Kudzivirirwa kune avo vari mumugwagwa vanonyanya kuda iyo
Vanhu vanofarira motokari vanofarira kufara kwemugwagwa wakazaruka. Sezvo kufara sezvinoitwa motokari, hakusi pasina ngozi. Kune zviitiko zvakasiyana-siyana zvinosanganisira motokari uye njodzi dzinogona kunge dzakakomba zvikuru. Ichi ndicho chikonzero zvakakosha kuva nekudzivirirwa kwakakodzera kune kurasikirwa kunokonzerwa nekukuvadzwa mumuviri, kuparadzwa kwepfuma uye nezvimwe kuburikidza nechikoro chemishuwarenzi. Iwe unoda kambani inonzwisisa dambudziko rakasiyana-siyana rezviitiko zvemotokari. Kuti tibatsire, tinoisa pamwe chete zvimwe zvepamusoro motokisi yemishuwarenzi mitemo ikozvino pamusika.
01 Best Overall: Markel
Markel Inishuwarenzi ine chimwe chinhu chinoita kuti mamwe emakambani einishuwarenzi aya akwanise kutora: Inonyanya mumotokisi yemishuwarisi kwemakore anopfuura makumi mana. Markel ane chirongwa chekuvhara chero chero rudzi rwemotokari, kusanganisira cruisers, kutarisa motokari, mitambo yemakwikwi, mitambo-kutamba mabhasikoro, mapatya makuru, mabhasikoro emigwagwa, scooters / mopeds, tsvina mabhasikoro, trikes nemamwe motokari dzomutambo. Markel inopa zvikwereti zvakakura zvinogona kuwedzera kusvika kune 35 kubva muzana kudhura pamutemo wenyu wechikoro. Dhaurirano dzinosanganisira anti-lock brakes, anti-theft alarm, multi-unit, renewal, mutyairi akachengeteka, kuchengetedzwa kwezviitiko, nekuregererwa kwezvikanganiso uye kutengesa kutora kwe10 muzana. Kune vatyairi vakachengeteka, pane kuderedza kunoderedza, zvichireva kuti kuderedza kwako kunoderera ne 25 muzana kwegore rimwe nerimwe remitemo iwe unoramba uine ngozi.
Pano ndiyo motokisi yemishuwarenzi inoshandiswa inowanika kuburikidza naMarkel: kupopotedzana, zvakakwana, kushandiswa kwevashandi, uninsured / underinsurance motokari, kushandiswa kwemagetsi, trailer, kurapwa kwemari, mari yemariro, kushaya muviri mumuviri / pfuma kunokanganisa mutoro, mutoro wevatapi, kumharadzano kwemugwagwa, rubatsiro rwekukurumidza inopa, dambudziko rekutengesa uye basa rebheteri, kukanganisa kwekufamba kwepafambisi, kushandiswa kwemapupa emigwagwa yemugwagwa, basa rekuvharidzira uye kubhadhara mari yekubhadhara mari.
02 Best for Young Drivers: Allstate
Allstate ndiro zita rinozivikanwa muhushuwarisi uye ndiyo yechipiri yepamusoro pamiganhu ye insurer muU.S. Allstate ine zvimwe zvakasiyana-siyana kune motokisi yirivhisi yemajeri ayo akanaka kune vechidiki vaduku. Dambudziko Rokutanga ra Allstate Waiver anokanganwira yekutanga motokari njodzi asina kukwidza mari yako yerinishuwarenzi uye ONE Program (Allstate Rider Protection Project) chirongwa chekudzivirira kuchengetedza kupa zvidzidzo zvezvikoro zvevatyairi vechikoro. Zvimwe zvinosanganisira kushandiswa kwezvokurapa, kuchengetedzwa kwemunhu, kukuvadzwa, kugadziriswa, kushambadzira motokari, kushandiswa kwemotokari uye kuparara kwehurairi inshumo, kuora kwepfuma / kuremera kwemuviri, kusarudzwa kwezvinhu / kuwedzera zvivigiro zvekugadzirisa, zvikamu zvechokwadi, chikwereti chekubhadhara mari uye kubhadharwa mari. Zvidzidzo zvinogona kukuchengetedza kusvika kusvika 35 muzana pane motokari yako yeruzhinji insumisi uye inosanganisira mitemo yakawanda, mutasvikidzi akanaka (pasina ngozi), kutengesa kubhadhara, motokari yekuchengetedza kosi uye motokari sangano rekutsvaga kwe10 muzana yekuti ave wechikwata chechikoro chinogamuchirwa.
03 Best for Affordable Coverage: Safeco
Safeco chikamu cheRuberty Mutual Insurance Group uye inopa zvekutengesa motokari yveshuwarisi yekuvharavha kune chero chero rudzi rwechikoro chemotokari, kusanganisira scooters, mopeds, mitambo yemabhaisi, cruisers, choppers, tsvina mabhasi, mitambo yemitambo uye mafambisi ekufambisa. Zvisinei, hapana chakavhara mabhasikoro anoshandiswa pakutsvaga / kumhanya mhirizhonga kana pamakwikwi pasina nitrous oxide kits. Zvokushandisa zvinosanganisira kukanganisa kwemuviri / kukuvadzwa kwepanyika, mutoro wevatasvi vevashanyi, zvakakwana, kupopotedzana, kubhadharwa kwechiremba, uninsured / pasi pekugadziriswa nemotokari, tsika yemhando / midziyo nemugwagwa rubatsiro. Bhizimisi idzva rinotsiva sarudzo inowanikwa kuVatori-Davidson motokari vashandi kwemakore maviri uye kuchengetedzwa kwekugadzirisa sarudzo yekusvika kusvika $ 1 000 pamunhu nokuda kwezvokuchengetedza nguvo dzakarasikirwa panguva yekupesana kuripo. Dhaurirano dzinosanganisira motokari kuchengetedzwa kwekutsvaga tsvina, vagari vomunharaunda, kutengesa garaji, kutasva kambani yekambani uye kukwira kwevatasvi vakura.
04 Best For Military Members: USAA
USAA yave ichipa inshuwarisi kuve nhengo dzehondo uye mhuri dzavo kubvira kuma1920. Motokari yveshuwarisi inowanikwa kuUnited States mauto anoshanda, National Guard uye Reserve nhengo. USAA ine zvikomborero zvakawanda zvezvikamu uye zvose zvezvikomborero hazvinyatsotsanangurwa zvizere kunze kwekuti iwe ugova nhengo. Chimwe chibatsiro ndechekuti USAA inodzorera chikamu chezvibereko kune nhengo dzayo. Kuvharwa kunopiwa nekuda kwegore rimwe chete nemitemo uye zvisarudzo zvinosanganisira kukanganisa kwomuviri nekukuvadzwa / pfuma kunokanganisa, zvakakwana, kupopotedzana, zvikamu zvetsika nemidziyo, motokari asina uninsured / anosimudzirwa, kurapwa kwezvechiremba nemugwagwa rubatsiro. USAA ine zvikomborero zvizhinji kune nhengo dzayo dzinotenga motokari yishuwarenzi. Zvimwe zvezvikomborero zvinosanganisira mitemo yakasiyana-siyana, mitambo yakawanda, kutengesa kutendeka, kudzivirira kutyaira motokari, mudzidzi akanaka, akanaka mutyairi, motokari itsva yekutengesa uye nguva yakasununguka kubva panguva iyo iwe unotyaira motokari yako yakawanda.
05 Best for Policy Bundling: Varimi
NaVa Farmers Insurance, unogona kuisa motokari yako, kumba, motokari uye kutenga inshuwarisi yehupenyu kubva kune imwe kambani uye kugamuchira tsvina yekuita kudaro. Kana iwe uchitova muchengeti weVarimi veInishuwarenzi, kuwedzera motokisi yemaisipiresi kumapurogiramu ako aripo anonzwisisika. Mukuwedzera kune-multi-policy discount, iwe unogonawo kugamuchira tsvina yeyakagamuchirwa chekuchengetedza, airbags, anti-lock-brakes uye kune unofanirwa kushandiswa kwevatenzi. Nzira dzakasarudzwa dzinosanganisira kukanganisa kwemaipirwo edzimba uye kukuvadzwa kwemuviri, kurwisana, zvakakwana, zvekurapa, zvekuchengetedzwa kwekuchengetedzwa kwekuchengetedza, kushandiswa kwezvimwe zvivako, trailer kutakura kusvika kune $ 7 500, kutora uye mugwagwa rubatsiro, kuparadzaniswa kwekufamba kwekufamba uye kubhadhara mari inoshandiswa kwezvitokisi pasi pemakore maviri akare. Kuwedzera kwemitemo yezvikwereti zvinowanikwa kuti zvifanane neavo auto yako yveshuwarisi.
06 Best for Drivers Safe: Nationwide
Nationalwide Inishuwarenzi ine zvimwe zvakasiyana-siyana zvinotungamirirwa nevatyairi vemotokari vane rekhodi yekufambisa yakachengeteka, kusanganisira iyo inoparara yakasarudzwa inoshandiswa iyo inoderedza mitemo yako inodzingwa ne $ 100 kune gore rose rehupfumi iwe unoti-pasina. Izvo zvisizvo zvinosarudzwa zvinoshandiswa hazvisi izvo chete kune Nationwide; zvisinei, kubhadharwa kwema $ 100 kunopfuura mamwe makambani einishuwarenzi ayo anopa chisarudzo chinoparara chinoshandiswa. Nzira dzakasarudzwa dzinosanganisira pfuma yakaipa uye mutoro wekukuvadza mumuviri, kupesana, zvakakwana, uninsured / motsigiri wemotokari, rubatsiro rwomugwagwa, rubatsiro rwezvemari uye kubvisa uye kubasa. Coverage inowanikwa mu 32 states uye District of Columbia. An OEM endorsement inowanikwa, iyo inofunga kuti motokari yako inogadziriswa uchishandiswa chete yezvigadzirwa zvemagetsi. Maitiro ekugadziriswa kwebasa anovimbiswa chero bedzi uine motokari yako. Zvikwereti zvinosanganisira mitemo yakasiyana-siyana inoshandiswa, mitengo yakawanda yekutengesa, motokari yekuchengetedzwa kwekambani yekutsvaga, Farm Bureau kuderedza (nhengo dzinosvika kusvika 10 muzana), dzakabhadharwa-zvakakwana kutengesa, kutasva kushamwaridzana kushambadzira, kubvisa-kupora kacheka kambani, anti-lock rakaputsika uye rudzi rwepasi rose rinoshandiswa kunotora kusvika kusvika kune mashanu kubva muzana kubva pane yako motokari yero premium.
07 Best for High Risk Drivers: Dairyland
Dairyland Insurance ikambani inobatsira ya Sentry Insurance uye inonyanya kushandiswa kwemairiki motokari yemaitiki kune vagari vemunyika 42. I -SR-22 Inishuwarenzi inowanikwa inowanika kune vanokanganisa zvikuru avo vanoda kuisa mutoro wemari nehurumende yavo. Motorcycle inshuwarheni inowanikwa kune mhando dzakawanda uye marikisi emotokari, kusanganisira mopeds, scooters, Harley-Davidson, Honda, Suzuki, Kawasaki, Yamaha nezvimwe. Nzira dzakasarudzwa dzinosanganisira zvinhu zvinokonzerwa nemuviri wevhu uye mutoro wemumuviri wekukuvadza, kupesana, zvakakwana, tsika dzechikoro motokari, kugoverwa kwevashandi, kuputika kwekufamba, kusavhiringidza kwekufamba, kusavhiringidza kwemotokari usina kuvhudzirwa muviri uye kukuvara kwepfuma. Dhaurirano inowanika pamakwikwi akawanda, varidzi vemba, motokari yekuchengetedza dzidzo uye nhengo yevatasvi veboka. Pane kuora kwepanyama pamwe nekusarudza kunokubvumira kuti motokari yako igadziriswe nemagetsi ekugadzirwa kwezvinhu.
08 Best for Claims Satisfaction: Auto Owners
Chimwe chinhu chikuru iwe unonyatsoda kuda motokisi yveshuwarenzi kubva kuViwe Owners ndiyo iyo inowanikwa mupiro wechipatimendi. Yakagamuchira mupiro wepamusoro wakakosha kubva kuJD Power & Associates kugutsikana kwevanhu kugutsikana muzvikwereti. Mukuwedzera, unogona kutenga motokari yekuvhara mune makumi maviri nemakumi maviri nemaviri nemasarudzo aya: kuremera kwemuviri / kuparadzwa kwemuviri, kukwana, kurwisana, uninsured / mutsigiri wemotokari, kuchengetedzwa kwemunhu oga, kubhadharwa kwechiremba, rubatsiro rwemigwagwa, rubatsiro rwekubhadhara, kubhadhara girazi rakazara uye chikwereti / leasing gap coverage. Zvikwereti zvakasiyana-siyana zvinowanikwa kuti uchengetedze inshuwarisi yako yepamusoro inotengwa, kusanganisira ane ruzivo rwekutengesa kushandiswa, anti-lock brake discount, anti-theft discount, kutarisa bhasikoro kutengesa, nguva yekutengesa, mazano akawanda ekubvisa uye motokari yekuchengetedzwa kwekweshe.