Lezi bekuyizinkampani eziphezulu zomshwalense wezimoto eziyi-10 e-US ngo-2020.

Phequlula imishwalense yezimoto ephezulu eyi-10 e-United States futhi uthole ukuthi iyiphi engcono kakhulu kuwe ukuze uqinisekise ukuthi imoto yakho ihlezi ivikelekile.

Ngabe umshwalense wemoto E-United States, umthetho ezifundazweni ezingu-48 kwezingu-50, ngakho-ke kungakhathaliseki ukuthi iyiphi imoto onayo noma ukuthi uyisebenzisa kaningi kangakanani, kungenzeka ukuthi uzodinga ukuqinisekisa okuthile.

Uma kwenzeka ingozi, umshwalense wezimoto uzohlinzeka ukufakwa kwesikweletu ukuvikela ekulimaleni komuntu noma ekulimaleni kwempahla. Ezinye izinhlobo zomshuwalense okhethekile ingavala umonakalo wemoto yakho ngenxa yezizathu ezehlukene, izindleko zokwelashwa ezenzeke ngenxa yezingozi kanye nezigameko zabashayeli abangenawo umshwalense noma abangenawo umshwalense omncane. Ezinye izinkampani zomshwalense wezimoto zize zinikeze izinketho zomshwalense wezimoto eziphelele ezingahlanganiswa nomshwalense wabanikazi bezindlu noma zihlanganisa nosizo lomgwaqo. Ngokuya ngomshwalense owutholayo, ungase ube nemikhawulo yokukhava noma ukufakwa ngokugcwele, nakuba izifundazwe eziningi zidinga ukuthi bonke abashayeli babe nomshwalense okungenani owodwa wesikweletu.

Izindleko ezifakwe kumshwalense wezimoto zingase zikhuphuke kumshayeli ongagunyaziwe noma ongenawo umshwalense omncane. Ukuba nekhava egcwele kungasiza ukulawula izindleko eziphuma ephaketheni ezihlobene namaphrimiyamu omshwalense wemoto. Khumbula ukuthi inkokhelo yanyanga zonke kumshwalense wakho wezimoto ngokuvamile ayikubandakanyi ukuguga nokukhala kwemoto, umonakalo obangelwa ukushayela uphuze utshwala noma izidakamizwa noma abashayeli abangafakwanga ohlwini lomshwalense wakho wezimoto, kanye nokulimala kwenjini okubangelwa uwoyela. ukuvuza, njenge.

Kukhona abahlinzeki bomshwalense wezimoto abalinganiselwa ku-300 e-US.., kusukela kulawo asebenza kuzwelonke kuya ezinkampanini ezincane. Ngakho-ke, ukuhlunga ngezinketho zenkampani yomshwalense ukuze uthole izinkampani zomshwalense wezimoto ezihamba phambili namadili kungase kusabisa. Ngezansi sethula uhlu lwezinkampani zomshwalense ezihamba phambili zango-2020 e-USA ukuze ube nombono wokuthi iyiphi ongayikhetha uma uzovuselela inkontileka yakho ngo-2021.

1. I-Geico

Abathengisi be-Savvy baqinisekisa ukuthi ihlala ingenye yezinketho zomshwalense wezimoto ezaziwa kakhulu ezweni, kodwa amakhasimende ayo ayazi inkampani ngesevisi enhle kakhulu nokusekelwa ekunikezayo, kanye nezintengo zomshwalense ezishibhe kakhulu. Izinga lokwaneliseka kwamakhasimende lika-Geico elingu-97% liyazikhulumela, kanjalo nohlu lwayo olude lwemiklomelo, okuhlanganisa Umshwalense Ofiseleka Kakhulu We-Kanbay Research Institute.

I-2. I-allstate

I-Allstate yayingenye yezinkampani ezimbalwa zomshwalense wezimoto ezifakwe ohlwini ngalunye lokwaneliseka kwamakhasimende esifunda se-JD Power futhi yayiyinombolo yokuqala eFlorida. iyaziqhenya ngezinhlobonhlobo zezinketho zayo zokuhlanganisa futhi inikeza izaphulelo eziningi zomshwalense wezimoto, kuye ngezimo zakho, ezingayenza ibe umshwalense wezimoto ongabizi kakhulu otholakala kubashayeli abaningi.

3. okuqhubekayo

Umdondoshiya emhlabeni womshwalense onamakhasimende angaphezu kwezigidi ezingu-18, iyakwazi ukuheha nokugcina amakhasimende amaningi anelisekile ngokuzibophezela okuqhubekayo ukonga amakhasimende ayo imali ngamanani omshwalense wezimoto. I-Progressive kwakuyinkampani yokuqala yomshuwalense wezimoto ukunikeza izaphulelo zokushayela okuphephile, okwenza kube inketho enhle kubantu abanolwazi oluhle lokushayela. Ngisho nanamuhla, amakhasimende ashintshela ku-Progressive onga isilinganiso esingu-$699 ngonyaka.

4. Umshwalense wabanikazi bemoto

Ingase ingabi nawo umkhakha wokumaketha njengomncintiswano, kodwa bangaki kubo ongathi sekunesikhathi eside ikhona njengezimoto? Yasungulwa ngo-1916, inkampani inabashwalensi bezimoto abacishe babe yizigidi ezi-3 ezifundazweni ezingama-26. Isilinganiso sakho samandla e-JD esiphezulu singase sikucele ukuthi uhlole ukuthi unayo yini indawo lapho uhlala khona.

5. Ezokuphepha

Njengoba isibe ngumshwalense wokuqala wezimoto eCalifornia, yandisa ngokushesha ukusebenza kwayo ezweni lonke (inkampani isebenza ezifundeni ezingama-43). I-Esurance, ingxenye ye-Allstate, ithembisa amakhasimende ukuthi ukushintshela noma ukubhalisa kumshwalense wezimoto kungaba lula noma "kungabi nabuhlungu," njengoba isho inkampani.

Abasebenzisi bayavumelana nesilinganiso njengoba ukubuyekezwa kuwebhusayithi kudonsela ukunaka kokuthi kushesha futhi kulula kangakanani ukubhalisa ku-inthanethi nangohlelo lokusebenza lwe-Esurance. Futhi uma ushayela wonke ama-introverts, cishe ngeke kudingeke ukuthi ukhulume ngokuqondile ne-ejenti yomshwalense ukuze usethe.

6. Umshwalense wenkululeko

Isebenza emhlabeni wonke, iyinkampani yomshwalense yesihlanu ngobukhulu emhlabeni. Kodwa-ke, inkampani ikwenza kucace ukuthi ibhizinisi labo liqala ngawe futhi isinyathelo sokuqala endleleni ukuthola inani lomshwalense.

Izinkampani eziningi zomshwalense zinikeza amanani omshwalense wezimoto mahhala kumawebhusayithi azo, kodwa i-Liberty Mutual inikeza isaphulelo uma usebenzisa eyakho: ungonga kufika ku-12% ngenani lakho ngokuthola amanani omshwalense wezimoto ku-inthanethi.

7. Umshwalense Wezwe Lonke

Eminyakeni engaphezu kwengu-90 esebenza nabashayeli, uye wafunda okuthile noma ezimbili mayelana nokuthi yini eyenza amakhasimende ajabule (futhi, ngokulandelayo, yini ewenza amakhasimende). Umbono wenkampani kanye nohlu lwamanani lukhombisa ngokusobala izinto eziza kuqala kuwe.

Izilinganiso eziphakeme ezivela emithonjeni ehlukahlukene (efana ne-AM Best, S&P ne-Moody's) ziphakamisa ukuthi lokhu kuyasebenza. Lawa manani andela kubasebenzi: Ezweni lonke wayekleliswe endaweni yama-53 ohlwini lwakamuva lwe-Fortune "Izinkampani Ezingcono Kakhulu Ezizosebenzela" ze-Fortune.

8. Umshwalense Wokuhamba

Phakathi kwezinhlelo eziningi ezinikelayo wumshwalense wemoto ongakwazi ukuwushintsha ukuze uhambisane nezidingo zakho. Esikhundleni sokuthengisa, Abahambi banikeza izinsiza eziningi (ngesimo sokuthunyelwe kwebhulogi) eziklanyelwe ukufundisa abashayeli ngaphambi kokuthenga inqubomgomo. Ikhasimende elinolwazi liyikhasimende elijabule.

9. Esisefeni

I-Safeco, ingxenye ye-Seattle-based Liberty Mutual, isineminyaka engaphezu kwengu-85 ikumshuwalense wezimoto futhi ikhona kuzwelonke iminyaka engaphezu kwamashumi amabili. ozakwethu nabasebenzeli bendawo abanganikeza isikhathi nokunaka amakhasimende akudingayo ukuze aphendule yonke imibuzo yawo ngayinye yomshwalense wezimoto futhi afeze izicelo zawo.

10. I-USAA

Uma sahlulela ngokwaneliseka kuphela, i-US Automotive Services Association izothatha indawo yokuqala. Okuthinta ukuhlukaniswa ukuthi kulinganiselwe kakhulu kunezinye izinkampani zomshuwalense wezimoto, njengoba inkampani inikeza umshwalense kumalungu ezempi, omakadebona, kanye nemindeni yabo. Kodwa-ke, i-USAA inikeza amanani omshwalense wezimoto ashibhe kakhulu aze ahlula i-Geico, amakhasimende onga isilinganiso esingu-$707 ngonyaka.

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