Qiao screening motor insurance

Xiao Ke year of vehicle insurance is about to expire, there have been phone call from the insurance companies to provide auto insurance information. Xiao Ke repeated comparison of the number of home services and rates and preferential terms, the beginning of this year's Sicun insurance plan.

How a dangerous time for the old and the new poor

However, the days of contingency situation, Xiao Ke advice on vehicle insurance in the busy , September 5 on their way home, she accidentally hit the lock, if not repair the car is not out of the opening. A friend suggested that she first experienced on the motor vehicle again and raises the circumstances which, Xiao Ke amazed to hear a series of smart friends.

Each of the original insurance at the turn of the old and new, individual insurance companies can be continued for some time ahead of a new insurance, this new insurance rates have been concessions to the Chuxian record as the basis. Xiaoke last year to buy the Pacific Insurance Company of vehicle insurance, expired on September 26, on the advice of the second insured, Taibao to 20 days in advance, can be safely ahead of two months, PICC only 10 days in advance. If Xiao Ke in the September 6 Maihao new insurance, just before her car once to 1,000 yuan a small incident will not affect insurance rates this year, the new concessions. After the September 6th to the 26th this time, she can take to repair the old policy, Chuxian only appear in the records office in the old. At this time the new insurance benefits have been enjoying, not under the influence of the auto insurance benefits, indeed Yijianshuangdiao.

Screening programme for vehicle insurance

The first new cars are basically the motor car from the shop 4 s charge d'affaires, insurance costs covered by the price,. Xiaoke only know their own risk on the whole, little was known about the other. This year, re-insurance, the whole thing fall on them.

Span all types of security

She Xianzhao motor of the Department of millet friends understand the contents of the vehicle insurance, know what the risk is necessary.

TAC-risk insurance is necessary only cross-strong third party insurance, 60,000 yuan to the breakdown of the amount of compensation, the case is the responsibility of payment include: disability among the highest of five million, three medical service is 8,000 yuan, 2000 yuan for the three properties. This amount is considered the factors and the affordability of premiums after consumers identified, is still a novice period Xiao Ke, is far from enough, on the basis of this need to add commercial insurance.

Three additional risk to commercial insurance for the three cross-dangerous added that the security is also a third party, but no breakdown of the amount, regardless of the three disability, health, property are included. Their grade from 50,000 to 100 million, higher liability limits, the smaller the gap between premiums, such as 200,000 yuan and 150,000 yuan of the standard post only 81 yuan. Owners may choose to raise a corresponding grade, in general, be able to cope with some 50,000 small accident, 100,000 yuan to meet the general accidents, more than 150,000 yuan will be fundamental worry.

Other types of notes if the car often friends, they should vote in the vehicle liability insurance, to reduce traffic accidents the risk of medical costs, insurance seats should be approved.

Broken glass often run high risk for the car or prone to patronize the car thieves.

Scratch risk for malicious scratches protect the car. Generally only three years before the new car over.

Bao is the risk of wading wading the car engine damage. Green included in the risk Chesun Xian, Taibao, and PICC alone this risk. It should be noted that, if the car after wading off, the driver artificial Zaida fire caused damage to the engine is not in payment limits.

Risk of spontaneous combustion is still in the warranty period for the new car, a superfluous and unnecessary.

There is also the risk of various non-Mianpei insurance, the insurance can solve the above Mianpei part of the cost.

Boxers insured portfolio

Finally millet remind Xiaoke: cross-risk insurance and commercial insurance in the best one on. If the two split, claims when required to provide two sets of materials, and claims to follow the principle that pay-first, business added that such owners can only provide a copy to the post, but some insurance companies are not authorized copy of the .

Xiao Ke millet help of the small but novice, I cherish a new car, hope to have comprehensive safeguards, the most appropriate option is: cross-three commercial insurance + (10 million) + + Che Sunxian officers liability insurance on board Dao Qiangxian + + + dangerous broken glass separate the various non-Mianpei risk insurance + + scratches wading dangerous.

In addition, the insured amount Che Sunxian according to the prices of that year by premiums, will not be more security and more pay. When the attention of price depreciation insurance.

Dao Qiangxian insurance, vehicle depreciation of the purchase price and low fares, whichever comes, so do not insured by new car prices, otherwise they will only to pay premiums and not more than in the corresponding compensation.

Qiao comparative shopping insured

Programming, Xiao Ke start looking for ways insured. Recently several insurance companies call or send text messages to provide auto insurance prices, some even in the low 30 percent concession on the basis of further concessions can be 15 percent, Xiao Ke feel less at ease. Because before heard of some staff not to place insurance premiums, claims can not be the final thing, she decided to find an insurance circles of acquaintances Xiaomei advice.

With the help of the Xiaomei, Xiao Ke start their own operations.

Brand choice

In the brand, she decided the election Taibao, PICC and Ping An. Because of the brand and management services in comparison norms, claims also guaranteed.

Channels of choice

In insuring the way, she compared through insurance agents, 4 s shops, insurance agents and insurance companies nationwide unified dial the customer service lanes in several ways, such as the way the price.

According to the programme, quotes are as follows:

4 s in the shops, Taibao 30 percent discount, the pricing for 4,084 yuan (480 yuan send vouchers); PICC to 4,099 yuan (480 yuan send vouchers); safely for 3,922 yuan.

Direct insurance companies nationwide unified call the customer service lines, Taibao Price for 3,925 yuan, 3,945 yuan for the PICC; safely for 3,434 yuan (100 yuan send oil card).

Through insurance agents, to 4081.82 yuan Taibao Price; PICC to 4020.57 yuan (500 yuan send maintenance card);

4161.82 yuan for peace. It is worth noting that the agency members on the basis of this concession (TAC strong 3 percent, commercial 15%).

Through insurance agents, the premium will be higher than the 500 to 1,000 yuan, if the agent to find a friend, some may return.

Renewal for comparison

Renewal concessions, Taibao on an annual insurance premium maintenance costs do not exceed 70 percent of the customers, giving 30 percent of the concessions, as the case may be floating in excess of 10% to 30%, as high as 10,000 yuan more than the Jubao. PICC was the Chuxian two concessions to customers within 30 percent, more than twice as high as 10 percent to 30 percent, four times more than the Jubao. Green on maintenance costs no more than the previous year premium of 100% and Chuxian two concessions to customers within 30 percent of the premium maintenance costs in the previous year's 100 percent to 300 percent, Chuxian 2 to 5 times for 20 percent of the customers, More than 300 percent, more than five times the number of concessions to 10 percent, more than six times the rate to as high as, but not Jubao.

Comparative claims services

4 s insurance through the store, straight to the general membership services and pay through an agent so that agents can be directly responsible for claims or insurance companies nationwide unified call the customer service lanes in agents, will have to find out with the cooperation of the compensable straight points which , To consider the road, cooperation, quality of service shops, and other issues.

It is worth noting that direct compensation is a very convenient way to repair the claims, if the two sides agreed that the incident sentinel plant vehicle, the owner and the insurance companies do not have to deal with the need to advance from the cost of car repair plant on the fixed-point directly after the car can The.

Services, similar to several insurance companies, such as pick-up trucks sent to the loss adjustments (safely limited to 60,000 yuan more than the car) and even provide means of transport vehicles. 24-hour free-accident rescue (SAR within the general requirements of the city), free delivery of oil.

Remote Chuxian claims, the country is safely above the county level cities-will-pay, in different places after the Chuxian, the first advance, followed in different places can get claims. PICC more outlets, the National Qualcomm, but unreasonable compensation, the need to advance, to get back to the local claims. Taibao the country-could also lose, but the network as PICC, to advance from the customer first, the day may be less than 2,000 yuan claims, required more than 10 days after.

Various comparison, Xiao Ke feel safe in the auto insurance prices and concessions on the obvious advantages, but listening to a friend that peace will not much point loss, but not near their homes and security cooperation between the 4 s shop; Taibao capital Higher costs, may be in their own home near his home with the cooperation of the Shanghai Volkswagen 4 s stores, can enjoy the convenience of direct compensation. Eventually, the small price of 3,580 yuan can be bought Taibao the motor.