Qilu Evening News / reporter Wang Maolin photo / Reporter Wang Yuan
in the human insurance service hall, several citizens are consulting and handling business.
recently, Ms. Lee's love car arrived at the renewal time. In the last year, her insurance cost was 4800 yuan, the original insurance company gave her a price of about 4300 yuan, and the other insurance company's telephone insured only 3400 yuan. Considering the price factor, Ms. Li chose the latter decisively. However, Ms. Li also made a murmur, "the same car, how bad is the insurance price so big?"
[b] "package" [/b]
[b] will affect car insurance quotations [/b]
"every insurance is very faint, do not clear the way." There are many owners who have the same confusion with Ms. Lee. How can the car insurance quote so much difference?
"different types of choice, different insurance methods, and then consider the vehicle risk, the price of different insurance companies will be a lot worse." The design and claim of insurance company's car insurance products are carried out according to the three categories of A, B and C, and the design and guarantee range are different. At present, there are many kinds of car insurance commercial risks and additional risks. In the insurance "set meal", the increase and decrease of insurance will affect the price of car insurance, which belongs to the change of "way of food distribution". Like the main risk of the main risk, the third party liability insurance, robber robber, car personnel liability insurance, every kind of insurance premium is about 1000 yuan, insurance companies to provide insurance scheme, reduce one of the price, there will be a thousand yuan difference.
[b] phone or online insurance [/b]
[b] prices can be low 15%[/b]
it is understood that the choice of telephone or online insurance, the price is lower than the 4S store, intermediary agent, insurance company, and other channels 15% lower, this is because the use of the owner's own way to reduce the design and marketing costs of insurance products, equivalent to The insurance company's operating costs are correspondingly reduced to owners.
the premium difference for the same car in different years depends on the risk situation of the vehicle. If the insurance is fixed, the vehicle's risk in the last year will affect the discount of the premiums for the next year, so the premium is also increased and reduced, and the Regulatory Commission has a clear regulation.
for the same vehicle at the same time point, the people in the vehicle insurance industry suggest that the owner should pay attention to two points when the insurance is insured: one is the insurance company's plan specifically contains which kind of car insurance insurance; two is the insurance company's calculation of the new car price is not "shrinking".
"for example, vehicle owners often insured vehicle damage insurance, the most need to consider the insurance amount of the vehicle, popularly speaking is the vehicle price. Each insurance company has a certain floating range when determining the new car price. Some insurance companies in order to be more competitive in the quotation, in the case of communication with the owners, the lowest price of the new car price, so the overall price will be reduced. If the actual price is 200 thousand and the insurance company is calculated according to 110 thousand, the premium is low, but once the vehicle is out of danger, the loss caused by the 90 thousand price difference is to be borne by the owner himself. In this case, the owner of the car needs to pay special attention. " The people mentioned above.
[b] "designated driving" can save 10%[/b]
[b]. Others drive with an odds of [/b]
buying auto insurance. There is also a money saving trick. Because many private car drivers are generally the owners themselves or spouses, and generally drive locally, the probability of getting out of the car is almost zero. Therefore, such a car owner can choose the designated driver and designated Province in the contract of automobile insurance, and the price can be reduced by about 10%.
normally, two drivers can be designated for vehicle insurance. If the driver's driving vehicle is out of danger, it can compensate 100% of the amount, but if the driver is not designated to drive out of danger, it will increase the absolute loss rate of 10% when the claim is approved. Therefore, when buying a car insurance, a car owner can consider whether or not to designate driving according to his own needs, because the amount of his claim is different. In addition, after drinking, the owner also needs to consider the risk of finding a substitute for driving, so as to avoid the lack of claim due to danger.