Yuav ua li cas txuag nyiaj ntawm kev tuav pov hwm tsheb
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Zoo li qe, xa ntawv thiab noj mov tawm, cov nqi kho mob pib tau nce siab hauv 2023. Raws li cov ntaub ntawv los ntawm Bankrate tus nqi txhua xyoo ntawm Kev Pov Hwm Tsheb Tsheb. daim ntawv qhia, tus nqi them tag nrho ntawm kev tuav pov hwm tsheb yog $ 2,014 toj ib xyoo, nce ntawm $ 1,771 hauv 2022 - nce 13.72%. "Peb cia siab tias cov nqi yuav nce ntxiv hauv 2023. Cov nqi them nyiaj pov hwm tsheb tag nrho tau nce vim yog ib feem ntawm kev nce nqi, cov khoom lag luam cuam tshuam thiab kev ua haujlwm tsis txaus. Cov xwm txheej no txhua tus ntawm tus kheej nce tus nqi ntawm kev thov thiab thaum sib xyaw ua ke, tsav tus nqi kho lossis hloov tsheb loj, "hais tias Bankrate tus kws tshuaj ntsuam Cate Deventer.
Koj tus kheej tej zaum yuav tau pom tias tus nqi ntawm koj daim ntawv pov hwm tsheb nce siab, thiab cov kws tshaj lij hais tias nws ntse mus kav khw vim tias cov nqi them tuaj yeem sib txawv me ntsis. Tseeb tiag, yog tias koj tsis kam mus yuav khoom, "koj tuaj yeem siv ntau pua daus las ntau dua ib xyoos ntawm kev tuav pov hwm tsheb dua li koj xav tau tshwj tsis yog tias koj tau txais ob peb nqe lus. Kev them nyiaj ntau tsis tas txhais tau tias koj tau txais cov khoom lag luam zoo dua, "hais tias Michael Orefice, SVP ntawm kev ua haujlwm ntawm SmartFinancial. Qhov tseeb, WalletHub qhia tias cov neeg tsav tsheb yuav txuag tau ntawm 10% thiab 20% ntawm lawv cov nqi them los ntawm kev hloov cov nqa khoom.
Rau nws feem, Scott Holeman ntawm Insurance Information Institute, kuj hais tias yuav khoom ib puag ncig yog qhov tseem ceeb. Nws sau tseg tias koj yuav tsum tshuaj xyuas koj qhov kev pab cuam txhua xyoo "thaum lub sijhawm rov ua dua tshiab kom paub tseeb tias koj qhov kev pov hwm them nqi kho mob tau ua raws li koj cov kev xav tau. Tau txais tsawg kawg peb nqe lus los ntawm cov tuam txhab pov hwm sib txawv thiab ntau hom tuam txhab pov hwm, uas yog, cov muag los ntawm lawv tus kheej cov neeg sawv cev, cov muag los ntawm cov neeg sawv cev ywj pheej thiab cov uas muag ncaj qha rau cov neeg siv khoom hauv xov tooj, app lossis hauv internet, ”nws hais.
Lwm yam uas yuav tsum nco ntsoov yog tias tsis yog txhua lub tuam txhab siv tib cov ntaub ntawv rau kev sau ntawv. “Ib txhia coj keeb kwm credit rau hauv tus account thaum lwm tus yog tag nrho hais txog kev tsav tsheb keeb kwm thiab qhov ntawd yog nws. Qhov no yog vim li cas koj thiaj li yuav tsum tau mus kav khw nrog ntau lub tuam txhab ntau li ntau tau kom koj muaj ntau txoj kev xaiv raws li qhov ua tau, "hais tias Michael Giusti, kws tshuaj ntsuam ntawm InsuranceQuotes.com. Nws tseem ceeb heev kom paub tseeb tias koj tab tom sib piv txhua yam txiv apples-rau-apples. Giusti hais tias "Tsis txhob saib ib lub tuam txhab thov rau ib qho kev pab cuam thiab muab piv rau lwm qhov nrog cov kev txwv sib txawv," Giusti hais.
Ua ntej pib qhov kev tshawb nrhiav rau txoj cai pov hwm tsim nyog, Giusti hais tias koj yuav tsum muaj lub tswv yim meej ntawm qhov koj tab tom nrhiav. "Ua ib daim ntawv teev cov kev xav tau thiab kev xav tau. Koj puas xav tau kev pabcuam tag nrho? Koj puas tuaj yeem nyob yam tsis muaj kev qhia? Yog tias koj tsis paub meej tias qhov ntawd txhais li cas, pib los ntawm kev tham nrog tus neeg sawv cev thiab nkag siab tias yuav muaj kev cuam tshuam dab tsi, "Giusti hais.
Cov kws tshaj lij kuj pom zoo kom nug cov phooj ywg thiab cov txheeb ze rau lawv cov lus pom zoo thiab tshawb xyuas lub tuam txhab ua ntej cog lus. “Nug cov lus nug thiab xyuas kom koj muaj kev nkag siab zoo txog yam koj yuav. Txhua tus uas koj hais nrog yuav tsum tuaj yeem teb cov lus nug kom koj txaus siab. Nco ntsoov, cov no yog cov neeg koj yuav vam khom yog tias qhov phem tshaj plaws tshwm sim thiab koj yuav tsum tau thov, "hais tias Holeman.
Thiab nws tsis yog hais txog tus nqi xwb. “Qhov kev pom zoo tsis tas yuav nqes mus rau tus nqi ntawm koj tus nqi them. Nws kuj tseem hais txog kev ua kom koj tau txais cov kev pab them nqi uas koj xav tau yog li koj tsis tshuav nrog daim nqi loj yog tias muaj qee yam tshwm sim. Tsis muaj kev pab them nqi txaus tuaj yeem ua rau koj lub luag haujlwm them ntau txhiab daus las lossis ntau tshaj tawm hauv hnab tshos thaum muaj xwm txheej, yog li xyuas kom koj saib cov ntawv zoo kom paub tseeb tias koj tau txais dab tsi, "Rachel hais. Brennan, kws muaj ntawv tso cai khoom vaj khoom tsev thiab kev pov hwm tus neeg raug mob ntawm Policygenius. Qhov no coj tuaj yeem pab koj txheeb xyuas seb koj xav tau kev tuav pov hwm ntau npaum li cas.
Yam dab tsi tuaj yeem cuam tshuam qhov kuv them rau kev pov hwm?
Koj nyob qhov twg thiab hom tsav tsheb ntawm koj txoj cai tseem qhia tau tias koj yuav them ntau npaum li cas. Ntxiv cov tub ntxhais hluas tsav tsheb rau txoj cai tuaj yeem yog lub neej kim tshaj plaws rau cov neeg siv kev tuav pov hwm tsheb, tsav tsheb pov hwm qhov nruab nrab ntawm 14%, daim ntawv tshaj tawm Bankrate tau tshaj tawm. Daim ntawv tshaj tawm kuj qhia tau hais tias cov neeg tsav tsheb hauv Miami, Tampa, Detroit, Orlando thiab Los Angeles yog cov tsheb loj tshaj plaws rau cov nqi kho mob pib. Ntawm qhov kawg ntawm lub spectrum, Charlotte, Portland, Washington DC, Seattle thiab Boston yog qhov tsawg tshaj plaws metro.
Lwm yam kev txiav txim siab txog tus nqi ntawm cov kev pab cuam suav nrog tau txais daim pib nrawm, koom nrog hauv tsheb sib tsoo, muaj kev poob qis hauv kev tuav pov hwm tsheb thiab raug txim ntawm DUI. "Yog tias koj tau raug cuam tshuam los ntawm tus nqi nce, koj tuaj yeem xav xav txog kev yuav khoom nrog lwm tus neeg nqa khoom, noj kom zoo dua ntawm kev txo nqi thiab tswj tus cwj pwm tsav tsheb nyab xeeb," Deventer hais.
Kuv yuav them tsawg dua rau kev tuav pov hwm tsheb li cas - tsuas yog mus yuav khoom?
Txhawm rau pib, cov neeg tsav tsheb tsawg heev thiab cov neeg nyob hauv qee txoj haujlwm yuav tau txais kev txo nqi ntawm kev tuav pov hwm tsheb. "Cov nyiaj pov hwm tsheb siab tshaj plaws raws li kev tshaj lij mus rau cov kws qhia ntawv thiab cov hauv kev kawm, cov kws saib xyuas neeg mob, kws kho mob thiab lwm tus kws kho mob, tub ceev xwm thiab cov neeg tshawb nrhiav, engineers, cov neeg ua liaj ua teb thiab cov neeg ua liaj ua teb, kws lij choj thiab tub rog thiab lawv tsev neeg," hais tias Orefice . Ntawm no yog 21 txoj hauv kev kom txuag tau ntawm kev tuav pov hwm tsheb.
Koj tuaj yeem txo koj cov nqi los ntawm kev kawm kev tsav tsheb tiv thaiv yog tias koj muaj xwm txheej lossis kev ua txhaum cai hauv koj cov ntaub ntawv. "Ib chav kawm yuav txo cov ntsiab lus ntawm koj daim ntawv tso cai thiab coj koj los ze zog rau koj tus nqi zoo tshaj," Orefice ntxiv.
Lwm qhov kev xaiv rau kev txuag nyiaj? Tsa koj qhov kev txiav tawm thiab txo cov kev pov hwm xaiv tau ntawm cov tsheb qub. "Los ntawm kev xaiv qhov kev txiav tawm ntau dua ntawm koj cov ntawv pov hwm, koj tuaj yeem txo koj cov nqi them nqi kho mob ntau. Thiab raws li txoj cai ntawm tus ntiv tes xoo, yog tias koj lub tsheb qub tsim nyog tsawg dua 10 npaug ntawm tus nqi pov hwm, muaj kev sib tsoo thiab / lossis kev pab them nqi tag nrho yuav tsis raug nqi. Txhawm rau paub seb qhov no puas muaj tseeb rau koj, txheeb xyuas tus nqi ntawm koj lub tsheb siv qhov chaw xws li Kelley Blue Book, National Association of Auto Dealers (NADA) thiab TrueCar, "hais tias Janet Ruiz, tus thawj coj ntawm kev sib txuas lus ntawm Insurance Information Institute.
Peb qhov kev ua yuam kev loj tshaj plaws uas yuav ua rau koj raug nqi, raws li hais tias Laura Longero, tus thawj coj saib xyuas ntawm CarInsurance.com, tsis nkag siab txog qhov ins thiab outs ntawm koj txoj cai, tsis quav ntsej muag koj txoj cai ntawm lub sijhawm rov ua dua thiab tsis nug koj tus neeg tuav pov hwm txog kev txo nqi. "Nug txog kev txo nqi, txhua yam ntawm airbags mus rau kev tsav tsheb tuaj yeem txo tus nqi thiab cov nyiaj cheb ntxiv tuaj yeem txuag koj nyiaj me ntsis," Longero hais.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Tau qhov twg los: https://www.marketwatch.com/picks/we-expect-rates-to-continue-to-rise-car-insurance-already-costs-nearly-14-more-than-last-year-heres- the-best-thing-to-do-now-to-combat-that-3481264a?siteid=yhoof2&yptr=yahoo