Competitive Market
Iko mari yehushuwarisi yemabhizimusi mashoma anonyanya kukwikwidzana. Vatsigiri vakawanda vanotengesa inshuwarisi yakagadzirirwa makambani maduku. Zvisinei, mari yehushuwarisi inononoka , saka vatsigiri vanogoni kukwikwidza pamutengo.
Vatsigiri vakawanda vakaedza kuzvisiyanisa kuburikidza nokudzorerazve zvigadzirwa zvekugadzira uye kuvandudza kushandiswa kwevatengi.
Maererano neJD Power, vambisi vehurumende vakashandisa nguva yakawanda nekuedza kusimbisa matsva ekuparadzira matsva. Ivo vakaedzawo kuita kuti masangano avo ave anoshanda zvakanyanya kune vashandi. JD Power kugutsikana kwekugutsikana kunogona kubatsira vatsigiri vekugadzirisa zviyero zvekutsvaga kwavo. Inogonawo kubatsira vatsigiri vekuvhara mairi simba ravo uye utera hwavo huenzaniswa nevakwikwidzi vavo.
Chinangwa cheSarudzo
Tsvakurudzo yakagadzirirwa kuongorora kugutsikana kwevanamabhizimisi vaduku nevanishuwarenzi . JD Power yaida kuziva kuti vashandi vemabhizimisi vemabhizimisi vaida chii, vaidikanwa uye vanotarisirwa kubva kune avo vashandi. Yakanga ichidawo kuziva maitiro mudiki inshuwalisi yebhizimisi.
Vose vanoongorora vashandi vaiva mabhizimisi nevashandi makumi mashanu kana vashomanana. Vashandi vebhizimisi vakabvunzwa kuti vaone vatsigiri vavo kubva pane zvinotevera zvitanhatu:
- Kugutsikana Kwose Kugutsikana kwakakwana nezvose zvikamu zvebasa rakapiwa nea insurer
- Zvinopiwa zvePurogiramu Kugutsikana nezvakasiyana-siyana zvekuvharidzirwa kwavanoita inshuwarheni uye kana zvivako izvi zvakazadzisa zvavanoda
- Mutengo Kugutsikana nemutengo wakabhadharwa wezvinyorwa zvinopiwa (kukosha)
- Kubhadhara uye Kubhadhara Kugutsikana ne insurer yekubhadhara uye kubhadhara nzira. Ko mabhuku ekubhadhara akajeka, akarurama, uye akabudiswa panguva yakakodzera?
- Kuwirirana Kugutsikana ne inshuwarisi yekukurukurirana, kunyangwe kuburikidza nenhengo , nhare yekufonera kana webhusaiti yewe inshuwarisi
- Zvitemo Kugutsikana nematongerwo emitemo, kusanganisira iyo insurer's procedures, vashanduri , uye kugadzirisa nzvimbo
Power Circles
JD Power yakaratidza mhinduro kubva kuvatori vechiongorori. Izvo zvakabva zvaratidza mabhizimisi pane imwe neimwe yezvinhu zvitanhatu kushandisa hurongwa hwayo Power Circle Ratings. Iko isiri chigadzirwa chemhosva cheJD Power. Yakagadzirirwa kupa mhinduro dzisingabatsiri kubva kuvashandi vekugadzirwa kana basa.
Kune chimwe chezvinhu zvitanhatu zvekuongorora, JD Power akapa vatsigiri vhesi yezvikamu zviviri, zvitatu, zvina kana zvishanu zvePower Circles. Vatsigiri vekugutsikana kwakagutsikana vakawana zvakawanda. Hezvino izvo zvinoreva nhamba:
5 Simba Rakatenderera - Pakati pezvakanakisisa
4 Simba Rakatenderera - Zviri nani kudarika vazhinji
3 Simba Circles - Pamusoro pevhareji
2 Simba Masangano - Zvose (pasi pevhareji)
Mukuwedzera kune simba rinotenderera, JD Power yakagovera buri inshuwarisi nhamba yepamusoro zvichienderana nechiyero che-1-point. Ichi chikwata chinoratidza vatengi 'kugutsikana kwevose ne inshuwarisi.
Idzo dzakawanda dzakabva pane 839 kusvika kune 793, uye inenge yepakati pe823.
Survey Results
Chati inotevera inoratidza kuti vatsigiri vehurumende vakaita sei muongororo. Cherechedza kuti nhamba 2, 3, 4 ne5 dzinoratidza nhamba yeMasimba Circles akapiwa kuvatisi. Vatsigiri vaviri (Cincinnati Insurance uye Philadelphia Inishuwarenzi) vakabatanidzwa muongororo asi vakasiyiwa kubva pakusarudzwa pamusana pezvidiki zviduku.
| Insurer | Score | Overall Satis. | Mitemo yePurogiramu | Mutengo | Kubhadhara uye Kubhadhara | Kusangana | Mhosva |
| American Family | 839 | 5 | 5 | 4 | 5 | 4 | - |
| Allied | 835 | 5 | 3 | 5 | 3 | 5 | - |
| Nationwide | 835 | 5 | 4 | 3 | 4 | 5 | 4 |
| State Farm | 831 | 4 | 5 | 3 | 5 | 3 | 4 |
| Erie | 829 | 4 | 4 | 3 | 4 | 3 | 5 |
| Allstate | 827 | 3 | 3 | 4 | 3 | 2 | 3 |
| Auto-Owners | 826 | 3 | 4 | 3 | 3 | 5 | 2 |
| Freed Mutual | 821 | 3 | 3 | 3 | 3 | 2 | 4 |
| Zurich | 821 | 3 | 3 | 3 | 3 | 3 | - |
| Varimi | 818 | 3 | 2 | 3 | 3 | 3 | 4 |
| AIG | 816 | 3 | 3 | 2 | 3 | 3 | - |
| Hartford | 814 | 3 | 3 | 2 | 2 | 3 | 3 |
| Chubb | 810 | 2 | 3 | 2 | 2 | 2 | - |
| CNA | 806 | 2 | 2 | 2 | 3 | 3 | - |
| Vatambi | 793 | 2 | 2 | 2 | 2 | 2 | 2 |
Mutsvaga wekutsvakurudza waiva American Family, mumwe mutsigiri we insurer wakanga uri muMadison, Wisconsin.
American Family inotengesa hupfumi hwemunhu uye hwekutengeserana kuburikidza nevanotora nhapwa. Inopa bhizinishuwarenzi bhizinesi kumakambani mashomanana ekutengeserana, mabhizimisi ezvitoro, mahofisi ebazi, auto repair shops, maresitorendi, uye varidzi vemapurazi Vakabatana vakawana nzvimbo yechipiri, inoteverwa nenyika yose, State Farm, uye Erie. Kufanana neAmerica Family, Nationwide uye State Farm vanogovera zvigadzirwa zvavo kuburikidza nevakatapwa.
Uyu waiva JD Power yechina yekutsvaga kugutsikana kwekugutsikana kwemashamba maduku. Idzo tsvakurudzo dzakaratidza kuvandudza mukugutsikana kwevatengi mumakore matatu apfuura. Pakati pegore ra2012 na2016, chikamu chekugutsikana chinowedzera nematanho makumi mana. Nhamba ye823-yehuwandu yekugutsikana muna 2016 yaiva nematunhu makumi matatu akapamusoro kupfuura zvikamu 793 muna 2015.
Gen Y Anoda Kutaurirana Kwevatengi
Zvidzidzo zve 2016 zvakaratidza kusiyana kwemagetsi pakati pevatengi. Yakaratidza kuti Generation Y vashandi vanoda kushamwaridzana kukuru nevashambadzi nevatengi kupfuura vana veBoomers kana Generation X vatengi. Vatsigiri, uye vamiririri vanomiririra, vanofanira kuchengeta izvi mupfungwa pavanenge vachitarisana naGen Y-ers. Vechidiki vaduku vanoshuwaridzana nevanoshanda vavo kaviri kana kupfuura kakawanda gore negore. Gen Y-ers anonyanya kufarira kushamwaridzana kwevanhu-kune vamwe vavo vakuru.