Inshuwaransi yagalimoto yotsika mtengo kwa woyendetsa galimoto wazaka 18

Malipiro apakati pa ola limodzi anali $25.89, poyerekeza ndi $25.27 chaka chatha, malinga ndi Bureau of Labor Statistics. Mtengo wapachaka wa inshuwaransi yamagalimoto pa sedan unali $1,222 mu 2015, zomwe zikutanthauza kuti wogwira ntchito wamba amatha kugula inshuwaransi yagalimoto yachaka atagwira ntchito pafupifupi maola 47.

Komabe, wachinyamata wamba amapeza ndalama zochepa kwambiri kuposa malipiro a ola lililonse. Malipiro ochepera apakati m'boma kuyambira Julayi 2015 anali $7.92 pa ola limodzi. Achinyamata amalipira ndalama zambiri pa inshuwalansi chifukwa amaonedwa kuti ndi owopsa kuposa oyendetsa galimoto odziwa zambiri. Mtengo wapakati wandalama zoyambira pachaka zinali $841, kutengera mitengo yomwe amalandila kuchokera kumakampani a inshuwaransi yamagalimoto adziko lonse. Paziwerengerozi, maola 106 akugwira ntchito amafunikira chaka chimodzi cha National Minimum Liability Insurance.

Galimoto yotsika mtengo ikadali yotsika mtengo kwa anthu 4 miliyoni kapena ku America omwe amagwira ntchito kuti alandire malipiro ochepa. Koma zimabweretsa vuto lalikulu kwa madalaivala achichepere ku Rhode Island ndi New Hampshire pomwe amagwira ntchito pafupifupi katatu ngati anzawo aku Illinois kugula inshuwaransi yolipirira yomwe imakwaniritsa zofunikira za boma, malinga ndi kusanthula kwa CarInsurance.com.

Malipiro onse ndi mitengo ya inshuwaransi yamagalimoto imatha kusiyana kwambiri, kotero kukwanitsa kunawerengedwa poyerekeza mtengo wocheperako wa inshuwaransi yamagalimoto ndi malipiro ochepa m'boma lililonse. Madalaivala achichepere amakhudzidwa kwambiri ku Rhode Island ndi New Hampshire, ndi inshuwaransi yotsika mtengo kwambiri yomwe imatenga maola 174 kugula. Dalaivala wachinyamata amapeza inshuwaransi yotsika mtengo kwambiri ku Illinois - zimangogwira ntchito maola 56 kwa chaka chimodzi cha inshuwaransi.

Mtengo wa inshuwaransi yagalimoto kwa ana azaka 18

Mayiko amawerengedwa ndi kuchuluka kwa maola omwe amatengera kuti agule chithandizo, poyerekeza ndi inshuwaransi yawo yotsika mtengo yagalimoto ya ana azaka 18 ndi malipiro awo ochepa.

Mitengo imayerekezedwa pogwiritsa ntchito zip code yotsika mtengo ya boma kwa dalaivala wachinyamata yemwe ali ndi mbiri yabwino, mbiri yabwino yangongole, ndi inshuwaransi ya makolo am'mbuyomu. Dalaivala wamba ali ndi zaka 18, wamwamuna, ndipo ali ndi galimoto yomwe imawoneka ngati Ford Taurus ya 1997. Izi sizolondola kwa wazaka 18 aliyense, koma zimapereka lingaliro labwino la zovuta zachuma zomwe achinyamata omwe amadalira galimoto yawo kupita kusukulu kapena kuntchito.

Kodi mwana wazaka 18 amalipira chiyani pazambiri za boma
Udindo	dera	Zip code	Mtengo wapachaka wa ngongole	Malipiro ochepa	Maola ogula
1	Illinois	61761	$459	$8.25	56
2	North Carolina	28778	$419	$7.25	58
3	Iowa	50010	$419	$7.25	58
4	Nevada	89427	$492	$8.25	60
5	Missouri	65101	$458	$7.65	60
6	Indiana	47905	$462	$7.25	64
7	California	93441	$602	$9.00	67
8	New Mexico	88310	$557	$7.50	74
9	New York	14580	$669	$8.75	76
10	Montana	59602	$625	$8.05	78
11	Connecticut	06498	$728	$9.15	80
12	Nebraska	68504	$662	$8.00	83
13	Pennsylvania	16823	$611	$7.25	84
14	Washington	99163	$795	$9.47	84
15	Kansas	67401	$625	$7.25	86
16	Vermont	05446	$826	$9.15	90
17	Florida	32669	$755	$8.05	94
18	Mississippi	39759	$688	$7.25	95
19	Tennessee	37686	$721	$7.25	99
20	Wisconsin	53081	$727	$7.25	100
21	Arizona	86426	$805	$7.25	100
22	Arkansas	72768	$751	$7.50	100
23	Wyoming	82007	$732	$7.25	101
24	Alabama	36543	$759	$7.25	105
25	Georgia	31601	$763	$7.25	105
26	Virginia	22652	$787	$7.25	109
27	Idaho	83712	$791	$7.25	109
28	Texas	76306	$802	$7.25	111
29	Colado	80525	$916	$8.23	111
30	Louisiana	71021	$811	$7.25	112
31	Oregon	97330	$1,060	$9.25	115
32	Utah	84772	$848	$7.25	117
33	Minnesota	56003	$939	$8.00	117
34	Maryland	21780	$1,049	$8.25	127
35	South Carolina	29692	$943	$7.25	130
36	Maine	04105	$1,039	$7.50	139
37	Oklahoma	74003	$1,019	$7.25	141
38	Michigan	49866	$1,204	$8.15	148
39	Delaware	19939	$1,327	$8.25	161
40	Ohio	44833	$1,330	$8.10	164
41	Kentucky	41075	$1,227	$7.25	169
42	West Virginia	25427	$1,370	$8.00	171
43	New Jersey	07933	$1,446	$8.38	173
44	New Hampshire	03303	$1,261	$7.25	174
45	Chilumba cha Rhode	02842	$1,569	$9.00	174
*	Alaska	99829	$8.75
*	Hawaii	96722	$7.75
*	Massachusetts	02158	$9.00
*	North Dakota	58285	$7.25
*	North Dakota	57069	$8.50
*	Washington DC	20006	$10.50
pafupifupi dziko lonse	$841	$7.92	106
*Zidziwitso sizipezeka kapena sizikupezeka panthawi yofalitsidwa Zonse zatengedwa kuchokera ku http://www.carinsurance.com/state/Illinois-car-insurance.aspx

Kodi inshuwaransi yagalimoto yotsika mtengo ikupezeka kwa madalaivala achichepere?

Zolemba za inshuwaransi za C zimakhudzana kwambiri ndi dalaivala kuposa ndi galimoto komanso kuwopsa komwe akuyimira. Nazi zinthu zofunika zomwe makampani a inshuwaransi amalingalira asanakupatseni quote:

• Mbiri yanu yoyendetsa galimoto: Kuphwanya kopitilira kamodzi kapena ngozi kumawonjezera mtengo wa inshuwaransi.

• Ngongole yanu: Ngati ili yotsika, mumatengedwa kuti ndinu owopsa kwambiri ndipo mumalipidwa kwambiri m'maboma ambiri.

• Makilomita anu: Mukangoyendetsa pang'ono, mumakhala ndi chiopsezo chochepa chogunda munthu.

• Mbiri Yanu ya Inshuwaransi: Ngati mutalola kuti ndondomeko yanu iwonongeke, ngakhale kwa masiku ochepa, mudzalipira zambiri.

• Galimoto Yanu: Ngati galimoto yanu ili ndi chiwongola dzanja chokwera kwambiri kuposa ena ambiri, ziwongola dzanja zanu zikuwonetsa ngoziyi.

Kumbukirani kuti palibe makampani awiri a inshuwaransi omwe amapereka mitengo yofanana, ndipo ngakhale malamulo omwe ali ndi ndalama zochepa za inshuwaransi ya dziko akhoza kusiyana ndi mazana a madola pachaka. Kaya ndinu kholo kapena wachinyamata, ndi bwino kuti mufufuze ndi kuyerekeza zopereka za inshuwalansi kuti zikuthandizeni kusankha bwino.

Nkhaniyi yasinthidwa ndi chilolezo cha carinsurance.com: http://www.carinsurance.com/Articles/10-factors-that-affect-your-car-insurance-rates.aspx.