1. Kushandisa-Inobva Auto Insurance
Mikana ndeipi kana wako auto insurer isingabatsiri -based-inshuwarisi (UBI) inozivikanwawo sebhasi-se-iwe-drive (PAYD) inshuwarheni kana kubhadhara-sei-iwe-drive (PHYD) inshurensi , ichakurumidza. Nehurukuro-inishuwarenzi, iwe unobvumira chigadzirwa cheterematics chinogona kuiswa mumotokari yako iyo inobvumirawo kambani ye inshuwarisi kuti iongorore tsika yako yekufambisa.
Kana iwe uri mutyairi akachengeteka, maitiro ako akanaka ekufambisa anogona kukuwana iwe purogiramu yakaderera yveshuwarisi kupfuura vamwe vanhu vane maitiro akaipa ekufambisa.
Maererano neNational Association of Insurance Commissioners (NAIC), inenge 20 muzana yevashandi vese vanoita motokari vanozoshandisa kushandiswa-inshuwalisi mukati memakore mashanu anotevera. Kana imwe purogiramu yeTelematics yakaiswa mumotokari yako, inotarisa kufamba kwako kwekufambisa uye inozvinyora. Zvimwe zvezvinhu zvinotariswa zvinosanganisira kupi uye paunenge uchityaira, nhamba yemakiromita iwe unotyaira, chero nguva yekukurumidzira nokukurumidzira kana kubhururuka kwakasimba. Kunyange zvazvo vamwe vatyairi vataura nezvekunetseka pamusoro pehupfumi hwemashoko evanhu vakaungana, makambani makuru anopa kushandiswa-based inshuwarisi, yakadai seProgressive Insurance , anorondedzera kuti hapana chido chekutsvaga nhamba yevanotyairi vemadokari uye data haina kugoverwa nevamwe vatatu.
Inoshandiswa sei-based auto auto inshumo yakasiyana neyendarama auto insurance?
Nechitsika chemishuwarenzi yemotokari, bhadharo yako yveshuwarisi inotsanangurwa nezvimwe zvinhu zvakasanganisira kushandiswa kwemotokari kare, kuita uye muenzaniso wemotokari yako, mileage uye kuti unoshandisa sei motokari yako (sekushandisa motokari kuti idze marefu marefu kuenda kumabasa kana chete nokuda kwekufambisa motokari).
Ndeipi tsika yemagariro yemitemo isingarangariri iyo inoshandiswa muhomwe yehushuwarisi kuburikidza nekushandiswa-based inshurenzi ndiyo yako maitiro emotokari. Somuenzaniso, kunyange iwe wakanga uine zviitiko munguva yakapfuura, unogona kuva mutyairi wakachengeteka iye zvino.
Ushandisi-based inshuwarisi inowanikwa-kukunda we policyholder nekambani ye inshuwarisi mukuti inopa chikonzero chokuti mutyairi atore mararamiro akachengeteka ekufambisa izvo zvadaro, kuderedza ngozi dzakawanda uye nhamba yezviti iyo kambani yerinishuwarenzi inofanira kubhadhara kunze. Chimwe chinhu chinowanikwa kune policyholder ndechekuti kana iwe ukachinja mukati memwedzi unogona kuchinja purogiramu yako; somuenzaniso, iwe unorega basa rako rezuva rega roga uye uchitanga kushanda kubva kumusha, kupera kwako kwepamuviri kunotanga kushanda nokukurumidza.
Kunyange zvazvo kushandisa-based auto inshuwarisi ingasave yevanhu vose, vanhu varipo vachibhadhara zvikwereti zvepamusoro zvemishonga yemari yepamusoro nokuti vakave vakazvidzivirira sevanotengesa pangozi zvikuru vanogona kuwana kuti kushandiswa-inshuwarisi inogona kuvhara mari yemishonga yemishonga yehurumende zvikuru. Haasi wega wega yunivhesiti yehushumo inoderera nebhasi-as-you-drive inshuwarisi. Kunyange zvazvo vamwe vanhu vachawana mari yakawanda, mamwe madhairamu emotokari yemishuwarenzi achakwira.
Kunyangwe kana auto yako inshuwarisi inopa ushandisi-based inshuwarheni, iyo chirongwa chokuzvidira uye kwete kutenderwa. Kana iwe usingadi kuti deta yako iungane uye yatumirwa kune yako inshuwarisi kambani nefoni yeterematics, ipapo rudzi urwu rwepurogiramu harungasviki kwauri. Kana uine mibvunzo yakananga pamusoro pekuti data inounganidzwa uye kuti inoshandiswa sei, unofanira kufambisa kambani ye inshuwarisi inopa purogiramu yacho. Kambani yeInishuwarenzi inofanira kuva nekutambisa pa webhusaiti yayo inotaurira zvakawanda pamusoro pemutemo wayo wepachivande uye kuti chero dunhu rega rega rakaungana richashandiswa sei.
Iyo inyanzvi inoshandiswa pakushandiswa-inshuwarisi yakashandiswa inowedzerawo mukana wekuti mamwe mafambisi ekufambisa ayo vazhinji vashandisi vashandise vangawana zvakakosha zvakadai semitambo yepamusoro yemotokari, kuvhara motokari yekutsvaga uye maitiro ehutano evanhu vanogona kupindura. Zvinokwanisika kuti mune ramangwana, vazhinji vanogadzirisa motokari vachatanga kuisa zvinhu izvi muzvirongwa zveBI.
Usati wasarudza chero ipi zvayo yekushandiswa-based auto insurance program, zvakanakisisa kuita basa rako rechikoro. Verenga pamusoro pekambani inopa purogiramu uye uverenge ushumiri hwehupupuriro hwekuti chirongwa chakavashandira sei. Izvo ruzivo ruzhinji iwe unozvigadzirisa nayo, zviri nani zvakagadzirirwa iwe paunosarudza rudzi rwakanaka rwe inshuwarisi. Zvimwe zvinoshandiswa-based based insurusi zvirongwa kuti zviongorore zvinosanganisira Nationwide SmartRide , Metromile , Safeco Rewind , IntelDrive yeVatambi, Hartford TrueLane, State Farm Drive Safe and Save; uye Esurance DriveSense .
2. Alexa
Zvichida iwe wakaona kutengeswa kweterevhizheni kweA Alexa, rubatsiro rwakangwara rwomunhu rwakavakwa neAmazon. Alexa, yakatumirwa neAmerica muna 2015, inzwi-inoshandiswa uye inopindura mitemo yakataurwa kuti iite chero chinhu kubva pakuverenga pepanhau rako zvakanzwika kana kupa mamiriro ekunze iye zvino uye nemotokari; kugadzirisa kushandura uye ma-thermostat mumba mako.
Munguva pfupi yapfuura, Grange Insurance ine purogiramu itsva inowirirana neA Alexa iyo ichakubvumira kuti uwane anishuwarenzi akazvimirira oga kana kuti kutsvakurudza inishuwarenzi yekambisi ye inshuwarisi. Nyika yose uye Safeco vaimbove vakapesana na Alexa (aka Echo) kuti vape mabasa aya kune vatengi vavo.
Nevashandi vekambani vanewo Alexa, ivo zvino vane nzira yekubatanidza neinishuwarenzi yavo iyo yakakodzera uye iri nyore kushandisa. Icho chinongova imwe nzira nzira itsva muhushuwarisi inopa mhinduro kune vatengi vanoda ruzivo rwemabasa akawanda kuti varambe vaine mararamiro avo akabatikana. Izvo hazvingashamisi sekuwedzera kwe inshuwarisi vatengesi kuwedzera kushanda kunoenderana ne Alexa.
3. Virtual Insurance Agencies
Kuisa inyanzvi isangano rehushuwarisi rekushandura iro rakashandisa njere yekugadzirira kubvumira vatengesi vashandi kuwana mvumo kuburikidza nekutumira mameseji mufananidzo wepaiti rechiregi. Kune vatengi vari kutsvaga nyore nyore kushandiswa se "# 1 feature," izvi zvichafadza vazhinji. Basa racho rinozivikanwa seEvia (Expert Virtual Insurance Agent).
Kuvhiringidza kune ushamwari pamwe chete nemakambani makuru einishuwarenzi epamusoro ekupa huwandu hwakawanda hwematongerwo emitemo kune vashandisi vese. Vamwe vevadzidzi ava vanosanganisira:
- 21st Century
- AIG
- Amica
- Dairyland
- Esurance
- Varimi
- Infinity
- Freed Mutual
- Mercury
- MetLife
- Nationwide
- Plymouth Rock
- Progressive
- Safeco
- The General
- The Hartford
- Titan
- Vatambi
- USAA
Kana iwe uchida kuina chikwangwani ichi, shanyira paIndisitiri webhusaiti kana kudana 781-369-5695. Kunyangwe Kuvhara Evia kwaiva kwekutanga kwerudzi rwayo mune mumwe munhu ane njere uye anowanzoita inshurensi, usatarisira kuti uve wekupedzisira. Shanduro dzakadaro dzinotarisirwa kutevera sezvinodiwa zvekambani itsva yehushuwarisi kubatsira nekutenga inshuwarisi / servicing mitemo iripo inowedzera.
4. Mobile Insurance Applications
Mobile inshuwarheni mishandisirwo inofanirwa kune chero yveshuwarisi anotakura iyo inoda kuchengetedza pamwe nevatengi vemazuva ano. Upenyu huri kurarama kune vakawanda vane kushamwaridzana kwemazuva ose. Aya "vatengesi" vatengi vari kutsvaga nzira yekuwana nayo inishuwarenzi michina nemishandisirwo kuburikidza nemashambafoni kana madivaysi eAroid.
Iko inofadza chaizvo yehushushi yehushumo yehushumo ichakubvumira kuti utenge zvematongerwo enyika, uzvitenge uye wobva washandisa purogiramu yako kana kutumira kuda-zvose kuburikidza nemutambo wako wechirwere. . Zvichida kuti imwe inowanikwa uye vazhinji varipo vakasununguka kutora, kunyanya kune avo vanochengetedza.
Zvimwe zvekushandiswa kwemapurisa zviripo zvinosanganisira GEICO , Safeco , Travelers , uye mamwe akawanda makambani ehurumende yveshuwarisi. Iwe unofanirwa kutarisa nemutakuri wako wekutengesa pamusoro pemashoko uye data mazinga anogona kushandiswa kune zvifambiso zvefoni.
GEICO ichangobva kuwedzera shanduro itsva yekubatsira kushanda kwayo yakashambadza inonzi Kate . Katie achapindura mibvunzo pamusoro peyeri yako, zuva rekubhadhara rinotevera, nemashoko ekuzarura nokutaura naye kana nekunyora mubvunzo wako. Izvo zvakafanana neApps Siri.
5. Car Car Devices
Iyi teknolojia haina kunyanya kubva kune "inshuwalisi indasitiri" asi kubva kumabhizimisi emotokari. Zvisinei, kufambira mberi mutsva mumagetsi ekuchengetedza magetsi kunogona kukubatsira kuchengetedza mari yakawanda painishuwarenzi yako .
Mamwe mashuwarisi anotakura, akadai seRuberty Mutual Insurance , anopa kuderedzwa kana uine hutsva hutsva hwekuchengetedza motokari hunoiswa mumotokari yako:
- Adaptive Cruise Control : An adaptive cruise device inoongorora vatengesi mamiriro ezvinhu uye ichagadzirisa kasi yako kuti ione kuti motokari yako iri kure kure nemotokari inotevera pamberi pako.
- Kurwisana-Kuzvidzivirira : Kugadzirisa-kudzivirira-kugadzirisa kwakagadzirisa-mukati ma sensor anoziva kana kusangana kwacho kuchiitika kunosanganisira kuitika kwekutsvaira kwekutsva kana kana imwe motokari iri pamberi pako ichidzivirira uye inofamba. Nzira yacho inogona kushandiswa mabheki emotokari yako uye inotora mamwe maitiro ekudzivirira kukudzivirira iwe nevamwe vatasvi vemotokari yako.
- Nzira-Kuchenjerera Kwokubva : Nzira yekuchenesa inzvimbo yakakonzerwa nekamera yakakonzera nzvimbo yako uye inokuchenesa iwe kana motokari yako ichibuda kubva mumugwagwa uri kutyaira.
Izvi ndezvimwe zvezvitsva zvinodzivirirwa zvakagadzirwa munguva pfupi yapfuura izvo hazvingokuchengetedzi chete mumugwagwa asiwo kuderedza yako auto insurance premium. Sezvo chido chekuchengetedzwa kwekombiyuta kuchikura, ndizvo zvichaitawo nhamba yezviyero izvi kune mutengi.