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Data:2009-12-12 2:34
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.
In order to better make a comparison, the reporter chose Xiali N3 1.0L sedan, Geely Ulion Liang Jing 1.3L, Chery QQ 1.1L Avantgarde, as well as antelope OK manual standard the four mainstream economy cars, 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 vehicle insurance (all risks), third-party liability insurance (50000 orders of magnitude), the entire vehicle looted, leaving the staff responsibilities insurance, broken glass, a separate insurance (domestic glass), the basic insurance deductible and is not counted, excluding deductibles, etc. 7 common insurance. The following table is a major insurance company in the consolidated Beijing drawn on the basis of the average premium. We can see that the actual premium and ideals premiums (assuming there is no model, quality, parts prices, gaps, only purchase price of the different) access is not small, especially for the economy car itself is about 50,000 yuan the price is concerned, such a large difference is even more eye-catching.
The reason why is there such a difference, according to insurance salesman explained that the main reason is that a loss of vehicle insurance. In this one where the insurance company Geely, Chery Both cars have increased by 15% of the premium. In fact, every insurance company will be a different brand, 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 in their model coefficients will be less than 1.
In addition to reminding consumers to pay special attention to the factors that car insurance constraints, 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.
Table 1: Domestic car insurance premiums of the mainstream economy Glance
Model
Price Ideal Premium Actual premium Float factorXiali N3 1.0L Sedan
53800 3341 3192.18 0.956Geely Ulion Liang Jing
49900 3256 3426.95 1.052Chery QQ 1.1L Avantgarde
51800 3297 3371.76 1.023Antelope OK Manual Standard
53800 3341 3251.32 0.973 Source: Beijing, the major insurers (PICC, Ping An, the Pacific, China and Thailand) is the value of the average premium. The actual insurance premiums needs to be user released the final date of insurance premiums criteria prevailed. Floating coefficient is divided by the actual premiums premiums reached an ideal, floating coefficient, the lower, indicating that the easier insurance premiums lower.
Schedule 2:10 City insurance accepted list of the business situation
City
Insurance Conditions CHARADE Geely Antelope Chery BeijingCan be properly handled
The earth, the Pacific Ocean to refuse to handle; Bulgaria for entry but the damage a vehicle to improve
Can be properly handled
The earth, the Pacific Ocean for entry; Bulgaria for entry but the damage a vehicle to improve
CantonCan be properly handled
The earth, the Pacific, the normal processing; Bulgaria for entry but the damage a vehicle to improve
Can be properly handled
Can be properly handled
ChengduCan be properly handled
Processing are accepted, but the Bulgarian damage a vehicle to improve
Can be properly handled
Can be properly handled
ChangchunBulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
JinanBulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
ZhengzhouThe earth, the Pacific and Bulgaria can be properly handled
The earth, the Pacific and Bulgaria can be properly handled
The earth, the Pacific and Bulgaria can be properly handled
The earth, the Pacific and Bulgaria can be properly handled
NanjingBulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
WuhanEarth, Bulgaria, the Pacific and normal processing
Earth, Bulgaria, the Pacific and normal processing
Earth, Bulgaria, the Pacific and normal processing
Earth, Bulgaria, the Pacific and normal processing
Cheung ShaBulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
Bulgaria, the Pacific and normal processing
KunmingEarth, Bulgaria, the Pacific and normal processing
Earth, Bulgaria, the Pacific and normal processing
Earth, Bulgaria, the Pacific and normal processing
Earth, Bulgaria, the Pacific and normal processing
