Caymiska baabuurka ee jaban ee darawalka gaadhiga 18 jir

Celceliska mushaharka saacaddii wuxuu ahaa $25.89, marka la barbar dhigo $25.27 sanad ka hor, sida laga soo xigtay Xafiiska Tirakoobka Shaqaalaha. Celcelis ahaan kharashka caymiska baabuurta ee sanadlaha ah ee sedan wuxuu ahaa $1,222 sanadka 2015, taas oo macnaheedu yahay celceliska shaqaaluhu wuxuu iibsan karaa caymiska baabuurta sanadka ka dib markuu shaqeeyo 47 saacadood.

Si kastaba ha ahaatee, celceliska dhalinyarada ayaa qaata wax aad uga yar celceliska mushaharka saacaddii. Mushaharka ugu yar ee dhexdhexaadka ah ee gobolka ilaa Juulaay 2015 wuxuu ahaa kaliya $7.92 saacadii. Dhalinyaradu waxay bixiyaan wax ka badan caymiska sababtoo ah waxaa loo arkaa inay ka khatar badan yihiin darawaliinta khibradda leh. Celceliska kharashka caymiska aasaasiga ah ee sanadlaha ah wuxuu ahaa $841, taasoo ku salaysan qiimayaasha laga helay shirkadaha caymiska baabuurta qaranka. Celcelisyadan, 106 saacadood oo shaqo ah ayaa loo baahan doonaa sannad Caymiska Masuuliyadda Ugu Yar ee Qaranka.

Baabuur aan qaali ahayn ayaa weli kharash aad u badan u ah 4 milyan oo Maraykan ah oo ka shaqeeya mushaharka ugu yar. Laakiin waxay dhibaato weyn ku haysaa darawallada da'da yar ee Rhode Island iyo New Hampshire maadaama ay shaqeeyaan ku dhawaad ​​saddex jeer inta ay dhiggooda Illinois ku iibsanayaan caymis mas'uuliyadeed oo buuxiya shuruudaha ugu yar ee gobolka, sida laga soo xigtay falanqaynta CarInsurance.com ee caymiska baabuurta.

Heerarka caymiska baabuurka iyo mushaharka labaduba aad bay u kala duwanaan karaan, sidaa awgeed awood-helidda waxaa lagu xisaabiyay iyadoo la barbardhigay kharashka ugu yar ee caymiska baabuurta iyo mushaharka ugu yar ee gobol kasta. Darawalada da'da yar ayaa si xun loogu garaacay Rhode Island iyo New Hampshire, iyadoo siyaasadda caymiska ugu jaban ay qaadanayso 174 saacadood si ay u iibsadaan. Darawal da'yar ayaa ka hela caymis aad uga jaban gudaha Illinois - waxay ku qaadataa 56 saacadood oo keliya shaqo sanad ceymis mas'uuliyadeed ah.

Kharashka caymiska baabuurka ee 18 jirka

Dawladaha waxaa lagu qiimeeyaa tirada saacadaha ay qaadanayso iibsashada caymiska, marka la barbar dhigo caymiskooda baabuur ee ugu jaban ee 18 jirka iyo mushaharkooda ugu yar.

Heerarka waxaa la barbar dhigayaa iyadoo la isticmaalayo sibka koodka gobolka ugu jaban darawalka da'da yar leh rikoor nadiif ah, taariikh credit wanaagsan, iyo caymiska siyaasadda waalidkii hore. Darawalka caadiga ah waa 18 jir, lab, wuxuuna leeyahay baabuur u eg Ford Taurus 1997. Xogtan sax maaha 18 sano jir kasta, laakiin waxay fikrad fiican ka siinaysaa halganka dhaqaale ee ay la kulmaan dhalinyarada kuwaas oo ku tiirsan baabuurkooda si ay u aadaan dugsiga ama shaqada.

Muxuu bixiyaa wiil 18 jir ah mas'uuliyadda ugu yar ee gobolka
Darajo	gobolka	Lambarka Boostada	Qiimaha sannadlaha ah ee deymaha	Mushaharka ugu yar	Saacadaha wax iibsiga
1	Illinois	61761	$459	$8.25	56
2	North 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 DC	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	Colorado	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	Galbeedka 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	Jasiiradda Rhode	02842	$1,569	$9.00	174
*	Alaska	99829	$8.75
*	Hawaii	96722	$7.75
*	Massachusetts	02158	$9.00
*	Waqooyiga Dakota	58285	$7.25
*	Waqooyiga Dakota	57069	$8.50
*	Washington DC	20006	$10.50
celceliska qaranka	$841	$7.92	106
*Xogta lama heli karo ama lama heli karo wakhtiga daabacaada Dhammaan xogta laga soo qaatay http://www.carinsurance.com/state/Illinois-car-insurance.aspx

Caymis baabuurka ka jaban ma loo heli karaa darawalada da'da yar?

Caymiska C waxay leeyihiin wax badan oo ay ku sameeyaan darawalka marka loo eego baabuurka iyo khatarta la dareemayo ee ay matalaan. Waa kuwan qodobbada muhiimka ah ee ay shirkadaha caymisku tixgeliyaan ka hor intaysan ku siin oraah:

• Taariikhdaada darawalnimo: In ka badan hal xadgudub ama shil ayaa kordhiya kharashka caymiska.

• Dayntaada: Haddii ay hoosayso, waxaa laguu tixgalinayaa sheegasho khatar sare ah waxaana lagugu soo dalacayaa in ka badan gobollo badan.

• Masaafadaada: mar kasta oo aad baabuur wadid, waa yaraanaysaa khatarta aad qof ku garaaci karto.

• Taariikhdaada caymiska: Haddii aad ogolaato in siyaasaddaadu dhacdo, xitaa dhowr maalmood, waxaad bixin doontaa wax badan.

• Baabuurkaaga: Haddii baabuurkaaga uu leeyahay qiime sheegasho aad uga sarreeya kuwa kale, heerarka mas'uuliyaddaadu waxay ka tarjumaysaa khatartaas.

Xasuusnoow in aysan jirin laba shirkadood oo caymis ah oo bixiya qiime isku mid ah, iyo xitaa siyaasadaha leh khidmadaha caymiska qaranka ee ugu yar waxay ku kala duwanaan karaan boqolaal doolar sannadkii. Haddi aad tahay waalid ama dhalinyaro, waxa haboon in la baadho oo la isbarbar dhigo caymisyada la bixiyo si ay kaaga caawiyaan doorashada ugu fiican.

Maqaalkan waxaa lagu waafajiyay oggolaanshaha carinsurance.com: http://www.carinsurance.com/Articles/10-factors-that-affect-your-car-insurance-rates.aspx.