Car can buy cheaper in different places, car insurance？

A lot of people will because of the price concessions, in different places to test driver's license, in different places to buy a car。 When buying a car in a different place, dealers often tell car owners: if combined with the purchase of auto insurance, the price will be more favorable！

At that time, want to listen to the dealer's advice, buy auto insurance in different places？

To solve this problem, let's analyze the pros and cons of different places to buy auto insurance Bai。

Benefits of buying auto insurance in different places

1, many insurance companies have realized the national compensation, even if the purchase of auto insurance in different places, you can also find the nearest settlement。 However, it's important to find out if the insurance company has a claim settlement in your place of residence before buying it。 Otherwise it would be tragic。

2, different places to buy auto insurance, for out of danger more owners, the price is relatively favorable。 Because the vehicle insurance information platform can only be local network query, remote insurance companies are not able to find the last year's claim information。 Therefore, the insurance company will identify the customer as not out of danger last year, in accordance with the insurance company's underwriting rules, so that the customer can enjoy 0. 7 - 0. 85 % discount。

Disadvantages of buying auto insurance in different places

1, off-site auto insurance claims also need to go to the field to deal with, this is because at present, many insurance companies are competitive, even the national unprofor may not be able to carry out business contacts well, which causes the owner in the report claims difficult。

2, on the other hand, according to the current travel tax policy, travel tax collected by the insurance company, the owner for the vehicle to buy car insurance, should pay travel tax together, but in accordance with the travel tax territorial collection principle, the insurance company is unable to provinces for the tax authorities collecting travel tax。 Therefore, owners must also pay their own travel tax, the process will be cumbersome。 In addition, if the owner and the insurance company claims disputes, according to the principle of territoriality, the owner is the need to negotiate to the vehicle insurance purchase, such round trip, the cost will be very high。

3, the state is strictly prohibited the branches of insurance companies across provinces, autonomous regions and municipalities directly under the central government to operate insurance business, so, the owner should carefully consider the influence of different auto insurance on their own。

Matters needing attention in purchasing auto insurance in different places:

1, the premium difference, the rate of different regions will be slightly different。

2. different underwriting rules. at present, the underwriting rules of various branches of many insurance companies are different, leading to the fact that your car may not be covered, or some kind of guarantee project may be limited。

3, service differences, the value-added services of each branch of the insurance company may be very different。

4, claims differences, off-site insurance, you need to confirm, in the process of claims will be more trouble。

5. you need to confirm whether the matters related to auto insurance have an impact。 For example: travel tax payment, annual inspection, etc。

Through the above comparison, do you want to buy auto insurance in different places, believe that smart car owners should have the answer in my heart。

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