Tsvaga purogiramu ichakudzosera mumugwagwa
Uri kurwisana here kuti uwane motokari yemotokari semutyairi wepamusoro? Kana iwe wakanzi uri mutengesi wepamusoro (nemhaka yekutyora kwepamutemo kwemigwagwa kana kukanganisa kuduku zvishoma), iwe unogona kunge usingazvizivi pakarepo, asi iwe zvechokwadi uchaona kukwira mumishandiro yako yveshuwarisi.
Asi usati watenga chero mutemo, iva nechokwadi chekuenzanisa dare uye utaure neshamwari dzako nevavakidzani pamusoro pezvakaitika kwavari mumusika wemushuwarisi. Iyowo pfungwa yakanaka kutarisa mune simba rezvemari nekunyunyuta kwekambani dzamunofunga. Makambani ane simba rezvemari anokwanisa kubhadhara zvikwereti panguva, zvichireva kuti unonyatsoziva kuti iwe uchawana kugoverwa kwawakabhadhara muitiko unofanirwa kuishandisa. Makambani ane rurerekedzo yezviyero zvakaoma kuwana muhutengi hwehushuwarisi yemushuwarisi, asi haugoneki, uye zvakakosha kuedza kutsvaga kambani inopa kugoverana kwakanaka kwekoshi uye mari.
Saka kuti udzoke mumugwagwa nokukurumidza uye wakachengeteka sezvinobvira, taisa pamwe chete mazita emakambani makuru emishuwarenzi kune vatyairi vane matikiti kana njodzi pavanonyora.
01 Zvakanakisisa Kwazvo: Bristol West
Inowanikwa mune dzimwe nyika, Bristol West ndiyo mutungamiri mukuchengetedzwa kwemhosva kwevanotyaira madhara. Iyo kambani inowanzo ine zvishoma kudarika zvikwereti zvepamusoro uye ine unhu hukuru hwemari, uye inopa mikana yepamusoro yebhadharo uye zvirongwa zvekubhadhara zvakakwana. Sevamwe vatsigiri ve Farmers Insurance, inongotengeswa kuburikidza ne Farmers Insurance agents pane kunyanya kune vatengi.
Bristol West's down down payment option inogona kubatsira zvikuru. Kuva nehotera yakaderera kunogona kureva kusiyana pakati pekutenga inshuwalisi nekushaira kwekutya kunze. Zvikonzero zvinowanzoonekwa kuti vanhu vakanyorwa sevanokuvadza zvakanyanya zvinosanganisira kukanganisa kukuru kwakadai sekutyaira pasi pesimba, zvichikonzera njodzi yekurova-uye-kukwira, kuwana chikwata chekutambira matikiti kana kutadza kutenga inshuwarisi yemotokari vasati vawana seri kwegumbo. Asi kana iwe uri muduku kana kuti mukuru wekufambisa, gara munharaunda yakaoma kwazvo yemuguta, kana kutya motokari yakare, iwe unogona kuzviwana uri kunyorwa sehutano hwehushuwarisi.
02 Kumhanyira, Zvakanakisisa Kwazvo: Allstate
Pamusoro pekuva nepamusoro-yevheji yezvemari uye zvishomanana kupfuura chiyero chekunyunyuta, Allstate inopawo kuurawa kwekukurudzirwa kunogona kukubatsira kuti uwane rekodhi rako rekufambisa zvakare - uye rinopa zvipo zvemari kuita saizvozvo. Mwedzi mitanhatu ipi neipi iwe unotyaira zvisina ngozi, iwe uchagamuchira cheki mutsamba kubva kuna Allstate. Kwegore rimwe nerimwe pasina kutyorwa kwekutambisa, iwe uchawana $ 100 kubva pane kukanganisa kwako kubviswa. Kana iwe uchida kuisa purogiramu yeDrivewise yekambani, iwe uchawana 15 muzana kubva pamwedzi mitanhatu iwe unofambisa zvakanaka.
Kana iwe ukaitika kuti upinde mutsaona, unogona kutumira mapikicha nemavhidhiyo panzvimbo yekuti-munhu anoongorora kutumira kuda, uye kambani inotsigira kugutsikana kwekuda. Vanopawo kuregererwa kwekukanganisa kwengozi yako yekutanga uye kunyange kutora nzvimbo yemotokari yako kana iwe uchikwanisa mukati memakore maviri ekutanga iwe unotenga.
03 Best for Reconstruction Your Driving Record: State Farm
Pamwe pamwe nekupa zvirongwa zvinonzwisisika, State Farm's Drive Safe uye Save purogiramu inoratidzira iwe munguva chaiyo-nguva yezvakawanda zvekuchengetedza-kutya zvinhu zvisinganzwisisiki sokukurumidza kufambisa uye kubhururuka zvakanaka. Uye iwe unogona kuwana zvikwereti zvishoma, kusvika ku50 kubva muzana, kana State Farm inofunga kuti hausi wekutya mutyairi sezvo zvinyorwa zvako zvinotaura. Iyo ikambani inopawo kurovedzwa kunonzi The Steer Clear Driver Program kana iwe uchida dzidzo yekudzorera pane zvakachengeteka zvinotyisa zvinotaridzika.
04 Best for The Accident-Prone: Progressive
Waiziva here kuti Progressive zvirokwazvo yakatanga sekambani chete yevanotyaira pangozi? Vaive yekambani yeupurisi yekambani yekukubvumirai kuti mubhadhe miriyamu yenyu muzvikamu uye kuti mupe motokari-in service claims, pamwe chete. Ivowo vatungamiri mubasa revatengi uye kushandiswa kwezvakaitika: zvose zvinoumba zvekugadzirisa zvinoshandiswa neProgressive uye Progressive zvakabatana zvitengesi zvemuviri, zvinoreva zvakanyanya kutambura kwevatyairi apo iwe unoda kugadziriswa uye imwe nzira yakagadziriswa yevanhu vose.
05 Best for Clear & Upfront Costs: Geico
Geico Casualty, iyo inowedzera pangozi yeGeico, inoshandisa zvinoshamisa zvinokonzera maitiro ehurumende kuti aone kuti munhu achabhadhara zvakadini purogiramu yakati, zvichienderana nekurangarira kwezviitiko, kutyaira kusina maturo uye kukwanisa kushandiswa. Iko kambani inopawo kuvandudzwa uye kunakidzwa kwekutyaira mutyairi, uye nguva dzose inowedzera zvakanyanya maererano nehuwandu hwegutsikani hwevanhu.
Sezvo yechipiri-guru guru inshuwarisi kambani iyi, haifaniri kuuya kushamisika kuti Geico ane "simba" rezvemari pamwe chete. Kana uri kutsvaga kubata kwako, zvisinei, iwe ungada kufunga nezvekambani yakasiyana: GEICO inyanzvi yehushuwarisi-shoma nokuti inotengesa zvakananga kune vatengi, zvinoreva kana mune matambudziko kana mibvunzo, iwe unofanira kuzviwana pane webhusaiti kana kuti kudana mutengi webasa.
06 Best for Those rejected by Other Companies: Titan
Kana iwe wakarambwa nemamwe makambani einishuwarenzi, usarega kutsvaga kwako kusvikira watarisa muTitan, rubatsiro rweNyika yose. Titan kazhinji inodzivirira madereji ayo mamwe makambani einishuwarenzi asingazogoni kubata, kusanganisira avo vane zvinodhakwa-kutyaira, uye vachakupai mapepa e SR-22 kana muchida. Kambani inopa zvakawanda zvingasarudzwa nekusarudza kana iwe uri kutsvaga chisarudzo chine mari shoma chiripo, uye inopa zvikwereti zvakawanda zvezvinhu zvausingafungi kuti zvingaita kuti uwane mari yekutengesa, sekuve ne-anti-lock briki yakagadzirwa kana kushandisa motokari yako purazi .
07 Best Best Minimum: The General
Kana uri kutsvaga kambani ye inshuwarisi iyo isingaedzi kuwedzera mamwe frills kumapurogiramu ako asi inewo mari yakatsigirwa pakutsigira, usatarisa kunze kweiyo General. Iyi kambani ichachengetedza chero munhu wese, inogona kubudisa ma-SR-22 mafomu, uye zvinyorwa pawebsite yekwayo zvinosanganisira hurumende huwandu hwekuvhara.
The General inopawo mari yakaderera pasi uye zvinoshandiswa pamwedzi. Kunyange zvazvo kambani iri ine yepamusoro-yepamusoro-sarudzo yekuenzanisa, The General ine simba rezvemari "rakanaka kwazvo," maererano nehurumende yezviongorori AM Best - inoreva kuti vanogona kubhadhara kuda, kana iwe uchida kuisa imwe, yakasimba. Iyo kambani inopawo purogiramu yekuzvimirira uye webhusaiti iyo inopedza kukosha kwekushanda nemumwe mujeri weinishuwarenzi kuitira kuti iwe uite mari yekubhadhara kana shanduko, shandisa kadhi yako yveshuwarisi kana kuona mabhuku ehurumende yveshuwarenzi.
08 Best Paunoda SR-22: Acceptance Inishuwarenzi
Kana wakaita zvakaipa, iwe unogona kudiwa kuti uise mapepa e SR-22 nehurumende yako, iyo inopa uchapupu hwokuti wakatenga motokari yveshuwarisi. SR-22 haisi yerudzi rwe inshuwarisi uye avo vanotaura nezve "inshuwarisi ye SR-22" inongoreva kuti makambani anoda kuvhara vatyairi anofanirwa kuisa mapepa aya nehurumende.
Iwe unogona kunge uchibhadhara mari yakawedzerwa yemari yekudhinda iyo inouya ne SR-22, asi makambani akawanda ehuwandu hwehushuwarisi haazoshamisi kana iwe ukataura izvi zvinoda. Zvechokwadi, chinhu chakanaka kuva pamberi pevamwe vashandi ve inshuwarisi pavanokurukura mazano emitemo uye kutaura kuti iwe uchada kuisa fomu SR-22 kubva pakutanga.
Acceptance Inishuwarenzi inofanirwa kune avo vanoda ruzivo rwechipiri ichi uye chinangwa chekuita basa rekunyora sekunetseka sezvinobvira. Nemhaka yokuti dzinokonzera madhairiro akakwirira, Acceptance inewo zvirongwa zvakasiyana-siyana zvevanotyaira pangozi pane kushandisa imwe-yakakura-yakakodzera-yose nzira. Sezvo kambani yeMiddle Midwest, Acceptance inopawo basa guru revatengi.
Ndinofara kuti, kunyorwa kunzi mutengesi wepamusoro haisi mbambo mubhokisi. Kana iwe usina kuva nehanya, kugadzirisa tsika dzako uye mafambiro ezvo zvichaita kuti inshuwarisi yako inenge yakaderera munguva yemberi.