ʻO kēia nā ʻoihana ʻinikua kaʻa 10 kiʻekiʻe loa ma US ma 2020.

E ʻimi i nā mea ʻinikua kaʻa 10 kiʻekiʻe ma ʻAmelika Hui Pū ʻIa a ʻike i ka mea maikaʻi loa iā ʻoe e hōʻoia i ka pale mau ʻana o kāu kaʻa.

Loaʻa ʻinikua kaʻa Ma ʻAmelika Hui Pū ʻIa, ʻo ia ke kānāwai ma 48 o nā mokuʻāina he 50, no laila ʻaʻohe kaʻa āu e hoʻohana ai a i ʻole ka nui o kāu hoʻohana ʻana, pono paha ʻoe e hōʻoia i kekahi mea.

Inā loaʻa kahi pōʻino, e hāʻawi ke kulekele ʻinikua kaʻa uhi kuleana no ka pale ʻana i ka pōʻino pilikino a i ʻole ka pōʻino waiwai. ʻO nā ʻano ʻinikua kūikawā ʻē aʻe hiki ke uhi i ka poino o kou kaa ponoi no nā kumu like ʻole, ua loaʻa nā lilo olakino ma muli o nā ulia a me nā hanana me nā mea hoʻokele i hōʻoia ʻole ʻia a i ʻole nā ​​​​mea hoʻokele. Hāʻawi kekahi mau ʻoihana ʻinikua kaʻa i nā koho ʻinikua kaʻa piha i hiki ke hoʻohui ʻia me ka ʻinikua hale a i ʻole ke kōkua ʻana i ke alanui. Ma muli o ka 'inikua i loa'a iā'oe, hiki ke loa'a nā palena ho'opi'i a i 'ole ka uhi piha, 'oiai ka nui o nā moku'āina e koi i nā mea ho'okele a pau e loa'a i ho'okahi 'inikua kuleana.

Hiki ke hoʻonui ʻia nā kumukūʻai i uhi ʻia i loko o kahi hōʻaiʻē ʻinikua kaʻa no ka mea hoʻokele kaʻa ʻaʻole i hōʻoia ʻia. ʻO ka loaʻa ʻana o ka uhi piha hiki ke kōkua i ka mālama ʻana i nā kumukūʻai waho o ka ʻeke e pili ana i nā uku hoʻokele kaʻa. E hoʻomanaʻo ʻaʻole e uhi ka uku o kēlā me kēia mahina ma kāu kulekele ʻinikua kaʻa, nā pōʻino i hana ʻia e ke kaʻa ma lalo o ka mana o ka waiʻona a i ʻole nā ​​​​lāʻau lapaʻau a i ʻole nā ​​​​mea hoʻokele i helu ʻole ʻia ma kāu kulekele ʻinikua kaʻa, a me ka pōʻino o ka ʻenekini ma muli o ka aila. leak, e like me .

Aia ma kahi o 300 mau mea ʻinikua kaʻa ma US.., mai ka poe e hana ana ma ka aina a hiki i na hui liilii. No laila, ʻo ka hoʻokaʻawale ʻana i nā koho ʻoihana ʻinikua e hoʻoholo i nā ʻoihana ʻinikua kaʻa maikaʻi loa a hiki ke hoʻoweliweli. Ma lalo mākou e hōʻike nei i kahi papa inoa o nā mea hoʻolako maikaʻi loa o 2020 ma US i hiki iā ʻoe ke loaʻa kahi manaʻo o ka mea e koho ai inā ʻoe e hoʻololi i kāu ʻaelike ma 2021.

1. ʻO Geico

Hoʻomaopopo ka poʻe kālepa Savvy e noho mau ia i kekahi o nā koho ʻinikua kaʻa kaulana loa ma ka ʻāina, akā ʻike nā mea kūʻai aku i ka ʻoihana no ka lawelawe maikaʻi loa a me ke kākoʻo ʻana i hāʻawi ʻia, a me kekahi o nā kumukūʻai ʻinikua liʻiliʻi loa. ʻO 97% ka uku o ka mea kūʻai aku ʻo Geico e ʻōlelo nona iho, e like me kāna papa inoa lōʻihi o nā makana, me ka Kanbay Research Institute's Most Desirable Insurer.

2. ʻO Allstate

ʻO Allstate kekahi o nā hui ʻinikua kaʻa liʻiliʻi i hoʻokomo ʻia ma kēlā me kēia papa inoa ʻoluʻolu o ka mea kūʻai aku o JD Power a ʻo ia ka helu ʻekahi ma Florida. haʻaheo iā ia iho i kona ʻano o nā koho uhi a hāʻawi i kahi ʻano o nā hōʻemi ʻinikua kaʻa, ma muli o kou kūlana, hiki ke hoʻolilo iā ia i ke kumu kūʻai ʻinikua kaʻa i loaʻa i nā mea hoʻokele he nui.

3. holomua

He kanaka nunui i ka honua ʻinikua me ka 18 miliona mau mea kūʻai aku, hiki iā ia ke huki a mālama i nā mea kūʻai aku ʻoluʻolu me ka hoʻomau mau ʻana i ka mālama ʻana i ke kālā o kāna mea kūʻai aku ma nā kumukūʻai ʻinikua kaʻa. ʻO Progressive ka hui ʻinikua kaʻa mua e hāʻawi i nā uku hoʻokele palekana, e hana ana i ka hui i koho maikaʻi loa no ka poʻe me ka ʻike hoʻokele maikaʻi. ʻOiai i kēia lā, ʻo nā mea kūʻai aku e hoʻololi iā Progressive e mālama i ka awelika o $699 i kēlā me kēia makahiki.

4. Inikua nona kaa kaa

ʻAʻole paha i like ka nui o ke kūʻai aku e like me ka hoʻokūkū, akā ʻehia ka nui o lākou e hiki ke ʻōlelo ua kokoke lākou e like me nā kaʻa? Hoʻokumu ʻia i ka makahiki 1916, aia ka hui ma kahi o 3 miliona mau mea hoʻokele kaʻa ma 26 mau mokuʻāina. Hiki i kāu helu JD Power kiʻekiʻe ke noi iā ʻoe e nānā inā loaʻa iā ʻoe ka uhi i kou wahi e noho ai.

5. Palekana

Ma muli o kona lilo ʻana i mea hoʻokaʻa kaʻa helu ʻekahi ma Kaleponi, ke hoʻonui wikiwiki nei ʻo ia i kāna mau hana a puni ka ʻāina (e hana ana ka hui ma 43 mau mokuʻāina). ʻO Esurance, kahi mahele o Allstate, hoʻohiki i nā mea kūʻai aku i ka hoʻololi ʻana a i ʻole ke kākau inoa ʻana i ka ʻinikua kaʻa hiki ke maʻalahi a "ʻeha ʻole" e like me ka ʻōlelo a ka hui.

Ua ʻae nā mea hoʻohana me ka helu ʻana i ka nānā ʻana o nā loiloi ma ka pūnaewele i ka wikiwiki a me ka maʻalahi o ka hoʻopaʻa inoa ʻana ma ka pūnaewele a me ka app Esurance. A inā ʻoe e kāhea ana i nā introverts āpau, ʻaʻole paha ʻoe e kamaʻilio pololei i kahi ʻinikua e hoʻonohonoho.

6. Inikua kūʻokoʻa kūʻokoʻa

Ke hana nei ma ka honua holoʻokoʻa, ʻo ia ka ʻelima ʻoihana ʻinikua nui loa ma ka honua. Eia naʻe, hoʻomaopopo loa ka hui i ka hoʻomaka ʻana o kā lākou ʻoihana me ʻoe a ʻo ka hana mua ma ke ala e loaʻa ai ka waiwai o ka ʻinikua.

Hāʻawi ka hapa nui o nā hui ʻinikua i nā kumukūʻai ʻinikua kaʻa manuahi ma kā lākou pūnaewele, akā hāʻawi ʻo Liberty Mutual i ka uku no ka hoʻohana ʻana i kāu ponoʻī: Hiki iā ʻoe ke mālama i ka 12% ma kāu uku ma ka loaʻa ʻana o nā kumukūʻai kulekele ʻinikua kaʻa ma ka pūnaewele.

7. Inikua Lahui

I loko o 90 mau makahiki o ka hana ʻana me nā mea hoʻokele, ua aʻo ʻo ia i kahi mea a ʻelua paha e pili ana i ka mea e hauʻoli ai nā mea kūʻai aku (a, ʻo ia hoʻi, he aha ka mea e kūʻai aku ai lākou). Hōʻike maopopo ka ʻike a me ka papa inoa waiwai o ka hui i kāu mau mea nui.

ʻO nā helu kiʻekiʻe mai nā kumu like ʻole (e like me AM Best, S&P a me Moody's) manaʻo e hana ana kēia. Hoʻonui kēia mau waiwai i nā limahana: Ua koho ʻia ʻo Nationwide i ka 53rd ma ka papa inoa "100 Best Companies to Work For" hou a Fortune.

8. Inikua Kaahele

Ma waena o nā hoʻolālā he nui i hāʻawi ʻia he kulekele ʻinikua kaʻa hiki iā ʻoe ke hoʻonohonoho pono e kūpono i kāu mau pono. Ma kahi o ka upselling, Hāʻawi nā huakaʻi i nā kumuwaiwai he nui (ma ke ʻano o nā pou blog) i hoʻolālā ʻia e aʻo i nā mea hoʻokele ma mua o ke kūʻai ʻana i kahi kulekele. He mea kūʻai hauʻoli ka mea kūʻai aku ʻike.

9. I ka palekana

ʻO Safeco, he mahele o ka Liberty Mutual i hoʻokumu ʻia ma Seattle, aia i loko o ka ʻinikua kaʻa no 85 mau makahiki a ua noho ʻia ma ka ʻāina no ʻelua mau makahiki. nā hoa pili me nā ʻelele kūloko e hiki ke hāʻawi i ka manawa a me ka nānā ʻana o nā mea kūʻai aku pono e pane i kā lākou mau nīnau pilikino kaʻa a hoʻokō i kā lākou noi.

10.USAA

Inā mākou e hoʻokolokolo wale ma ka ʻoluʻolu, ʻo ka US Automotive Services Association ka mea mua. ʻO ka mea e pili ana i ka hoʻohālikelike ʻana, ʻoi aku ka palena o ka palena ma mua o ka hapa nui o nā mea hoʻokele kaʻa ʻē aʻe, no ka mea, hāʻawi wale ka ʻoihana i ka ʻinikua i nā lālā o ka pūʻali koa, nā mea kahiko, a me ko lākou mau ʻohana. Eia naʻe, hāʻawi ʻo USAA i nā kumukūʻai ʻinikua kaʻa liʻiliʻi loa e lanakila ana iā Geico, me nā mea kūʻai aku e mālama i ka awelika o $707 i kēlā me kēia makahiki.

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