Immisa Ayuu Caymiska Baabuurku Kacaa Tigidhka Xawaareha Ka Dib?

Ma heshay tigidh xawaaraha? Waxaadna la yaabban tahay, caymisku ma kordhin doonaa ka dib markaan helo tigidhka xawaaraha? Tigidhka xawaaraha wuxuu saamaynayaa caymiskaaga baabuur. Hadda waxaad ka fekereysaa, Immisa ayuu caymisku kor u kacaa tigidhka xawaaraha ka dib? Inta uu le'eg yahay tigidhka xawliga ahi uu saamayn doono caymiskaaga waxay ku xidhan tahay arrimo qaarkood, oo uu ku jiro gobolkaaga.

Ma tahay dembiilayaal markii ugu horreysay? Hadday haa tahay, war baan kuu hayaa. Iyadoo ku xiran gobolkaaga iyo bixiyaha caymiska, caymiska baabuurkaagu ma kici karo. Maqaalkani waxa uu iftiiminayaa Intee in le'eg ayaa caymiskaagu kor u kici doonaa ka dib tigidhka xawaaraha.

Caymiska Baabuurka Ku -meelgaarka ah ee UK: Sida ay u Shaqayso | Faa'iidooyinka & Qasaarooyinka

Immisa Ayaa Caymiskaagu Kor U Kaca Ka Dib Tigidhka Xawliga Ah?

Halka helitaanka tigidhka xawaaraha uu hubaal ahaan kordhin doono bixinta soo socota ee caymiskaaga, waxaa laga yaabaa inaanay mararka qaarkood dhicin, iyadoo ku xidhan arrimo qaarkood. Qodobbada saameeya kororka caymiskaaga ka dib markaad hesho tigidhka xawaaraha waxaa ka mid ah:

• Taariikhdaada wadista baabuurta: Tan waxaa ku jira xadgudubyada kale ee gaadiidka iyo shilalka baabuurta ee la eedaysan karo.

• Haddii aad tahay dembiilaha ugu horreeya.

• Muddada xad-gudubkaagi u dambeeyay

• Immisa mayl saacaddii ayaad dhaaftay xadka xawaaraha?

Marka loo eego qiyaasaha, tigidhka xawaaraha wuxuu ku kordhin doonaa caymiskaaga 21-25% ee kharashka asalka ah. Si kastaba ha ahaatee, heerka caymisku korodhay ka dib tigidhka xawaaraha wuu kala duwan yahay iyadoo lagu saleynayo:

• Caymiska baabuurkaaga (shirkadda)

• Gobolkaaga

Intee in le'eg ayuu caymiskaagu kor u kici doonaa ka dib tigidhka xawaaraha ee ku salaysan caymiska baabuurta (shirkadda)

Intee in le'eg ayaa caymiskaygu kor u kici doonaa tigidhka xawaaraha ka dib? Tani waa su'aal muhiim ah oo ay tahay inaad isweydiiso naftaada ka dib markaad hesho tigidhka xawaaraha.

Falanqaynta toban shirkadood oo caymis oo waaweyn oo Maraykanka ah ayaa ka galay heerka ugu sarreeya ilaa kan ugu hooseeya ka hor inta aan tigidhka xawaaraha uu muujin kor u kac weyn oo ku yimid qiimaha caymiska baabuurta marka loo eego darawalka rikoodhka nadiifka ah.

Akhri: Waa ayo Wakiilka Caymiska Madaxbanaan?

Company	Celceliska sicirka sanadlaha ee darawalada leh rikoor nadiif ah	Celcelis ahaan qiimayaasha sannadlaha ah ee darawaliinta tigidhka xawaaraha	Kordhi ka dib tigidhka xawaaraha	Boqolkiiba korodhka tigidhka xawaaraha ka dib
1. Beeraleyda	$ 2,124	$ 2,743	$ 619	29%
2. Allstate	$ 2,022	$ 2,301	$ 279	14%
3. Horumar	$ 1,892	$ 2,442	$ 550	29%
4. Dalka oo dhan	$ 1,540	$ 1970	$ 430	28%
5. Milkiilayaasha baabuurta	$ 1,532	$ 2,024	$ 492	32%
6. Qoyska Maraykanka	$ 1,454	$ 1,715	$ 261	18%
7. Socotada	$ 1,435	$ 1,828	$ 393	27%
8. Eri	$ 1,419	$ 1,600	$ 181	13%
9. Beerta dawladda	$ 1,402	$ 1,607	$ 205	15%
10. Geico	$ 1,182	$ 1,579	$ 397	34%
USAA	$ 1,141	$ 1,381	$ 240	21%

Caddaynta laga helay falanqaynta ayaa muujisay in:

• USAA waxay bixisay celceliska celceliska sanadlaha ugu jaban darawaliinta tigidhada xawaaraha dheereeya. Si kastaba ha ahaatee, waxaa heli kara oo kaliya ciidamada militariga iyo qaraabadooda dhow.

• In kasta oo celceliska heerka korodhka ah ee 34%, GEICO uu lahaa celceliska-labaad ee ugu hooseeya premium sanadlaha ah kuwa tigidh xawaaraha.

• Beeralayda oo leh qiime sanadle ah $2,743, ayaa lahaa heerka ugu sarreeya ka dib tigidh xawli ku socda. Tani waxay qiyaastii 74% ka saraysaa heerka GEICO.

Akhri Sidoo kale: 10ka Shirkadood ee Caymiska Safarka ugu Fiican 2023

Intee in le'eg ayuu caymiskaagu kor u kici doonaa ka dib tigidhka xawaaraha ee ku salaysan gobolkaaga?

Qiimaha caadiga ah ee korodhka darawalada leh ganaaxa xawaaraha way ku kala duwan yihiin gobol ilaa gobol. Sharciyada caymiska gobolka ayaa arrin ku leh arrintan.

State	Celceliska sicirka sanadlaha ee darawalada leh rikoor nadiif ah of $	Celceliska qiimaha darawalada tigidhka xawaaraha ku socda waa $	Kordhi ka dib tigidhka xawaaraha $	Boqolkiiba korodhka tigidhka xawaaraha ka dib %
Alabama	1,701	2,101	400	24
Alaska	1,292	1,494	202	16
Arizona	1,636	2,090	454	28
Arkansas	1,854	2,389	535	28
California	1,967	2,702	735	37
Colorado	1,898	2,377	479	25
Connecticut	1,658	1,971	313	19
Delaware	2,026	2,387	361	18
Florida	2,775	3,350	575	21
Georgia	1,699	2,116	417	25
Hawaii	1,128	1,304	176	16
Idaho	1,026	1,217	191	19
Iowa	1,131	1,334	203	18
Kansas	1,791	2,190	399	22
Kentucky	2,423	2,912	489	20
Louisiana	2,985	3,658	673	23
Maine	1,074	1,293	219	20
Maryland	1,987	2,387	400	20
Massachusetts	1,163	1,502	339	29
Michigan	2,084	3,188	1,104	53
Minnesota	1,464	1,923	459	31
Mississippi	1,820	2,230	410	23
Missouri	1,694	2,004	310	18
Montana	1,773	2,128	355	20
Nebraska	1,401	1,659	258	18
Nevada	2,489	3,010	521	21
New Hampshire	1,144	1,267	123	11
New Jersey	1,901	2,518	617	32
New Mexico	1,461	1,744	283	19
New York	2,008	2,348	340	17
North Dakota	1,233	1,506	273	22
Ohio	1,065	1,316	251	24
Oklahoma	1,906	2,316	410	22
Oregon	1,355	1,733	378	28
Pennsylvania	1,525	1,743	218	14
Rhode Island	2,065	2,537	472	23
South Carolina	1,561	1,892	331	21
South Dakota	1,466	1,702	236	16
Tennessee	1,405	1,708	303	22
Texas	1,725	1,918	193	11
Utah	1,596	1,978	382	24
Vermont	1,073	1,213	140	13
Virginia	1,354	1,661	307	23
Washington	1,292	1,540	248	19
Washington, DC	1,867	2,188	321	17
West Virginia	1,580	1,876	296	19
Wisconsin	1,206	1,567	361	30

Fiiri: Dib u eegisyada Caymiska Baabuurka Gabi 2023: Ma sharci baa mise waa khiyaamo?

Intee in le'eg ayaa caymiskaagu kor u kici doonaa ka dib markii tigidh xawli ku xidhan yahay gobolkaaga. Waxaanu ka soo qaadanay gorfaynta dawlad kasta arrimahan soo socda:

• 4-ta gobol ee ugu mushaharka badan ka dib tigidhka xawaaraha ugu sarreeya ilaa kan ugu hooseeya waa Louisiana, Florida, Michigan, iyo Nevada. Goboladan, celceliska heerka caymiska sanadlaha ka dib tigidhka xawaaraha wuxuu ka sarreeyaa $3,000.
• Afar iyo labaatan gobol ayaa celcelis ahaan qiimahooda sanadlaha ah ka hooseeyay $2,000, xitaa ka dib tigidh xawaareyneed. Celcelis ahaan heerka sanadlaha ah ee $1,213, Vermont ayaa ugu sareysa liiska gobolka ugu mushaharka yar ka dib tigidhka xawaaraha. Idaho waxay ku cirib tirtay celcelis ahaan $1,217.
• Isbarbardhigga u dhexeeya Texas iyo New Hampshire wuxuu muujiyay in inta caymiskaagu kor u kici doono ka dib tigidhka xawaaraha uu ku kala duwan yahay gobol ilaa gobol. Kor u kac 11% ah Texas iyo New Hampshire, darawaladu waxay ku dhamaanayaan $1,267 gudaha New Hampshire. Halka darawalada Texas ay ku dhamaadeen $1,918, taas oo ah ilaa 51% qiimaha New Hampshire.

Sidee tigidho badan u kordhiyaan qiimaha caymiska?

Ma heshay tigidho xawaare badan oo aad waydiisay, intee in le'eg ayuu caymiskaygu kor u kacayaa tigidhada xawaaraha ka dib? Inta badan, helitaanka tigidhada xawaaraha dheereeya waxay wax badan ka tari doontaa kor u qaadista qiimahaaga. Daraasad la sameeyay ayaa is barbardhigtay 3-gobol iyo darawallada oo leh saddex tigidh xawaare dheereeya. Daraasadu waxay muujisay in darawaladu ay bixiyaan 66 - 110% in ka badan darawallada iyaga oo aan haysan tigidhada xawaaraha.

Falanqeyn kale oo tixgalisay heerka GEICO, tigidhkii ugu horreeyay ayaa kor u kacay in ka badan 20% halka tigidhka labaad uu sare u kacay 38%.

Maxaad samayn kartaa marka aad hesho tigidhka xawaaraha?

Helitaanka tigidhka xawaaraha wuxuu kaa tagi karaa inaad ka fikirto, Intee in le'eg ayuu caymisku kor u kici doonaa tigidhka xawaaraha ka dib? Maxaan sameeyaa? Hagaag, waxaa jira saddex siyaabood oo aad tan uga jawaabi karto:

• Bixi qiimaha
• Muranka tigidhka
• Talaabo ha qaadin

Bixi qiimaha: Bixinta qiimaha waxay la macno tahay bixinta ganaax iyo korodhka heerka caymiska.

Ku tartan tigidhka: Si guul leh oo aad ugu tartanto tigidhka ayaa ka dhigi doona rikoorka baabuur wadista mid nadiif ah. Taasina waxay ka dhigan tahay in caymisku aanu kordhin doonin. Tigidhkaagu waa inuu ka kooban yahay tilmaamo ku saabsan sida loola tartamo tigidhka xawaaraha. Ururada shirkadu waxay shaqaaleysiin karaan adeega shirkad latalin maaliyadeed.

Ha qaadin tillaabo: Haddii aad iska indho tirto tigidhka xawaaraha oo aadan ka falcelinin wakhtiga laguu cayimay, waxaad heli doontaa ogeysiin ku saabsan lacag daahitaan oo dheeraad ah. Shatigaaga waa la hakin karaa haddii aad sii tixgaliso tigidhka.

Dib u eegista Caymiska Gawaarida xididka 2023: Faa'iidooyinka & Khasaaraha | Sharci & Fadeexad | Sida ay u shaqeyso

Tigidhada xawliga ku socda ma yihiin kuwo shirkadaha caymisku cafiyaan?

Inta badan gobolada waxay cafiyaan xadgudubyada yar yar ee gaadiidka. Sharciga New York, tusaale ahaan, wuxuu xaddidaa korodhka heerka xad-gudubyada xawliga ah ee dhaafsan xadka xawaaraha 15 mph.

Tusaale kale waa Texas, halkaas oo xawaaruhu uu yahay dembi yar (iyadoo ku saleysan xawaarahaaga inkastoo). 

Qaar ka mid ah shirkadaha caymiska baabuurta ayaa sidoo kale cafiyi kara xadgudub yar oo taraafikada. Caymiska beeralayda ayaa cafis u fidiyay dambiilaha markii ugu horaysay ee ay caymis ku jireen ugu yaraan lix bilood.

Socdaalayaashu waxay kaloo leeyihiin qorshe cafiya xadgudubyada yaryar 36dii biloodba mar.

Maxaad sameyn kartaa si aad hoos ugu dhigto Caymiska Gaarigaaga Tigidhka Xawaaraha ka dib?

Waxaa jira dhawr ikhtiyaar oo aad heli karto haddii aad hesho tigidh xawaareynaysa oo kor u qaadaysa qiimahaaga. Doorashadaada waxaa ka mid ah:

• Isbarbar dhig qiimayaasha

• Codso qiimo dhimis

• Ka qaybgal koorsada wadista badbaadada leh

Isbarbar dhig qiimayaasha

Isbarbardhigga qiimaha u dhexeeya bixiyaha caymiskaaga hadda iyo kuwa cusub waa mid ka mid ah hababka ugu fiican ee lagu dhimo kharashyada. Tigidhkaaga xawaaruhu wuxuu ka tarjumi doonaa si liidata diiwaanka wadista oo ku raaci doona bixiye caymis baabuur oo cusub, laakiin waxa laga yaabaa inay wali ku siiyaan qiimeyo hoose oo la mid ah bixiyahaagi hore.

Dib u eegisyada Caymiska Maroodiga 2023: Ma sharci baa mise waa khiyaamo?

Codso qiimo dhimis

Waxaad ku heli kartaa qiimo dhimis dhowr khad ah waxyaabaha sida isku darka gurigaaga iyo caymiska gaadiidka.

Ka qaybgal koorsada wadista badbaadada leh

Waxaa laga yaabaa inaad u qalanto inaad qaadato koorsada wadista ee gobolku ansixiyay si loo dhimo tirada dhibcaha diiwaanka baabuur wadida haddii aanad taariikh u lahayn xad gudubka xawaaraha. Si ka sii wanaagsan, waxa laga yaabaa inay ka hortagto xad-gudubku inuu ka soo muuqdo diiwaankaaga, taasoo ka hortagaysa kor u kaca qiimahaaga tigidhka dartii.

Intee in le'eg ayuu tigidh-xawaaraha u saameeyaa Heerarka Caymiska Baabuurka?

Inta badan, tigidhada xawaaraha iyo xad-gudubyada kale ee dhaqdhaqaaqa waa shilal dheeraad ah. Tani waxay tusinaysaa in dhacdadu ay sababi karto koror ku xiga. Iyada oo ku xidhan gobolkaaga, xad-gudubyada waddooyinku waxay ku sii jiri karaan diiwaankaaga saddex ilaa shan sano.

Dawladaha sida Texas iyo New Jersey, tusaale ahaan, waxay oggolaadaan shirkadaha caymiska baabuurta inay ku soo rogaan kharash saddex sano ah. Halka Massachusetts ay soo rogtay 5 sano.

Sannad kasta oo aad baabuur wadid iyada oo aan shil kale dhicin, sida xadgudub kale oo guuritaan ah, ama shil aad qalad ku gashay, shirkadaha caymiska qaarkood iyo sharciga gobolka ayaa yarayn doona qaddarka dheeraadka ah.

Su'aalaha Badiya La Weydiiyo

Gunaanad

Intee in le'eg ayaa caymiskaygu kor u kici doonaa tigidhka xawaaraha ka dib? Waxaa laga yaabaa, in aad is weydiisay su'aashan ka dib markii aad tigidh heshay. Uma baahnid inaad ka walwasho qiimaha korodhka maadaama aysan fulin doonin ilaa aad cusbooneysiiso siyaasaddaada.

Intaa ka hor, waxaad qaadi kartaa tillaabooyin aad ku baabi'inayso ama aad u yarayso korodhka heerka. Waxa kale oo aad latalin ka raadsan kartaa shirkad la-talin maaliyadeed oo ah habka ugu fiican ee ficilka.

Xusuusnow in tani ay tahay ujeeddooyin waxbarasho oo miyaanaan xidhiidh la lahayn shirkadda la sheegay.

Talo soo jeedin

kiiky.com - 15-ka Shirkadood ee Caymiska Baabuurka ee ugu Fiican 2023

Tixraaca

• forbes.com - Intee in le'eg ayay Qiimaha Caymiska Baabuurku kor u kacaan Tigidhka Xawaaraha ka dib?
• nerdwallet.com – Tigidh xawaaruhu ma saameeyaa caymiskaaga?
• qiimaha penguin.com - Qiimaha Caymiska Baabuurku wuxuu ku kordhaa tigidhka xawaaraha