Which car insurance is better? Reject salespeople

Since its establishment in 1949, the market share of Chinese People's Property Insurance Co., Ltd.'s auto insurance has been above 40%, and in some areas it is 90%.

I believe that everyone's choice should not be wrong.

China Life is more professional in life insurance, and car insurance** is the cheapest among the three, but the real good life insurance should be Ping An.

Ping An mainly promotes 400** sales and team business, and its direct sales business and 4S channel business are the worst among large and medium-sized property insurance companies in China, because of the different business structures.

If you are in a big city, and the car never drives to other places, the Taiping Heavenly Kingdom (Pacific, Ping'an, Tian'an, Chinese Insurance) can be, if you sometimes need to run long distances, you can only choose PICC, because PICC has the most complete outlets, as long as you can name the township, generally have its branches, the fastest claim.

If you want to choose to buy in the 4S store, there is no problem, because the insurance counters in the 4S store are directly stationed by the insurance company, of course, if there is only Chinese Life and China Ping An in that place, then you only have these two good choices.

The only thing you need to keep in mind is that there must be no price difference in the insurance assessment, otherwise the insurance company will complete the loss, and you will suffer if the actual repair cost is less. For the price difference, Ping An is the biggest disadvantage, because it makes a profit on the insurance premium, and discounts on the service, the wool is out of the sheep, of course, if you buy insurance, if nothing happens, Ping An is the most cost-effective.

In addition, for the explanation of the '1394019' downstairs, I need to point out that there are three major clauses in China's auto insurance now, PICC is A, Ping An is B, and CPIC is C, and the insurance liability is different. Besides, you don't care how much they discount, some things are 7% off** higher than 9% off, don't believe you to compare yourself, it's best to figure out how much you end up paying.

The speed of the Pacific payout is comparable to that of the bankrupt China United the year before, but it is definitely not the worst. At present, the compensation speed is that no one has been injured within 10,000 yuan, Ping An is the first, and PICC is the second. However, the full amount of compensation will be paid first, and PICC will be the first, and safety will be second.

Is this okay, I hope you have some understanding of the car insurance industry.

Safe is good, and claims are settled quickly. The information is complete, and the compensation will be paid within 10,000 yuan a day. If it is overdue, it will not pay Ping An Company penalty interest to customers. This is Ping An's commitment to customers.

I don't know how to be safe = =|

However, I have compared the ** of the middle insurance and the Pacific.

For the same car, the ** of the Pacific Ocean is lower than that of the middle insurance, at least about 100-200 = =||

And this year, the self-use car of the Pacific can be discounted by 20%, and the middle insurance seems to be discounted.

I've heard that Pacific is known for its payout speed in the industry.

Buy insurance and go to Landun Insurance Network to provide you with a convenient and faster insurance experience.

Life insurance's specialty is life insurance, how do you run life insurance to buy.

Because the insurance company checks the car insurance by the license plate number.

Target. The insurance salesman basically sells based on the mobile phone number, and they can't know in detail who bought and who didn't. There are many companies that can underwrite car insurance. The pitch is vehicle insurance for various insurance companies.

The daily work of the salesman, so it is normal for you to receive ** sales. **, you just need to say that you have already purchased, or which insurance company you are interested in, you can keep the contact information of the insurance company's salesman, in case you need to consult later, you can easily find someone.

There are many companies that underwrite car insurance, and you can have more choices for subsequent insurance. I believe that you have heard of the ten insurance companies mentioned below, Chinese Insurance Company, Ping An of China, Pacific Insurance.

Chinese Life, China United, Sunshine Insurance, China Taiping.

New China Insurance, Taikang Insurance. These insurance companies can basically rank in the top 10 in vehicle insurance in terms of insured volume.

Let's introduce a foreign-funded car insurance company - Liberty Car Insurance, which is also very good.

Liberty Insurance is one of the world's top 500 companies.

A wholly-owned subsidiary of Liberty Mutual Insurance Group in China.

Founded in 1912. It is the largest multi-insurance property and casualty insurance in North America.

One of the companies, with about 900 offices around the world, is a Fortune 500 company.

In terms of claims, the first drive-in (drive-in) direct compensation model in China, where an accident occurs within 1,000 yuan, customers do not need to wait for the insurance company to investigate the scene, they can drive the car to the Liberty direct compensation center, assess the damage on the spot, receive compensation on the spot, and handle all claim procedures at one time. For claims of more than 1,000 yuan, you can assess the damage at the 4S-level special maintenance service provider, and claim with the stamped work order, without waiting until the repair is completed.

Liberty Auto Insurance has signed a number of 4S-level special repair service providers, covering all car brands, and if the damage is assessed and repaired at the Liberty Special 4S Repair Service Provider, Liberty Insurance will assess the damage according to the original parts price of the vehicle (the original invoice of the 4S store is required). Seepage.

There are many vehicle insurance underwriting companies, so you can choose the most suitable company to insure.

I think it's reliable to sell car insurance.

**Sales is a common way for insurance companies to promote products, I believe that many friends have received such a ** more than once, and the insurance products promoted are generally cost-effective. Car insurance is generally sent to the policy first, and then after it is signed, it is sent again to collect the money. In addition to compulsory insurance, there are nine types of commercial insurance to choose from.

We can tell in the following ways.

1. Check with the insurance company.

2. Whether the insurance product is recorded.

Formal insurance products, no matter how they are sold, will be approved and filed by the CBIRC.

**The cost of car insurance is low, so the discount will be greater than offline, and if you want to buy offline, you want to have a big discount, unless you are a salesman, your own people, and all the points he draws will be given to you, otherwise it is generally more expensive than **car insurance, and now after the reform, the regular**car insurance is also played by your local branch, and other companies will be punished if they find that they report.

In the face of telemarketing insurance products, we must be very cautious, and carefully read the terms and conditions of the insurance product before applying for insurance, and be familiar with the protection content and exemption clauses. Avoid being deceived.

If it is not reliable, car insurance still has to go to a well-known insurance company to buy, which is more reliable.

1. It's easy for fraudsters to take advantage of it. Due to the virtual nature of car insurance sales, it is easy to create opportunities for car owners to be deceived.

Second, the claim process is cumbersome. When applying for car insurance, due to the lack of intermediaries, the claim process after the accident needs to be handled by the car owner himself. When the car owner is not familiar with the claim operation process, the claim process is complicated due to communication problems.

Third, car owners are easy to be deceived. Since the car insurance is purchased directly and is low, the 4S shops that can handle the car insurance business will not get the benefits, and the illegal repairers can cause car accidents without the owner's knowledge and obtain economic benefits. As a result, when the owner renews the policy in the following year, the insurance rate will increase.

As an insurance company, instead of adopting this ** marketing model, it is better to strive to improve business capabilities and service levels. In today's homogeneous business of insurance companies, who has strong business capabilities and good services will be favored by customers.

Reliable, but you need to carefully identify it yourself. Regular ** sales have a unified outgoing number, you check his number, when the insurance company issues an insurance policy, it is generally delivered to the door by courier, and then the money is given to the courier. If you are not at ease, you can ask him to complete the policy, and you can go to the insurance company to get the policy yourself, and then pay the money.

**Sales will be more favorable than other forms of sales, if it is a regular insurance company such as Sunshine Insurance, it can be trusted.

This is definitely not credible, and it is best to go to a regular insurance company to handle car insurance, otherwise if something really happens to the car, it will be more uncomfortable for other companies to ignore it at all.

Unreliable. Insurance is one of the mainstream sales channels through ** sales, and many people will buy it through this channel. Through ** sales, the general message conveyed is relatively brief, in this instant interaction, the information that can be given can hardly be said to be comprehensive, if you decide to buy at the moment, it may be blind.

Car insurance and the like still have to go to a regular store, don't blindly believe in sales, safety and after-sales are not guaranteed.

Unreliable. It is not recommended to buy ** car insurance, my family bought ** last year, and the case will not come for a long time, not to mention, the amount of the claim is not enough to repair the car.

It is not reliable to sell car insurance, and I still think that the car I bought in ** is more safe and reliable in **insurance, even if there are some problems, you can find a solution through the place. **When the promoter makes a compensation payment, no one can be found.

Not credible, ** sales car insurance can not be bought, especially after-sales, I bought it last year in ** promotion, I went to surrender the insurance today, before I recommended insurance, before the discount of 580 yuan, now to let them return 100 yuan, unreliable, do not return them, the words are particularly ugly, say not to return the money to spread your number out, but also with a threat to say, no longer listen to ** sales, or go to the hall of a large company to buy the reliable.

Look at what kind of insurance company it is, it's more official.

The sales channels directly operated by the insurance company itself eliminate the intermediate price difference for the salesman or the car dealer, and the insurance company is directly responsible for the after-sales of gifts or maintenance.

The relationship is good, the relationship is good, and the relationship is good.

In the form of telemarketing to make it more convenient for car owners, the impression of telemarketing car insurance is cheaper, so is the cheap telemarketing car insurance reliable, take you to understand.

Is telemarketing car insurance reliable and why is it cheap?

**Car insurance is cheap for a reason, the following are the possible problems of telemarketing car insurance, car owners should be cautious about taking out car insurance.

1. There are too many specified conditions.

Some ** car insurance may designate the driver, designated driving area, designated mileage, in order to achieve the effect of reducing insurance premiums, and the owner is not truthfully informed, ** insurance staff usually take advantage of the customer's ignorance of insurance terminology and professional knowledge to steal the concept of insurance, resulting in"This is not compensated, that is not compensated"phenomenon.

2. Deficiency insurance**.

This means that there is no limb roll to calculate the cost according to your car price, resulting in less compensation for subsequent claims, such as total loss, which may be calculated according to the insufficient amount. For example, if you spend 100,000 yuan to buy a car, ** car insurance will calculate the insurance of the vehicle for you according to the amount of 80,000 yuan or even less.

The value of 100,000 and 80,000 is under the same insurance, and it must be 80,000 cheaper when calculating the cost. But when the claim is settled, the insurance company will pay the claim at a premium of 80,000 yuan.

3. Reduce the amount of insurance.

The maximum amount of compulsory traffic insurance is not enough to deal with major accidents, so it is very important to purchase sufficient third-party liability insurance, and most car owners will usually choose more than 500,000 yuan of insurance. The ** car insurance is likely to be lower than 100,000 insurance to calculate, so that the premium will naturally be reduced, once the accident compensation, plus the compulsory traffic insurance is only 10,000 in total, the serious point of the accident is not enough to compensate, and the owner needs to pay for it.

4. Difficulties may be encountered in the settlement of claims.

Although the process of ** car insurance claim is the same as that of general car insurance, if there is a salesman to accompany and guide the whole process, in case of disputes, there are also people who can discuss together. **Another common feature of car insurance is that small insurance does not matter, and the owner of the claim for large insurance (more than 2,000 yuan) will be troublesome. **Car insurance will have a lot of regulations that annoy car owners.

Advantages of telemarketing car insurance

The main thing is that it is cheaper, and the Insurance Regulatory Commission stipulates that car insurance is allowed to be 15% cheaper than traditional car insurance, that is, it is 15% cheaper than the 7% discount on traditional car insurance, which is close to 6% discount. Secondly, car insurance with convenient, time-saving, efficient characteristics, attracted a large number of customers, as long as the first to the insurance company to the head of the uncle, soon there will be a salesman to assist in the follow-up procedures. As a result, it quickly gained a foothold in the insurance industry.

1. Playing ** recommended car insurance is not a search is true or fake. At present, there are many types of car insurance sold in the market, and the quality of car insurance varies from brand to brand, and basically everyone will choose the right car insurance for themselves according to their physical condition. If you need to buy car insurance, you should consult with the relevant personnel of the insurance company and then choose it on a case-by-case basis.

2. How to choose the most cost-effective car insuranceIf you want to get a higher insurance amount, you must first consider your own financial affordability. Of course, we also need to check the shack insurance company**, find your asset information, and follow the instructions to make the purchase. If you don't have enough funds, it is recommended that you choose an insurance company that matches your assets, and you can use your bank card as a deposit to avoid problems such as overdue or being frozen.

3. What to do if the cost of car insurance is too expensive First: Check the number of assets of the insurance company, and then decide whether to buy it. If the ** is too high, you will not be able to get insurance coverage.

Second: Determine whether the assets of the insurance company comply with the laws of the country, for example, the insurance company has about 5,000 employees, and they have very strict restrictions on the assets of certain insurance companies.