumapereka chiwonetsero chabwino kwambiri cha digito m'makampani onse akuluakulu a inshuwaransi mdziko lonseli, okhala ndi zinthu zosiyanasiyana monga Name Chida Chanu Cha mtengo ndi Chida Choyerekeza, zomwe zimakupatsani mwayi wofananiza mitengo motsatira wina pamene mukugula mfundo .
Kuphatikiza apo, pulogalamu ya Progressive (yomwe imapezeka kudzera mu Google Play Store ndi Apple App Store) imakupatsani mwayi wogwiritsa ntchito mfundo zanu kulikonse. Ndi pulogalamuyi, mutha kupeza thandizo la 24/7 pamseu ndikulemba fomu, kulipiritsa kapena kusintha mfundo, ngakhale kupeza chiphaso cha digito kuti mupereke umboni wa inshuwaransi.
Komabe, simukukhoza kuyang'anira mfundo za eni anu kudzera pulogalamuyi, chifukwa chake omwe ali ndi mfundo zingapo atha kugwiritsanso ntchito tsamba la intaneti kudzera pa tsamba la Progressive posintha mfundo.
Kukhutira kwamakasitomala
Ngakhale maubwino aku Progressive akuwoneka osatha, makasitomala onse samamva chimodzimodzi. Mu Kafukufuku Wanu Wokwaniritsa Kukhutira kwa 20196 6, JD Power adavotera Progressive kumapeto theka (17 mwa 25) aku inshuwaransi yamagalimoto aku US, kutanthauza kuti omwe ali ndi mfundo zawo sasangalala ndi zomwe amapereka.
BBB imapereka Progressive muyeso wa A +, komabe kampaniyo imangokhala ndi nyenyezi wamba kuchokera pakuwunika kwamakasitomala. Powunikiranso madandaulo a BBB, zikuwoneka kuti madandaulo ambiri amayang'ana pakukonza zodzinenera komanso zosankha za kulephera kwangozi. Izi mwina zikufotokozera chifukwa chake JD Power idapereka chiwerengerocho.
Chigamulo chathu chopita patsogolo
Ponseponse, Progressive imawunikiradi popereka zotsitsa komanso kufunitsitsa kwake kulandira oyendetsa chiopsezo chachikulu. Chifukwa cha izi, tikulimbikitsa Progressive kwa dalaivala aliyense yemwe ali ndi mbiri yangozi kapena zina zilizonse zoyipa zomwe adalemba poyendetsa. M'malo mwake, tikukulimbikitsani kuti mulembetse pulogalamu ya Chithunzichi ndikulola kulembetsa kwanu pakadali pano kukuthandizani kuti muchepetse mitengo yomwe zakale zingakhudze pano.
Banja la America
wotsatira ndi American Family, yomwe ili pachisanu ndi chiwiri pamndandandawu. Makasitomala ambiri adakhutitsidwa ndi momwe American Family idasinthira zonena zawo, ndi makampani ochepa okha omwe amapeza bwino m'gululi. Pamafunso ena onse omwe tidafunsa omwe amayendetsa inshuwaransi kudzera mu American Family, kampaniyi idangopeza zolemba zapakatikati.
Wogulitsa inshuwalansi ndi amene adapeza makampani otsika kwambiri tikafunsa ngati anthu angavomereze izi kwa anzawo. Awiri mwa atatu mwa atatu mwa omwe adafunsidwapo adati atha kuchita kapena mwina atero.
Padziko lonse
Malinga ndi kafukufuku wathu wa ogula, Nationwide ndiye kampani yachisanu ndi chitatu yabwino kwambiri yama inshuwaransi yamagalimoto. Wothandizira inshuwaransiyi nthawi zambiri amakhala otsika kuderalo, pomwe ambiri omwe amafunsidwa sanakhutire ndi zosintha zamtundu wa Nationwide panthawi yomwe amafunsidwa kapena momwe madandaulo awo adasamalidwira. Padziko lonse lapansi, idapeza zotsika makamaka pamtengo wake.
Apaulendo
Malo otsika kwambiri pamndandanda wathu wamakampani abwino kwambiri ama inshuwaransi amachitikira ndi Apaulendo. Monga momwe mungayembekezere kuchokera kwa inshuwaransi yomaliza, makasitomala apaulendo sananene zakukhutira ndi mafunso angapo pazofufuza zathu.
Madalaivala omwe adapereka madandaulo kwa Apaulendo sanasangalale ndi momwe kampaniyo idasinthira zonena zawo, ndipo ambiri sakhulupirira kuti Apaulendo amapereka phindu. Chosangalatsa ndichakuti, apaulendo adalemba bwino pomwe tifunsa ngati anthu angavomereze izi kwa abwenzi kapena abale, koma amagoletsa zochepa tikamafunsa ngati angakonzenso mfundo zawo.
Alimi
Alimi Ili pakati pakatundu, kuyika nambala 5 pakati pamakampani akulu kwambiri ama inshuwaransi yamagalimoto mdziko muno. Ogula amapatsa inshuwaransi mavoti oyenera kuti akwaniritse zomwe amafunsa, kuthandizira makasitomala, ndi mtengo wake. Komabe, kuchuluka kwa Alimi Adagwa pang'ono titafunsa ngati madalaivala angalimbikitse kampaniyo kwa abwenzi kapena abale.
Kodi mungatani kuti musunge ndalama pa inshuwaransi yamagalimoto?
Phukusi inshuwaransi
Mutha kupanga mfundo zingapo pakampani imodzi kuti musunge pafupifupi 8% pamalipiro anu onse, kutengera kampaniyo. Madalaivala nthawi zambiri amakhala ndi inshuwaransi yamagalimoto ndi malingaliro a eni kapena eni renti.
Ngakhale kukhala ndi mfundo ziwiri pansi pa denga limodzi kungakhale kosavuta, tikulimbikitsanso kuti muziyang'ana mozungulira ndikuonetsetsa kuti mukupulumutsadi polumikiza.
Lonjezerani ndalama zanu
Chodulidwa ndi ndalama zomwe mumalipira m'thumba mukakumana ndi inshuwaransi musanapereke ndalama zina zonse. Ma deductibles nthawi zambiri amakhala $ 500, koma kuwirikiza mpaka $ 1,000 kumatha kukupulumutsirani 13%. Itha kukhala njuga yabwino ngati simuyendetsa kwambiri ndipo simukuchita ngozi.
Kuchulukitsa kwanu kungakhale njira yabwino yosungira ndalama, onetsetsani kuti mwasankha bwino. Kafukufuku wa 2018 adawonetsa kuti 60% ya anthu azaka 22 mpaka 37 asunga ndalama zosakwana $ 1,000 posunga. Ngati muli m'gululi, ndiye kuti kukhala ndi malingaliro odula kwambiri sangakhale njira yabwino yopulumutsira ndalama.
Onaninso mfundo zanu zamagalimoto pafupipafupi
Popeza ndalama za inshuwaransi yamagalimoto zikuchulukirachulukira m'maiko ambiri, onaninso mfundo zanu zapano Chaka chilichonse musanakonzenso, mutha kuwonetsetsa kuti mumapeza mtundu ndi mulingo wophimba zomwe mukufuna komanso zomwe mungakwanitse. Simuyenera kudikirabe mpaka malingaliro anu apano atha, mutha kugula nthawi iliyonse.
Kafukufuku wina adapeza kuti mu 2019, madalaivala 72% adati asintha ma inshuwaransi kuti asunge ndalama. Mukadapeza mfundo zomwe zikugwirizana ndi zosowa zanu ndipo mukufuna kudumphadumpha, onetsetsani kuti mwayang'ana ndondomeko yoletsa omwe akukuthandizani. Mutha kupeza malonda abwinoko kwina, koma mtengo wake uti? Pezani zambiri zomwe mukufuna kuti musankhe bwino.
Monga momwe ma inshuwaransi amgalimoto amasinthira nthawi zonse, zikhalidwe zawo zimasinthanso. Mwinanso mwafika pa msinkhu woyenera kuchotsera zina, kapena mwina mukuganiza zowonjezera galimoto ina? Mosasamala kanthu momwe zinthu ziliri, yang'anani mosamala za inshuwaransi yagalimoto yanu ndipo onetsetsani kuti ikugwirabe ntchito.
mapeto
Posankha kampani yama inshuwaransi yamagalimoto, ganizirani zosowa zanu ndikuyika patsogolo kusankha kwanu kutengera zomwe zili zofunika kwambiri kwa inu. Ngakhale kuti GEICO imapereka mitengo yotsika kwambiri, makampani ena monga Amica amapereka chisangalalo chabwino kwambiri, Allstate imapereka mwayi waukulu kwa oyendetsa ndege omwe ali pachiwopsezo chachikulu, State Farm imapereka chidziwitso chofunikira kwambiri, ndipo USAA imapereka kuchotsera kosaneneka kwa ogwira ntchito.
Zotsatira:
- Bwino Business Bureau. Makampani a Geico Insurance . Ikubwezeretsanso June 7, 2020.
- JD Mphamvu. Phunziro la Kugula Inshuwaransi ku US . UU. 2020 . Ikubwezeretsanso June 7, 2020.
- US News ndi World Report. Makampani Opambana Ogulitsa Inshuwaransi mu 2020 . Ikubwezeretsanso June 7, 2020.
- AM Ntchito Zabwino Kwambiri. AM Best amatsimikizira kuchuluka kwa ngongole za United Services Automobile Association . Ikubwezeretsanso June 7, 2020.
- JD Mphamvu. 2019 US Auto Claims Kukhutira Phunziro . Ikubwezeretsanso June 7, 2020.
- JD Mphamvu. 2019 US Auto Claims Kukhutira Phunziro . Ikubwezeretsanso June 17, 2020.
Chodzikanira: Iyi ndi nkhani yodziwitsa.
Redargentina sapereka upangiri walamulo kapena walamulo, komanso sanapangidwe kuti azitengedwa ngati upangiri wazamalamulo.
Wowonera / wogwiritsa ntchito tsambali akuyenera kugwiritsa ntchito zomwe zili pamwambazi pokhapokha ngati chitsogozo, ndipo ayenera kulumikizana ndi omwe ali pamwambapa kapena oimira boma la wogwiritsa ntchitoyo kuti adziwe zambiri zamasiku amenewo asanapange chisankho.
Zamkatimu
- Inshuwaransi yabwino kwambiri yamagalimoto ku United States
- USAA
- Kuphunzira ndi kuchotsera zosankha
- Zochitika zadijito
- Kukhutira kwamakasitomala
- Chigamulo chathu pa USAA
- Geico
- Kuphunzira
- Kuchotsera
- Zochitika zadijito
- Kukhutira kwamakasitomala
- Madandaulo a GEICO m'Chisipanishi
- Chigamulo chathu pa GEICO
- Allstate
- State Farm
- Kuphunzira ndi kuchotsera zosankha
- Zochitika zadijito
- Kukhutira kwamakasitomala
- Chigamulo chathu ku State Farm
- Mnzanu
- Kuphunzira ndi kuchotsera zosankha
- Zochitika zadijito
- Kukhutira kwamakasitomala
- Chigamulo chathu pa Amica
- Kupita patsogolo
- Kuphunzira
- Kuchotsera
- Zochitika zadijito
- Kukhutira kwamakasitomala
- Chigamulo chathu chopita patsogolo
- Banja la America
- Padziko lonse
- Apaulendo
- Alimi
- Kodi mungatani kuti musunge ndalama pa inshuwaransi yamagalimoto?
- Phukusi inshuwaransi
- Lonjezerani ndalama zanu
- Onaninso mfundo zanu zamagalimoto pafupipafupi
- mapeto