How to buy car insurance online and how to buy car insurance online?

1.When choosing an insurance company to purchase car insurance, you must choose an insurance company with a big brand and good service and follow-up protection, and enter the official website of the insurance company to purchase;

2.Click on the insurance purchase page and select the option to purchase car insurance services;

3.Enter personal information, vehicle information, insurance type, insurance amount, etc. according to your purchase needs, and then click Confirm;

4.The insurance company page will pop up the payment option, just complete the payment.

Here are a few things to keep in mind when buying car insurance online:

2.Understand the insurance claim details in advance before purchasing insurance, after all, it is different from the insurance company's counter and manual communication, if you have any questions, you can call the insurance company to understand clearly;

3.Don't be fooled by the advertisements put out by the insurance company, just make a selective purchase according to your needs.

Purchased on the official website. Users can enter the official website of the insurance company, enter the car insurance channel, and then select compulsory traffic insurance to purchase; If you buy Alipay, you need to enter Alipay, click "More" on the home page, click "Car Insurance Service" - "Car Insurance" - "Buy Car Insurance" in the wealth management column, fill in the information, select the city, and then click "Confirm the above, start**", and select compulsory traffic insurance to purchase after entering. WeChat purchase requires WeChat entry"Micro-insurance"Mini program, click"Car insurance"-"Car insurance", choose compulsory traffic insurance to insure.

Compulsory traffic insurance has always been an indispensable part of car insurance, as long as the owner of a private car on the road, on the plate, whether it is an old car, a new car, a private car or a truck, as well as a business vehicle, must pay compulsory insurance, compulsory insurance ** has a big difference. The online insurance of compulsory traffic insurance is very simple, choose your favorite car insurance company (such as Ping An Auto Insurance, PICC Car Insurance or Pacific Car Insurance, select the city, fill in the license plate number, registration date, contact person's mobile phone, email, car owner's name information and other basic information, you can get **, and then apply for insurance.

With the development of the Internet, in order to make it more convenient for customers to apply for insurance and cater to the needs of car owners and drivers, most commercial insurance companies have started to handle commercial auto insurance business online. This also provides more favorable insurance conditions for car owners, and they can apply for insurance for their cars without leaving home.

You can ask any other question.

When it is becoming more and more convenient to buy car insurance online, consumers should keep their eyes open and beware of online fraud. Buying car insurance online is mainly a step in the following steps:

The first and most crucial step is to choose a regular insurance** to purchase. Don't open the link of strangers at will, try to choose the official website of the insurance to log in, to avoid mistakenly entering the phishing**, bringing unreasonable losses to yourself. Or contact the insurance salesman you are familiar with, and get a formal online car insurance purchase through the insurance salesman.

You can also check the comparison of your car insurance through each brand of insurance**, and then choose an insurance agency to buy.

Step 2: Review the terms of the insurance. When buying insurance, you must carefully review each insurance clause to avoid the amount of insurance you buy and the insurance coverage that do not match your ideals, which will lay a hidden danger if you want to use insurance in the future.

The third step is to approve the content of your policy and the policy**, then get paid***, through facial recognition, confirm the agreement and electronic signature, and then make the payment to complete the online purchase of the policy.

The fourth step is to keep your own electronic policy, and if you need a paper policy, you can contact your corresponding account manager to collect it. An electronic policy has the same legal effect as a paper policy.

When buying car insurance, you must not use low price as the only criterion. It is necessary to combine whether the car insurance settlement rate of an insurance company is high enough, whether the case closure cycle is short, whether the skills of the loss assessor are very strong, whether the quality of insurance claims service is high, and whether the claim assessment agency covers its own city, so that when you are out of insurance, the insurance company can arrive at the scene as soon as possible to assist you in dealing with the problem. Secondly, after purchasing car insurance online and confirming the policy, the corresponding staff will contact you and you will need to provide you with a copy of the driving license and the insured's ID card to complete the subsequent insurance procedures.

Be sure to confirm with the staff that the online insurance application has been completed to complete the purchase of car insurance.

No matter which channel you use to buy car insurance, the claim protection you get is the same, and the difference is only in the preferential policies and claims services.

The online and offline channels are different, all of which are approved by the China Banking and Insurance Regulatory Commission to operate, and they are all compliant, legal and protected by law, and claims settlement will not be affected. If you want to know more about how to buy car insurance online, you can read this article: Is it reliable to buy car insurance online?

A how-to guide to buying car insurance online

Car insurance is mainly divided into purchasesDirect sales channels, physical store channels and **person channels, let's take a look at the differences between them:

1.Direct sales channels

Buying car insurance online is one of the direct sales channelsIn fact, the direct sales channel refers to the channel through which the insurance company sells directly to the car owner, without going through any physical stores or insurance intermediaries. Generally, it includes ** sales, online sales (also known as official website sales) and offline sales.

The biggest feature of the direct sales channel is:Insurance, convenient, inexpensive, and autonomous.

Car owners only need to make a ** or log in to the official website of the insurance company or other authorized platforms to apply for insurance.

Offline sales refer to car owners who go to the offline outlets of insurance companies to buy car insurance, and because offline sales are rare nowadays, they will not be discussed here.

Pros:

**Offer: Online sales will be more preferential than physical store channels (generally about 15% discount).

2.In-store channels

The brick-and-mortar store channel is the so-called car dealer channel, generallyIncluding 4S shops, repair shops

Generally, when we buy a new car, we basically buy car insurance at a 4S store. Because this channel is the most convenient. When you pick up the car directly, you can get the car insurance and you can go on the road immediately.

It also provides one-stop service for car repair claims, so car owners don't have to worry about it!

But while enjoying the service, ** is also relatively expensive and easy to be marketed to buy insurance that you don't need.

The advantages of the repair shop are similar to those of the 4S shop, which is convenient for claims settlement and car repair, and you can also enjoy the direct compensation service under certain conditions.

3.People channels

** Person, refers to holdingAn individual or company with an insurance intermediary license。This channel has considerable advantages over other channels.

On the one hand, they can achieve the same or even higher cost performance than telemarketing and online sales, and even rebate them to buyers on this basis;

On the other hand, when it comes to making a claim, they can also provide the same claim service as the insurance company to help us settle the claim.

On the whole, the direct sales channel is more suitable for car owners who are familiar with the claims process, or who are not afraid to spend more time in the pursuit of the best cost performance.

The purchase channel of car insurance is not the most important, I believe that the most concerned thing for car owners is how much car insurance costs for a yearThe senior sister has designed several cost-effective car insurance plans according to different car use situations, and shared them with all car owners: buy too much and waste, buy less and suffer a loss! How much does it cost to buy car insurance a year?

1. Log in to the regular**: When the car owner buys car insurance, it is best to buy it at a fixed insurance sales outlet to prevent it from entering the illegal **or fishing** purchase, which will only make you lose your property. Be sure to look at ** before buying, go to the official website of the insurance company to buy.

2. Check the terms: After determining to buy insurance, you must pay attention to the terms of each car insurance contract, according to the author's understanding, many car owners do not carefully read the terms of the habit when buying car insurance online, if you miss the terms that do not meet your willingness to buy, so the gains outweigh the losses.

3. Approve the policy: There is a difference between buying car insurance online and interviewing, and you must pay attention to the approval of the policy when buying insurance.

4. Payment: At present, online car insurance is paid by bank transfer, and the premium is directly deposited into the designated account of the insurance company, so that the operation can avoid the premium being swallowed privately.

When choosing a car insurance product, car owners should not take ** as the only selection criterion, and be sure to choose the official **, officially insured** or officially authorized part-time ** of a regular insurance company, so as not to fall into the trap of phishing**.

Secondly, the owner needs to carefully read the insurance terms published by the official**. Insurance companies selling car insurance online will generally list the coverage of each type of insurance, the amount of insurance and the premium and other relevant information, in addition, car owners should also choose a car insurance combination product suitable for their vehicle conditions on the **, improve the protection effect of car insurance.

In particular, it should be noted that friends must understand before buying insurance: "What do you need to pay attention to when applying online? 》

Buying car insurance online is reliable, whether it is buying car insurance online or offline, but the channels are different, they are all approved by the China Banking and Insurance Regulatory Commission, and they are all compliant, legal and protected by law. Although it is an electronic policy, the electronic policy has the same effect as the paper policy, and claims will not be affected. Buy car insurance online,First of all, you need to know what kind of insurance you should buy?

1.4S shop:Generally, 4S stores will **1 to 2 large and small insurance companies car insurance, establish cooperative relations, and even let insurance salesmen work in the store, you can buy a new car on the spot, and you can do the car insurance on the spot with the procedures for buying a new car, and you can drive the car on the road on the spot.

2.Repair shop:At present, many repair shops have also obtained the qualification to sell car insurance, which is convenient for claims settlement and car repair, and can also enjoy direct compensation services under certain conditions.

And because there is no need for additional labor residency costs, car insurance** in repair shops is generally lower than that of 4S shops.

3.Direct sales channelsIn fact, it refers to the channel through which the insurance company sells directly to the car owner, without going through any physical stores or insurance intermediaries.

There are generally three types of direct sales channels: ** sales, online sales (also known as official website sales) and offline sales.

In addition to the above channels, what other channels can I buy car insurance? What are the advantages and disadvantages of each? Where is it better to buy car insurance?

What's the difference?

As long as it is a regular online channel, you can buy car insurance.

Car owners can purchase car insurance through self-service purchase or contact an insurance salesman. Car owners can buy car insurance online, and there is a small program on Alipay that can compare the ** of various insurance companies, which is easier to use. <>

How do I buy car insurance? What types of insurance are available? This is a difficult problem that plagues the majority of car owners.

If you "shop around" when looking for a salesman to buy car insurance, it is not difficult to find that each insurance company, or even different salesmen of the same insurance company, give different **, **difference between dozens of yuan and two or three hundred yuan. <>

Why is there such a "disparity"? The insurance salesman will get a commission after making a single car insurance. The level of the salesman depends on how much commission he wants to get, if the salesman is more "ruthless" - the commission is more, then the ** is naturally high, and it may be more than 200 yuan.

On the contrary, if the salesman wants to rush the performance or want to do "long-term business" with customers, he will attract customers to buy car insurance from him with a lower **.

Since there is a non-transparent situation in finding an insurance salesman to buy car insurance, why are so many car owners willing to find a salesman offline? This is an "interesting" phenomenon. Every car owner always thinks that he can meet an "affordable" insurance company, and thinks that the rebate given by the salesman to himself is the "highest", which is cheaper than buying online.

There is also a situation where some older car owners do not know how to buy car insurance online, so they can only find a familiar salesman to buy it.

Therefore, the people who buy car insurance online are mainly young people. Generally speaking, young people will buy car insurance in a small program on Alipay, and after entering the type of insurance they want to buy, the date of the vehicle license, the brand of the vehicle and other information, they will jump out of each insurance company**. At this time, we select the insurance company according to the ** comprehensive.

To sum up, we can buy car insurance through two ways: self-service purchase on the Internet and offline purchase by a salesman.

How to buy car insurance online:

1. First of all, choose a well-known brand, a powerful and regular insurance company on the Internet, so that there will be protection, and the service will be more in place;

3. Select the car insurance you need on the official website, or purchase it according to the insurance recommended by the system;

4. Determine the car insurance to be insured and fill in the relevant information, then the payment is completed, and then wait for the insurance company staff to send the policy;

Advantages and disadvantages of buying car insurance online on your own:

Advantages: The advantages are: you can choose products independently, flexibility, convenient insurance, and cheap.

1. You can choose products independently, and you have strong flexibility.

There are a variety of car insurance products sold through online channels, and car owners can freely choose the roll-up car insurance products they want, and register the relevant information of the vehicle to get the corresponding car insurance configuration plan and **, and find the right car insurance plan for themselves. And without the guidance of the middleman, you can save a lot of unnecessary insurance.

2. It is convenient to insure and cheap.

To buy car insurance online, car owners only need to make a ** or log on to the official website of the insurance company and other authorized platforms (such as Alipay) to apply for insurance, which is very convenient and fast. And because the online channel does not have the operating costs and commissions required by offline physical stores, it will discount about 15% on the basis of the channel, which is more affordable.

Disadvantages: Buying car insurance online requires you to fill in personal information, which can easily be leaked. When the car insurance expires and is renewed, you may receive a lot of car insurance companies, and for some friends who pay attention to privacy, the experience is not very good.

In addition, the development of the Internet is relatively fast, and there are many platforms for selling insurance online.

It is easy to be exploited by some criminals, taking advantage of loopholes or creating false ** to carry out fraudulent activities, and you may be deceived if you are not careful. Therefore, it is best for car owners to choose some reliable large platforms for car insurance purchases.

In general, there are pros and cons to buying car insurance online, but regardless of whether you choose to apply online or offline, car owners can choose the insurance method according to their habits, and the most important thing is to find a car insurance company with good service and fast claim settlement.