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Vivinavi Los Angeles車の保険は走行距離が短くても同じ
- #1
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- 保太 険郎
- 2013/09/08 22:04
車の保険は年間の走行距離が短くても
例えば年間走行距離２００００マイル、年間走行距離５０００マイル以下の場合でも
車の保険代は変わらないのでしょうか。
ジップコードで保険代が変わるのは今でもあるのでしょうか。
通勤距離が短くなったのと出不精になったせいか車を買ってから１年間で５０００マイルも走ってなくて安い掛け金の保険を探しているのですがどこも同じような金額を出してきます。
あるエージェントでは今支払っている金額の倍くらいの見積もりを貰いました。
フルカーバーで幾らぐらい支払っているのでしょうか。
車１台でジップコード、年間掛け金を教えてください。
また掛け金を低く抑える方法はありますか。
- #2
-
- エドッコ3
- 2013/09/08 (Sun) 23:02
- Report
年間走行距離で保険料は変わります。State Farm と AAA では 7,500 mi がひとつの基準でした。
Zipcode でも変わります。Bel Air なんかは一番高いそうです。まぁ、あそこに住んでいる人は全然気にしないでしょうけど。
通勤で使うか仕事とは一切関係ないかでも違い、路駐かガレージに入れているかでも変わってきます。また、複数台持っているか、優良学生が家族の中にいるかでもこれまた違ってきます。
- #3
-
- エドッコ3
- 2013/09/08 (Sun) 23:04
- Report
上記の事や他も含めての計算になるのと、一番大きく影響する Deductible の金額で違うので、メーカーや車種、年式でも変わり、他人様と自分とで条件が揃うことはまず不可能で、他人様がいくら払っていても全然参考になりません。
ひとつ言えるのは、保険の料金表には上記の条件が詳しく載っているので、くまなく見て走行距離など高めに記載されているなら、そこを指摘すれば安くなる場合もあります。あと、Deductible を $500 から $1,000 へとどんどん高くするとガクッと安くなります。
Posting period for “ 車の保険は走行距離が短くても同じ ” has been closed.
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