Pemandu Bolehkah Jimat $ 859 setahun dengan Membandingkan Kadar Insurans Kereta
Kenapa kita perlu tahu tentang insurans kenderaan?
Isi kandungan:
Investmentmatome menganalisis kadar di seluruh A.S. dan mendapati bahawa pemandu purata boleh menjimatkan $ 859 setahun dengan membandingkan sebut harga insurans kereta. Jadual di bawah menunjukkan purata kos terendah setiap negeri, kadar median purata berdasarkan formula berwajaran, dan penjimatan potensi kedua-duanya sebagai angka dolar dan peratusan.
Untuk membaca lebih lanjut mengenai penemuan, klik di sini.
| Lokasi | Purata premium minima | Purata purata tertimbang | Simpanan dalam dolar | Simpanan sebagai peratusan |
|---|---|---|---|---|
| Amerika Syarikat | $988 | $1,847 | $859 | 46.50% |
| Alabama | $844 | $1,334 | $490 | 36.70% |
| Alaska | $790 | $1,158 | $368 | 31.80% |
| Arkansas | $1,089 | $1,579 | $490 | 31.00% |
| Arizona | $845 | $1,578 | $733 | 46.50% |
| California | $918 | $1,387 | $469 | 33.80% |
| Colorado | $1,208 | $1,813 | $605 | 33.40% |
| Connecticut | $1,482 | $1,890 | $408 | 21.60% |
| Delaware | $1,297 | $4,401 | $3,104 | 70.50% |
| Florida | $1,032 | $2,158 | $1,126 | 52.20% |
| Georgia | $763 | $1,722 | $959 | 55.70% |
| Hawaii | $606 | $962 | $356 | 37.00% |
| Idaho | $907 | $1,310 | $403 | 30.80% |
| Iowa | $810 | $1,136 | $326 | 28.70% |
| Illinois | $912 | $1,498 | $586 | 39.10% |
| Indiana | $692 | $1,389 | $697 | 50.20% |
| Kansas | $788 | $1,597 | $809 | 50.70% |
| Kentucky | $1,503 | $2,134 | $631 | 29.60% |
| Louisiana | $1,960 | $2,857 | $897 | 31.40% |
| Maine | $780 | $948 | $168 | 17.70% |
| Maryland | $744 | $1,494 | $750 | 50.20% |
| Massachusetts | $842 | $1,430 | $588 | 41.10% |
| Michigan | $2,426 | $6,262 | $3,836 | 61.30% |
| Minnesota | $1,203 | $2,242 | $1,039 | 46.30% |
| Mississippi | $508 | $1,867 | $1,359 | 72.80% |
| Missouri | $1,146 | $1,469 | $323 | 22.00% |
| Montana | $531 | $1,284 | $753 | 58.60% |
| Nebraska | $1,052 | $1,440 | $388 | 26.90% |
| Nevada | $1,076 | $1,621 | $545 | 33.60% |
| New Hampshire | $905 | $1,777 | $872 | 49.10% |
| Jersi baru | $1,293 | $2,009 | $716 | 35.60% |
| Mexico baru | $770 | $1,244 | $474 | 38.10% |
| New York | $1,104 | $1,944 | $840 | 43.20% |
| North Carolina | $882 | $976 | $94 | 9.60% |
| Utara Dakota | $1,277 | $2,016 | $739 | 36.70% |
| Ohio | $614 | $1,343 | $729 | 54.30% |
| Oklahoma | $1,226 | $1,777 | $551 | 31.00% |
| Oregon | $768 | $1,735 | $967 | 55.70% |
| Pennsylvania | $677 | $1,363 | $686 | 50.30% |
| Pulau Rhode | $1,737 | $1,944 | $207 | 10.60% |
| Carolina Selatan | $680 | $1,429 | $749 | 52.40% |
| Dakota Selatan | $964 | $1,564 | $600 | 38.40% |
| Tennessee | $901 | $1,376 | $475 | 34.50% |
| Texas | $913 | $2,679 | $1,766 | 65.90% |
| Utah | $691 | $2,299 | $1,608 | 69.90% |
| Vermont | $791 | $1,355 | $564 | 41.60% |
| Virginia | $692 | $1,240 | $548 | 44.20% |
| Washington | $775 | $1,202 | $427 | 35.50% |
| Washington DC. | $1,122 | $1,607 | $485 | 30.20% |
| Virginia Barat | $919 | $1,471 | $552 | 37.50% |
| Wisconsin | $970 | $1,343 | $373 | 27.80% |
| Wyoming | $1,048 | $1,263 | $215 | 17.00% |
Metodologi
Investmentmatome menganalisis kadar insurans di seluruh negara untuk pelbagai pemandu, kenderaan dan jumlah liputan.
Kami purata petikan insurans kereta untuk lapan profil pemandu: lelaki dan wanita tunggal berumur 27 tahun dan lelaki dan wanita berkahwin berusia 40 tahun masing-masing memandu Toyota Camry dan Ford Escape. Kami mengumpul sampel rawak 1,000 kod ZIP, secara proporsional diedarkan di setiap negeri mengikut populasi. Pemandu berusia 27 tahun itu memetik tuntutan 30/60/25 dan perlindungan motoris yang tidak diinsuranskan yang diperlukan oleh kerajaan. Pemandu berusia 40 tahun itu memetik had liputan liabiliti 100/300/100 dan jumlah perlindungan pemandu yang tidak diinsuranskan. Semua profil mempunyai dedahan yang komprehensif dan perlanggaran sebanyak $ 500.
Semua profil di Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania dan Utah termasuk perlindungan kecederaan peribadi yang diperlukan dari $ 3,000 hingga $ 1 juta, bergantung kepada keperluan negara. Kadar boleh didapati di alat perbandingan insurans kereta tapak kami.
