Original link: https://hin.cool/posts/chexian.html
foreword
When I picked up the car in August last year, I bought car insurance through my fourth son. I didn’t know much about it at the time. I chose the following commercial insurance combination under the advice of a friend. The total cost is about 4,100 yuan:
As early as last month this year, some insurance salesmen contacted me. Until today, the insurance company gave me a quotation. There is a salesman from Sunshine Insurance. Insurance sales invited me to join group buying.
Emergency situation
Let me first talk about my accidents last year: two compulsory traffic insurance and one commercial insurance.
The first time I was in danger was in the old community at night, a car was parked at the intersection, and when I turned left, I made the direction a little earlier. The owner of the other Haval car was still very talkative, saying that his car had been driven for a long time, and there was only a little scratch on the right side of the front bumper, and he could pay 200. After the insurance loss adjuster came to the scene, he communicated with the loss adjuster and demanded a compensation of 500 yuan.
The second time was when I made a U-turn on a ramp and accidentally scratched my colleague’s rear bumper car film the size of a fingernail. I suspected that it happened just to touch it, but the handle brake body sank and scratched. He reassured me that the whole car film was only 2000, but later the film factory asked for 700. I originally planned to pay four or five hundred by myself, but I still took the compulsory traffic insurance for the asking price of 700.
premium quote
In the early hours of the morning, I checked the quotation on the Ping An Good Car Owner app. Excluding the 388 Ping An Car Owner’s Exclusive Protection, I continued to use the plan I chose last year. Generally speaking, the price has indeed dropped a lot compared to the first year’s premium for a new car (mainly due to car damage. The risk is not as high as last year), and at that time I still thought that the price quoted by the salesman would be a little cheaper.
This morning, the salesmen who contacted me before gave me quotations one after another. In fact, the price is not bad, but the specific protection items of commercial insurance are somewhat different, so I also began to struggle with how to choose.
Among them, the quotation of the Ping An Good Car Owner app in P1 can add and delete the specific content of the protection by itself. I added the liability insurance for medical expenses outside the medical insurance, and the total price was 3281.48; Ping An car owners enjoy exclusive protection (last year was 388), the event rebate fee is 800 to 900, and the premium is about 3400; P3 is the quotation from the sales that the fourth brother found, because the second brother told me to renew the insurance last year to find the fourth brother, he contacted The price is definitely lower. Same as the first two guarantees, with the addition of medical expense liability insurance other than medical insurance, the driving insurance guarantee has mentioned 20,000, and there is also a 458 car owner who enjoys exclusive protection, with a discount of 650, and the final quotation is 3774.36.
In addition, there are quotations from my four sons for renewal of insurance:
P1 includes 388 accident insurance, with a discount of 700, and the actual price is 3280.64 yuan; P2 has no accident insurance, with a discount of 500 yuan, and the actual price is 3141.1 yuan. These two quotations do not include liability insurance for medical expenses outside of medical insurance by default.
The items presented to me by the 4s shop are: free air-conditioning cleaning + four-wheel transposition, dynamic balance + 4 ordinary car washes + road rescue service + 1 inspection service on behalf of me + fast damage assessment service + 20 kilometers door-to-door pick-up and delivery service (only Go to the store to repair or maintain the pickup and delivery car). But in fact, in addition to the 4 ordinary car washes, other items are provided by default by insurance (road rescue service, inspection on behalf of others), and there are also free short-term or long-term activities of car manufacturers (door pick-up and delivery of cars, air conditioning cleaning, etc.) kind). After communication, the other party said that it can be discounted by 60 yuan.
how to choose
After carefully comparing the quotations of the above Ping An Insurance, the overall price is not bad, and the content of the additional insurance (million car home insurance and car owner exclusive protection) is also similar, but there are some differences in the amount of protection. The renewal officer of the 4S store told me that every company hits the target at the beginning of the month and requires more than half of the tasks to be completed at the beginning of the month, so the discount is strong, and the subsequent activities are often not as strong as the activities at the beginning of the month; and my cousin contacted him. Said that the insurance expires in one month, you can wait.
I have no experience in choosing and buying time, and I don’t know how to make a decision so far. I welcome some suggestions from you.
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