Why is there a big price difference in car insurance, and where is the cat?

The difference in car insurance is really large, I have a sense of insurance and responsibility, the demand for insurance is the need for reasonable planning, I want to find the design of the right type of insurance and the amount of protection, so as to ensure that nothing goes wrong.

For commercial insurance, the insurance rate is related to the insurance rate, the type of insurance, and the number of points of the salesperson. As far as the rate is concerned, the rate for new cars and transfer cars is 95% off the standard rate, and the renewal vehicle can have different discounts such as 855% off and 76% off according to the number of accidents in the previous year.

InsuranceIn the case of insurance, it depends on the amount of insurance, the same risk of damage to the vehicle, for the type of vehicle may be different, resulting in the existence of different cars**, the amount of insurance is different.

Traditional commercial insurance sales channels, up to 15% handling fee, 15% tax can be deducted, so the sale is rarely refunded, otherwise he will also be taxed, generally about 10% return, some do not return, depending on personal skills. So, the salesman isThere are rebates。That's what insurance is forTransfer of risk

This may not have been purchased from a salesperson's **The cheapest wayBut if there is a problem, he will help you contact the appropriate person to follow up. Some can also help you choose to increase the amount of compensation. ** And direct absolute rates for the internet are low, but damage and repairs are limited, but there is little room for business for an individual to claim an accident and is up to the insurance company to decide.

Therefore, such an accident rate is still relatively small.

There are many car enthusiasts who will buy a huge amount of insurance for their cars, which is nothing to say, but you need to choose a reliable insurance company, you must clearly understand the details of the policy, give yourself a safety, and don't let others take advantage of it.

We all know the truth that you get what you pay for when we buy things, and car insurance is the same, and the insurance bought by the salesman is not necessarily the same, some are high and some are low.

Factors that determine car insurance**:The first point is the issue of rates:NewThe car, bus and insurance rates were higher than the previous year

Generally speaking, for new cars and transfers, the rate is a standard 9% discount, which is renewed according to the number of years of insurance, and there can be different discounts such as 8% off, 7% off, and 6% off.

The second point is that there are different types of car insuranceCar insurance is a general name, covered by multiple and covering a wide range of areas, such as car insurance, third party liability insurance, theft, glass alone and shattering insurance, spontaneous combustion risk, scratches, engine wading risk, regardless of franchise, insurance risk, ** the higher it is. The type of insurance, the discretion of the amount of insurance, the same report, may have different uses of the above model, the value of the choice is different, resulting in the amount of car insurance is different, such as the value of automatic cars using manual cars, the forehead is usually low, the insurance premium drops, or it is more troublesome to get rid of the danger, especially the spread, engine parts, such as solving problems.

The third point is sales rebates: commercial insurance policies sold through traditional channels, up to 15% handling fee, on 15% commission, rarely all refunded to the salesman, otherwise their own and tax deduction points, the average rate of return of 10%, and also did not come back, see the salesman's personal skills. In addition to expenses and performance, this is very low, and salespeople generally do not return to customers, and business has been so difficult.

I think everyone should also collect more information and look at it in an all-round way when buying car insurance, so as to avoid buying the wrong insurance and not getting better compensation benefits in case of an accident.

Vehicle loss insurance refers to a kind of automobile commercial insurance in which the insured or the driver allowed by the insured to drive the insured vehicle has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company shall compensate within a reasonable range.

It is also car insurance.

One of the most widely used types of business insurance. There are dozens of types of car insurance, and premiums vary depending on the combination of plans. The slag insurance premium will vary with the amount insured for each type of insurance with shed.

And change. For example, if the purchase of a new car is determined by 25% of the vehicle and 30% of the vehicle, the amount of coverage for vehicle damage insurance will be different and the corresponding premium will be different.

The use of preference factors will also vary. For example, when a customer applies for insurance, the agreed driving area is in the province, and the premium will be more favorable. If you choose a different renewal channel, the premium will be different.

Premiums for direct and direct marketing by insurance companies are generally lower than premiums for traditional channels. Determined based on the purchase of a new vehicle** at the time of application. The purchase of a new car for an insured vehicle** refers to the purchase of a new car of the same type as the insured vehicle at the place where the insurance contract is signed.

Determined based on the actual value of the insured vehicle at the time of insurance. The actual value of the insured vehicle is the purchase of a new vehicle of the same type** minus the discount amount. The actual value of the insured vehicle at the time of insurance is determined based on the purchase of a new vehicle** less the amount of depreciation at the time of insurance.

If the term is less than 1 month, depreciation is not included. The maximum depreciation may not exceed 80% of the purchase of the newly insured vehicle** at the time of purchase. It is determined by negotiation based on the purchase of the new car** at the time of insurance.

For new equipment other than the standard configuration of the insured vehicle, the name and list of the equipment should be listed in the insurance contract, and the insurance amount can be increased accordingly according to the actual value of the equipment. New equipment and insured vehicles are depreciated together.

The impact of the pricing level of the vehicle damage coverage amount has been understood. It should be cautioned not to overinsure. When applying for insurance, car owners should pay attention to the changes in the vehicle** and adjust the insurance amount accordingly.

Don't spend money in vain, and don't get compensated accordingly. If an unscrupulous business person wants the car owner to be overinsured under the pretext of the company's regulations, the car owner can ignore it and determine the insured amount according to the actual situation of his vehicle.

This is because the car damage insurance is determined according to the degree of damage to the car, and the amount of compensation is also different, so it will be paid according to the actual situation, so the price difference is still relatively large.

Because there are many types of car damage insurance, the payment methods of different car damage insurance are different, so the price difference is so large.

Because the pricing of each agency is different, and the damage area of the car is not the same, car damage insurance is a must for every car owner.

Car insurance includes dozens of insurance types, and the premium will be different depending on the combination of insurance types. For example: insuranceAll threeand insurance for the third partyCar damage insuranceThere is a difference.

The premium will vary depending on the sum insured for each type of insurance. For example, if the purchase price of a new car is determined by 25% of the car price and determined by 30% of the car price, the amount of car damage insurance will be different, and the corresponding premium will be different.

At present, all major insurance entities use the car price data of the Jingyou database, but each insurance company has different regulations on the proportion of non-new car price reduction, resulting in different premiums**.

Precautions for car damage insurance.

Car damage insurance must be fully insured. Some car owners are underinsured in order to save premiums for the banquet, and if the vehicle is damaged due to an accident, they will not be fully compensated. Experts remind: For car insurance, it is sufficient to insure in full, that is, how much the actual value of the vehicle is.

It should be noted that each car only needs to be insured with one compulsory traffic insurance, and it is not cost-effective to repeatedly insure and overinsure. Insurance Act

stipulates, duplicate the amount of insurance insured.

Zhongbao Car Club is here to answer your questions

Why is there such a big difference in car insurance** from different insurance companies?

It depends on whether you are inquiring in the same channel, if the channel is different, the impact will be greater.

In the insurance company's ** with Minsheng channel, online sales and telemarketing ** are the lowest, other channels also have Internet third-party platforms, 4S stores, insurance people, repair shops, etc., the cost of each channel will be different.

If it is determined that the channels are the same, then the widening of the impact is the type of insurance and the amount of insurance.

Finish. For example, the difference between the insurance companies of the three major families will not be too much, at most within a few hundred yuan, but if there is particularly cheap car insurance, you should pay attention, because it is likely to make a fuss about the amount of insurance and the type of insurance, some do not check it, or the amount of insurance will be reduced a little, and it will naturally be expensive.

Zhongbao Car Club, accompany you all the way to travel safely!

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

Hello, this is the chaos of the previous insurance company, after the fee reform on January 1, 2016, the ** of each insurance company is the same, there is no unfair competition, it is best to choose a competitive big brand company without returning to buy car insurance, it is very important to choose a responsible insurance person, and the follow-up service of insurance is our need, and can not be confused because of a little gift.

First of all, car insurance is divided into compulsory traffic insurance and commercial insurance, and there are 12 different types of insurance under commercial insurance, and there are several differences in the types of insurance, such as third-party liability insurance, the insured amount of 200,000 and the insured amount of 500,000 insurance ** are definitely different, in the case of no preferential commercial insurance, if you do not get on the car damage insurance, the three liability insurance ** is lower than the three liability insurance ** after purchasing car zhidao damage insurance**. Then there is the car personnel liability insurance, only buy 10,000 per seat of the accidental medical version and buy 100,000 per seat of accidental injury and 10,000 accidental medical treatment, that ** is certainly not the same, these ** changes, but also led to the change of not deductible, so, if you want to compare the car insurance of different insurance companies** which is more favorable, you should unify the insurance content first, and then go to the inquiry. For example, if you want to insure your car, car insurance, compulsory traffic insurance, car damage insurance, third-party liability insurance of 1 million, 100,000 people on the car, theft insurance, all kinds of deductibles, special terms of designated repair factories and motor vehicle loss insurance, third-party liability insurance and other types of insurance.

Then you should ask different insurance companies about the same insurance items you want to insure, and finally compare different insurance companies to give you car insurance** and various discounts, and decide which insurance company to choose.

Why is it different for different companies to buy car insurance? How to save money, the old driver taught the skills.

A Guaranteed Driver Insurance Consultant has the answers:

1. For compulsory traffic insurance, the standard premium for a normal 5-seater family car is 950 yuan, such as the car in 2012, the new car compulsory insurance is 950 yuan that year, and there is no insurance for one year, the compulsory insurance premium in 2013 is 855 yuan, and there is no insurance in 2014, with a premium of 760 yuan, and no insurance in 2015, the premium is 665 yuan, and the minimum compulsory insurance is 665 yuan in the future; If there is one accident, the premium for the current year is 950 yuan, and if there are two or more accidents, the premium is 1045 yuan.

2. For commercial insurance, the premium is related to the rate, the type of insurance (the amount insured) and the points returned by the salesman.

1. Rate: New cars, transfer cars, and many accidents in the previous year, the insurance rate is high. Generally speaking, for new cars and transfer cars, the rate is 95% off the standard rate, and the renewal vehicle can have different discounts such as 855% off and 76% off according to the number of accidents in the previous year.

2. Insurance: Car insurance is a general term, composed of multiple types of insurance, common car damage insurance, car personnel insurance, third-party liability insurance, theft insurance, glass breakage insurance, spontaneous combustion insurance, scratch insurance, engine wading insurance, excluding deductibles, etc., the more types of insurance, the higher the ** nature. In the case of the same type of insurance, it depends on the level of the insurance amount, the same is the car damage insurance, the application of the model may be different, resulting in different body price choices, the insurance amount is different, such as the automatic transmission car set with the body price of the manual transmission, the insurance amount is generally low, and the premium has also decreased, but it is more troublesome when the insurance is in place, especially when it comes to gearbox, engine and other components, there are problems in the claim.

Also, third-party liability insurance, the insured amount of 200,000 or 500,000, of course, there is a difference; Whether the glass is insured with imported glass or domestic glass, and whether the insurance is insured without deductible, all have an impact on the premium.

3. Salesman rebate: Generally, the commercial insurance policy sold through traditional channels has a handling fee of up to 15%, and the 15% handling fee is also subject to tax deduction, so the salesman rarely returns all of them, otherwise he will have to post the tax point, and generally return about 10%, and there are also those who do not return, depending on the salesman's personal ability. In addition to the handling fee, there is also performance, this point is very low, the salesman generally does not return to the customer, the business has been so difficult to do, the companies are fighting the price of the blood, and then so hard to fight the points is really not done.

Of course, some small insurance companies have higher points, it is said that there are 20% or even higher, and there are various hidden discounts, such as fuel cards, phone bills and the like.

**For commercial insurance policies in sales channels, 15% of the handling fee is directly deducted from the premium, and the general salesman will return two or three points, which can not be more.

Core content: There are many types of car insurance, in the face of various "affordable" car insurance from insurance companies, as a new car owner, what should be the most suitable and cost-effective? The following is reasonably sorted out by the traffic car consultation and free ** car consultation to introduce you to the relevant "insurance experience" and the two common cats in the auto insurance industry.

1: "All Insurance" ≠ "All Insurance".

A few years ago, I bought a private car, which is not high, but after all, it is a large addition to a house for a family. ”

At first glance, he mistakenly thought that the so-called "all insurance" was "all insurance", but in fact it is not so, it is just a colloquial abbreviation in the industry, in fact, the terms of car insurance follow the deductible conventions of most property insurance, "all insurance" only includes compulsory traffic insurance, car damage insurance, third-party liability insurance, theft insurance, glass insurance, scratch insurance, car personnel liability and deductible insurance, and, Different insurance companies will also list different "special instructions" for "all risks" according to the actual situation, so as to try to narrow down the scope of claims. Therefore, when the car owner insures the car insurance, he should carefully approve what specific types of insurance he has insured, and when insuring the insurance, he can reasonably choose the insurance plan according to the different risks he faces, and what protection can be increased to purchase which protection. At the same time, a staff member of the life insurance company also confirmed that in fact, there is no concept of "all-risk" in car insurance, but it basically covers some common risks in the process of driving, and the protection is relatively comprehensive.

Cat greasy 2: "overinsured" ≠ overcompensated.

Another common misconception of buying car insurance is that many new car owners will think that they can get a higher amount of compensation by increasing the amount of insurance for vehicle loss insurance, in fact, for this idea, China's current "Insurance Law" has already clearly stipulated that the insurance amount shall not exceed the insured value, and if the value of the insurance is exceeded, the excess part is 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. "If you encounter a business person who advises you to increase the amount of insurance, then you have to be careful, this is a small trap, and it will make you suffer a big loss.

It is a small suggestion for car owners, car owners who buy insurance, the amount of vehicle loss insurance insurance can be determined according to the value of the new car or the actual value at the time of insurance, even if it is for the "second-hand car" to buy insurance, it can also be assessed by professional salespeople Its market value, as the upper limit of the amount of insurance.

Millions of car purchase subsidies.