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Data:2009-12-12 2:34
To protect people and vehicles to insurance, which can not be Which will lead to less costly end point is also well deserved, but this year, many people have found that compared with previous years, this year's insurance premiums have gone up a lot of this .
Mr. Liu in Beijing last year, bought a car, but also renewal in March of this year, so how he could not understand that this year the cost of his auto insurance more expensive than last year and several hundred dollars, of which Che Sunxian on the more expensive 10 %, insurance companies, said Mr. Liu, such a person is a high-risk customers.
Mr. Liu Ting wronged, how he wanted to own the high-risk, and no reason to increase premiums for several hundred dollars. Originally thought that only himself so unlucky can ask a friend to ask around and found that they also encountered auto insurance cost increases.
So many people feel that the high cost of auto insurance, auto insurance is not really gone up? Experts said the rate adjustment this year, from the industry terms it is an inevitable trend, because last year's point of view, the overall auto insurance market, each company operations became very difficult. Even if some companies are now the terms of the rates did not increase obviously, but also by other means to do price adjustments.
However, insiders point out that this year the increase in costs facing the auto insurance clients are those high-risk customers, the reporter saw at the Beijing branch of Ping An has just introduced a new version of auto insurance, the premiums for high-risk vehicles, the highest growth rate reached 70% . So what kind of car are high-risk vehicles?
Head of the Central University of Finance and Insurance, said Su Hao Yin, who first novice, just Sheung will surely scratch Cengceng situation; two bad records in the past, there have been if the accident record; three possible bad or repair, owing to conditions maintenance is not in place, age older car will always malfunction.
Experts point out that those who are not mass production of new cars, spare parts procurement costs due to higher maintenance costs more expensive and, therefore, each company was classified as high-risk vehicles.
If your car has just listed are not yet in mass production of new models, then your risk factor of a star
If you open both the production of smaller cars, is also a new driver, then your risk factor is necessary to promoted to two stars
If you open a new car is a novice, in the past year, unfortunately, also published risk, then your risk factor is necessary to promoted to three stars. Do not think that this stars the better, the more stars will mean for the car you want to pay more premiums. To get the premium down, the attention quite a bit.
Life Tip 1: buy a car think about that before
To save auto insurance costs, may be a lot of friends in the car, when we have to first weigh weigh. Because of some very sought-after models because of the risk factors a number of high premiums, you see, like polo, Bora Ju Sunxian on these cars this year alone rose 20%. So you buy a car insurance costs have become one of the factors taken into account, since cars last input, auto insurance is to be paid every year.
Life Tip 2: Safe Driving mind mind
More and more cars, traffic has become increasingly complex, the string of safe driving can be moments can not relax. This year is not Chuxian, next year's premium to enjoy the benefits, with the increase in the number Chuxian premiums have soared. So let's drive safely not only the safety of the lives, but also on the Let's wallet.
Life Tip 3: Chuxian from time to time advocated
Cars on the road, it is inevitable there is finally in sight, the driver first, before a sense of compounding, and then the grounds of their own to find out the accident insurance companies lose money in the future if you go on like this, they will face because of the high rate of Chuxian high premium , might rise in premiums than you earn more than this point, it may from time to minus the pound-foolish.
Life Tip 4: Select the deductible
If you feel that 300,500 small injuries, instead of looking for insurance companies not as good as their own repair got, then you can choose to save a certain deductible premiums. Think about buying insurance is actually to buy protection, so choose a good insurance company is also very important because after the car of cultivation Chuxian is convenient and fast, smooth and claims it could all get to see it.
Said 1000 10000, buy insurance, or to buy protection, so choose a good insurance company is also very important, because, after Chuxian of cultivation is fast and convenient, whether it is smooth and can lose the whole to look at it, then how can we choose to go to a good insurance companies do? To listen to expert advice.
Choose from three insurance companies, first, to understand his coverage of the branches, usually an insurance company branches of the broader the scope the more the better for your service; second look at his capital strength, this through a number of statements can be seen; third is a soft target, that is, look at its market reputation among consumers, in the dealers were, in other management clients were, through these three areas can understand the insurance companies basic state.
