How can insurance be most cost - effective？ Bought a car to insurance, and in the face of many insurance companies and insurance, how to according to their own conditions and requirements to insure, how to maximize the efficiency of money is not so simple Before the text begins, let's say a few words of digression: First of all, buying insurance is like buying a car. when you are overwhelmed by many insurance companies and many kinds of insurance, we give you some basic knowledge about insurance companies and all kinds of car insurance。 Secondly, because the premium is a complex calculation software that combines a lot of conditions, the calculation method of each company is not the same, we don't want to analyze and compare the specific rate and calculation method of each insurance company today, but to give you some considerations and skills to buy insurance。 These include how to choose the insurance company, how to choose insurance, and so on。 Finally, we also introduce some new changes in 2....00 5. insurance and some background knowledge of the current controversial " third party liability insurance" and some of our insurance price forecasts。 Let's talk about the most important - how to choose an insurance company？ At present, a lot of car insurance companies, including PICC, Pacific ( CPIC ) and ping an company belongs to a relatively large, nationwide business companies, the characteristics of the big company is the higher standard of claims, claims process is relatively fast, and in many cases can be in accordance with the 4. s shop maintenance costs to compensate customers, therefore, if 1..... Your car is a new one 2. Your car is relatively expensive 3.... You have higher requirements for maintenance quality So, we recommend that you choose a large company, and it is best to buy a car in your 4 s shop insurance, so that you can better meet the requirements of maintenance and claims。 But the disadvantages of big companies are: 1. The same models and insurance, the premium is higher than the small company, for example, is also a new car of 100 thousand yuan, PICC one year's total insurance premium may be 500 ~ 600 yuan higher than the small company。 2. Because of its monopolistic position, big companies may have some more unfair terms。 Such as PICC's " insurance amount of 500 yuan does not compensate"。 And the characteristics of small companies and large companies, on the contrary, in general they pay less than large companies, fixed-point maintenance factory level is not as good as large companies, and sometimes the quality of service is not reliable enough, but usually the rate will be relatively low ( book cost is not necessarily low, but the discount is very big ), therefore, if 1. Your car is an old one 2. Your car is not expensive 3. You don't have a particularly high requirement for maintenance quality So, we suggest you choose a small company, which is more cost - effective。 In addition to the above general rules, insurance companies in order to win customers, sometimes will launch some phased benefits, such as the current ping an Beijing telephone insurance can enjoy a relatively large discount range, should also be taken into account。 After choosing an insurance company, let's look at - How to choose insurance？ Automobile insurance is divided into basic insurance and additional insurance according to the importance, including: vehicle loss insurance and third party liability insurance。 Additional risks mainly include: the whole car theft and rescue, car liability insurance, glass separate broken risk, spontaneous combustion loss risk, excluding special insurance and so on。 There are several considerations and tips: 1. Third party liability insurance is mandatory, otherwise the insured vehicle can not pass the annual inspection。 2. Vehicle loss insurance is the basis of additional insurance, only to protect the car damage insurance to protect other additional insurance。 3. Additional risks, the owner can choose according to their own situation: For example, if your car has been parked in a more reliable and safe parking lot in the daily use process, and there is no special quiet road section on the way to and from work, you can consider non-theft emergency rescue ( but if your car belongs to a very common model with a high loss rate, it must be theft emergency rescue )。 If your car is very cheap, then the premium of glass insurance can reach 30 % ~ 40 % of the price of windshield itself, it is not cost - effective, therefore, can consider giving up glass insurance。 If your car is a new car, then the probability of spontaneous combustion is very low, can consider。 4. We suggest that we must insure against non - compensable risks, otherwise, once out of danger, the insurance company will only pay up to 80 % of the total loss。 5. It is also important to note that many insurance companies now charge rates based on different models, and some older or older models may charge higher rates。 Third party liability insurance will increase in the future？ Compared with foreign countries, China's third party liability insurance of the maximum compensation limit is relatively low, our common standards for 50 thousand yuan and 100 thousand yuan, in the occurrence of major traffic accidents caused casualties, the money is negligible。 In foreign countries, the maximum compensation limit for third party liability insurance is usually in hundreds of thousands, millions of dollars ( or euros ), and are mandatory, so that in major traffic accidents, casualties and family members can get enough compensation。 So, why can't our country reach such a high payment amount？ Let's start with the account: in 2003, 23.8 million motor vehicles were insured in China, and the commercial three-way insurance premium paid was 19 billion yuan. in 2003, nearly 600,000 people were killed or injured in car accidents。 If the average compensation of 100 thousand yuan per casualty ( not much ), 100 thousand x 600 thousand people = 60 billion yuan。 60 billion yuan to 19 billion yuan, there is a gap of 40 billion yuan, if you want to increase the amount of compensation, the gap will be bigger。 Therefore, in order to get more compensation for the accident victims, there are several ways in theory: 1. Improve traffic safety and reduce that casualty rate of traffic accidents; 2.. The establishment of social security fund, supplementary funding gap; 3.. Increase the premium of third party liability insurance。 In practical terms, reducing the casualty rate in a short period of time is quite difficult, so the establishment of a social security fund and raising the premium for third-party liability insurance may be more feasible in the future。 Small knowledge: Three big insurance companies: China people's property insurance co., ltd., Pacific insurance company and ping an insurance company China people's property insurance co., ltd. ( hereinafter referred to as the " mediator" or " PICC" ) is the largest non-life insurance company in mainland China, which is initiated by PICC holding company。 In terms of motor vehicle insurance, the mediator occupies about 70 % of the domestic market share, is the absolute auto insurance industry leader, so its every move has a great impact on the market。 China Pacific insurance company ( hereinafter referred to as the " Pacific" ) was established in 1991, the company's headquarters in Shanghai。 After more than ten years of development, the tai Bao company's motor vehicle insurance business scale rose quickly, now ranks second among the nine major Chinese insurance companies in China。 Ping an insurance company of China was founded in 1988, headquartered in Shenzhen, is a hong kong listed company, premium exceeded 50 billion yuan in 2002。 At present, the scope and scale of auto insurance business has been considerable。 Several main types of insurance: Basic insurance: vehicle loss insurance, third party liability insurance Additional risks: theft and rescue, glass risk, spontaneous combustion loss risk, excluding non - compensation Vehicle loss insurance: Vehicle loss insurance refers to the natural disasters ( excluding earthquakes ) or accidents within the scope of insurance liability of insurance vehicles, resulting in the loss of insurance vehicles themselves, the insurer shall pay compensation in accordance with the provisions of the insurance contract。 Third party liability insurance: Third party liability insurance refers to the direct loss of personal injury or property caused by the accident of the insurer, and the insurer shall pay compensation in accordance with the provisions of the insurance contract。 Whole vehicle stolen rescue Responsible for the compensation of vehicle accidents caused by personal injury and direct damage to the goods on board the vehicle。 Windshield individual risk Other parts of the vehicle are not damaged during parking or use, only the windshield is broken or broken separately, and the loss of the windshield is compensated by the insurance company。 spontaneous combustion loss danger Spontaneous combustion loss insurance, the vehicle due to the failure of the circuit, line, oil supply system and due to the carriage of goods due to the fire caused by the combustion of the loss of insurance vehicles。 Exclusive of special insurance Vehicle loss insurance or third party liability insurance accident caused by compensation, corresponding to the insured bear the amount of compensation, by the insurance company is responsible for compensation。 Northeast news network
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