Iṣeduro ọkọ ayọkẹlẹ olowo poku fun awakọ ọkọ ayọkẹlẹ 18 ọdun atijọ
Awọn akoonu
Awọn owo-iṣẹ wakati apapọ jẹ $ 25.89, lati $ 25.27 ni ọdun kan sẹyin, ni ibamu si Ajọ ti Awọn iṣiro Iṣẹ. Apapọ iye owo iṣeduro ọkọ ayọkẹlẹ ọdọọdun fun sedan jẹ $1,222 ni ọdun 2015, afipamo pe oṣiṣẹ apapọ le ra iye-iye ti iṣeduro ọkọ ayọkẹlẹ kan pẹlu bii wakati 47 ti iṣẹ.
Bí ó ti wù kí ó rí, ọ̀dọ́langba ń gba díẹ̀díẹ̀ ju iye owó iṣẹ́ wákàtí kan lọ. Apapọ owo-iṣẹ ti o kere julọ ni ipinlẹ bi Oṣu Keje ọdun 2015 jẹ $7.92 fun wakati kan. Awọn ọdọ sanwo pupọ diẹ sii fun iṣeduro nitori pe wọn jẹ eewu ju awọn awakọ ti o ni iriri lọ. Apapọ idiyele ti agbegbe ipilẹ lododun jẹ $841, ni ibamu si awọn agbasọ ti a gba lati awọn ile-iṣẹ iṣeduro adaṣe ti orilẹ-ede. Ni awọn iwọn wọnyi, ọdun kan ti iṣeduro layabiliti ti o kere julọ yoo nilo awọn wakati 106 ti iṣẹ.
Ọkọ ayọkẹlẹ ti ko gbowolori tun jẹ inawo nla fun miliọnu 4 tabi bii awọn ara ilu Amẹrika ti o ṣiṣẹ fun oya ti o kere ju. Ṣugbọn iyẹn jẹ iṣoro nla fun awọn awakọ ọdọ ni Rhode Island ati New Hampshire, bi wọn ti n ṣiṣẹ ni igba mẹta to gun ju awọn ẹlẹgbẹ wọn lọ ni Illinois lati ra iṣeduro layabiliti ti o pade awọn ibeere to kere julọ ti ipinle, ni ibamu si itupalẹ CarInsurance.com lori iṣeduro ọkọ ayọkẹlẹ .
Mejeeji awọn owo-iṣẹ ati awọn oṣuwọn iṣeduro adaṣe le yatọ lọpọlọpọ, nitorinaa a ṣe iṣiro ifarada nipasẹ ifiwera iye owo iṣeduro adaṣe ti o kere ju si owo oya ti o kere julọ ni ipinlẹ kọọkan. Awọn awakọ ọdọ ni Rhode Island ati New Hampshire ni o buru julọ: Yoo gba wakati 174 lati ra eto imulo iṣeduro ti ko gbowolori. Awakọ ọdọ kan rii iṣeduro din owo pupọ ni Illinois pẹlu awọn wakati 56 ti iṣẹ nikan ti o nilo fun ọdun kan ti iṣeduro layabiliti.
Iye owo iṣeduro ọkọ ayọkẹlẹ fun ọdun 18
Awọn ipinlẹ wa ni ipo nipasẹ nọmba awọn wakati ti o gba lati ra agbegbe, ni ifiwera iṣeduro ọkọ ayọkẹlẹ ti ko gbowolori fun awọn ọmọ ọdun 18 si owo oya ti o kere julọ.
Awọn oṣuwọn ti wa ni akawe nipa lilo koodu zip ti o kere julọ fun ọdọ awakọ pẹlu igbasilẹ mimọ, itan-kirẹditi ti o dara ati iṣeduro iṣaaju lori eto imulo obi kan. Awakọ aṣoju jẹ ọmọ ọdun 18, akọ, o si ni ọkọ ti o jọra si Ford Taurus 1997. Awọn data wọnyi ko ṣe deede fun gbogbo ọmọ ọdun 18, ṣugbọn wọn funni ni imọran ti o dara ti awọn iṣoro inawo ti o dojukọ nipasẹ awọn ọdọ ti o dale lori ọkọ ayọkẹlẹ wọn lati lọ si ile-iwe tabi iṣẹ.
Kini ọmọkunrin 18 ọdun kan sanwo fun ojuse ti o kere julọ ti ipinle? | |||||
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Ipo | Ekun | Koodu | Lododun iye owo ti gbese | Owo osu to kere | Awọn wakati rira |
1 | Illinois | 61761 | $459 | $8.25 | 56 |
2 | Ariwa 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 | United | 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 | Rhode Island | 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 | ||
orilẹ-apapọ | $841 | $7.92 | 106 | ||
* Data sonu tabi ko si ni akoko ti ikede Gbogbo data ti o ya lati http://www.carinsurance.com/state/Illinois-car-insurance.aspx |
Njẹ iṣeduro ọkọ ayọkẹlẹ ti o din owo wa fun awọn awakọ ọdọ bi?
Awọn agbasọ iṣeduro C ni diẹ sii lati ṣe pẹlu awakọ ju ọkọ ayọkẹlẹ lọ ati ewu ti o rii ti wọn duro. Eyi ni awọn ifosiwewe pataki ti awọn ile-iṣẹ iṣeduro ro ṣaaju fifun ọ ni agbasọ ọrọ kan:
Itan Wiwakọ Rẹ: Diẹ ẹ sii ju irufin kan tabi ijamba yoo pọ si awọn idiyele iṣeduro rẹ.
Kirẹditi rẹ: Ti o ba lọ silẹ, o jẹ eewu ibeere ti o ga julọ ati gba agbara diẹ sii ni ọpọlọpọ awọn ipinlẹ.
Ibusọ rẹ: Ti o ba wakọ diẹ, ewu ti o dinku lati kọlu ẹnikan.
Itan Iṣeduro Rẹ: Ti o ba jẹ ki eto imulo rẹ dopin, paapaa nipasẹ awọn ọjọ diẹ, iwọ yoo san diẹ sii.
Ọkọ ayọkẹlẹ rẹ: Ti ọkọ ayọkẹlẹ rẹ ba ni oṣuwọn awọn ẹtọ ti o ga julọ ju ọpọlọpọ awọn miiran lọ, awọn oṣuwọn layabiliti rẹ yoo ṣe afihan ewu yẹn.
Ranti pe ko si awọn ile-iṣẹ iṣeduro meji ti o funni ni awọn oṣuwọn kanna, ati paapaa awọn eto imulo pẹlu agbegbe ijọba ti o kere ju le ni awọn owo-ori ti o yatọ nipasẹ awọn ọgọọgọrun dọla fun ọdun kan. Boya o jẹ obi tabi ọdọ, o tọ lati ṣe iwadii ati ṣe afiwe awọn ipese iṣeduro lati ṣe iranlọwọ fun ọ lati ṣe yiyan ti o dara julọ.
Nkan yii ti ni ibamu pẹlu ifọwọsi ti carinsurance.com: http://www.carinsurance.com/Articles/10-factors-that-affect-your-car-insurance-rates.aspx.