Kana iwe uri wechidiki mutyairi, tinoziva nzvimbo dzakanakisisa dzekusimbisa motokari yako
Kuve mutyairi ane mvumo kunogona kuoneka kunopisa. Kutenga motokari uye kuitora iyo inshumo ndeyemhosva yakawanda. Kana uine makore anopfuura 18, mutyairi ane mvumo uye une mari inowanika kutenga motokari (uye inshuwarheni yekuvhara), iwe uri pachena uye wakasununguka kuita kudaro. Asi kana uri mudiki wechidiki, kungova ne-reisheni uye mari haikwani. Munyika dzakawanda, vana havabvumirwi kuva negavo pfuma yavo, uye iwe unofanira kutora mubereki (kana mumwe munhu mukuru anovimbwa) kuti ubatire iwe kutenga kwako. Paunenge usina chokwadi, bvunza DMV yako yenyika.
Kuwedzera mutyairi wechidiki kumotokari yemhuri yemishuwarisi inodhura kupfuura kutenga inshuwarisi iwe pachako: iwe ungangobhadhara chikamu makumi maviri kubva kuwedzera kusvika pamhuri yako yepuraimisi ingave nokuva nepurogiramu yako yakasiyana.
Mashoko akanaka ndeokuti kana iwe uchida kuzviratidza iwe pachako uye uchibhadhara yako purogiramu yishuwarenzi, musiyano muzvikomborero zvichava gore rakapera gore kana uchikura kuva mutana akare uye ane ruzivo.
Kusvikira panguva iyo, apa ndiyo nzira dzakanakisisa dzevana vechidiki nevadzidzi vekoroji:
01 Best Overall: Erie Insurance
Kana iwe uchigara kuIllinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, kana Wisconsin, iwe unofanirwa kushevedza Erie agent. Iyo nyore nyore imwe yemakambani anonyanya kutengesa kune vechidiki uye vekoroji vane makore vakuru. Vanopa zvikwereti kusvika kusvika 20 muzana yevatyairi vanogara pamba uye vari pasi pemakumi maviri nemashanu, gore negore vanopedza pasi pemitemo imwechete, nekuda kwekutora kirasi yekutyaira, uye kunyange kubatanidzwa mukukwikwidza kwavo purogiramu inopa zvipo kuvadzidzi vari iyo inobatanidzwa nekutyaira kwakachengeteka. Zvakanaka, huh?
Erie Insurance inonyatsozivikanwa pamutengo wayo wekukwikwidza uye yepamusoro yebasa remabasa. Ivo vakayerwa A + na AM Best, iyo inonzi inonzi Excellent rating. AM Nhamba yezvikwereti ndeyekugadzikana kwemari yemutakuri uye mukana wekubvuma kwako kubhadharwa.
02 Kumhanyira, Zvakanakisisa Kwazvo: American Family Insurance
Kambani inozivikanwa ine yega yeTeen Safe Driver purogiramu iyo inogona kupa kusvika 10 muzana kubhadhara kubva kumapurayamisi mushure mokunge mutyairi apedza kana 3 000 maawa ekufambisa kana gore rimwe achishandisa purogiramu, iyo inofambisa maitiro ekufambisa uye inopa mhinduro. Kana iwe uchigovera motokari nemwanasikana wenyu ari kuyaruka, usanetseka - unogona kubvisa maitiro kubva mugiyo kana mumwe munhu ari mutyairi.
Funga kutyaira motokari duku. Zvikwata zvepamberi zvinowanzochera kumotokari yekare - uye zvechokwadi yakaderera kupfuura iyo iri pane yakakurisa mitambo yemitambo yemotokari. Asi sezvo huwandu hwekufambisa kwevatyairi vechidiki hunenge kaviri kune imwe yevatyairi vakura, usati wadzivirira mukuchengeteka: motokari yekare kare dzimwe nguva inoshaya kuchengetedzwa kunokosha kunodzivirira vatyairi vatsva mumugwagwa paitika njodzi . Pachishoma, iva nechokwadi chokuti motokari iri kushanda airbags uye ikozvino kwekuchengetedzwa kwekuchengetedzwa kubva kune unyanzvi.
03 Best Best Student Discount: State Insurance Insurance
State Farm inouya nemakwikwi ekukwikwidzana uye inosarudzo yakakura kune avo vanogara kunze kwenharaunda huru dzematare uye nyika dzisingabatanidzi nevatengesi vanyoro vashoma. Vanewo kutapudza kunotapira kwe 25 muzana kwemashoko akanaka kusvika pazera remakore makumi maviri nemashanu uye vanozivikanwa nokuda kwekushumira kwavo kunotyisa kwevatengi.
State Farm ndiyo inonyanya kukonzera kambani yeInishuwarenzi muUnited States sezvo ichivimbisa mamwe motokari uye dzimba kupfuura chero umwe mutakuri. Mune dzimwe nyika, State Farm inopa Steer Clear uye inzai Safe and Save programs iyo inopa zvikwereti zvichienderana nemitambo yekufambisa pavanenge vachibatsira madhairiri vaduku kudzidza kudzidzira zvakanaka. Tarisa neanoshanda munzvimbo yako kuti uone kana izvi zvingasarudzwa zviripo.
State Farm Agents vakanyatsodzidziswa vashandi vanogadzirira kuvhara zvinhu zvose zvaunazvo mune imwe nzvimbo. Izvo zvakanaka kuti mhuri yose iwane inshuwarisi yavo nekambani imwe yveshuwarenzi.
04 Best Direct Insurance Company: Geico Insurance
Geico inowanikwa mune makumi mashanu uye inotora zvidzidzo zvekushandisa mabhandi enyu ezvigaro, pamwe nekuita kuti motokari yako ive nekuchengeteka zvakadai se-anti-lock brakes, airbags uye anti-theft protection. Vanopawo Purogiramu yeMari yeMhuri inopa mutengo wakaderera kune vechidiki vanogara pamishuwarenzi yemubereki wavo uye gare gare vashandura kuGeico yavo chirongwa. Kana iwe uchifambisa pakati pemusha nekoroji kazhinji, unogona kudikira kuti kambani yekuparadzanisa magetsi, iyo inobhadhara mari yekugadzirisa kwaunoda nekuda kwekugara uchipfeka uye kuputsa pane kungoerekana yaona ngozi.
Geico inotengwa uye inotengeswa zvakananga paIndaneti, zvinoreva kuti iwe hausi kuzopinda muhofisi yeagenzi. Direct inshuwarisi haisi itsva uye iri kuramba ichikura mukuzivikanwa. Iwe unogona kutaura nemunhu ane mvumo nefoni isina nyore. Vamwe vanovatarisa sekuputira munhu wepakati nepfuma shoma shoma muhomwe yako.
Iyo inobatsira kuti uve neanoziva nehuturi yemotokari usati wazvitenga paIndaneti. Kana iwe uchinzwa usinganzwisisi kuti mashandiro ako anobatsira sei, iva nechokwadi chokuti uwane mhinduro kubva kune unovimba.
05 Best Policy Inotarisira: Nationwide Insurance
Kufanana nevamwe vari kurongwa urwu, Nyika yose inopa mudzidzi akanaka kutora. Asi inopawo kukanganwirwa kwebasa kunyange nekuda kwevatyairi vechidiki, kuvimbisa kuti mazinga haawedzere kana apfuura mushure mekutanga kwekukanganisa-kukanganisa. Vanopawo 24/7 rutivi rwomugwagwa rubatsiro. Kana iwe uchida kuva nemotokari yako ichiongororwa panguva dzose, hurongwa hwavo hweStrRRide unogona kukukodzera iwe kuti uwane dzimwe dzero dzepamusoro pashure pegore rekushandisa. Iwe unogonawo kuunganidza zvikwereti pane chirongwa chemhuri, saka kana vabereki vako vakakodzera kubhadharwa kwekushaya njodzi, iwewo, iwewo.
Tora mutyairi ed, kunyange kana zvisingabvumirwi - uye kunyange kana zvisingaderedzi miriyamisi yako. Icharamba ichideredza mikana yako yekukonzera njodzi inodhura uye yepamusoro-soro, saka zvingangoita kuti iwe uchengetedze iwe mari uye kurwadziwa kwenguva refu.
06 Best for a Driver Student on Their Own: Progressive Insurance
NeProgressive's multi-car discount, iwe unogona kukanganisa mari yekusimudzira mwana wechidiki kana wechidiki kuburikidza nekuwana mutengo wakaderera wekuvhara motokari dzakawanda pasi pemutemo iwoyo. Asi, haisi nguva dzose chisarudzo. Kana uri kutenga mutemo iwe pachako sechidiki mutyairi, Progressive ichakutarisira iwe.
Progressive's website inotaridzirwa seimwe yezvakanakisisa zvachose. Kuenzanisa magetsi kunoshandiswa nyore nekuenzanisa kwekushandisa. Yeuka, nguva dzose iri pfungwa yakanaka yekutenga zvakapoteredza inshuwarisi, bvunza nezvezvikwereti, uye usatotora kutanga. Chero chero hurongwa uhu huchasarudza, ingoyeuka kuti iwe hausi kuzobhadhara mitengo yakakwirira nokusingaperi!
07 Best When Atway At College: Allstate
Vadzidzi vasati varoora vari pasi pemakore makumi maviri nemashanu vanogona kuwana mari yakawanda kana vakanyoresa nguva yakazara uye vachiwana zvikoro zvakanaka, kuenda kuchikoro anenge makiromita zana kubva kure nemusha (nemotokari yavo) kana kupedza chirwere chechidiki cheSmart driver.
Allstate inopa vashandi vemunharaunda kuti vakufambe kuburikidza nehutano. Nguva dzose mubvunze pamusoro pezvikomborero. Mutyairi akachengetedzeka anorodhorera, yakanaka yekoroti yekodhi, kukodzwa kwekuisa purogiramu yekutyaira yakachengeteka ... urongwa hahugoneki, uye hunogara uchibhadhara kutaura newainishuwarenzi yako.
Kana iwe uchienda kuchikoro asi motokari yako isingave iri kuuya nokuda kwerwendo, iwe unofanirwa kubvunza mumiririri wemhuri yako inshuwarisi pamusoro pebhadharo yakaderera. Kana iwe usiri kutyaira motokari gore rose, saka hapana chikonzero iwe unofanirwa kubhadhara dhora rinopfuura rekuvhara kwegore rose. Asi chokwadi hausi kungotsvaga mutemo wako - unoda kuve nechokwadi kuti kana motokari yako yakabiwa kana kukuvadzwa nechiito chezvisikwa (kana zvipfeko) zvaunovharwa.
08 Best Inishuwarenzi Yemauto Achangobva Kupinda: USAA
Kana iwe ukasangana neuto pakarepo shure kwekusekondari kana kojiji yekudzidzira uye uchida motokari yveshuwarisi, uri muhombe, nokuti USAA inopa mazano makuru anongowanikwa kune veuto, veteran nemhuri dzavo. Vanowanzove nebasa rakanakisisa rekutengeserana uye kuongororwa kwemutengo mumhizha.
Tarisira kuti uwane ruzivo rwezvinhu zvose zveunishuwarenzi yako inoda. Car inshuwarheni, motokari, chikepe, vatengesi uye kunyange vashandi veimba ye inshuwarisi vose varipo. USAA haina kupa vamiririri vemo asi iwe uchakwanisa kusvika kumumiri 24 maawa pazuva, mazuva manomwe pavhiki.
USAA inonzwisisa upenyu hwemasoja. Vanoziva kufamba kunowanzova chikamu chebvumirano. Vanoziva kuti musha wenyu unogona kunge wakasiyana nedzimwe nyika yauri kugara. Saka regai kutarisa kupfuura USAA.