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Data:2009-12-12 2:34
"Buy auto insurance, find a good home insurance, cheap on-line, and where there are so many requests!" This is probably the majority of drivers insured for the car when the general belief is not true, buy auto insurance but also to distinguish bus or private cars, Zaiqu choose insurance companies, private cars and car purchase auto insurance unit of time is different.
Vehicles owned nearly thousand dollars difference between the different premiums
Last week, reader mail received feedback from the consultation a gentleman surnamed Zhang, the same price of vehicles, because everyone is different from the price difference of nearly a thousand dollars.
Mr. Zhang is a foreign person in charge of human resources, in February of this year, and bought a 240,000 yuan of the Accord. Because it is new car, Mr. Zhang in choosing insurance to pay special attention, from the main risk to the additional risks related to readily available, cost a total of nearly six thousand dollars.
In March, Mr. Zhang vehicle unit premium due, and to re-pay the insurance costs. As the price of the vehicle itself and the price of Mr. Wang's Accord little difference between the insurance portfolio is basically the same, Mr. Zhang will pay attention to the unit cost of vehicle insurance. Units of the car was found on only Che Sunxian several hundred dollars cheaper, the whole combination of auto insurance premiums is a difference of nearly thousand dollars. Their vehicles were new, but there is no previous driving record Chuxian, why the price difference so much? In this regard, Mr. Zhang puzzled.
The public and private must be clear and accurate auto insurance before
Author from the relevant insurance company learned of the responsible persons: With the changing market conditions, each insurance company's actuarial risk is different. Due to the different nature of each vehicle, there are units in cars, but also the family car, for these two aspects, the relevant insurance companies to set rates are also more user-friendly, there will be a certain amount of gap.
After all, enterprises in the management and maintenance of vehicles, as well as on the driver's selection of relatively more standardized than the individual, therefore, the relative probability of Chuxian relatively small premium of course, cheaper than the private car.
Regardless of insurance or personal insurance unit, must in accordance with their use of cars to choose the right auto insurance and insurance companies.
Vehicle Insurance: Unit vehicles have a fixed parking spaces and garages, and the driver's driving experience relatively long, and no traffic accident records, the design of vehicle insurance can choose a basic protection, thus reducing the premiums; if personal vehicles, but also novice, a combination of insurance should a little more, so that security will be more comprehensive.
Insurance: The insurance companies are now setting product design and rates are beginning to take market-oriented line, therefore, private cars and flats to buy auto insurance when the car is also going to select the appropriate insurance company, not necessarily large, there are the brand is the best, the key is to see whether the insurance companies will give their best to provide cost-effective combination of auto insurance.
Car insurance pay attention to the order of
Now, with the fierce market competition, auto insurance, some insurance companies began to policyholders on the subdivision. Some are specifically for commercial vehicles and non-commercial vehicles, as well as the specific units of vehicles insured. Therefore, different users to their own insurance when the vehicle should be treated differently.
First need to determine the scope of protection of their vehicles need to what aspects of the protection; Secondly, we should look for insurance companies to provide these guarantees, in between them to compare products and claims service; Finally, the product portfolio according to their own inquiry, focusing on understanding of their floating rate coefficients are given. After this speech compared to finalize the insurance company.
Editor's Note
Different insurance companies because of the difference between target customers, and therefore the premium and settlement services are different. Imagine, the same property, insurance companies, one for private cars as their main customer base, and another will be the bus as their main customer groups in the rates between the design and claims services, of course there will be significant differences in . Therefore, we at the time of purchase of vehicle insurance must be elected to the insurance companies, selected services
