Sezvaunokura, hupenyu hunotapira munzira dzakawanda - asi hunogonawo kuwana mari inodhura. Kana iwe uri mumakumi mashanu ako, iwe haufaniri kunetseka nezvetariro yekusimudzirwa kwemaimariyumu emotokari yemotokari asi zvakadaro, asi sezvaunosvika makore makumi matanhatu nemakumi manomwe, kunyange kugoverwa kwepamusoro kunogona kutanga kuwedzera zvakadhura.
Kana iwe wakachenjera, zvakadaro, haufaniri kuva nenzira iyi. Makambani akawanda einishuwarenzi anopa zvikwereti kune vatyairi vakura, pamwe chete nevaya vanoshandisa motokari yekuvhiya mapurogiramu, vanotora zvidzidzo zvekutyaira zvekudzivirira, uye vane up-to-date zvinhu zvinodzivirira pamotokari dzavo. Kana iwe uchangobva kupedza basa uye wakamira kuenda uye kubva kubasa mazuva ose, iwewo unogona kunge wakakodzerwa nekutengesa kwekutyaira zvishoma.
01 Best Overall: The Hartford AARP Program
Iyi purogiramu yakagadziriswa nevatori vekare uye zvido zvavo. Iko inonyanya kukosha ndeyokuti kana uchingotenga mutemo, unobvumirwa kuti iwe hausi kuzorambidzwa kunze kwekuti iwe ukundikana kubhadhara miriyamisi yako kana kuchengeta mutemo wekutyaira wakakodzera. Iwe unogonawo kuwana zvitatu zvepaburiro yekutora kosi yekutyaira.
IHartford ine 24/7 inotsanangurwa yekutaura uye inogara yakarongwa zvikuru nokuda kwebasa ravo. Kana iwe uri mungozi uye unoda rubatsiro nemabasa epamba akadai sekufamba imbwa kana kubika, RecoverCare inokwidza mukati uye inobhadhara mari yezvibasa izvi kana Medicare isingaiti.
Ne chirongwa cheAARP, une mukana wekutenga chirongwa nekunakisa kubviswa, zvinoreva kuti gore negore iwe hauna ngozi-yako, yako inodhakwa ichaderera. Pamwe chete nedzimwe purogiramu dzeAARP dzakasiyana, purogiramu yeHartford inopawo motokari yakawanda, gorofu yemotokari uye bhomba inshuwarisi yekutengeswa kwevatengi vakwegura.
02 Kumhanyira, Zvakanakisisa Kwazvo: Amica Inishuwarenzi
Amica ikambani duku asi ine simba yehushuwarisi, uye yakakodzererwa nevatori vekare. Kugutsikana kwevateereri vavo ndevamwe vepamusoro mumhizha, uye vanogamuchira zvikwereti zvishoma.
Kana iwe uchitora chekudzivirira chekufambisa kuburikidza neKachengetedzwa, iwe uchakwanisa kupiwa zvikwereti pa premium Amica. Iwe unowanawo zvikwereti zvinowanzoitika zvekubhadhara premium yako yakazara kana kuva neimba yako pachako. Mitemo yakatarwa inouyawo nezvimwe zvinotapira zvinotapira, zvakadai sezero inobviswa pachinzvimbo chekugadzirisa (kana zvikako zvako zvakabiwa kana iwe uchingorasikirwa nazvo).
03 Best Discounts: Inishuwarenzi Yese
Pamusoro pekuva kambani ye stellar inshuwaridhe, Allstate inopa "mahombekiti akawandisa" kune avo vanochengetedza mari (kana kushanda chete chikamu-nguva) uye pamusoro pezera remakore 55. Kana uri mutyairi akachengeteka uye uri kutsvaga kuchengetedza zvakawanda, iwe unogona kuwana kukanganisa chete nokuti iwe unoshandisa runhare yavo yeDrivewise kuti uone tsika dzako dzekufambisa - uye imwe kuderedza mwedzi mitanhatu yaunoramba uchityaira wakachengeteka. Chaizvoizvo, iwe unotora zvishomanana mushure mekutsvaga kungova iwe pachako! Kana iwe une anti-lock bruke, anti antivha, kana yemotokari itsva, iwe uchanyengedza mari yezvinhu izvozvo, zvakare.
Kunyangwe zvingasava nechokwadi kune iwe pachako, pachiyero, madhairiro akwegura anonyanya kutarisana nezviitiko nekuda kwekukurumidza mafungiro uye mamwe maitiro akasiyana-siyana. Vanhu vakwegura vanokuvara muzviitiko zvinotora nguva yakareba kuti vadzoke uye saka zvakanyanya kudhura kubata kana vakakuvara. Izvi zvinokonzera njodzi zvose zvinobatanidza uye zvinotungamirira kumakambani ekuwedzera.
04 Best for Drivers occasion: Metromile Insurance
Kana iwe chete uchityaira kune rimwe rutivi rwegore, iwe ungada kufunga nezveurongwa hwakagadzirirwa kune avo vanodhaira zvishoma pamakiromita zviuru gumi pagore. Zvirongwa zveMetromile zvinowanzosvibiswa kupfuura mutemo wepamutemo nokuti dzakaputsika mubhadharo yebhadharo pamwedzi uye chiyero chemamiriyoni chinongoputika kana iwe uchityaira motokari yako. Usanetseka, iwe haufaniri kuverenga mileage yako - iyo inouya inouya nechikwata chepac-in. Izvo zvinoshandiswa zvinogona kukubatsira kuti uwane motokari yako yakamira uye kuverenga mafuta ako ega, uye iyo iyo iyo inouya nayo inokwanisa kukupa maziso pane nguva yekupaka kuitira kuti iwe ugone kudzivisa kuwana tiketi dzisingakoshi!
Chimwe chikonzero chekuti Metromile inowanikwa muCalifornia, Illinois, Oregon, Pennsylvania, Virginia neWashington, asi kambani ichavimba nekuwedzera munguva.
05 Best for Veterans: USAA
Kana wakashumira rudzi rwedu nekuremekedza, iwe uchave nekwaniso rwemazana akawanda evanhu veterans kubatsirwa, kusanganisira sarudzo yekutenga mutemo kubva USAA. USAA kazhinji zvipo zvinowanikwa pakati pematengo ekudhura kwepamusoro, uye kambani inogara ichitaridzirwa zvakanyanya zvikuru nokuda kwebasa revatengi, inoshuva kuzadzikisa uye kugona. Vatyairi vakura vakambiswa inshumo neAIDSA kwemakore makumi mana vachawana mubhadharo weBan bonus unobhadhara 10 muzana yemari yavo yepamuviri yegore.
06 Best for Travel Trip Travelers: State Farm
Kana ukapinda pangozi yakavharidzirwa kure neimba, State Farm haingotaridzi chete mari yekugadzirisa asiwo kudya kwako, pokugara uye kutakura. Kana iwe kazhinji uri mumugwagwa, zvimwe wakadzidza kuva mutyairi akachengeteka, uye iwe uchachengetedza mari kuburikidza nehurumende yeHurma Farm's Drive Safe and Save, iyo inokupa kusvika ku50 kubva mukutora mushure mekunge vaongorora kuendesa kwako mano kuburikidza neavo app. State Farm inopawo zvikwereti zvekutora kudzivirira motokari.
Nezera rinouya huchenjeri, saka iwe unogona kunge uchiziva iye zvino kuti inobhadhara kuenzanisira dhipatimendi. Taura kune yako iripo inshuwarisi broker pamusoro pekuuya kwehupenyu hupenyu uye kuti mari yako yehushuwarenzi inogona kuchinjwa sei. Ongorora zvimwe zvingasarudzwa uye udzose zvakare kumushandi wako wezvino kuti uone kana kune mukana wekuchengetedza.
07 Best for Vanoshambadziri Vengarairi: Chubb
Iwe wakashanda zvakaoma kwemakumi emakore, iwe wakatora mararamiro, uye wakatenga motokari yepamusoro yezviroto zvako. Sei uchifanira kuendesa mberi uchichenjerera zvikuru nokuti iwe wakatora mari mune imwe yemotokari uye boka rako re inshuwarisi harinzwisisi kukosha kwayo kwechokwadi? Kana iwe ukatenga inshuwarisi yeChubb, iwe neye inshurensi unogona kubvumirana kuti motokari yako yakakosha sei iwe pane yekugadzirisa kukosha kwemusika wemotokari kana yakabiwa kana yakazara.
Kana iwe usingakwanisi kufungidzira pfungwa yekufambisa motokari shoma-kupfuura-yepamusoro apo motokari yako iri muchitoro, Chubb inopawo mari yekubhadhara kusvika kusvika ku $ 15,000, kwose kwose munyika. Kufanana nezvinhu zvakawanda muupenyu, iwe unowana izvo iwe unobhadhara: Chubb inopfuura pamusoro pevhareji kugutsikana kwekodzero dzevanhu uye zvishoma kudarika zviyero zvepakati, pamwe ne "zvakanyanya" mari yekutsigirwa kwemishandiro avo machena magetsi.
08 Best for Drivers High-Risk: Dairyland
Zvinosuruvarisa, vamwe vatyairi vakura vangave vasina kukodzera kubva pamitemo yakawanda yveshuwarisi nekuda kwezera ravo chete. Kana iwe usingakwanisi kuwana inishuwarenzi yepamutemo, Dairyland inshumo inogona kunge yakanaka. Iko kambani inewo kubhadhara-se-iwe-kuenda zvirongwa, zvakakwana kuvakuru pane bhajhini yakaoma iyo yaisakwanisa kukwanisa kutyaira pasi peurongwa hwekukuvadza. Pakati pemakambani ose emashuwarisi asinganzwisisiki, Dairyland nguva dzose ane nhamba shomanana yevatengesi vevatengi, zvichiita kuti zvive zvakanaka kana iwe uchida rudzi urwu rwekugovera.
Kana iwe uri mutyairi wekare, iwe unofanirawo kuva nechokwadi chekuti uchengetedze reisensi yako kusvika panguva ino: nyika dzakawanda dzinoda kuti iwe uzvigadzirise zvese makore mana kusvika mashanu. Hazvina mhosva kuti unosarudza hupi, iwe unofanirwawo kuva nechokwadi chokuti iwe unowanzoita physicals kuti uone kuti une utano hwakakwana hwokutyaira, uye kunzwisisa migumisiro yemishonga ipi yauri kutora.