Which car insurance is better, which car insurance is better

Hair rabbit is super happy today, what? You ask what to be happy about, haha, I won't tell you that I just bought a new car, hey, to be honest, the rabbit is happy, but also a little entangled in the end of which car insurance is better for your car? I believe that many new car owners will have the same hesitation.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

China's 4 major car insurance options, terms comparison selection, local word of mouth selection!

Which insurance company has good and cheap car insurance?

PICC car insurance is better.

PICC Auto Insurance is referred to as PICC Auto Insurance, which belongs to the business scope of Chinese People's Property Insurance Co., Ltd. **** and belongs to motor vehicle insurance. PICC auto insurance has 1 hour notice of compensation, remote insurance, on-site claims, free rescue of broken vehicles, accident car custody and other exclusive services of PICC car insurance, to protect the interests of the policyholder to the greatest extent. PICC Auto Insurance supports online application, which is simple and convenient to apply for, and can also be delivered to the door for free.

Ways to buy car insurance:

1. It can be purchased at the outlets of insurance companies.

Under normal circumstances, individuals can go to the business outlets of insurance companies with their ID cards and policies of the previous year, apply to the staff for purchasing insurance, fill in the insurance documents, and then pay the insurance premium.

2. It can also be purchased on the official website of the insurance company.

It has to be mentioned that sometimes it is not easy to insure a car, especially when facing so many insurance companies. So, today, let's talk about which insurance company has the best car insurance.

Insurance company.

As the big brother of central enterprises and domestic insurance, Chinese People's Insurance Group **** has a large wealth and the widest outlets. Therefore, for car insurance cases within 2000, as long as the customer submits all the information, the approval can be completed within one working day and the compensation can be obtained. However, the loss of vehicles below 5,000 yuan shall be handled in a one-stop manner.

direct indemnity". Of course, PICC's services** are also expensive. After all, it's worth the money.

Messy boy. Ping An Insurance. As a private enterprise, Ping An Insurance has a better service attitude. And there is also a convenient service such as "pay the money first, and then repair the car".

It stipulates that as long as the pure car damage is less than 10,000 yuan, the owner agrees to repair it in a repair shop that has a cooperative relationship with Ping An, and can enjoy this convenient service first. Moreover, the Chinese also pay attention to goodwill, and peace has become the first choice of many people.

Pacific Insurance Company.

Compared with PICC and Ping An, the biggest advantage of Pacific is that the premium is very cheap. As a result, its service will be reduced. And the compensation will be stricter or the amount of compensation will be limited.

After all, how much money you spend and how much services you enjoy. If the owner feels that he is an old driver or very stable, then Pacific Insurance is indeed a good choice.

Other halls.

In addition to these three established insurance companies, there are also some niche insurance companies, such as Chinese Life, Dida Insurance and Sunshine Insurance. The advantage of these insurance companies is that their insurance services may be more personalized and distinctive.

Conclusion: For the choice of insurance companies, it is recommended to choose a large company such as PICC directly if possible, which can ensure that the claims processing procedure is more standardized and the speed of insurance will be more efficient. If you want to choose a private insurance company like Ping An and Pacific, there is nothing wrong with it, because the strength and status are enough to come to the stage.

If you choose a niche insurance company in order to save a little premium, you should think twice.

Millions of car purchase subsidies.

Car insurance Chinese life car insurance, sunshine car insurance, PICC car insurance is good.

1. Chinese life car insurance.

Chinese Life Insurance Co., Ltd. **** is the largest life insurance company in China, headquartered in Beijing, with a registered capital of 100 million yuan. As a Fortune Global 500 and a Fortune 500 Brand Fortune 500 company. A core member of Chinese Life Insurance (Group) Company.

2. Sunshine collapse car insurance.

Sunshine Insurance Group Co., Ltd. is one of the top 500 enterprises in China and one of the top 100 enterprises in China's service industry. In the past 3 years, it has been among the top seven insurance groups, surpassed the 71 insurance entities established at the same time in 5 years, deployed in the field of Internet finance and overseas real estate investment in 9 years, and successfully entered the medical and health industry in 10 years.

3. PICC car insurance.

PICC Auto Insurance is referred to as PICC Auto Insurance, which is a virtual cover of the business scope of Chinese People's Property Insurance Co., Ltd., which belongs to motor vehicle insurance. PICC car insurance has 1 hour notice of compensation, remote insurance, local claims, free rescue of faulty vehicles, accident car custody and other exclusive services of insurance car insurance, to protect the interests of the policyholder to the greatest extent. PICC auto insurance supports online insurance, which is simple and convenient to apply for, and can also be delivered to your door free of charge.

Types of Car Insurance:

1. Compulsory traffic insurance.

All vehicles must purchase compulsory vehicle insurance, and those who do not buy compulsory insurance will be punished for going on the road.

2. Commercial auto insurance.

Including car damage insurance, third-party liability insurance, vehicle personnel liability insurance and its additional insurance, respectively, the vehicle itself, the accident third party and the vehicle personnel to provide protection, additional insurance has absolute deductible, scratch insurance, etc., can be supplemented on the basis of the three main insurance.

3. Health insurance.

Health insurance includes critical illness insurance and medical insurance. As the name suggests, critical illness insurance is a product that provides critical illness protection. <>

Car insurance mainly includes Ping An Insurance, PICC Auto Insurance, and Pacific Insurance.

1. The highlight of Ping An Auto Insurance is that unilateral liability claims are settled in seconds, which is simple and fast.

2. The highlight of PICC car insurance is that there are many domestic outlets and many claim costs.

3. The highlight of Pacific Auto Insurance is that it is cost-effective.

The four types of car insurance necessary are as follows:

1. Vehicle loss insurance: Vehicle loss insurance is responsible for compensating for the loss of the vehicle itself due to natural disasters and accidents. This is the most important type of insurance in car insurance, from a loss-like scratch accident to a car crash and death, it must be relied on to reduce losses.

For newbies buying new cars, it is best to buy this insurance when the owner's driving skills or driving habits cannot provide a higher guarantee for the safety of the vehicle.

2. Third-party liability insurance: Because the compensation amount of compulsory traffic insurance is relatively low, for larger accidents, the low compensation provided by compulsory traffic insurance is far from enough. The three-liability insurance can provide compensation beyond the compensation limit of the compulsory liability insurance.

3. Excluding deductible insurance: If the owner insures this insurance, the part of the deductible amount of 5% to 20% that should be borne by the insured can be calculated according to the deductible rate specified in the corresponding insurance type, and then transferred to the insurance company to be responsible for compensation.

4. Whole car theft insurance: Many friends will worry about theft and robbery after buying a new car. New cars are easy to attract the attention of thieves, and some are easy to steal models, so insuring theft insurance can prevent accidents; If the location of the car is not fixed, or it is often parked in an open-air unguarded parking lot, it is also recommended that the car owner insure the theft insurance to add a layer of protection to the car.

Pacific Insurance is good.

1. Company size:Pacific is an established insurance company too. On July 24, 2008, the China Insurance Regulatory Commission (CIRC) approved its auto insurance telemarketing model.

2. Solvency:According to the data disclosed in 2018, the core solvency adequacy ratio was 292%, and the comprehensive solvency adequacy ratio was 301%.

3. Advantages:According to the regulations of the China Insurance Regulatory Commission, for insurance companies with ** direct car insurance licenses, they can reduce it by another 15% under the minimum 7% discount limit stipulated by the state. This is also the reason why many car owners are willing to choose the Pacific.

4. Claims service:Instant claims, nationwide claims service. If it is less than 3,000 yuan, it can be solved within one working day; If it is a case of more than 10,000 yuan, it will take up to 3 working days, which is still very efficient.

Claim Process:

1. Report the accident:2. On-site processingThere will be surveyors arranged by Pacific Company to assess the damage on the spot.

3. Submit a claimProvide relevant information to make a claim to the insurance company.

4. Review and receive compensationAfter the information is submitted, the insurance company will deal with it in a timely manner and close the case within the time limit.

Generally large companies are good. Personally, I think the Pacific Ocean is the best.

These large auto insurance companies have the most comprehensive outlets. As long as you can name the township, there are usually branches of them, and claims are settled quickly. If you choose to buy at a 4S store, there is no problem, because the insurance counters in 4S stores are all directly stationed by insurance companies.

However, one thing to note is that the insurance company must not have a price difference when assessing the loss, otherwise you will suffer a loss if the ** is lower than the actual maintenance cost.

There are a lot of car insurance companies. PICC P&C Insurance, Ping An P&C Insurance and Pacific P&C Insurance are the third largest auto insurance companies in China, and both the quality of auto insurance and the service of auto insurance are very good. The car insurance of these three insurance companies is also the most popular among consumers at present.

Among them, the cost of PICC car insurance is higher, but the insurance is fully supervised and the claim settlement speed is fast; Ping An Auto Insurance has a well-established online and electronic sales platform, and has many business outlets across the country. It is convenient to apply for insurance, the service is in place, and the claim settlement is fast; Pacific Auto Insurance's premiums** are lower and the service is better.

It is recommended that you can choose "PICC, Ping An, Pacific" insurance companies to purchase car insurance. All three insurers are established companies that account for the majority of the domestic auto insurance market. Their popularity is very good, and the service and guarantee are relatively comprehensive.

If you want to buy car insurance, you can choose from these three car insurances. It is recommended that you shop around and choose the most cost-effective car insurance.

Data. How do I buy car insurance?

You can buy it at the outlets of the insurance company. Generally, individuals can take their ID cards and last year's insurance policies to the insurance company's business outlets, apply for insurance from the staff, fill in the insurance documents, and then pay the insurance premium.

It can also be purchased from the insurance company's official website. Individuals can log on to the insurance company's official website, then find the car insurance column, then select the insurance option, pay the fee, and then e-policy from the official website.

Car insurance is good for insurance property insurance, safe car insurance, and Pacific insurance.

1. PICC property insurance.

According to the public disclosure information of PICC P&C, in 2019, PICC's total premium income was 596 billion yuan, and it ranked among the top 100 Hong Kong stocks for seven consecutive years from 2012 to 2018.

2. Ping An car insurance.

In 2018, Ping An Property & Casualty's premium income reached 100 million yuan, and its 42 branches and more than 2,660 central branches, branches, marketing service departments and sales departments spread across the country.

3. Pacific Insurance.

In 2019, the company achieved operating income of 100 million yuan, a year-on-year increase; The group's net profit was 100 million yuan, a year-on-year increase. According to data released on the official website of Pacific Insurance, as of the end of December 2019, the comprehensive solvency adequacy ratio of its CPIC property insurance reached 292%.

The role of car insurance is as follows:

1. Purchasing car insurance can give the owner economic compensation or cash compensation when the vehicle has an accident or encounters other things.

2. Important measures to transfer risks. By purchasing insurance, you can transfer daily operation errors or unpredictable risks to the insurance company, giving great protection to the owners of trousers. <>