Why is the difference in car insurance so big, and why is car insurance getting more and more expens

Different cities and different models of vehicle insurance** related to the model, type of insurance, etc., the cost of different insurance companies may be different, if you want to buy car insurance, you can call Ping An Auto Insurance customer service**95511-5 for detailed consultation.

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.

The difference in insurance price is related to the level of the claim threshold.

Car insurance is getting more expensive for the following reasons:

1. It is related to the price of the car. The premium of models with a car price of more than 140,000 yuan has increased, and car owners have reported that the insurance is not cheap at all, but more expensive; About 100,000 models** have obvious discounts, no insurance for three consecutive years, and the premium for all insurance only needs one or two thousand;

2. It is related to the region. The country is divided into ABCDE area, and the compulsory traffic insurance in Zone A will not be insured for three years, with a maximum discount of 50%; Some E zones can only be discounted by up to 30%;

3. Follow the number of accidents, compulsory traffic insurance and commercial insurance.

In the event of a claim or traffic violation, the second year's premium will be affected;

4. Car damage insurance.

Sum insured. At present, the car damage insurance, which accounts for the largest proportion of car insurance premiums, is higher for some companies and lower for some companies, which is also different;

5. Car insurance is more expensive than last year, mainly because the discounts for insurance such as commercial insurance are less than in previous years, so the insurance cost has risen;

6. China Insurance Regulatory Commission.

In the previous new policy, the policy data must be uploaded and archived simultaneously, and the above management is strict, so the discount can only be reduced;

The reason why car insurance is more expensive than last year is because of commercial insurance.

The discount of the insurance type is reduced, so the premium is **, and the new car insurance contains more protection items, so the premium will naturally be more expensive than the previous one. In addition to this, the China Banking and Insurance Regulatory Commission.

Prior to this, a new policy for car insurance required the policy data to be uploaded and archived synchronously, and the management was more stringent, so the discount could only be reduced.

The ** of car insurance is not static, it will be affected by many factors, just take the car damage insurance in commercial insurance.

The premium of car damage insurance is not only affected by the number of accidents, but also the value of the vehicle, the discount, the amount of insurance, the risk coefficient, etc., which will affect the rate of car damage insurance, which will lead to changes in the premium.

If it is high, the car damage insurance will be relatively expensive.

The reasons for car insurance** are as follows:

1. It is related to the vehicle**;

2. It is related to the region.

3. It is related to the number of accidents;

4. The insured amount of car damage insurance;

5. Discount reduction or less shooting;

6. Reduction of preferential treatment;

7. Include more projects.

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.

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.

1. It is related to the price of the car: the premium of the model with a price of more than 140,000 has increased, and the discount of about 100,000 models is obvious;

Second, it is related to the number of accidents: the occurrence of claims and traffic violations in compulsory traffic insurance and commercial insurance will affect the premium of the second year;

3. Car damage insurance.

Sum Insured: Car damage insurance, which accounts for the largest proportion of car insurance premiums, is higher in some companies, and some are lower in price;

Different brands, but the price of the car is similar, and the insurance ** is different. The types of automobile insurance can be mainly divided into: vehicle loss insurance and third-party liability insurance.

Theft insurance, car seat liability insurance, glass breakage insurance, spontaneous combustion insurance, scratch insurance, no deductible.

In the auto insurance business, the operation and management of sales and burial are closely related to the automobile maintenance industry and its leading level. The reason is the operating costs of car insurance.

The maintenance cost of the accident vehicle is an important part of it, and the maintenance quality of the vehicle reflects the quality of the auto insurance product to a certain extent.

Insurance Tips:

The role of car insurance reduces the loss of car owners to a certain extent, and vehicle damage insuranceVehicle damage insurance refers to the natural disaster that the vehicle suffers from within the scope of insurance liability.

or accidents, the third party is responsible for the direct loss of the third party's property and personnel due to the accident of the driver, and the insurance liability of the whole vehicle theft insurance of the motor vehicle is the vehicle loss caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable cost of repairing the damage or the loss of parts and accessories and ancillary equipment during the theft, robbery and robbery.

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"