{"id":10801,"date":"2021-06-26T08:19:00","date_gmt":"2021-05-13T05:19:56","guid":{"rendered":"https:\/\/blogavto.com\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/"},"modified":"2021-05-13T17:01:51","modified_gmt":"2021-05-13T14:01:51","slug":"srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g","status":"publish","type":"post","link":"https:\/\/blogavto.com\/cs\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/","title":{"rendered":"Pr\u016fm\u011brn\u00e9 sazby poji\u0161t\u011bn\u00ed vozidel podle v\u011bku (2021)"},"content":{"rendered":"<ul>\n<li> Nejv\u00edce za poji\u0161t\u011bn\u00ed vozidel plat\u00ed mladistv\u00ed \u0159idi\u010di a senio\u0159i. <\/li>\n<li> Pro rizikov\u00e9 \u0159idi\u010de jsou k dispozici slevy. <\/li>\n<li> Pro levn\u00e9 a kvalitn\u00ed poji\u0161t\u011bn\u00ed doporu\u010dujeme poji\u0161\u0165ovnu USAA nebo GEICO. <\/li>\n<\/ul>\n<p> Koup\u011b pojistn\u00e9 smlouvy m\u016f\u017ee b\u00fdt nep\u0159ehledn\u00e1, zejm\u00e9na proto, \u017ee pojistn\u00e9 ovliv\u0148uje mnoho faktor\u016f. A\u0165 u\u017e je v\u00e1m 25 nebo 85 let, pohled na pr\u016fm\u011brn\u00e9 sazby autopoji\u0161t\u011bn\u00ed podle v\u011bku v\u00e1m m\u016f\u017ee poskytnout u\u017eite\u010dnou p\u0159edstavu o tom, kolik byste m\u011bli platit za poji\u0161t\u011bn\u00ed. <\/p>\n<p> V tomto \u010dl\u00e1nku se dozv\u00edte, kolik v\u00e1s bude poji\u0161t\u011bn\u00ed st\u00e1t v z\u00e1vislosti na va\u0161em v\u011bku, a tak\u00e9 o n\u00e1roku na slevy pro r\u016fzn\u00e9 v\u011bkov\u00e9 skupiny. Hloub\u011bji jsme se pono\u0159ili do odv\u011btv\u00ed autopoji\u0161t\u011bn\u00ed a na\u0161li jsme nejlep\u0161\u00ed poji\u0161\u0165ovny na z\u00e1klad\u011b cenov\u00e9 dostupnosti, mo\u017enost\u00ed kryt\u00ed a dal\u0161\u00edch parametr\u016f. Chcete-li z\u00edskat bezplatnou nab\u00eddku od jednoho z na\u0161ich nejdoporu\u010dovan\u011bj\u0161\u00edch poskytovatel\u016f, vypl\u0148te n\u00ed\u017ee uveden\u00fd formul\u00e1\u0159 s PS\u010c. <\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"P\u0159epnut\u00ed tabulky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">P\u0159ep\u00edna\u010d<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogavto.com\/cs\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/#%D0%A1%D1%80%D0%B5%D0%B4%D0%BD%D0%B8%D0%B5_%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B8_%D0%B0%D0%B2%D1%82%D0%BE%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8F_%D0%BF%D0%BE_%D0%B2%D0%BE%D0%B7%D1%80%D0%B0%D1%81%D1%82%D1%83\" >Pr\u016fm\u011brn\u00e9 sazby poji\u0161t\u011bn\u00ed vozidel podle v\u011bku<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogavto.com\/cs\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/#%D0%9A%D0%B0%D0%BA%D0%B8%D0%B5_%D0%B5%D1%89%D0%B5_%D1%84%D0%B0%D0%BA%D1%82%D0%BE%D1%80%D1%8B_%D0%B2%D0%BB%D0%B8%D1%8F%D1%8E%D1%82_%D0%BD%D0%B0_%D0%B2%D0%B0%D1%88%D1%83_%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D1%83%D1%8E_%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D1%83\" >Jak\u00e9 dal\u0161\u00ed faktory ovliv\u0148uj\u00ed va\u0161i pojistnou sazbu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogavto.com\/cs\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/#%D0%9A%D0%B0%D0%BA%D0%B8%D0%B5_%D1%81%D0%BA%D0%B8%D0%B4%D0%BA%D0%B8_%D0%B4%D0%BE%D1%81%D1%82%D1%83%D0%BF%D0%BD%D1%8B\" >Jak\u00e9 slevy jsou k dispozici?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogavto.com\/cs\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/#%D0%9D%D0%B0%D1%88%D0%B8_%D0%B3%D0%BB%D0%B0%D0%B2%D0%BD%D1%8B%D0%B5_%D1%80%D0%B5%D0%BA%D0%BE%D0%BC%D0%B5%D0%BD%D0%B4%D0%B0%D1%86%D0%B8%D0%B8_%D0%BF%D0%BE_%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8E_%D0%B0%D0%B2%D1%82%D0%BE%D0%BC%D0%BE%D0%B1%D0%B8%D0%BB%D0%B5%D0%B9\" >Na\u0161e nejlep\u0161\u00ed tipy pro poji\u0161t\u011bn\u00ed vozidel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogavto.com\/cs\/srednie-stavki-strahovaniya-avtomobilej-po-vozrastu-2021-g\/#%D0%A7%D0%B0%D1%81%D1%82%D0%BE_%D0%B7%D0%B0%D0%B4%D0%B0%D0%B2%D0%B0%D0%B5%D0%BC%D1%8B%D0%B5_%D0%B2%D0%BE%D0%BF%D1%80%D0%BE%D1%81%D1%8B_%D1%81%D1%80%D0%B5%D0%B4%D0%BD%D0%B8%D0%B5_%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B8_%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8F_%D0%B0%D0%B2%D1%82%D0%BE%D0%BC%D0%BE%D0%B1%D0%B8%D0%BB%D0%B5%D0%B9_%D0%BF%D0%BE_%D0%B2%D0%BE%D0%B7%D1%80%D0%B0%D1%81%D1%82%D1%83\" >\u010casto kladen\u00e9 ot\u00e1zky: pr\u016fm\u011brn\u00e9 sazby poji\u0161t\u011bn\u00ed vozidel podle v\u011bku<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%D0%A1%D1%80%D0%B5%D0%B4%D0%BD%D0%B8%D0%B5_%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B8_%D0%B0%D0%B2%D1%82%D0%BE%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8F_%D0%BF%D0%BE_%D0%B2%D0%BE%D0%B7%D1%80%D0%B0%D1%81%D1%82%D1%83\"><\/span> Pr\u016fm\u011brn\u00e9 sazby poji\u0161t\u011bn\u00ed vozidel podle v\u011bku <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> N\u00ed\u017ee jsme sestavili seznam pr\u016fm\u011brn\u00fdch sazeb autopoji\u0161t\u011bn\u00ed podle v\u011bku na z\u00e1klad\u011b \u00fadaj\u016f ze zpr\u00e1vy Zebra 2019 State of Auto Insurance Report. Uveden\u00e9 pojistn\u00e9 odr\u00e1\u017e\u00ed n\u00e1klady na kryt\u00ed pro mu\u017ee, kter\u00fd \u0159\u00edd\u00ed v\u016fz st\u0159edn\u00ed velikosti z roku 2014 s dobrou \u0159idi\u010dskou histori\u00ed a limity odpov\u011bdnosti 50\/100\/50 se spolu\u00fa\u010dast\u00ed 500 USD na komplexn\u00ed a havarijn\u00ed poji\u0161t\u011bn\u00ed. <\/p>\n<table>\n<tbody>\n<tr>\n<th> V\u011bkov\u00e1 skupina <\/th>\n<th> Pr\u016fm\u011brn\u00e9 sazby poji\u0161t\u011bn\u00ed vozidel podle v\u011bku <\/th>\n<\/tr>\n<tr>\n<td> 16-19 <\/td>\n<td> $5,217. 5 217 USD <\/td>\n<\/tr>\n<tr>\n<td> 20-29 <\/td>\n<td> 1 979 USD. 1 979 USD <\/td>\n<\/tr>\n<tr>\n<td> 30-39 <\/td>\n<td> 1 449 USD. 1 449 USD <\/td>\n<\/tr>\n<tr>\n<td> 40-49 <\/td>\n<td> 1 396 USD. 1 396 USD <\/td>\n<\/tr>\n<tr>\n<td> 50-59 <\/td>\n<td> 1 296 USD. 1 296 USD <\/td>\n<\/tr>\n<tr>\n<td> 60-69 <\/td>\n<td> 1 325 USD. <\/td>\n<\/tr>\n<tr>\n<td> 70-79 <\/td>\n<td> 1 556 USD. 1 556 USD <\/td>\n<\/tr>\n<tr>\n<td> 80-85 <\/td>\n<td> 1 847 USD. 1 847 USD <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p> Podle na\u0161\u00ed studie pr\u016fm\u011brn\u00fdch sazeb autopoji\u0161t\u011bn\u00ed podle v\u011bku je nejvhodn\u011bj\u0161\u00ed v\u011bk pro sjedn\u00e1n\u00ed autopoji\u0161t\u011bn\u00ed mezi 30 a 60 lety. V t\u00e9to dob\u011b v\u00e1s ji\u017e poji\u0161\u0165ovny nepova\u017euj\u00ed za \u00abvysoce rizikov\u00e9ho\u00bb \u0159idi\u010de. V\u00fdpo\u010det rizika je zp\u016fsob, jak\u00fdm poji\u0161\u0165ovny stanovuj\u00ed pojistn\u00e9 za auto. \u010c\u00edm v\u011bt\u0161\u00ed je pravd\u011bpodobnost, \u017ee budete m\u00edt nehodu a budete pot\u0159ebovat poji\u0161t\u011bn\u00ed, t\u00edm v\u00edce zaplat\u00edte na pojistn\u00e9m. <\/p>\n<p> Za nejrizikov\u011bj\u0161\u00ed v\u011bkovou skupinu jsou pova\u017eov\u00e1ni mlad\u00ed a star\u0161\u00ed \u0159idi\u010di. Vzhledem k tomu, \u017ee mladistv\u00ed maj\u00ed s \u0159\u00edzen\u00edm m\u00e1lo zku\u0161enost\u00ed, vede jejich nedostatek \u010dasto k v\u011bt\u0161\u00edmu po\u010dtu nehod. Podle CDC se jen v roce 2017 mladistv\u00ed \u0159idi\u010di pod\u00edleli na 8% v\u0161ech smrteln\u00fdch dopravn\u00edch nehod, p\u0159esto\u017ee tvo\u0159\u00ed pouze 6% obyvatel USA. Na druhou stranu CDC uv\u00e1d\u00ed, \u017ee star\u0161\u00ed \u0159idi\u010di (ve v\u011bku 65+) se pod\u00edleli na 7 700 smrteln\u00fdch nehod\u00e1ch. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D0%9A%D0%B0%D0%BA%D0%B8%D0%B5_%D0%B5%D1%89%D0%B5_%D1%84%D0%B0%D0%BA%D1%82%D0%BE%D1%80%D1%8B_%D0%B2%D0%BB%D0%B8%D1%8F%D1%8E%D1%82_%D0%BD%D0%B0_%D0%B2%D0%B0%D1%88%D1%83_%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D1%83%D1%8E_%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D1%83\"><\/span> Jak\u00e9 dal\u0161\u00ed faktory ovliv\u0148uj\u00ed va\u0161i pojistnou sazbu? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Krom\u011b v\u011bku ovliv\u0148uje v\u00fd\u0161i pojistn\u00e9 sazby tak\u00e9 va\u0161e pohlav\u00ed, lokalita, typ vozidla, historie \u0159\u00edzen\u00ed a \u00fav\u011brov\u00e1 bonita. Pochop\u00edme, pro\u010d tyto faktory ovliv\u0148uj\u00ed va\u0161e riziko a n\u00e1sledn\u011b ovliv\u0148uj\u00ed v\u00fd\u0161i pojistn\u00e9ho. <\/p>\n<ul>\n<li><strong> Historie \u0159\u00edzen\u00ed. <\/strong> Pokud jste byli \u00fa\u010dastn\u00edky v\u00edce nehod, poji\u0161\u0165ovna na z\u00e1klad\u011b t\u011bchto \u00fadaj\u016f p\u0159edpov\u00ed va\u0161e budouc\u00ed \u0159idi\u010dsk\u00e9 n\u00e1vyky. <\/li>\n<li><strong> Paul. <\/strong> A\u010dkoli je tento faktor p\u0159edm\u011btem diskuse, n\u011bkter\u00e9 st\u00e1ty \u00fa\u010dtuj\u00ed rozd\u00edln\u00e9 sazby pro mu\u017ee a \u017eeny. \u017deny mus\u00ed \u010dasto platit vy\u0161\u0161\u00ed pojistn\u00e9. <\/li>\n<li><strong> Typ vozidla <\/strong>. Bezpe\u010dn\u011bj\u0161\u00ed vozidla zaji\u0161\u0165uj\u00ed poskytovatel\u016fm, \u017ee je men\u0161\u00ed pravd\u011bpodobnost, \u017ee budete p\u0159i nehod\u011b v\u00e1\u017en\u011b zran\u011bni. To se t\u00fdk\u00e1 i \u0159idi\u010d\u016f, kte\u0159\u00ed maj\u00ed z\u00e1jem o poji\u0161t\u011bn\u00ed mechanick\u00e9 poruchy. <\/li>\n<li><strong> \u00dav\u011brov\u00fd rating <\/strong>. A\u010dkoli se tyto \u00fadaje nepou\u017e\u00edvaj\u00ed tak \u010dasto, n\u011bkter\u00e9 poji\u0161\u0165ovny mohou pou\u017e\u00edt va\u0161e kreditn\u00ed sk\u00f3re k p\u0159edpov\u011bdi va\u0161eho rizika, proto\u017ee \u0159idi\u010di s ni\u017e\u0161\u00edm kreditn\u00edm sk\u00f3re mohou \u010dast\u011bji pod\u00e1vat \u017e\u00e1dosti o pojistn\u00e9 pln\u011bn\u00ed. <\/li>\n<li><strong> Um\u00edst\u011bn\u00ed: <\/strong> hust\u0161\u00ed a hust\u011bji os\u00eddlen\u00e9 oblasti vedou k v\u011bt\u0161\u00edmu provozu, co\u017e pro \u0159idi\u010de p\u0159edstavuje v\u011bt\u0161\u00ed riziko. Pokud \u0159\u00edd\u00edte v m\u00edst\u011b, jako je New York nebo Los Angeles, zaplat\u00edte v\u00edce ne\u017e \u0159idi\u010d ve venkovsk\u00e9m m\u011bst\u011b. <\/li>\n<\/ul>\n<p> P\u0159i posuzov\u00e1n\u00ed n\u00e1klad\u016f na poji\u0161t\u011bn\u00ed je t\u0159eba vz\u00edt v \u00favahu i dal\u0161\u00ed prvky, jako je rodinn\u00fd stav a povol\u00e1n\u00ed, ale v\u00fd\u0161e uveden\u00e9 faktory jsou nejd\u016fle\u017eit\u011bj\u0161\u00ed. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D0%9A%D0%B0%D0%BA%D0%B8%D0%B5_%D1%81%D0%BA%D0%B8%D0%B4%D0%BA%D0%B8_%D0%B4%D0%BE%D1%81%D1%82%D1%83%D0%BF%D0%BD%D1%8B\"><\/span> Jak\u00e9 slevy jsou k dispozici? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Pokud pat\u0159\u00edte do v\u011bkov\u00e9 skupiny \u0159idi\u010d\u016f s vysok\u00fdm rizikem, mo\u017en\u00e1 v\u00e1s zaj\u00edm\u00e1, zda m\u00e1te n\u00e1rok na slevy. N\u00ed\u017ee se m\u016f\u017eete pod\u00edvat, kolik byste mohli v pr\u016fm\u011bru u\u0161et\u0159it, pokud byste vyu\u017eili \u0159adu slev souvisej\u00edc\u00edch s v\u011bkem u na\u0161ich nejdoporu\u010dovan\u011bj\u0161\u00edch poji\u0161\u0165oven. <\/p>\n<table>\n<tbody>\n<tr>\n<th> poji\u0161\u0165ovna <\/th>\n<th> Slevy na nov\u00e9 \/ <br \/> Dosp\u00edvaj\u00edc\u00ed \u0159idi\u010di <\/th>\n<th> Slevy na <br \/> Studenti <\/th>\n<th> Slevy na <br \/> Z\u00e1vazek spot\u0159ebitele <\/th>\n<th> Slevy na <br \/> Dobr\u00e1 j\u00edzda <\/th>\n<\/tr>\n<tr>\n<td> USAA <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<\/tr>\n<tr>\n<td> GEICO <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> 15% <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> 26% <\/td>\n<\/tr>\n<tr>\n<td> St\u00e1tn\u00ed statek <\/td>\n<td> 15% <\/td>\n<td> 25% <\/td>\n<td> 17-20% <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<\/tr>\n<tr>\n<td> Progresivn\u00ed <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> Li\u0161\u00ed se <\/td>\n<td> $ 145 v pr\u016fm\u011bru <\/td>\n<\/tr>\n<tr>\n<td> AAA <\/td>\n<td> 20% <\/td>\n<td> 10% <\/td>\n<td> 5% <\/td>\n<td> 20% <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p> V\u011brnostn\u00ed slevy a slevy za dobrou j\u00edzdu p\u0159\u00edmo nesouvis\u00ed s va\u0161\u00edm v\u011bkem, ale vy\u017eaduj\u00ed ur\u010dit\u00fd po\u010det let v\u011brnosti nebo prevence nehod, tak\u017ee s p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem m\u00e1te v\u011bt\u0161\u00ed \u0161anci na z\u00edsk\u00e1n\u00ed slevy. V\u011bt\u0161ina poji\u0161\u0165oven m\u00e1 seznam t\u011bchto a dal\u0161\u00edch slev k dispozici na sv\u00fdch webov\u00fdch str\u00e1nk\u00e1ch. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D0%9D%D0%B0%D1%88%D0%B8_%D0%B3%D0%BB%D0%B0%D0%B2%D0%BD%D1%8B%D0%B5_%D1%80%D0%B5%D0%BA%D0%BE%D0%BC%D0%B5%D0%BD%D0%B4%D0%B0%D1%86%D0%B8%D0%B8_%D0%BF%D0%BE_%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8E_%D0%B0%D0%B2%D1%82%D0%BE%D0%BC%D0%BE%D0%B1%D0%B8%D0%BB%D0%B5%D0%B9\"><\/span> Na\u0161e nejlep\u0161\u00ed tipy pro poji\u0161t\u011bn\u00ed vozidel <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Je d\u016fle\u017eit\u00e9 vz\u00edt v \u00favahu pr\u016fm\u011brn\u00e9 sazby autopoji\u0161t\u011bn\u00ed v autopoji\u0161t\u011bn\u00ed podle v\u011bku, ale nezapome\u0148te vyhodnotit jak\u00e9hokoli potenci\u00e1ln\u00edho pojistitele na z\u00e1klad\u011b pokryt\u00ed, z\u00e1kaznick\u00e9ho servisu a efektivity n\u00e1klad\u016f. Prov\u011b\u0159ili jsme v\u0161echny hlavn\u00ed poji\u0161\u0165ovny poskytuj\u00edc\u00ed poji\u0161t\u011bn\u00ed vozidel a zam\u011b\u0159ili se na tyto faktory. Na z\u00e1klad\u011b tohoto pr\u016fzkumu jsme zjistili, \u017ee nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed na trhu nab\u00edzej\u00ed spole\u010dnosti USAA a GEICO. <\/p>\n<p> V\u00edce informac\u00ed o t\u011bchto spole\u010dnostech najdete n\u00ed\u017ee nebo si m\u016f\u017eete porovnat ceny vypln\u011bn\u00edm tohoto formul\u00e1\u0159e: <\/p>\n<h3> GEICO: Celkov\u011b nejlep\u0161\u00ed <\/h3>\n<p> Poji\u0161t\u011bn\u00ed vozidel GEICO, kter\u00e9 je dostupn\u00e9 ve v\u0161ech 50 st\u00e1tech, z\u00edskalo v na\u0161em oborov\u00e9m p\u0159ehledu vysok\u00e9 hodnocen\u00ed. L\u00edbila se n\u00e1m zejm\u00e9na \u0161irok\u00e1 nab\u00eddka slev pro z\u00e1kazn\u00edky. Poji\u0161\u0165ovna m\u00e1 jednu z nejlep\u0161\u00edch dostupn\u00fdch m\u011bn v podob\u011b mobiln\u00ed aplikace, kterou mohou \u0159idi\u010di pou\u017e\u00edvat k pod\u00e1v\u00e1n\u00ed \u017e\u00e1dost\u00ed o pojistn\u00e9 pln\u011bn\u00ed, p\u0159\u00edstupu k pojistn\u00fdm kart\u00e1m, prohl\u00ed\u017een\u00ed a \u00faprav\u011b pojistn\u00fdch smluv a dal\u0161\u00edm \u010dinnostem. Z\u00e1kazn\u00edci spole\u010dnosti GEICO tak maj\u00ed pohodln\u011bj\u0161\u00ed p\u0159\u00edstup k poji\u0161t\u011bn\u00ed. <\/p>\n<h3> USAA: Nejlep\u0161\u00ed pro vojensk\u00e9 rodiny <\/h3>\n<p> Autopoji\u0161t\u011bn\u00ed USAA, a\u010dkoli se vztahuje pouze na vojensk\u00fd person\u00e1l a jeho rodiny, si vedlo dob\u0159e ve v\u0161ech kategori\u00edch zahrnut\u00fdch v na\u0161em p\u0159ehledu pojistitel\u016f. M\u016f\u017ee se pochlubit vynikaj\u00edc\u00ed pov\u011bst\u00ed, v\u010detn\u011b hodnocen\u00ed A++ od spole\u010dnosti AM Best, a nab\u00edz\u00ed spoustu slev, d\u00edky nim\u017e je va\u0161e pojistn\u00e1 smlouva cenov\u011b dostupn\u011bj\u0161\u00ed. USAA nem\u00e1 fyzick\u00e9 pobo\u010dky, ale p\u0159esto z\u00e1kazn\u00edci hl\u00e1s\u00ed v\u011bt\u0161inou pozitivn\u00ed zku\u0161enosti se z\u00e1kaznick\u00fdm servisem. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D0%A7%D0%B0%D1%81%D1%82%D0%BE_%D0%B7%D0%B0%D0%B4%D0%B0%D0%B2%D0%B0%D0%B5%D0%BC%D1%8B%D0%B5_%D0%B2%D0%BE%D0%BF%D1%80%D0%BE%D1%81%D1%8B_%D1%81%D1%80%D0%B5%D0%B4%D0%BD%D0%B8%D0%B5_%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B8_%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8F_%D0%B0%D0%B2%D1%82%D0%BE%D0%BC%D0%BE%D0%B1%D0%B8%D0%BB%D0%B5%D0%B9_%D0%BF%D0%BE_%D0%B2%D0%BE%D0%B7%D1%80%D0%B0%D1%81%D1%82%D1%83\"><\/span> \u010casto kladen\u00e9 ot\u00e1zky: pr\u016fm\u011brn\u00e9 sazby poji\u0161t\u011bn\u00ed vozidel podle v\u011bku <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3> V jak\u00e9m v\u011bku je poji\u0161t\u011bn\u00ed auta nejlevn\u011bj\u0161\u00ed? <\/h3>\n<p> Podle Studie poji\u0161t\u011bn\u00ed 2019 budete m\u00edt n\u00e1rok na nejlevn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed auta po pades\u00e1tce. V t\u00e9to v\u011bkov\u00e9 skupin\u011b \u010din\u00ed pr\u016fm\u011brn\u00e9 ro\u010dn\u00ed pojistn\u00e9 1 296 USD. <\/p>\n<h3> V jak\u00e9m v\u011bku je nejlep\u0161\u00ed uzav\u0159\u00edt poji\u0161t\u011bn\u00ed vozidla? <\/h3>\n<p> Nejlep\u0161\u00ed v\u011bk pro sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed vozidla je mezi 20 a 50 lety. V t\u00e9to dob\u011b p\u0159edstavujete pro poji\u0161\u0165ovny nejmen\u0161\u00ed riziko, proto\u017ee m\u00e1te v\u00edce zku\u0161enost\u00ed na silnici a nejste kv\u016fli sv\u00e9mu v\u011bku ve zraniteln\u00e9 pozici. <\/p>\n<h3> Jak\u00e9 jsou pr\u016fm\u011brn\u00e9 n\u00e1klady na poji\u0161t\u011bn\u00ed auta pro 25let\u00e9? <\/h3>\n<p> Podle studie 2019 Insurance Study \u010din\u00ed pr\u016fm\u011brn\u00e9 n\u00e1klady na poji\u0161t\u011bn\u00ed auta pro 25let\u00e9ho \u010dlov\u011bka p\u0159ibli\u017en\u011b 1 600 USD. <\/p>\n<h3> Kolik stoj\u00ed poji\u0161t\u011bn\u00ed auta pro 22let\u00e9ho \u010dlov\u011bka? <\/h3>\n<p> N\u00e1klady na poji\u0161t\u011bn\u00ed auta pro dvaadvacetilet\u00e9ho mlad\u00edka \u010din\u00ed p\u0159ibli\u017en\u011b 2100 dolar\u016f ro\u010dn\u011b. V tomto v\u011bku jste st\u00e1le rizikov\u00fdm \u0159idi\u010dem, ale m\u00e1te v\u00edce \u0159idi\u010dsk\u00fdch zku\u0161enost\u00ed ne\u017e \u0161estn\u00e1ctilet\u00fd mlad\u00edk, kter\u00fd \u0159\u00edd\u00ed poprv\u00e9. <\/p>","protected":false},"excerpt":{"rendered":"<p>\u0411\u043e\u043b\u044c\u0448\u0435 \u0432\u0441\u0435\u0433\u043e \u0437\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443 \u0430\u0432\u0442\u043e\u043c\u043e\u0431\u0438\u043b\u044f \u043f\u043b\u0430\u0442\u044f\u0442 \u0432\u043e\u0434\u0438\u0442\u0435\u043b\u0438-\u043f\u043e\u0434\u0440\u043e\u0441\u0442\u043a\u0438 \u0438 \u043f\u043e\u0436\u0438\u043b\u044b\u0435 \u043b\u044e\u0434\u0438. \u0421\u043a\u0438\u0434\u043a\u0438 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b \u0434\u043b\u044f \u043a\u043e\u043c\u043f\u0435\u043d\u0441\u0430\u0446\u0438\u0438 \u0437\u0430\u0442\u0440\u0430\u0442 \u0432\u043e\u0434\u0438\u0442\u0435\u043b\u0435\u0439 \u0438\u0437 \u0433\u0440\u0443\u043f\u043f\u044b \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430. \u041c\u044b \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u043c USAA \u0438\u043b\u0438 GEICO \u0434\u043b\u044f \u043d\u0435\u0434\u043e\u0440\u043e\u0433\u043e\u0433\u043e \u0438 \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f. \u041f\u043e\u043a\u0443\u043f\u043a\u0430 \u043f\u043e\u043b\u0438\u0441\u0430 \u0430\u0432\u0442\u043e\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043c\u043e\u0436\u0435\u0442 \u0431\u044b\u0442\u044c \u0437\u0430\u043f\u0443\u0442\u0430\u043d\u043d\u044b\u043c \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u043e\u043c, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u043f\u043e\u0442\u043e\u043c\u0443, \u0447\u0442\u043e \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u0435\u0442 \u043c\u043d\u043e\u0436\u0435\u0441\u0442\u0432\u043e \u0444\u0430\u043a\u0442\u043e\u0440\u043e\u0432, \u0432\u043b\u0438\u044f\u044e\u0449\u0438\u0445 \u043d\u0430 \u0440\u0430\u0437\u043c\u0435\u0440 \u0432\u0430\u0448\u0435\u0439 \u043f\u0440\u0435\u043c\u0438\u0438. \u041d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e \u043e\u0442 \u0442\u043e\u0433\u043e, 25 \u0432\u0430\u043c \u0438\u043b\u0438 85 [&hellip;]<\/p>\n","protected":false},"author":495,"featured_media":10802,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[3662],"tags":[],"class_list":["post-10801","post","type-post","status-publish","format-standard","has-post-thumbnail","category-strahovanie-avtomobilya"],"_links":{"self":[{"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/posts\/10801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/users\/495"}],"replies":[{"embeddable":true,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/comments?post=10801"}],"version-history":[{"count":2,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/posts\/10801\/revisions"}],"predecessor-version":[{"id":11178,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/posts\/10801\/revisions\/11178"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/media\/10802"}],"wp:attachment":[{"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/media?parent=10801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/categories?post=10801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogavto.com\/cs\/wp-json\/wp\/v2\/tags?post=10801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}