Kana iwe usingafambi zvakanyanya iwe unoda kunyora mune imwe yezvirongwa izvi
Inishuwarenzi yekushandisa-based inogonawo kutumidzwa sekubhadhara-ma-mile, kubhadhara-se-iwe-kuenda kana kubhadhara-se-iwe-drive inshuwarisi, uye aya ose mazwi anoreva telematics. Telematics chiyero chemaitiro emitambo yekufambisa yakafanana nekufambisa motokari, makiromita anoendeswa uye zviitiko zvakaoma-bhabhi. Kambani yeInishuwarenzi inoshandisa imwe yakasungirirwa kuti inyore migumisiro uye mibayiro yevanotyairi vakachengeteka kana avo vane pasi mileage nekutengesa auto inshuwarisi yemari. Ushandisi-based inshuwarheni iri kuwedzera mukuzivikanwa uye vazhinji vatsigiri vebhaji votanga kuipa iyo senzira kune vatengi vanochengetedza pamisimamiro yeinishuwarenzi. Heano mamwe emhando dzakanakisisa dzevhizimisi dzinovhura kushandisa-based based option.
01 Best for Mileage Pasi 10K: MetroMile
MetroMile yakatangwa muna 2001 uye inopa auto inshuwarheni inotarisirwa kune vanodhairika nechepasi mileage gore negore. Coverage ikozvino inowanika muCalifornia, Illinois, New Jersey, Oregon, Pennsylvania, Virginia neWashington nezvirongwa zvekurumidza kuwedzera kune dzimwe nyika. Iko kune waitlist kana iwe uchida kuziviswa kana chinyorwa chiripo muhutano hwako.
Vagadziri vemazano vanopiwa mahwindo asingabhadhari asina kushandiswa anovhara mumotokari yekutsvaga motokari. Kusiyana nedzimwe vhizimisi vhizimisi kupa telematics zvingasarudzwa, MetroMile chete inotenderera mileage uye haisi kutevera zvimwe zvinotyaira zvakadai seakabika zviitiko, kukurumidza kana kutendeuka kamwe kamwe. Chigadziriswa chakaitwa pamwedzi pamwedzi chakatorwa pamwe nebhadharo pamiraira. Iko-mairere yekutengesa kana inotyaira makiromita mazana mashanu pamadhora anenge 3,2 pamiraira imwe chete yaizova $ 16 / mwedzi wepamwedzi uye chiyero chepasi kana $ 30 / mwedzi wega wega wega wega wepamusoro we $ 46. Kune avo vanongotamira marefu marefu, kuchengetwa kunogona kuenzana nemadhora mazana mashanu pagore pamutemo wemotokari. Iko mitengo ichasiyana maererano nemitengo yako ye mileage pamwedzi.
Miles anopfuura 250 / zuva vakasununguka (150 / zuva muNew Jersey); saka hauna kushungurudzika maireji mahara kana uri kuenda rwendo rurefu. Isofoni yepa mobile inopa zvinhu zvekufamba maitiro, kurasikirwa kwemotokari, motokari yemotokari uye nharo dzisina ruzivo rwemigwagwa inopera mune mamwe maguta kuti ikubatsire kudzivisa matikiti. Kuponesa kukuru pamotokisi yemotokari kunoenda kune vanodhairi vane makiromita anopfuura 10K gore negore. Zvokushandisa zvinosanganisira:
- Bodily kukuvara
- Pakuvadzwa kweimba
- Uninsured and underinsured motorist coverage
- Collision
- Comprehensive
- Kuzvidzivirira kumunhu oga / kubhadharwa kwechiremba kugovera
- Kubhadhara kukodzwa
- Emergency roadside assistance
- 250, $ 500, uye $ 1000 zvigadziriswa
02 Best Discount for Daytime Drivers: Progressive
Progressive Inishuwarenzi yekushandisa-based sarudzo inonzi Snapshot. Mushure mekunge usayina, iwe uchagamuchira chidimbu chiduku kuburikidza ne mail kuitira kuvhara mumotokari yemotokari yako (kazhinji iri pasi pechigurudzo). Snapshot haisi kuAlaska, California, Hawaii neNorth Carolina uye iyo shanduro inongoshanda chete kumotokari yakagadzirwa mushure mekunge 1995. Zvinotyaira zvakanyorwa nechigadzirwa zvinosanganisira makiromita anotengesa, nguva yezuva, zviitiko zvakaoma-bhabhi kana zviitiko zvakaoma. Speed haisi kunyorwa. Kamwe kambani ikarongedza data yezuva rekutengesa kwemazuva makumi matatu, kana iwe uchikwanisa kubhadharwa ichashandiswa pamutemo wako. Iwe uchagamuchira bhokisi rakabhadharwa kubhadhara dhidhiyo kuburikidza netsamba kuProgressive. Vatyairi vakachengeteka vanogona kutarisira kugamuchira kusvika 30 kubva muzana kudhura pamotokari yemotokari (vatyairi vane makiromita mashoma anotengesa, vashomanana zvakaoma-mabheji kana zvipingamupinyi zvinokonzerwa nevatyairi avo vasingafambisi zvakanyanya pakati peawa pakati peusiku uye 4 am)
03 Best for Continued Safe Driving Discounts: Allstate
Purogiramu yeWorstate's Drivewise inopa zvikwereti zvinosvika makumi matatu kubva kune makumi matatu kubva kune makumi matatu kubva kuzana kumotokari yemotokari inogara kuColorado, Michigan, New Jersey, New York, Arizona, Illinois neOhio. Iyi purogiramu inoshandisawo terematics chigadzirwa chakaiswa mumotokari yekutsvaga gwara. Chigadzirwa chacho chinokurumidza kufamba, mileage, zvakaoma-braking uye mamwe maitiro ekufambisa. Kune vatyairi avo vanotanga kuwanika kuwana 30% yezvidzidzo, mari yekuwedzera inogona kubhadharwa uye yakabviswa kubva purogiramu yako yepamutemo pamwedzi mitanhatu. Kugamuchira huwandu hwekutyaira kwakachengeteka; vatyairi havafaniri kutyaira 80 mph kana kupfuura, vachityaira kupfuura 12 000 gore negore kana kupfuura makiromita makumi matatu pazuva; kutyaira pakati pegumi nemasere ne4 am uye chero zviitiko zvakaoma-braking. Kunyange kana iwe usingazivi chero mari yako pa auto premium yako, premium yako haichazokwira zvichienderana nemashoko akaunganidzwa kubva pane zvakagadzirwa telematics device pamusoro pemwedzi 12 wemotokari. Vanotyairi vanofanira kutyaira motokari yavo kwemazuva makumi mapfumbamwe nemwedzi pamwedzi mitanhatu kuti vakwanise kuchengetedzwa kwekuchengetedza.
04 Best for Commercial Fleet Drivers: Liberty Mutual
Rusununguko Mutual runopa Inboard Advisor kune vatengesi vemabhizimisi ezvokutengeserana uye dzepashamba uye inopa tsitsi shoma kune vanotyaira zvakachengeteka. Nokuda kwega auto auto inshuwarheni, shanduro-based program inonzi RightTrack. Vanotyairi vachachengetedza kusvika 30 muzana pamotokari yemotokari, kusanganisira kubhadhara kungozonyora. Zviitiko zvinoshandiswa kutsvaga zvakachengeteka-kutyaira zvikwereti zvinosanganisira nguva yemasikati, zviitiko zvinoputika, kukurumidza uye mileage. Liberty Mutual inoshambadza kuchengetwa kwegore negore kusvika ku $ 185 yevatyairi vakachengeteka vanobatana. An app inowanikwa iyo inotora mari yako yekuchengetedza, kufamba kwemashumo uye inopa mazano ekufambisa.
Izvo purogiramu inoita kuti iwe utyairire kwemazuva makumi mapfumbamwe-uye nguva inoshandiswa inoshandiswa pamutengo wako wepurogiramu. Rusununguko Mutual ruchaendesa bhokisi rakabhadharwa kubhadhara foni yako. Kubatanidzwa kune rusununguko uye kubhadhara kunodhindwa kana ukatenga motokari itsva panguva yekutsvaga chero bedzi ichiwedzerwa kumutemo mukati mememazuva makumi matanhatu ekunyorwa. Kurudzirwa kunopesana nehurumende uye kutapudza hakuwanikwi mune zvose zvese.
05 Best for Cars Newer: Nationalwide
SmartRide ndiyo inoshandiswa yehurumende yekushandisa-purogiramu uye inopa zvikwereti kune vashandi vayo kusvika kusvika makumi mana kubva kuzana yezana nekuderedzwa kwemazuva mashanu kwekunyora. Mushure mekunge maisa chigadziro mumotokari yenyu, kuburitswa kunovandudzwa vhiki nevhiki. Pashure pemwedzi mina kusvika kumwedzi mwedzi yekuongororwa, unotumira iyo chigadziro zvakare uye kugadzirisa kwekupedzisira kunopfigirwa mukati uye kunoshandiswa kumotokari yako purogiramu pakuvandudzwa. Purogiramu yacho ndeyemotokari yakagadzirwa mushure mekunge 1996 uye haikwanisi nemamwe motokari uye ye-diesel-powered vehicles. Zvinokonzera kusarudzwa zvinosanganisira mileage, zvakaoma-kubhadhara, nguva yezuva uye kukurumidza. Izvo zvakanakisa zvinyorwa zvinopiwa kune vanodhairi vanodzivisa kutyaira pakati peusiku pakati peusiku ne5am uye vanofanirwa nekuita nekuchengetedza tsika dzakachengeteka. Dhiyabhorosi yakaunganidzwa kubva pachigadzirwa ichashandiswa chete kuti iwane chikwereti uye haichawedzeri auto auto premium yako
06 Best Mobile Application: Esurance
DriveSense ndiyo chirongwa cheEsurance-based based uye inogona kuchengetedza vatyairi vakanyoresa kusvika 30 muzana pamotokari yemotokari. Chigadzirwa chacho chakasungirirwa muchikwata chekuongorora uye zviyero zvinokonzera mabheji, mileage, maawa ekufambisa, kukurumidza nekukurumidza. Chigadzirwa hachishandi pamotokari yemotokari yakagadzirwa kare 1996, motokari dzemagetsi kana ma hybrids. Chikumbiro chekufambisa chinokubvumira kuti uone kutungamira kwako kwekufambisa kubva pane izvo zvinoita kuti iwe uwedzere. Izvi zvinokubvumira kuti uite chero kugadzirisa kuti uwedzere kuderedza kwako.
Esurance inoshandura purogiramu yakashandiswa-based based, DriveSense, kubva pachigadziro chepachiguniti kuenda kune imwe purogiramu yefoni inowanikwa kuArizona, Colorado, Connecticut, Georgia, Louisiana, Maryland, Michigan, Minnesota, Missouri, Missouri, New Jersey, Ohio, Pennsylvania. , South Dakota, Texas, Utah, Virginia, uye Washington uye nokukurumidza kuuya kune dzimwe nyika.
07 Best Accident Kukanganwira: Safeco
Purogiramu yeSececo's Rewind iri purogiramu yekuregerera njodzi inoderedza kana kubvisa zvikwereti zvepa premium zvezviitiko kana matikiti. Kubatsira kunouya mukusava nekumirira kwemakore matatu kusvika mashanu nekuda kwechiitiko kana tikiti yekudarika rekodi yako yekufambisa. Pane kudaro, iwe unogona kunyora kwemazuva mana ekufambisa motokari nguva kuburikidza nefaira yakagadzirwa ne telematics uye ine mhosva dzakadzorerwa. Kana iwe wakanga uine zviitiko kana matikiti, izvi zvingachengetedza zvinogona kuwedzera kusvika kune zvakakosha kuchengetedza pa auto auto premium.
Munguva yekuongororwa, iwe unopiwa hutano hwekuchengetedza zvichibva pamakiromita, nekukurumidza, nzvimbo, nguva yezuva, nhamba yeVIN uye kukurumidza. Hapana mvumo yekunyora uye purogiramu haina kupiwa mumatunhu ose. Iwe unogona kudzokorora data yako yekufambisa paIndaneti uye uone kufambira mberi kwako. Mumwe chete mutyairi pamutemo unobvumirwa kutora chikamu uye iwe unogona chete kushandisa Rewind Program imwe nguva.
08 Best for Teen Drivers: Vafambi
IntelliDrive ndiyo inoshandiswa nevatambi vekufambisa kuArabama, Connecticut, Indiana, Illinois, Maine, Ohio, Oregon uye Virginia. Anokurumidza kukurumidza kusvika kusvika ku10 kubva muzana inopiwa uye vane vashandi vanoendesa makiromita 13 000 gore negore kana zvishoma vanokwanisa kuwana kusvika kune 30 muzana kudhura. IntelliDrive inokubvumira kuchengetedza mitemo yekutya yakachengeteka yemwana wako uye unogamuchira e-mail kana zvinyorwa zvemashoko kukuudza iwe kana motokari ichidzingwa kunze kwekuchengeteka kwako motokari mirayiridzo. GPS inokuitawo kuti uzive kuti motokari yako iri kuendeswa kupi. Coaching tips inopiwa kuvatori vechidiki vachiri kuyaruka kuvandudza unyanzvi hwokufambisa. Mashoko anotsvakirirwa anosanganisira mileage, nguva yezuva, kukurumidza, kubhururuka uye kukurumidza kuyerwa kuburikidza nefoni yakasungirwa purogiramu yakavharirwa muchiteshi chako chekuongorora chirwere.