Is car insurance the same in that city?

In addition, the vehicle and vessel use tax collected in different regions will be different, so it is more cost-effective to buy car insurance locally.

Car insurance is divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory by the state, and you can't buy it unless you don't drive on the road. Compulsory liability insurance will not be affected by any insurance company anywhere.

Because the number of accidents reported by your compulsory traffic insurance is networked nationwide, and there has been no accident, any insurance company will give preferential treatment anywhere, and the preferential fluctuation is the same. But if there is an accident, it is the same everywhere, the same rate. Commercial insurance is different, because the consumption level is different in each place, and the rate factor of each insurance company is different, it will also be different.

No matter what, when buying insurance, it is better to choose a brand that you can trust and have strong financial strength, because these large companies still pay attention to social impact after after-sales claims, and they have their own supervision and supervision. At the same time, you should also get to know some insurance surveyors, and you can also learn more about the survey process and precautions, which will be very helpful to yourself.

Hello, the same in the province, out of the province to restore the original price.

No, there are several provinces that have reformed car insurance.

It's different, some cities are piloting.

There is a difference, although car insurance is compensated in the whole country, but when buying car insurance, the discount in each region is the same but the discount coefficient is different, so there will be a difference, and it is generally recommended to buy it locally, which is cheaper.

It should be noted that compulsory traffic insurance is generally not recommended to buy in other places, because now the vehicle and vessel tax is included in the compulsory traffic insurance, if you buy compulsory traffic insurance in a different place, you will also pay the tax to a different place, and some places do not want you to pay the tax to a different place, so they will require the local vehicle management office to pay the compulsory traffic insurance in the local area without the car inspection, and it will not be able to pass the annual inspection. If the local vehicle management office does not require it, compulsory traffic insurance can also be purchased in other places. Therefore, it is necessary to be specific and clear about the pre-clearance regulations of the local vehicle management office.

Third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch loss insurance, spontaneous combustion loss insurance, and compulsory traffic insurance without deductible insurance are compulsory insurance types of insurance by law, and they are also necessary protection for you and your car.

It can greatly reduce your financial burden in the event of an accident, resolve disputes, and most importantly, if you do not insure, you will not be able to get a license, transfer ownership, annual inspection, once investigated, you will be detained the car, and be punished with double premiums! Of course, if you have a good driving record, you can enjoy a better premium.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

I have the following answers to your questions, I hope to help you and learn more. There is a difference between the cities where car insurance is insured, and you should be asking the question of applying for insurance in other places. Many car owners who have purchased car insurance in other places have such feelings:

It's easy to buy a car insurance, but it's hard to settle a claim, and it's even more difficult to settle a claim in another place." The difference in the insured city is mainly reflected in three aspects: the payment of compulsory traffic insurance, the payment of vehicle and vessel insurance, and the trouble of claims.

Let's talk about the differences specifically:

1.What is the difference between off-site car insurance and local car insurance?

First, on the issue of compulsory traffic insurance. If the policy and regulatory requirements of the territory are violated, the compulsory traffic insurance policy will be invalid, which will bring hidden dangers to the future insurance claims.

Second, on vehicle and vessel tax.

Payment issues. Vehicle and vessel tax is usually collected by insurance companies, and vehicle owners pay vehicle and vessel tax together with compulsory traffic insurance for their vehicles. However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures his car in a different place, the insurance company in other places cannot collect the vehicle and vessel tax, in this case, the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees.

expenditures, and the owner has to run around and toil. Premium differences, rates may vary slightly from region to region. Differences in underwriting rules, different underwriting rules for different branches of insurance companies. Service differences, value-added services for various branches of insurance companies.

Deposit or tremble in different.

2.The impact of car insurance in other places on claims.

There are certain risks associated with car insurance in different places. First, there is the trouble of making claims. Although the off-site outlets of the same insurance company can carry out the procedures of surveying on behalf of the vehicle, after the vehicle is out of insurance, the final claim is still the responsibility of the insurance company in the place where the insurance is insured.

If the owner is insured in the field, it may not only affect the timeliness of the survey, but also take more time and energy to handle the claim procedures, increase the trouble of many car owners, consume a lot of time and energy, and often outweigh the losses. Second, it may be exposed to the risk of free odds. Generally, the insurance contract will have a clause on the restricted driving area of the insured vehicle and a deductible clause.

According to the specific regulations of each insurance company, if the insurance exceeds the driving area, there will be a 5%-10% waiver in the insurance payout, which depends on the specific policy terms.

There are risks in insuring car insurance in other places, so I hope that major car owners should be cautious. Professional matters still need to consult with a professional insurance broker in order to buy the right one and compensate for it. If I help you, I hope you can give me a thumbs up.

When it comes to buying insurance, especially buying car insurance, many people will choose to buy car insurance in other places, and some people choose to buy car insurance locally, but there is actually a difference in this situation, whether it is to buy car insurance in other places or locally, the difference is mainly in the following three points, you can make a reference.

First, the car insurance is not the same as Li Tuan.

There must be a substantial difference between foreign and local car insurance, first of all, in essence, some foreign car insurance may be paid together with commercial insurance and compulsory traffic insurance, and there are only these two kinds of insurance, and the rest need to be paid by the owner himself, which is more complicated and troublesome, but if it is a local car insurance is better, it can provide one-stop service, and the car does not need to go to other places, you can handle commercial insurance compulsory insurance and vehicle and vessel tax in the company at one time. This will simplify a lot of ways to achieve a more satisfactory service. <>

2. Claims service is different.

Of course, the service of claims must be different, after all, the remote service is definitely not as good as the local service, because the remote one is too far, and secondly, many problems in the remote area can not be solved immediately, it takes time to go back and forth, which will greatly consume time and cost, so the remote claim service is slightly worse, of course, the cost of reducing the round-trip will definitely be reduced, but there are some that can not reduce the cost of the round-trip, only to be able to travel tired, but the local insurance is different, The claim service of local insurance is relatively fast, and the investigation and assessment of losses is better, and there are convenient claims to provide trailer services, which is definitely better.

3. Different ways to apply for insurance.

And the way of handling is not the same, there is obviously a big difference between remote insurance and local insurance, maybe the way of handling remote insurance is more online, it must be more convenient, but the nature of Anguo Zheng can not be considered, of course, local insurance may be more troublesome, but many companies have launched a one-stop service, as long as you go to a place can be completely handled, this is still more convenient, so in general, both still have certain advantages in handling services.

There must be a difference, if you buy it in the field, it may be very difficult to reimburse, and the car insurance is generally bought locally, and it is very troublesome to reimburse the insurance after buying it in the field.

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The rate of compulsory traffic insurance is floating: If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount

If you need more in-depth answers, you can click on the link below to receive an exclusive service.

There was no traffic accident in the first two years, and a copy of the previous year's policy was provided (the previous year's sail shortage was confirmed to be 10% discounted) - 20% discountIf there has been no traffic accident in the first three years, a copy of the previous year's policy will be provided (the discount has been confirmed by 20% in the previous year) - 30% discount

Hello, compulsory traffic insurance is mandatory, you can compare other commercial insurance, and it is not mandatory for you to insure, you can decide for yourself.

If you need a car insurance ** comparison, you can click on the link card above to reserve your information, we have a one-to-one ** specialist to serve you.

There is still a difference, if you buy car insurance in other places, and then return to the local area after renting, it will reduce the discount of many trillions, so that there is no way to enjoy some services, and it is not very cost-effective to change the stop.

The difference is that the hidden shed is relatively large, and there will be very big trouble when encountering a problem claim, but the local one will quickly solve this problem.

According to the existing insurance situation of Hewu, there is no difference between the policyholder buying car insurance in a different place and buying car insurance locally. The process of buying car insurance in a different place is basically the same as buying car insurance locally.

It is worth noting that when applying for insurance, the insured must bring the driver's ID card, driver's license, vehicle driving license, letter of introduction and relevant documents related to the insured vehicle before it can be processed.

However, the difference is that after applying for long-distance car insurance, the insurance claim process may be different from that of local car insurance, and the process of claiming a claim for long-distance car insurance will be more complicated.

1. How to buy car insurance.

1. Choose a legal and regular insurance company in the country where you want to buy car insurance;

2. Go to the insurance company to go through the procedures and apply for insurance business;

3. After the insurance company approves the application, the two parties can sign a contract. The national law stipulates that compulsory traffic insurance must be purchased, and if the insured accident occurs during the insurance period, the insurance company will compensate within the specified limit. Defamation.

2. Precautions for purchasing car insurance.

1. Don't re-insure.

Car owners should avoid repeated insurance when purchasing car insurance, and some car owners may think that they have a greater chance of being insured in a certain aspect, so they will repeatedly insure this type of insurance, thinking that they can get repeated compensation. In fact, this idea is wrong, even if the car owner repeatedly insures a type of insurance, when it comes to the issue of compensation, he will not get excess compensation.

2. Don't over-insure or under-insure.

Pursuant to Article 39 of the Insurance Law:"The insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract.

Therefore, neither over-insured nor under-insured can obtain additional benefits.

3. Insurance should be preserved.

In order to save premiums, some car owners want to insure a few types of insurance, or only car damage insurance, not third-party liability insurance, or only the main insurance, not additional insurance, etc. In fact, each type of insurance has its own insurance liability, if the vehicle really has an accident, the insurance company can only bear the insurance liability according to the original insurance contract to pay compensation, and some other losses of the owner may not be compensated.

4. Timely renewal.

Some car owners can not renew the insurance contract in time after the expiration of the insurance contract, but there are unforeseen circumstances, in case the vehicle has an accident in these days, it is not too late to regret.

Of course. At present, many insurance companies have opened up the policy of purchasing car insurance in different places, because the policies of each insurance company are different and the regions are different, resulting in the purchase of car insurance in other places will also be different in one way or another. Buying car insurance in a different place should take into account the following factors:

1. Differences in premiums: There will be slight differences in rates in different regions; 2. Differences in underwriting rules: The underwriting rules of different regions and different branch structures are also different, and it is possible that some projects may not be able to be insured; 3. Service differences:

Value-added services in different regions and different branches.

There may be discrepancies; 4. Difference in claims: If you purchase insurance in other places, you need to confirm in advance, and whether the claim settlement process is troublesome; The above four points need to focus on clarifying the third point of service and the difference of service and escort service and the fourth point of difference in the claim process. Can I buy car insurance in another place?

In addition to the differences, car owners should also consider the following issues.

For car insurance purchased in other places, the insurance claim process may be the same as the local car insurance claim process.

There are differences, and the following matters need to be paid attention to during the claim process of off-site car insurance:

1. Reporting: Each insurance company has different regulations for the reporting of non-local car insurance, and when purchasing non-local car insurance, you must first confirm with the insurance company, if an accident occurs, whether to report the accident in the place of accident or in the area where the car insurance is purchased, so as to avoid the loss caused by different cases and different ways of accepting cases;

2. Loss assessment: There are also different provisions on the assessment of losses for claims in off-site car insurance. Generally, you can choose to assess the loss at the nearest place of insurance or go back to the place where the policy is located. If you choose to go back to the location of the policy to assess the loss, you should obtain the consent of the insurance company in advance when reporting the case, so as not to be regarded by the insurance company as missing the reporting deadline;

3. Repair: When the vehicle breaks down, it is necessary to report the damage before choosing to repair, otherwise you may not be able to get car insurance.

of claims. Under normal circumstances, as long as it does not affect the normal driving of the vehicle, the owner should try not to point out that the rubber is in danger to be repaired, so as to avoid more trouble caused by going back and forth between the two places due to incomplete maintenance;

4. Compensation: There are two ways to receive the claim for auto insurance: applying for it on the spot and returning to the place where the policy is located. If the car owner is not in urgent need of the car's claim, most of the car owners are advised to choose to go back to the location of the policy to collect it.

After returning to the location of the policy, the car owner can collect it from the local insurance company with the claim materials.

To sum up, can car insurance be bought in a different place? It is still necessary to consider carefully according to the owner's own situation. However, many insurance companies have launched an online insurance platform, and car owners in different places can choose to apply online, which not only can enjoy certain discounts, but also solve a lot of troubles in remote car insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"