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针对covid-19疫情的各大保险公司折扣更新

&NewLine;<p><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>以及分享一个省钱小绝招Garage Plan!<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p>大家应该都知道因为shelter-in-place(又叫stay-at-home)的order,我们大部分人在家宅着,也不出门,那就根本不需要开车呀!于是各大保险公司纷纷退出了一些退款政策来安抚客户。这里给大家总结下!<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Allstate】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>为保户退还4月及5月保费的15&percnt;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Esurance】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>属于Allstate,为保户退还4月及5月保费的15&percnt;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Liberty Mutual】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>为保户退还2个月保费的15&percnt;,同时从3&sol;23-5&sol;22之间,免除迟交续约保费的Late Fee<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Geico】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>在4&sol;8-10&sol;7之间购买或续保,可以享受15&percnt;off的折扣,但折扣只会用作credit到新一期Renew的保单当中<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Safeco】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>为保户退还2个月保费的15&percnt;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【American Family】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>为每辆车发放&dollar;50的支票<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Mercury】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>正在审批中,本周将会公布<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Travelers】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>自动退还4月&sol;5月15&percnt;的保费<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【State Farm】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>实际情况还在加州保险局审计当中,预计最晚下周公布。但如果保户在付款方面有困难,可联系保险公司最多延迟60天,没有罚款,或者客户可以选择暂停保单直到另行通知<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Farmers】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>4月汽车保费退还25&percnt;,商业保险部分类别退还20&percnt;,加州部分山火区房屋恢复承保,商业保险延长缴费宽限期,餐馆外卖车辆可随时以优惠价格加入保单。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>如果您投保的保险公司还没有公布相关政策,也请稍安勿躁,可以不时在保险公司官网上查询。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>我自己使用的是allstate的保险。我的agent告诉我,allstate是自动process所有的退款的。我的账户设置了从checking里自动扣款(因为有10&percnt; off折扣),所以到时候退款是打回到我连接的checking账户里。退款大概30天左右会到账上。当然也可以自己claim一下,可以加速。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>登陆官网或者app都能看见相关的提示:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YbbaSA1Picj3MgDh6N3FYFv1pZ9tCnum4MS0tNC7w6d41NtZWKRPJKJD7AeWTazaGHuYfbNGcRdO7A&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YbbaSA1Picj3MgDh6N3FYFv1tNS3OeFFhrOuEOricnydbk5dPvHX4ATnNDMib3jjfia5EkBcdmdUBJ2sQ&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【省钱小绝招-<&sol;strong><strong>Garage Plan<&sol;strong><strong>&nbsp&semi;】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>今天给大家分享一个,如果你最近都不开车,该怎么把车保险降到最少?不要车报销一般不太可能,在美国你的车如果去车管所注册了的话,必须要买保险的。一种思路是把全险降为半险。关于汽车保险我们以前介绍过:<a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448517&amp&semi;idx&equals;1&amp&semi;sn&equals;a7f82a755ff6dc2923b4290ebcc078c3&amp&semi;chksm&equals;88f4bd9fbf83348922c87adce5705b46b215ab5c7f4b607dde9f10f01d40fbb57f4e80dccca3&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">美国租车(1)概述<&sol;a>&nbsp&semi;科普过。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>还有一个思路就是claim你的车不需要开,要放车库啦。比如我们家两辆车,一辆SUV,一辆car,之前都是premium的全保。现在把小车申请了garage plan,这辆车半年的保险一下子减了&dollar;562,只要&dollar;100不到,之前是&dollar;620半年。改为garage plan以后,保险公司就默认你的车是不上路的,保的是天灾或者盗窃这样的人祸。Allstate还要求改为garage plan以后你的车需要有至少30天不上路(也就是保持这个Plan至少30天),如果之后需要重新开这个车,随时改回之前的保险计划,第二天就能生效。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>设置起来还挺方便的。allstate这边我就是给agent打了一个电话,前后一两分钟吧,然后十分钟以后进入online account完成一个电子签名就好了。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YbbaSA1Picj3MgDh6N3FYFv1UdbKtdFSbaE7U4aIcvW9IicJ5AEoRiaZcqQpDib0ibueJrjPo97elKxOdw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;

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