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Data:2009-12-12 2:34
Shanghai Auto Show held late last month was bustling. BMW, Mercedes-Benz, Audi and so on handlebars Shanghai Auto Show for the first time rose to a truly international auto show; Ferrari, Rolls Royce, Spyker expedition thousands of miles to Shanghai; Chery, Red Flag, China, BYD bringing together ... ...
Many people look at cars, more people want to buy a car, buy a new car to be on auto insurance, but would like to buy a car with auto insurance will have to calculate, including the cost of which car to buy a more cost-effective, take a look at new car what to buy insurance? Which way can be insured? The current level of Shanghai's auto insurance rates? What are the company's auto insurance price comparison high? Which vehicle insurance not buy?
How to choose an underwriting unit?
A ratio Price: finding out as an insurance unit, to look at cost-effective, simple and said that we must consider the price and service an integrated, single-price may be considered difficult or claims will ultimately face the possibility of maintenance problems.
Generally speaking, in the auto insurance rates for certain circumstances, the amount of insurance policyholders to determine the number of the larger, the more the premium paid.
Che Sunxian rate changes, mainly depending on the model, the owner of driving age, vehicle life and past claims of such changes. Rate level of the insurers are quite different choice of different types of insurance, the policyholder detailed consultation best insurance policies, content, and according to its own economic situation, condition, and insurance needs to make a choice.
Because auto insurance in the country as a whole is still belong to a loss of insurance, the insurance company a certain position in the market, such as the People's Insurance, Pacific Insurance and Ping An Insurance, etc., often compared to the insured value of quality, price is above average level of the market, especially the People's Insurance, After a few adjustments, prices remain high, and 500 yuan in the domestic first set of deductibles (that is, settlement of claims of less than 500 yuan from the insured take care of themselves).
The newly developed financial insurance companies, there are two types, one type is often the need for competition and lower prices to attract customers. The other are those such as the balance of professional insurance, including auto insurance company (currently the only such one in the future there will be a lot of vehicles of professional insurance companies appear), such professional insurance company's customer orientation is relatively high, the price is higher side.
More than two services: Although the People's Insurance and other major auto insurance companies in the market prices are not low, but these large companies because of signing the maintenance of units, maintenance convenience, claims faster. People's Insurance has signed with 85 companies committed to the maintenance agreement, less than 5,000 yuan compensation, policyholders do not need their own payments, life insurance, after receiving the report will be 7 working days to complete survey, will be hurt and adjustments (to the maintenance providers) and other services.
The balance of services have auto insurance in developed countries to the line, such as motor vehicle insurance policyholders will receive professional lectures, providing self-service mapping packages and other services. Self-survey package includes a one-time insurance providers from the balance camera, chalk, rolls, a number of claims forms, etc., within a certain amount insured in the accident, no insurance company survey, by the insured person will shoot a good scene, camera, mailed to the insurance company to complete the insurance.
By contrast, some of the market by price war to obtain a new insurance company, due to the maintenance point of signing less losses and other reasons, the claims service, there may be some shortcomings.
How to pick the right car insurance?
Current auto insurance two main categories: loss of vehicle insurance and third party liability insurance, the former belonging to commercial insurance, self-determining whether the insurance, while the latter is compulsory insurance. Whether it is commercial insurance or compulsory insurance, should be based on price, service, their vehicles select the appropriate insurance coverage.
Let me talk about Chesun Xian, from the careful planning point of view, ordinary family car, buy insurance portfolio Recommended: Loss of vehicles third party liability insurance + insurance + deductible, excluding special risk + the entire vehicle Daoqiang Xian insurance, so that people are most concerned about loss and 100% payment and other major risks are guaranteed, the premiums are not high, but in the future be able to guarantee full compensation. If buying a Mercedes-Benz, Audi such a high-end cars, the event by others in the body to draw on a maliciously wounds, repair costs would be very expensive, therefore, need to be carefully considered on the basis of the former, then the loss to buy body injuries risk profile of glass and wind insurance, almost all vehicle-related incidents of loss can be compensated, there is the strength of consumers, the amount may also wish to set a little higher.
In addition to Chesun Xian, the third-party liability insurance is mandatory insurance, vehicle owners must have this policy in order to Sheung. Third-party liability insurance is divided into two parts, including 4 million in legal insurance, and the rest were commercial insurance.
At present, Shanghai's third-party liability insurance rates for a unified, individual insurance companies auto insurance insurance regulatory reference data platform Shanghai relevant data on the same vehicle using uniform criteria for the charges. Earlier, before a data reference: Current rates are divided into fourth gear: 10 million yuan, 200,000 yuan, 50 million and 1 million yuan, the stall rate of 15% of the rate of change, of which 10 million yuan Benchmark rate of 1560 yuan, the rate of re-file policies carried out under the car and the Chuxian adjustment factor. However, the data for reference only recently may be adjusted.
How to choose insurance auto insurance channels?
At present a variety of ways auto insurance coverage, there are a variety of channels to choose from:
By car dealers, auto repair business insurance agent: At present, many units of the Division signed an agreement with the insurance company to become insurance agent. You can through a proxy to buy insurance, of course, choose to buy insurance agents need to pay more some of the costs.
Note: Agent determination in order to contribute to insurance policyholders, it might give a certain percentage discount. The company's discount percentage varies, owing to the prices in different auto insurance companies, discount and more is not necessarily the cheapest; each agent for only a few insurance companies, suggested that we first select the appropriate insurance company, and then decided to Which agents to handle; agent highly recommended the policy, may be the insurance agent the highest commission, not necessarily the most appropriate insurance policy. For auto insurance, the prices of important services to even more important. After the policy to get the best policy with the insurance company confirm the effectiveness and validity.
Personally went to the insurance companies: Insurance companies are also operating outside the window, relatively speaking, the Chinese People's Insurance, Ping An Insurance, Pacific Insurance three largest property insurer, its own outlets greater, the insured can choose the right insurance company to spend some time in person to apply for insurance.
Phone insurance: insurance company opened a dedicated service phone number, insurance companies have dedicated staff to answer the call to answer questions and assist in the insurance procedures.
Network coverage: Insurance companies set up a special website to provide online coverage, the kinds of self-insurance mode selectivity, those familiar with the insurance applies to customers in comparison.
Which details can not forget?
Complete the insurance policy, consumers do not forget the following details:
First, ask for the insurance provisions, the insurance provisions are an important part of the insurance contract. When signing the insurance contract, the owner must request Yaogen salesman; and ask what the insurance claims process, to clarify under what circumstances it reported to insurance companies, through which channels can be reported, the reporting period is how long such questions have to be asked clear. Third, we must look at deductible clause deductible for the insurance salesman make clear several situations, so that idea in mind.
Finally, the insurance contract after the signing of what must be called check the authenticity signed by the policy.
