Inshorar mota mai arha ga direban mota mai shekaru 18

Matsakaicin albashin sa'a shine $25.89, idan aka kwatanta da $25.27 a shekara da ta gabata, a cewar Ofishin Kididdiga na Ma'aikata. Matsakaicin farashin inshorar mota na shekara-shekara na sedan shine $1,222 a cikin 2015, wanda ke nufin matsakaicin ma'aikaci zai iya siyan inshorar mota na shekara bayan yayi aiki kusan awanni 47.

Koyaya, matsakaicin matashi yana samun ƙasa da matsakaicin albashin sa'a. Matsakaicin mafi ƙarancin albashi a jihar har zuwa Yuli 2015 shine kawai $7.92 a sa'a. Matasa suna biyan kuɗi da yawa don inshora saboda ana ɗaukarsu haɗari fiye da ƙwararrun direbobi. Matsakaicin farashi na asali na asali na shekara-shekara shine $ 841, dangane da farashin da aka samu daga kamfanonin inshorar motoci na ƙasa. A waɗannan matsakaita, ana buƙatar sa'o'i 106 na aiki na shekara ɗaya na Inshorar Lamuni Mafi Karanci ta Ƙasa.

Mota mai tsada har yanzu tana da babban kuɗi ga Amurkawa miliyan 4 ko makamancin haka waɗanda ke aiki don mafi ƙarancin albashi. Amma yana haifar da babbar matsala ga matasa direbobi a Rhode Island da New Hampshire yayin da suke aiki kusan sau uku idan dai takwarorinsu na Illinois don siyan inshorar abin alhaki wanda ya cika mafi ƙarancin buƙatun jihar, bisa ga binciken CarInsurance.com don inshorar mota.

Dukansu albashi da farashin inshora na mota na iya bambanta sosai, don haka ana ƙididdige arha ta hanyar kwatanta mafi ƙarancin kuɗin inshorar mota zuwa mafi ƙarancin albashi a kowace jiha. Matasan direbobi sun fi fuskantar wahala a tsibirin Rhode da New Hampshire, tare da tsarin inshora mafi arha yana ɗaukar sa'o'i 174 don siye. Wani matashi direba ya sami inshora mai rahusa a Illinois - yana ɗaukar awoyi 56 na aiki kawai na shekara ɗaya na inshorar abin alhaki.

Kudin inshorar mota ga ƴan shekara 18

Jihohi suna da adadin sa'o'in da ake ɗauka don siyan ɗaukar hoto, idan aka kwatanta inshorar mota mafi arha ga matasa masu shekaru 18 zuwa mafi ƙarancin albashi.

Ana kwatanta ƙimar kuɗi ta amfani da lambar zip mafi arha na jihar don matashin direba mai tsaftataccen rikodi, kyakkyawan tarihin bashi, da inshorar manufofin iyaye na baya. Direba na yau da kullun yana da shekaru 18, namiji, kuma yana da mota mai kama da Ford Taurus na 1997. Wannan bayanan ba daidai ba ne ga kowane ɗan shekara 18, amma yana ba da kyakkyawan ra'ayi game da gwagwarmayar kuɗi da matasa ke fuskanta waɗanda suka dogara da motar su don zuwa makaranta ko aiki.

Me yaro dan shekara 18 ke biyan mafi karancin alhaki a jihar
Daraja	Yanki	Lambar Zip	Ƙimar shekara-shekara na bashin	Mafi qarancin albashi	Sa'o'in siyayya
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	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	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
*	Dakota ta Arewa	58285	$7.25
*	Dakota ta Arewa	57069	$8.50
*	Washington DC	20006	$10.50
matsakaicin ƙasa	$841	$7.92	106
* Babu bayanai ko babu a lokacin bugawa Duk bayanan da aka karɓa daga http://www.carinsurance.com/state/Illinois-car-insurance.aspx

Akwai inshorar mota mai rahusa ga matasa direbobi?

Ƙididdigar inshora na C suna da alaƙa da direba fiye da motar da kuma haɗarin da suke wakilta. Anan ga mahimman abubuwan da kamfanonin inshora ke la'akari kafin su ba ku fa'ida:

• Tarihin tuƙin ku: Fiye da cin zarafi ko haɗari yana ƙara farashin inshora.

• Kiredit ɗin ku: Idan yana da ƙasa, ana ɗaukar ku da'awar haɗari mafi girma kuma ana cajin ku a yawancin jihohi.

• Mileage ɗinku: Kadan kuke tuƙi, ƙarancin haɗarin ku na bugun wani.

• Tarihin inshorar ku: Idan kun bar manufar ku ta ƙare, ko da na ƴan kwanaki, za ku biya ƙarin.

• Motar ku: Idan abin hawan ku yana da ƙima mafi girma fiye da wasu, ƙimar abin alhaki zai nuna wannan haɗarin.

Ka tuna cewa babu kamfanonin inshora guda biyu da ke bayar da farashi iri ɗaya, har ma da manufofin da mafi ƙarancin kuɗin inshora na ƙasa zai iya bambanta da ɗaruruwan daloli a shekara. Ko kai iyaye ne ko matashi, yana da daraja bincika da kwatanta tayin inshora don taimaka maka yin zaɓi mafi kyau.

An daidaita wannan labarin tare da amincewar carinsurance.com: http://www.carinsurance.com/Articles/10-factors-that-affect-your-car-insurance-rates.aspx.