How the new car was the most cost-effective insurance »insurance experts recommended to you

After a survey found, for the purchase of vehicle insurance, new car owners most concerned about the price, but experienced a report, take photographs, set loss, claims, claims for compensation procedures, such as the "old" owners more concerned about claims of convenience. Their claims for the tedious Clearly, much less entrusted to the agents or distributors more you will.

Ms Cheng recently bought a 129,800 yuan of the new Bora, You Juzu step into the ranks, but for car insurance she was puzzled. Insurance companies, 4 S stores and agent gave Ms Cheng Price, the same Pacific Insurance Company, the same car insured losses, the three, robbery and non-Mianpei, quotes, the highest reached 4,944 yuan, the lowest bidder, only 3,735 yuan.

Insurance companies, 4 S stores to Ms Cheng quotes are more than 4,500 yuan. Reported to 3,735 yuan for insurance agents clerk He bluntly said: "800 yuan cheaper in the original are my fees! Now the most valued customers prices, comparative shopping is very common. I offer low, Because I have to give a rebate to most of the owners, their Zhizheng San Sibai yuan. "Chen said, the insurance pricing in the margin of preference is usually 17 percent.

But low prices do have risks. According to the China Insurance Regulatory Commission's investigation, the Beijing insurance agency staff, a "basic insurance agents practitioners credentials" and "insurance agents practitioners exhibition industry certificate" less than 80 percent. Last year, this newspaper also reported that the owner was forged license sales to a few thousand dollars insurance policy premiums Pianqu the case.

According to a company management that the company's auto insurance business more than 80% of individuals have come from automobile dealers and agents, the proportion of direct charges about the performance. Many agents and dealers at the same time more than agents of the motor insurance companies, whose high fees on Which to the office, are often small-scale insurance companies dished out high fees to attract agents, rather than direct users .

Quote of the insurance companies are calculated by the results, with the exception of designated drivers, certain models have a certain coefficient of concessions, no two prices, but few owners directly to the insured. Although insurance companies try to direct contact by telephone to end customers, such as Ping An Insurance's "Yixian Tong", compared with the standard rate cut, but limited to the owners and publicity to the consumer inertia, performance is not satisfactory.

Despite higher prices, but the 4 S stores to avoid risks, the quality of aftermarket obviously more secure. In fact, 4 S stores to play the same "agent" role. With the insurance companies signed "agent contract", 4 S shop, was awarded a single power, can never get lower than the proportion of agency fees. 4S shops often as a price for the capital, is not directly in the insurance discount Rangli.

Insurance proposal

Technology unskilled, and often the accident occurred Guaceng owners may consider the 4 S shop insurance. Even with the brand 4 S stores, will also choose different insurance companies, insurance premiums, services vary.

Jialing long, Chuxian low rate of car owners may choose to lower the price premium to the agent alone. The major insurance companies established by the loss relatively more outlets.

-- Survey

500 yuan to buy 000 phone owners

More than the insurance company officials told journalists that call, send text messages to the owners to sell most of the insurance company's sales agents, insurance companies instead of the official staff. It is learnt that as long as 500 yuan will be spent in 2006 to buy the records of tens of thousands of car owners, insurance agents can be so "starting."

A five-year business of insurance agents revealed that many channels are available all relevant information owners, including owners name, phone number, model, license plate number; data may come from the sale of 4 S shop car registration, vehicle testing and field Loss outlets for insurance companies. Spent 500 yuan, you can buy first half of 2006, tens of thousands of owners of record. Two insurance agents to sell insurance compensation has been a profit.

4S shop you will most claims

Most of the rights granted to the single-agent, 4 S shops also received some degree of agent claims the privilege. People's Insurance claims a manager said that in car accident repairs, requested to 4 S stores, to the original owners of the increasing number of accessories.

Agencies are often limited to the loss of 5,000 yuan within the Peian. Within the limit, to take photographs or real-time monitoring of the camera determine the location and amount exceed the limit, owners need to personally handle the insurance company.

In contrast, in 4 S stores more convenient for the claim. 4S shops will be a higher authority for loss, or directly from the insurance company posted losses for members. San Yuanqiao Toyota store is a typical representative of People's Insurance, the Pacific, three insurance companies have safely set up shop in the loss of the staff.

A single company carefully exurbs

It is worth noting that some in City 4 S stores in order to earn high fees, and the choice of district and county suburb of insurance companies, but also to gain greater amount of the loss of authority. Once two or termination of cooperation beyond the scope of claims, the owners need to set loss from the exurbs to receive compensation, trouble Feitongxiaoke.

Facilitate co-exist with the hidden danger

The commission maintenance, agents also have the advantage of its flexibility. With the agency to establish cooperation between the repair shop, most of the second category aftermarket companies, to offer the service door Jiesong Ju, and the report, fill in a form to do that for them. But from the insurance company's surveys show that the use of plant parts, artificial expansion of the loss of the reported increase in frequency is also more in such repair shop, the owner asked to produce their list or set loss to the insurance company direct enquiries, which may be waived Vehicles were the danger of man-made damage.