[ the second year after the insurance premium ]after the second year after the change of auto insurance premium how to buy car insurance cost - effective

After the car insurance fee change, the second year how to buy car insurance cost - effective�� In general, the first year to buy a new car is full insurance, and even bought other additional risks, but not out of danger, some car owners friends think the second year to buy full insurance is not cost - effective, so, the second year how to buy auto insurance is appropriate�� Below, small make up to introduce to you��[ )

Determinants of premium for renewal of auto insurance

1.. 7. the purchase method

The next year, the owners have their own choice, can be insured by telephone or online auto insurance�� Because these two insurance methods save the middle link, and the insurance company also launched some preferential activities for a long time, so the price is more cost-effective than 4 s shop��

2.., the main insurance

The main insurance is divided into car damage insurance, illegal rescue, third party liability insurance and car personnel liability insurance�� Because it is just to buy a new car, the owner will be more cherish care at first, car insurance on more complete�� If it is the second year, driving skills more skilled, can save some unnecessary insurance��

3., additional risk insurance

Common additional risks include scratch risk, glass breakage risk alone, self-ignition risk and special engine loss risk�� Scratch insurance is generally only available for new cars within three years of age, very practical, but the premium is not low, the owner can decide according to the actual situation of the car�� Glass risk is recommended, because the whole car is 35 % of the area of glass, driving by stones wounded glass is common, and the price of car glass itself is not low, as for the self-combustion insurance for new car doesn't make much sense��

4. preferential coefficient

After the fare change, the level of premium and the occurrence of the previous year and traffic violation coefficient has a great relationship, if there is no violation record in the previous year, out of danger, etc., the owner in the second year can get commercial insurance and compulsory insurance premium discount��

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Annual salary of 20 million yuan, the first insurance queen, let you improve the capability of 10 years of an article, walk a few hundred days less detours

Liu Chaoxia insurance words: dividend financing words

She is one of the top ten stars in China's insurance industry

She is the ambassador of the Chinese national image of longevity

She is the chairman of the national elite club of longevity of the Chinese people

She is the president of Shenzhen jingying association

She is the winner of the golden dragon award as lecturer at the world Chinese insurance congress

She is a top member ( tot ) of the American millions of round tables ( mdrt )

.......

Finally, she is the Chinese life insurance queen��

She's Liu Chaoxia��

How did she achieve all this, today's information stand for everyone to bring her to share, look at Liu Chaoxia's words, hope to bring you some inspiration, a little help��

Communication process:

1, to ask questions ( topics of interest to the customer ) import;

2, give professional answers, in-depth communication;

3, give advice ( plan ), to promote;

Note: in the contact with customers, to constantly import and communication;

Import: ( in a rhetorical way )

1. How do you manage your finances�� ( let the customer to think, answer )

Finance is divided into three stages: ( 1 ) wealth creation; ( 2 ) preserving wealth; ( 3 ) transferring wealth;

2. What stage do you belong to? ( most customers will say: create wealth )

Create wealth�� So when do you think you will no longer create��

You are measured by money you don't create? Or do you not create by age?

If measured by age, are you 30 years old, or 40 or 50 years old to draw your line? Or do you think when you have 10 million, or one billion, at what stage do you think you no longer start a business? ( pause, let the customer think )

Communication:

In fact, according to the analysis of professionals, before the age of 30 is the stage of wealth creation, after the age of 30 is the stage of wealth preservation and transfer;

In fact, no matter how much wealth you create, it can really belong to you only by preserving and transferring it�� What do you think��

Import: ( in a rhetorical way )

How do you plan your finances?

Chinese people like to look at the immediate interests, the lack of long-term planning�� China in the 21st century has bid farewell to the era of profiteering, and into the era of financial management�� But property is not wealth, investment is not wealth management ( chicken and egg )��

Investment is a means to achieve financial goals��

Why do you need to invest in financial management?

Now is not equal to the future; People can not only live in the present, but also live in the future; People can't just live for themselves, but also responsible for their families��

The purpose of investment and financing - is to use everything now to ensure everything in the future, let us not only rich now, rich in the future, and rich from generation to generation�� Do you agree��

Communication: ( calculate a bill for the customer )

If you now annual income of 1 million x 30 years = 30 million

You spend 20 thousand x 12 months x 50 years = 12 million

Loan?

If your total income is 30 million and your total expenditure is 12 million, how much money have you prepared for your future now? Do you have 12 million yuan for yourself��

You are now employing people to make money, with your body, intelligence to obtain wealth�� So you have to make sure that your business is risk-free and personal every year before you can ensure that your income goes smoothly�� We all know that life and investment are risky�� May be the risk of accident, may also be the risk of disease; May be a market risk, may be a policy risk; May be investment decision-making risk, may also be the financial management risk actually many people have experienced, like Wang Junyao, giant group, three strains of oral liquid, love vcd?. If today in the 21st century, or say you are starting a business, and don't know how to invest in financial management, then your future wealth can only be a big question mark����

So you need to manage your finances so that your income is guaranteed, what do you say�� In fact, the ultimate goal of investment and financing is: to achieve our maximum freedom of life and spiritual freedom, what do you think?

Communication: why do you need to invest in financial management?

If today in the 21st century, or say you are starting a business, and don't know how to invest in financial management, then your future wealth can only be a big question mark��

So you need to manage your finances so that your income is guaranteed, what do you say��

In fact, the ultimate goal of investment and financing is - to achieve our maximum freedom of life and spiritual freedom, what do you think�� Investment finance allows you to:

1. Have a stable life;

2. Satisfactory continuous accumulation of wealth;

3. Smoothly transfer your life's income to your next generation��

Life needs wealth, wealth needs planning�� No one is willing to put their money from 1 million planning to 500,000, in a few years planning for the poor�� But without proper planning, your money will somehow drain and evaporate like water, unintentionally and slowly��

Communication: dividend yield is too low

What do you think is the best investment tool�� Or the highest return on investment tools��

In fact, there is no best investment tools, only the best portfolio��

Forbes' China list is different every year. why�� Because there are important policy-oriented factors��

The rich in the 80 s, is to do tax rebates, quotas and speculation, is not operating the rich; The rich in the 90 s is to do industry rich; What industry makes the most money today in the 21st century�� Stocks, real estate and energy

Most profitable;

But if today you just know how to create, then when your investment or management ability can no longer adapt to this era, what do you take to ensure the quality of your life in the future��

In fact, luxurious, comfortable old age life is not decided by the future, but you need to prepare now�� Communication:

So life needs wealth, wealth needs planning�� A man with a plan and a man without a plan, his future situation is not the same��

And insurance is a long-term commitment, is the guarantee of your future life index; Insurance is not about making money, but about making sure that the uncertain future becomes certain�� So that you can venture to invest, to create; Can also enjoy the consumption, enjoy�� Of course, there must be a rational analysis and a certain degree of restraint, can't put the responsibility of children, wives, parents are gambling in��

Insurance is your last line of defense, you must remember, this is your responsibility - is your responsibility to the child, wife, parents��

In fact, you know, high profits are high risks�� Otherwise, why do some people choose to be professionals, some people choose to go to work in enterprises, some people choose to do business, some people are poor, some people are rich�� Communication:

Our life needs planning, if we invest and save, you only need to take out 10 % of your annual income, which will not affect your quality of life now, also won't affect your investment projects now�� And unconsciously, your future pension, medical expenses, emergency gold are ready��

If you earn 1 million today, that you only need to take out 50 thousand do save; Earned 10 million, take out 500 thousand do save; Made 100 million, take out 5 million do save��

If you earn 100 million won't even want to save 5 million, in fact, is not important to the insurance salesman, the important thing is whether you have enough protection, to protect your future and your family��

In fact, if today's salesman can't give you do planning, he can also go to others, because there are a lot of people in China; But if you don't have security, then you can only take responsibility, you can only go to your family to explain�� You go and tell them, " your business will never have a problem, will not go bankrupt, you will never have any accident and disease risk"

You don't have to tell the salesman too much at all�� I didn't know you were a salesman at the refusal insurance company today�� Or refused to protect your family life�� - in fact, I think you are not rejected the salesman, but rejected the happiness index of your family life��

Of course, insurance is definitely not everything, but it must be��

Yesterday, for example, we took a plane to Guangzhou, suddenly the plane broke down, may be an accident�� So this time, what do you think�� You don't want your business to make money�� Or the property hasn't been sold yet�� I don't think your stock has been sold yet�� And consider is your most close people, what do they do��

Excuse me, have you prepared this responsibility�� Does your wife really know your financial position, your business situation�� If you don't know, she is unable to undertake your responsibility��

However, if you have a high policy, then she gets a high cash check�� You can deny me, but you can't deny your responsibility to the family��

Delivery plan, resulting in:

Of course, you are a responsible man, so I believe you will seriously consider your financial planning��

This is my specially tailored insurance proposal for you, we can do a discussion together you see such protection is not enough�� Such payment is ok��

Professional and persistent -

Is the golden key to success��