How to buy car insurance is the most cost - effective
How to buy car insurance is the most cost - effective
Car insurance notice is very broad, but every car owner can not but pay attention to��
In the new car market, consumers have so many choices that they must always be rational: cars with high theft rates and high maintenance costs will pay more insurance premiums�� If you can't choose between two cars, Americans will go to their insurance agent, insurance agent will tell them the two cars different " insurance value"; Of course, you can also choose to get professional advice online�� Most insurance companies, especially big ones like state farm, list in detail on the internet which cars are not easily stolen and which ones receive premium discounts; Of course, they also tell consumers which cars are vulnerable to theft and which are more prone to traffic accidents�� According to this information, the applicant can choose a " insurance value" relatively low car, so naturally can save a lot of insurance premiums��
Warning, six traps
Trap one
Forced tying insurance�� In the current types of auto insurance, only belong to the compulsory requirements of the traffic control department of the " third party liability insurance" is the owner must buy, car damage insurance and theft insurance and other insurance are optional, but in many automobile trading market to liability insurance, theft insurance and car damage insurance bundled together as a basic insurance sales��
Trap two
Misleading owner to insure�� Passenger insurance, glass breakage insurance, vehicle loss insurance is related to the vital interests of the owner, the owner is willing to buy, but the new car of self-combustion insurance, private car cargo insurance, operating suspension loss insurance can not buy��
Trap three
Induce over - or over - coverage�� Some car dealerships induce owners to overpay or double - insure in order to earn more agency fees�� In fact, how much the insurance company compensate completely according to the actual situation of the car out of danger, not because much more will compensate much��
Trap 4
Agent " single deduction"�� When the insurance to choose the state approved by the insurance company's institutions, but not to find an insurance agency to insure�� Some insurance agents or " false agents" after pull to the policy, not directly to the insurance company, but " opportunistic"�� If the owner doesn't make a risk, the premium will be deducted by himself��
Trap 5
The policy is false and untrue�� Some " false agent" use of insurance policies and invoices at first glance does not seem to be different, to get the insurance documents to carefully check, see if the third document is printed with white carbon-free carbon paper, the upper left corner is printed with the words " China insurance regulatory commission producer" and so on��
Trap 6
Fix your own car�� Some on the surface is the insurance company's auto insurance loss, secretly is the owner of the car repair shop, their own loss to repair, this is the current market some loss of the way of making money�� It is understood that the competent department of insurance clearly stipulates that the mandatory designation of accident vehicle maintenance points is not allowed��
How to buy car insurance is the most cost - effective
Car insurance notice is very broad, but every car owner can not but pay attention to。
In the new car market, consumers have so many choices that they must always be rational: cars with high theft rates and high maintenance costs will pay more insurance premiums。 If you can't choose between two cars, Americans will go to their insurance agent, insurance agent will tell them the two cars different " insurance value"; Of course, you can also choose to get professional advice online。 Most insurance companies, especially big ones like state farm, list in detail on the internet which cars are not easily stolen and which ones receive premium discounts; Of course, they also tell consumers which cars are vulnerable to theft and which are more prone to traffic accidents。 According to this information, the applicant can choose a " insurance value" relatively low car, so naturally can save a lot of insurance premiums。
Warning, six traps
Trap one
Forced tying insurance。 In the current types of auto insurance, only belong to the compulsory requirements of the traffic control department of the " third party liability insurance" is the owner must buy, car damage insurance and theft insurance and other insurance are optional, but in many automobile trading market to liability insurance, theft insurance and car damage insurance bundled together as a basic insurance sales。
Trap two
Misleading owner to insure。 Passenger insurance, glass breakage insurance, vehicle loss insurance is related to the vital interests of the owner, the owner is willing to buy, but the new car of self-combustion insurance, private car cargo insurance, operating suspension loss insurance can not buy。
Trap three
Induce over - or over - coverage。 Some car dealerships induce owners to overpay or double - insure in order to earn more agency fees。 In fact, how much the insurance company compensate completely according to the actual situation of the car out of danger, not because much more will compensate much。
Trap 4
Agent " single deduction"。 When the insurance to choose the state approved by the insurance company's institutions, but not to find an insurance agency to insure。 Some insurance agents or " false agents" after pull to the policy, not directly to the insurance company, but " opportunistic"。 If the owner doesn't make a risk, the premium will be deducted by himself。
Trap 5
The policy is false and untrue。 Some " false agent" use of insurance policies and invoices at first glance does not seem to be different, to get the insurance documents to carefully check, see if the third document is printed with white carbon-free carbon paper, the upper left corner is printed with the words " China insurance regulatory commission producer" and so on。
Trap 6
Fix your own car。 Some on the surface is the insurance company's auto insurance loss, secretly is the owner of the car repair shop, their own loss to repair, this is the current market some loss of the way of making money。 It is understood that the competent department of insurance clearly stipulates that the mandatory designation of accident vehicle maintenance points is not allowed。
Comments
Post a Comment