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Data:2009-12-12 2:34
Buying economy cars, natural to use the most economical to pay in exchange for the greatest pleasure. In other words, to get the economy-type cars truly "economic," it is the use of cost must also be careful calculations. Recently, the author of the nation's auto insurance market, 10 large cities conducted a price survey, I believe this survey on consumer buying economy cars will have a certain reference value.
According to insurance companies, due to numerous economic cars Chuxian rate varies, and the spare parts are also relatively large difference between the price, so insurers are more cautious in the insurance context. Chuxian rates and spare parts for those higher prices than those models, but the loss of vehicle insurance and other insurance to take 10 ~ 20% premium increase and other measures, and some insurance companies even high rate models Chuxian direct exclusions . In contrast, stable quality, spare parts, relatively low price models, it can get the premium discount, and thus there is less than ideal the actual premium of the premium actually a good feature.
To now on the market as very high 5.38 million Xiali N31.0L sedan, for example, the author consulted the PICC, Ping An, the Pacific, China and Thailand and other well-known insurance companies, choose the type of auto insurance are: Loss of vehicles (all insurance), third-party liability insurance (50000 orders of magnitude), the entire vehicle looted, leaving the officers liability insurance, broken glass, a separate insurance (domestic glass), the basic insurance deductible and is not counted, excluding seven common types of insurance deductibles, etc. . CHARADE N31.0L big insurance companies given the average actual premium sedan and the ideal premium of 150 yuan of the gap, that is, in the Xiali insured, the insurance companies were given different levels of concessions. Although the amount of such preferences is not very large, but the economy car itself, in terms of prices around 50,000 yuan, can have such a concession has been very eye-catching.
In this regard, I specially consulted the insurance salesman. According to the interpretation of insurance salesman, general insurance companies for different brands, different types of models are given a premium factor, under normal circumstances, the premium coefficient is 1. However, if the models Chuxian rate is relatively high, insurance companies do not trust their quality, or that its parts are too expensive, then the premium factor will be greater than 1; if the product quality and accessories prices more in line with standard insurance companies, insurance companies, will be given certain concessions, its premium factor will be less than 1, Xiali This is the case (based on the above results, the actual premium Xiali coefficient of 0.956).
In addition to reminding consumers to pay special attention to the premium factor, we visited, the insurance experts also gives some suggestions. At present, owners face more than the basic insurance and additional insurance, often confused. Consumers will often choose to spend a lot of time on the model, while the link to the insured, but are too often based on the recommendation of an agent to buy. This results in either inadequate protection, or a waste of premiums. In order to put the money is really spent on the knife's edge, consumers should read the insurance terms, the careful study of the coverage, exclusions, according to the actual scope of protection and the final price of the insurance companies make a wide range of comparison, the final selection of the most able to meet owners of vehicles required and the relevant insurance companies.
