I use a lot of cars, and I often go to other places to buy car insurance

Ping An Auto Insurance. Ping An car insurance is low and does not come at the cost of reducing service quality, choosing Ping An ** car insurance or online car insurance can not only save 15 premiums, but also enjoy the same car insurance liability and escort services as traditional car insurance.

It is understood that from February to April 2010, there were about 10,000 claims of Ping An Auto Insurance with less than 10,000 yuan, and the compensation achievement rate within one working day basically met the claim timeliness needs of most customers of Ping An Auto Insurance.

Nationwide compensation, 24-hour car insurance report acceptance and consultation, local settlement of insurance in different places, customers do not need to pay repair costs. According to the data, in the first quarter of 2010, Ping An's personal auto insurance customer satisfaction rate was 90%.

If your car is new and the price is relatively high, you can opt for car insurance from a large company. Because the more high-end the car, the higher the repair cost, once an accident occurs, the greater the economic pressure that may be undertaken, and the compensation amount of large companies will be relatively higher, and the level of the designated repair shop is also relatively high.

If your car often goes out for long distances, then you should try to choose a relatively large insurance company like PICC and Ping An to insure, because such insurance companies have branches all over the country, and if you encounter trouble, you can immediately handle damage assessment and claim settlement locally.

If you want to be cheap, you can buy it through telemarketing, and it is better for a large company.

If you want to be convenient, buy it in a 4S store, and drive the car directly to 4S after the accident, and they will help you deal with it all.

Bora's words, the first year recommendation: mandatory: traffic, car damage, 500,000 for the three, excluding deductibles. Optional: add more glass for long-distance running, scratches can be added to the car without a fixed garage, other seat insurance, spontaneous combustion insurance or something is not necessary.

If you buy a large company, you can buy a large company, PICC, Ping An and Pacific Ocean, and there are all over the country, so it is convenient to settle claims.

If you have car insurance, it is recommended to enter a larger insurance company, after all, buying car insurance is to buy future claims services: PICC, Ping An, and Pacific are still good, and you can compare several ** before deciding. Try not to enter a small insurance company, otherwise the later insurance claim service will be poor, and some will even have to go to their cooperative store to repair.

Hello, the three major car insurances of Pacific, PICC and Ping An are all good, with many outlets across the country and good service.

Hello, if you get car insurance, you can choose Ping An, Pacific, PICC large companies, relatively fast appearance, fast claims.

Just choose a larger insurance company, Ping An, PICC, Life, Pacific, you can do it.

If you buy car insurance, you don't mind choosing a large company, Ping An, PICC, and Pacific are all good, and the insurance claim is relatively fast.

Hello, this vehicle insurance needs to buy a big insurance company, such as Anhua Agricultural Insurance, PICC, both are good.

Hello! In this case, it is okay to directly purchase Ping An's insurance, or PICC. Choose according to your type.

Hello, if you use more cars, you can buy full insurance when you often go to other places, and you need to buy some special insurance separately, such as wading insurance and vehicle spontaneous combustion insurance.

It doesn't matter if you buy car insurance in another place. First of all, car insurance can be purchased off-site. 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.

When buying car insurance in other places, the following differences should be considered, namely differences in premiums, differences in underwriting rules, differences in services, and differences in claims.

Applying for insurance in other places will not affect the claim in either place, but it is important to note that the insurance claim process is different from that of local car insurance claims. There are a few things to pay attention to when settling claims in other places:

1. Report the case. When purchasing non-local car insurance, you must first confirm with the insurance company whether the accident is reported in the place where the accident occurred or in the area where the car insurance was purchased, so as to avoid losses caused by different cases and different ways of accepting cases.

2. Damage assessment. There are also different regulations on the assessment of losses for claims in off-site car insurance. At present, there are two ways to choose from loss assessment: the nearest place of accident and the return to the place where the policy is located. 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.

3. Repair. When the vehicle breaks down, you must first report the damage and then choose to repair it, otherwise you may not be able to get the car insurance claim.

4. Indemnity. There are two ways to receive the claim for auto insurance: applying for it locally and returning to the place where the policy is located. Now most of them are in the maintenance, the insurance company directly settles with the maintenance unit, saving the owner all kinds of troubles. The owner only needs to sign the car after it is repaired.

Extended Materials. Car Insurance Category:

1. Compulsory traffic insurance.

Compulsory traffic insurance is mandatory under the laws of our country, so everyone who has a car must buy it. If your car is driving on the road without purchasing compulsory traffic insurance, you will be deducted points and fined if it is found by the traffic police, and if the circumstances are serious, you may be detained because it is illegal.

2. Three liability insurance.

Third-party liability insurance (referred to as three-liability insurance), this kind of insurance mainly protects the car from hitting someone else's car while driving, and the compensation money is completely paid by the insurance company. At present, there are two types of insurance for three liability insurance: 500,000 and 1 million, and car owners who are not at ease can buy the insurance amount higher.

3. Car damage insurance.

The so-called car damage insurance refers to a kind of automobile commercial insurance in which the insured is damaged by an accident while driving the vehicle, and the insurance company compensates within a reasonable range.

Nowadays, there are more and more cars on the road, and it is inevitable that some traffic accidents will occur, such as scrapes and collisions. If you have car damage insurance, the insurance company will pay you a certain amount of compensation according to the damage to the car, so that the car owner will have to bear much less expenses.

The advantage of car insurance in other places is that car owners can enjoy many discounts when handling it, which is also the main reason for attracting many car owners. So, how do you insure your car in a foreign country?

For those car owners who buy cars in other places, they are often advised by dealers to buy car insurance at the same time as buying a car, and will also give some discounts, the process is not complicated, as long as the owner shows the relevant documents of personal information, the general dealer can help handle it. Even, car owners can also find their own insurance companies, through the ** appointment service, can also be quickly and simply. However, it should be noted that the issue of vehicle tax payment, generally speaking, when the car owner buys car insurance, this fee is collected by the insurance company, and when purchasing compulsory traffic insurance, it will be required to pay together.

However, if you get car insurance in a different place, the car owner has to pay attention to the principle of this tax. Because, even if the car owner buys car insurance in other places, it is not possible to pay this tax locally, this is also because the local insurance company does not have the authority to collect it. Therefore, it is still necessary for the owner to return to his or her household registration for processing.

Therefore, car owners must think carefully when buying insurance, otherwise it will bring unnecessary trouble to themselves.

In addition, car owners must conduct a comprehensive inspection of their car condition before buying insurance, and then choose the right car insurance product. If it is a new car, then the insurance purchased is naturally more complete, such as the body scratch loss insurance in Ping An car insurance, which can make the vehicle be compensated in the case of scratching, which is also to spend less money on the maintenance of your car. However, if you have used the car for several years, it is best to buy some necessary insurance, such as the necessary compulsory traffic insurance and third-party liability insurance, which will not make your insurance expenses too much and bring financial pressure.

Even if an accident occurs, you can get a more comprehensive compensation and will not have to worry about a huge amount of compensation.

The compulsory liability insurance policy is invalid.

According to the regulations, compulsory liability insurance can only be sold in designated areas, and if a compulsory liability insurance policy in a different place is purchased through relevant channels, it violates the relevant provisions of the compulsory liability insurance provisions, which will lead to the invalidity of the policy and bring hidden dangers to future insurance claims.

Vehicle and vessel tax payment issues.

As we all know, the vehicle and vessel tax is collected by the insurance company, and the car owner pays the vehicle and vessel tax when the vehicle is insured with compulsory traffic insurance. However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures the car, the foreign insurance company cannot collect the vehicle and vessel tax, and the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees, and the owner has to work hard.

Extended Information: Benefits of Purchasing Car Insurance in Other Places:

**May be relatively affordable. At present, because the car insurance information platform can only be queried locally, for car owners with many car insurance claims, insurance companies in other places cannot find the claim information of the previous year. Therefore, the insurance company will identify the customer as a customer who has not been insured in the previous year, and the customer can enjoy the discount according to the insurance company's underwriting rules.

For example, if a customer has been insured 3 times in the previous year, the standard premium this year is 4,000 yuan, and if the local insurance premium will rise by 30% to 5,200 yuan, if the insurance is insured in a different place, he can enjoy a discount, and the premium is 3,400 yuan; Some insurance companies will even offer a 7% discount on the premium, which is as low as 2,800 yuan. In this way, insurance in other places can generally make the premium about 40% cheaper.

Precautions for purchasing car insurance in other places:

1. There will be slight differences in premium rates in different regions.

2. Differences in underwriting rules, at present, many insurance companies have different underwriting rules for various branches, resulting in your car may not be able to be insured, or restricting the insurance of certain insurance items.

3. Service differences: The value-added services of each branch of the insurance company may be very different.

4. Claim differences, insurance in different places, you need to confirm whether it will be more troublesome in the claim process.

Hello! If you buy car insurance in other places, there will be disadvantages such as invalid policies and troublesome claims. The details are as follows:

First, compulsory traffic insurance can only be sold in the designated area according to the regulations, and if the local purchase of a non-local compulsory traffic insurance policy through relevant channels violates the provisions of the compulsory traffic insurance provisions, resulting in the invalidity of the policy.

Second, when applying for insurance claims in other places, you also need to go to other places to handle them. Although there are many insurance companies that have been insured nationwide, in fact, even the competition between different branches within the same insurance company is more than cooperation, and many branches would rather increase the cost of surveys and entrust surveying companies to survey accident vehicles than contact brother companies. This has caused trouble for car owners when reporting and making claims.

In particular, when there is a claim dispute, it will increase the cost and difficulty of customer claims.

The difference between buying car insurance in a different place and buying car insurance locally:

1. Insurance ** is different.

Off-site car insurance: Premium** may be relatively discounted, no other benefits.

Local car insurance: The premium is higher than that of non-local car insurance, and it can provide some local special services.

2. Insurance is different.

Non-local car insurance: only commercial insurance and compulsory traffic insurance, car owners need to pay vehicle and vessel tax.

Local car insurance: one-stop service, car owners do not need to go to other places, all insurance car and vessel use tax and other insurance companies one-stop agency.

3. Claims are different.

Non-local car insurance: If the car owner has a dispute with the insurance company regarding the claim, according to the principle of territoriality, the car owner needs to negotiate with the place where the car insurance was purchased, so the cost of going back and forth will also be very high.

Local car insurance: fast insurance service, car insurance survey and damage assessment, convenient compensation, and towing services.

For China, large domestic auto insurance companies such as Ping An, PICC, and CPIC have achieved nationwide compensation, and these companies have opened branches in various cities in the country. There is no difference between buying insurance in a different place and buying insurance locally.

Once you have an insurance in a different place, you can go through the insurance company's remote claim channel, as long as you go to any of the insurance company's claim outlets, you can enjoy car insurance survey and damage assessment, accept claim documents, pay insurance compensation and other services.

It must be local, and the claim is settled quickly***.

I think it's better to buy it locally.

Buy the best place where you want, it's a little more convenient.

Although car insurance is criticized by many people, some types of insurance are really indispensable. As the saying goes, if you walk by the river, how can you not get your shoes wet.

No matter how good anyone's driving skills are, there is no guarantee that there will be no accidents. When the accident happened, no one can say. If you don't hit people, it's possible for others to hit you.

Although there are many rules and regulations in insurance companies, there are many overlord clauses. But the moment of truth is still useful.

Share a case study from your side. The driver of a large bus in this unit has driven a passenger car for decades, and there have been basically no accidents. Driving skills are leveraged.

Someone else changed the brake pads three times, but he hasn't changed them yet. He said that it is very important to be bold and careful to drive with a good car, and to anticipate in advance. Drop the throttle, play the direction, and always pay attention to the situation ahead.

It's fast, it's slow.

The year before last, at the age of 60, his driver's license was downgraded, and he retired completely. So he sold a noodle to pick up his grandson and fished on Sundays. When the vehicle is licensed, buy a compulsory insurance. When he was on the card, I also advised him to buy third-party insurance. He said no.

Sure enough, on a trip to fishing, the road was narrow, and an old man riding an electric three-wheeler collided with a vehicle, and the old man died after being sent to the hospital. He is in charge. In the end, in addition to the compulsory traffic insurance, nearly 300,000 yuan was compensated. This money can only be paid for by yourself. And the C driver's license was also revoked.

Do you think it's worth it?

There are many forms of insurance, such as compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is compulsory insurance, and it cannot be licensed if it is not sold. Commercial insurance includes seat insurance, third liability insurance, theft insurance, glass breaking insurance, body insurance, flood insurance, etc.

So, is it necessary to buy them all?

I have been in the industry for decades. It doesn't matter where the vehicle goes. Compulsory liability insurance and third liability insurance must be purchased (and not less than 1 million).

As for body insurance, it depends on the value of your vehicle, or where you are driving. If the value of the vehicle is high and you often run long distances, it is recommended to buy body insurance. On the contrary, you can not buy the staring code.

As for other types of insurance, you can purchase them according to your financial situation. Not bad money to buy everything.

To sum up, vehicles that often run in other places, in addition to paying compulsory, must purchase third liability insurance. And passenger insurance and car damage insurance are best not missing. Others can be discarded.