How to buy auto insurance (turn)

First of all what we talk about insurance? What a few thin paper can sell thousands or even tens of thousands of dollars?
Insurance is simply a contract (Law), a contract (Economics), is the risk protection means. Its main purpose is to enhance our ability to resist risks. It is a financial product, in the insurance period needs to be professional services, and not like a book, simple commodity a CD that does not require any customer service.

Then we buy insurance mentality:
One, as long as the cheapest;
Two, as long as to good service;
Three, not only cheap, have good service.
Oh, and shopping seem to have no what difference!

One, the mall cheap goods will clearly tell you, will not be returned, the warranty has even no warranty; for example, discount tickets will not sign a full price ticket, in some cases even to sign other airline ticket can. Such a cheap insurance policy? Although and other policy no what difference, but after be or get out of danger, in the insurance sectors making little or no profit situation, how can the insurance company or insurance salesman make all-out efforts to serve for us? Insurance as a business, if not a win-win results, this business can not be good. At this time we'll blame "the insurance company when the insurance is the grandson, any insurance company is uncle";
Two, if you are as long as the service is good and the ask price of the owner, I'm afraid you don't see this post, you can recommend you drivers have a look this post might do you some good;
Three, is the focus of our discussion, it is very difficult, but also a little bit of luck. Here we discuss how to get the high ratio of performance to price insurance, and high performance price ratio is defined within a year of insurance and the lowest cost, and do not involve too much of our attention.

1, if it is the first time a novice, it is proposed in the insurance 4S shop car buying a car, although your point, but repair is guaranteed, and 4S stores are basically straight lose (direct compensation without owner pays the repair expense, and then go to the insurance company for very important concept, if you give the auto insurance business staff say the word, the salesman will not when you know nothing at all.), a problem dropped off the car 4S, car can be agreed time;
2, more than two years of the owner, the car is also familiar with (low probability); the car insurance is more familiar with, can try more home insurance. The simplest method is to have a look around people buy a car, the price of services is how, a good reference. There is through and we take the initiative to contact the insurance salesman, know the price and service, the lowest rejection, throw away the highest, and then we use social experience to identify which clerks level is high, price and service the most close to our needs (here it takes a little bit of luck). In fact, our demand is very simple, the price is reasonable, after be or get out of danger we do not need to run from here to there, straight for the repair work, fast, good. As long as we don't have not idea, such as a tire, do a maintenance free, change a good point of CD, these do not belong to the scope of the insurance should be rubbed into the insurance, most business personnel and for our good service to satisfy our needs. After all, insurance is not a short-lived business, next year's insurance salesman who also want to buy from them.
3, the old driver, ha ha, you may on the auto insurance even more than I know, then I remind you: not for profit insurance!

Next, you will be interested in, tell you how much discount auto insurance fee.
The CIRC provisions of insurance companies to insurance agent fee is 15% of commercial insurance, insurance 4% violations, is beyond the scope of. But in fact each agency to get the possible than provisions of Insurance Regulatory Commission of 5 points, the number of concrete depends on the insurance agent's supernatural powers. So remove the office expenses and other costs and profits of insurance policy, single concessions to 10 percent off or 15% off is more reasonable. The premium and low, the agent not profit do this business is why, just for the business to add a question mark. Of course, the premise is you don't just pay attention to the price.