Aya aive epamusoro gumi emakambani einishuwarenzi emotokari muUS muna 10.

Bhurawuza epamusoro gumi einishuwarenzi emotokari muUnited States uye tsvaga kuti ndeipi yakakunakira iwe kuti uve nechokwadi chekuti mota yako inogara yakachengetedzwa.

Iva mota inishuwarenzi MuUnited States, ndiwo mutemo mumakumi mana nesere kubva makumi mashanu, saka zvisinei kuti ndeipi mota yaunayo kana kuti iwe unoishandisa kakawanda sei, mikana yekuti iwe uchada inishuwarenzi chimwe chinhu.

Kana tsaona ikaitika, auto insurance policy ichapa kuvharwa kwemhosva kudzivirira kukuvara kwemunhu kana kukuvara kwepfuma. Mamwe marudzi einishuwarenzi yakakosha inogona kuvhara kukanganisa kumota yako wega nokuda kwezvikonzero zvakasiyana-siyana, mari yekurapa inowanikwa nekuda kwetsaona uye zviitiko nevatyairi vasina inshuwarisi kana vasina inshuwarisi. Mamwe makambani einishuwarenzi emotokari anotopa yakazara auto inishuwarenzi sarudzo dzinogona kusanganiswa neinishuwarenzi yevaridzi vemba kana kusanganisira rubatsiro rwemugwagwa. Zvichienderana neinishuwarenzi yaunowana, inogona kunge iine miganho yekuvhara kana kufukidzwa kwakazara, kunyangwe nyika zhinji dzichida kuti vatyairi vese vave neinishuwarenzi imwe yemhosva.

Mari yakavharwa mune auto inishuwarenzi quote inogona kuwedzera kune uninsured kana underinsured mutyairi. Kuve nekuvhara kwakazara kunogona kubatsira kudzora mari yekunze-ye-homwe inosanganiswa nemotokari yeinishuwarenzi premiums. Ramba uchifunga kuti mari yemwedzi wega wega painishuwarenzi yako yemotokari kazhinji haivhare kupfeka uye kubvaruka kwemotokari, kukuvadzwa kunokonzerwa nekutyaira wakadhakwa nedoro kana zvinodhaka kana nevatyairi vasina kunyorwa pa auto insurance policy, uye kukuvara kweinjini kunokonzerwa nemafuta. kubuda, se.

Kune vanofungidzirwa 300 auto inishuwarenzi vanopa muUS.., kubva kune anoshanda munyika kusvika kumakambani madiki. Saka nekudaro, kuronga kuburikidza nekambani yeinishuwarenzi sarudzo kuona akanakisa auto inishuwarenzi makambani uye zvibvumirano zvinogona kutyisa. Pazasi isu tinopa runyorwa rweakanakisa inishuwarenzi e2020 muUSA kuitira kuti iwe uve nepfungwa yekusarudza kana iwe uchizovandudza chibvumirano chako muna 2021.

1. Geico

Vatengesi veSavvy vanovimbisa kuti inoramba iri imwe yeanonyanya kuzivikanwa auto inishuwarenzi sarudzo munyika, asi vatengi vayo vanoziva kambani iyi nebasa repamusoro nerutsigiro rwainopa, pamwe nemitengo yeinishuwarenzi yakachipa. Geico's 97% yekugutsikana kwevatengi inotaura yega, sezvinoita runyoro rwayo rurefu rwemubairo, kusanganisira Kanbay Research Institute's Most Desirable Insurer.

2. Allstate

Allstate yaive imwe yeashoma makambani einishuwarenzi emotokari aisanganisirwa pane imwe neimwe yeJD Power's dunhu rekugutsikana kwevatengi uye yaive nhamba yekutanga muFlorida. inozvitutumadza payakasiyana-siyana yesarudzo yekuvhara uye inopa huwandu hwe auto inishuwarenzi discounts iyo, zvichienderana nemamiriro ako ezvinhu, inogona kuita iyo inodhura-inoshanda auto inishuwarenzi mutemo unowanikwa kune vakawanda vatyairi.

3. kufambira mberi

Hofori munyika yeinishuwarenzi ine vatengi vanopfuura mamirioni gumi nemasere, inokwanisa kukwezva nekuchengetedza vatengi vakawanda vanogutsikana nekuzvipira kunoenderera mberi kuchengetedza vatengi vayo mari pamitengo yeinishuwarenzi yemotokari. Progressive yaive yekutanga kambani yeinishuwarenzi yemotokari kupa zvakachengeteka kutyaira zvideredzwa, zvichiita kuti ive sarudzo yakanaka kune vanhu vane ruzivo rwekutyaira. Kunyange nanhasi, vatengi vanochinja kuProgressive vanochengetedza avhareji yemadhora mazana matanhatu nemakumi mapfumbamwe pagore.

4. Inishuwarenzi yemuridzi wemotokari

Iyo inogona kunge isina kuwanda kwekuvapo kwekushambadzira semakwikwi, asi vangani vavo vanogona kutaura kuti vanga varipo kwenguva yakareba semota? Yakatangwa muna 1916, kambani ine mamiriyoni matatu emainishuwarenzi emotokari mumatunhu makumi maviri nematanhatu. Yako yakakwira JD Power chiyero chinogona kukukumbira kuti utarise kana uine chekuvhara kwaunogara.

5. Chengetedzo

Sezvo yave nhamba yekutanga auto insurer muCalifornia, iri kukurumidza kuwedzera mashandiro ayo munyika yese (kambani inoshanda mumatunhu makumi mana nematatu). Esurance, chikamu cheAllstate, inovimbisa vatengi kuti kuchinja kana kunyoresa muinishuwarenzi yemotokari kunogona kuve nyore kana "kusarwadza," sekutaura kunoita kambani.

Vashandisi vanobvumirana nechiyero sezvo wongororo pawebhusaiti ichikwevera kutarisa kuti kuri kukurumidza uye nyore sei kunyoresa zvese pamhepo uye neEsurance app. Uye kana iwe uchidaidza ese ma introverts, iwe pamwe haufanirwe kutaura zvakananga kumumiriri weinishuwarenzi kuti agadzike.

6. Inishuwarenzi yekusununguka

Inoshanda pasi rose, ikambani yechishanu pakukura kweinishuwarenzi munyika. Nekudaro, iyo kambani inojekesa kwazvo kuti bhizinesi ravo rinotanga newe uye nhanho yekutanga munzira kuwana kukosha kweiyo inishuwarenzi yekuvhara.

Mazhinji makambani einishuwarenzi anopa emahara auto inishuwarenzi mitengo pamawebhusaiti avo, asi Liberty Mutual inopa mutero wekushandisa yako wega: unogona kuchengetedza kusvika 12% pachiyero chako nekuwana auto inishuwarenzi mitengo yepamhepo.

7. Insurance yenyika yose

Mumakore anopfuura 90 ekushanda nevatyairi, akadzidza chinhu kana zviviri pamusoro pezvinoita kuti vatengi vafare (uye, zvakare, chii chinovaita vatengi). Chiono chekambani uye runyoro rwekukosha zvinonyatsoratidza zvaunokoshesa.

Zviyero zvepamusoro kubva kwakasiyana siyana (se AM Best, S&P neMoody's) zvinoratidza kuti izvi zviri kushanda. Aya maitiro anowedzera kune vashandi: Munyika yose yakaiswa pachinzvimbo chechi53 paFortune ichangoburwa "100 Best Companies to Work For" runyorwa.

8. Inishuwarenzi yekufamba

Pakati pezvirongwa zvakawanda zvainopa inshuwarisi yemotokari yaunogona kugadzirisa kuti ienderane nezvido zvako. Panzvimbo pekutengesa, Vafambi vanopa zvakawanda zviwanikwa (muchimiro cheblog blog) zvakagadzirirwa kudzidzisa vatyairi vasati vatenga mutemo. Mutengi ane ruzivo mutengi anofara.

9. Yakachengeteka

Safeco, chikamu cheSeattle-based Liberty Mutual, yanga iri muinishuwarenzi yemotokari kweanopfuura makore makumi masere nemashanu uye yanga iripo munyika kweanopfuura makumi maviri emakore. vanodyidzana nevamiriri venzvimbo vanogona kupa nguva nekutarisisa vatengi vanoda kupindura mibvunzo yavo yega auto inishuwarenzi uye kuzadzisa zvikumbiro zvavo.

10.USAA

Kana isu taitonga nekugutsikana chete, iyo US Automotive Services Association yaizotora nzvimbo yekutanga. Chinokanganisa kupatsanurwa ndechekuti ishoma muhukuru kupfuura mamwe akawanda einishuwarenzi emotokari, sezvo kambani inongopa inishuwarenzi kunhengo dzemauto, veterans, nemhuri dzavo. Nekudaro, USAA inopa yakachipa auto inishuwarenzi mitengo inotorova Geico, nevatengi vachichengetedza avhareji yemadhora mazana manomwe nenomwe pagore.

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