Uluhlu lweenkampani zeinshurensi ezizenzekelayo yindawo elungileyo yokuqala uphando lwakho kubanikezeli ngeinshurensi yemoto. Qiniseka ukuba ujonga ukulinganiswa kwenkampani ngaphambi kokuba wenze isigqibo sokugqibela malunga nenkampani oza kuyisebenzisa ukuthenga i-inshurensi yemoto.
kutheni ungafanele unikele ngendlela emanyeneyo
Jonga ngaphaya kweXabiso
Ukuthenga i-inshurensi yemoto kunokuba ngumsebenzi onzima. Kukho ukhetho oluninzi lweenkampani zeinshurensi, ukhetho lokuthenga kunye nokukhetha ukugubungela, zonke zinamaxabiso ahlukeneyo. Umzekelo:
- Ukukhetha inkampani -Iinkampani ezingaphezu kwama-2500 zibonelela nge-inshurensi yemoto eUnited States. Ayizizo zonke iinkampani ezinokubonelela ngezicwangciso zazo kuwo onke amazwe.
- Iinketho zokuthenga -Izinye iinkampani zeinshurensi zithengisa i-inshurensi yemoto ngokusebenzisa iiarhente ezizimeleyo kwaye abanye bathengisa ngokuthe ngqo kwiiarhente zabo, ngefowuni, ngeposi nange-intanethi.
- Izinketho zokufunda -Iinkampani ezininzi zeinshurensi zibonelela ngeendlela ezifanayo zeinshurensi; Nangona kunjalo, inani lokugubungela kunye neenkcukacha zokugubungela zingohluka phakathi kwemigaqo-nkqubo.
- Amanqaku amaxabiso -Ixabiso lokwenyani lohlobo oluthile lweinshurensi luyahluka phakathi kweenkampani zeinshurensi kwaye, enyanisweni, zinokwahluka phakathi kwabaninimgaqo-nkqubo abathenga i-inshurensi kwinkampani yeinshurensi efanayo.
- Iingcebiso ngabasetyhini abathenga iimoto ezisetyenzisiweyo
- IiNkampani ze-Inshurensi eziKhaya eziGqityiweyo
- Iingcebiso zokufumana i-Inshurensi yeMoto yaBafikisayo
Kuya kufuneka uthelekise ukulinganiswa kweenkampani zeinshurensi. Ngokwenza olu thelekiso uyakuyazi indlela abanye abantu beinshurensi abavakalelwa ngayo ngenkonzo yenkampani nokuba ingaba inkampani inawo na amandla emali okuhlawula ibango lakho.
Ukulinganiswa kwe-inshurensi ngokuzenzekelayo
Ukulinganiswa kwemali kwiinkampani ezizimeleyo ezinje nge-AM Eyona nto iphambili kunye neMigangatho kunye namahlwempu ngumlinganiso opheleleyo wamandla enkampani. Ukulinganiswa kuchazwa njengamabakala eeleta. La manqanaba ezemali luphawu olukhulu lokuthengisa ukuze inkampani ihlala ibonisa amanqaku abo kwimpahla yabo yokuthengisa.
I-JD Power, inkampani yophando ezimeleyo, ilungiselela amanqaku okuoneliseka kwabathengi ngokusekwe kuphando abalunika abathengi beinshurensi. La manqanaba anokubonelela ngengcaciso yokugubungela, ukuphatha amabango kunye namava ngokubanzi ngabathengi xa bejongana nenkampani ethile yeinshurensi.
A. M. Eyona ilungileyo
AM Elona zinga liphezulu lokufumana amanqaku aphuma ku-A ++ ukuya ku-D. Ezinye iingcali zikholelwa ukuba kuya kufuneka uthenge i-inshurensi kuphela kwinkampani yeinshurensi enomgangatho weB + okanye ngaphezulu. Nantsi indlela yokulinganisa ukubekwa phezulu:
- A ++ kunye no-A + - Ngaphezulu
- A kunye no-A-
- B ++ kunye B + - Kulungile
- B kunye no-B- -Lungile
- C ++ kunye no-C + -i-Marginal
- C no-C- -buthathaka
- D - Imbi
Umgangatho kunye namahlwempu
Amanqanaba emigangatho kunye namahlwempu avela kwiAAA ukuya kwiCC. Iingcali zeinshurensi zihlala zincoma ukuba usebenze kuphela nenkampani yeinshurensi ukuba inenqanaba leBBB okanye elingcono. Nantsi indlela imigangatho kunye namahlwempu achaza ngayo amanqaku abo:
- I-AAA-Yomelele kakhulu
- AA-Yomelele kakhulu
- A - Yomelele
- BBB - Kulungile
- BB-Amagqabantshintshi
- B - Ubuthathaka
- CCC-Ubuthathaka kakhulu
- CC-Ubuthathaka kakhulu
JD Amandla
I-JD Power iqhuba uphando oluqhubekayo lwabathengi kubathengi beinshurensi. Imibuzo ebuzwe ngolwazi lophando malunga:
- Iindidi zokugubungela ezinikiweyo
- Ixabiso
- Ukuphathwa kwamabango
- Inkonzo evela kubameli beenkampani
Iziphumo zipapashwa kwi-Intanethi nakwi- uphando lonyaka . Iinkampani zeinshurensi ezifumana amanqaku aphezulu kwiJD Power zihlala zibonelela ngolwazi lwazo lokulinganisa kwizixhobo zabo zokuthengisa.
Uluhlu lweeNkampani ze-Inshurensi eziZenzekelayo
Iinkampani ezinkulu zeinshurensi ezithengisa i-inshurensi yemoto eUnited States zibandakanya, kodwa azikhawulelwanga:
- Inkulungwane yama-21
- Yonke
- Intsapho yaseMelika
- Ipropathi yeSizwe yaseMelika kunye noThintelo
- Umhlobo
- I-inshurensi yeAAA Auto
- Abanini bezixhobo ezizenzekelayo
- Umbutho weCalifornia State Automobile Association
- Ezezimali Zelizwe
- I-Inshurensi yeMoto yase-Eastwood
- Encompass
- UErie
- Isiqinisekiso
- Amafama
- IGEICO
- I-Inshurensi Ngokuzenzekelayo
- IHanver
- Hartford
- Inkululeko
- Imercury
- MetLife
- Jikelele weSizwe
- Kuzwelonke
- Ukuqhubela phambili
- I-inshurensi ekhuselekileyo
- Safeco
- Umthunywa
- Ifama yaseburhulumenteni
- Abahambi
- I-inshurensi yase-USAA
- I-inshurensi yeNtshona Auto
Uluhlu lweLizwe lunokuhluka
Ayizizo zonke iinkampani zeinshurensi ezinokuthengisa kuwo onke amazwe angamashumi amahlanu. Ezinye iinkampani zingathengisa iintlobo ezithile zeinshurensi kodwa hayi ezinye iintlobo. Umzekelo, inkampani inokuba nelayisensi yokuthengisa i-inshurensi yobomi kodwa ingeyiyo i-inshurensi yemoto. Ungaqhagamshelana nesebe le-inshurensi yakho yelizwe ukufumana uluhlu lweenkampani zeinshurensi ezizenzekelayo ezinelayisensi yokuthengisa kwilizwe lakho.
