"Cast the electric pinAutomobile insurance, thought their money, but the repair factory doesn't love to my car." Ms. Li a few days ago and a motor vehicle collision, the door hit a hole, the car to a nearby garage, garage reluctant.

They are not in danger

Only know that the cheaper the better

Ms. Lee told reporters, had beenInsureThe traditional channels of insurance, since 2009 began to turn against the telephone car insurance,"But the risk of loss is not found, originally in the 4S store to buy insurance is convenient." Ms. Li said, she drove to the garage, repair factory is one that the insurance company telephone car insurance, there would be no just warm, "we don't want to build the company's telephone car insurance car,"

Repair shop said, the same accident, in other companies, if the loss can be set to 500 yuan, to their company insurance telephone car insurance may only set to 300 yuan, "in order to ensure profitability, can only be to cut costs in the intermediate links, which suffered the us."

The car salesman suggested that Lee, remanufactured some accidents, suchInsuranceCan set the price high, loss, car manufacturers are more willing to take. But Ms. Lee is not willing to, take your car to hit a, what to do, when to buy insurance, cheap is cheap, but not out of it, a claim, the previous facilities will not.

Reporters call several kind of repair factory, most repair shop said electric pin insurance refused to repair the company insured vehicle, a repair shop staff and even told reporters: "we do not want to pick up their list, more than we are not willing to, I believe most repairs are unwilling to repair, we also want to make money. Ah."

Reporters call the electric pin insurance customer service calls, the company customer service said the newspaper the license plate number and out of place, can be the nearest designated repair point, and that the electric pin insurance customers they can repair garage in any.

Out of danger

Zhi Daoguang is not only cheaper

After the accident, Ms. Lee began to think how to renewal next year. What is cheap and convenient? Is it right? You can have both?

Ms. Li years of driving experience told her, buy insurance or large company more convenient, especially women.

In fact, for consumers, price is the most sensitive, however, the overall measure of price, but also very has the advantage of convenient. If they can afford the money to spend, can enjoy better service, is preferable to a lot of work busy people, after all, the time for their value often opportunities and transaction costs are higher.

Reporter inquires the most insurance website, have really "provisions enjoy free non accident rescue unlimited", but the specific circumstances, such as a few kilometers, area have conditions. In addition, the site also"Settlement of claimsNo discount...... Claims for repair of one-stop services, without the need for pre payment......" Description, reporter consulting a company vehicle insurance customer service, customer service staff said, most of the time is needed to advance payment of car owners, only in the direct compensation center can advance.

For Follow-Up Services Juxian, have been worried about, premium discount, services will be discounted, most companies have made service no discount commitments, but really to be or get out of danger, there are still a series of problems.

An interview with reporters manager Insurance Department of a small insurance companies, which expresses to the reporter, service is a big company to some, but some small companies to seize market share will engage in service at any cost. Another 4S shop staff told reporters, small and medium-sized insurance company more attentive service, after the Chuxian pulled the car repair shop is not, other problems are 4S stores and insurance companies to solve.

If the electrical pin insurance only price advantage, and this advantage is not obvious, counter can be difficult with 4S launched cheap + convenient way of promotion.