Since period of time, the reporter heard many owners are reminded: small cut small Ceng to don't be or get out of danger, a year without accident claims, the insurance company for your auto insurance discount more than the hundreds of dollars in repair costs, so the insurance second years how discount, the owners will receive benefits.?

It sounds reasonable. But the reporter interviews found, this desire is just wishful thinking of the owners.

The song car at the age of 3 years, has never had an accident. "Last year, my car just hit once, and I will not go to the insurance company." Mr. Song said, because he learned from some media in the introduction, the second year can add, enjoy the preferential and the first year of the accident, if there is accident records, cannot enjoy preferential. "I figured, repaired hundreds of yuan, but the insurance breaks down can save nearly 1000 yuan."

Mr. Song "abacus" is played like this: he first year for car insurance when, according to his insured risks, insurance cost 950 yuan, commercial insurance cost 3478 yuan; second years, for he a year without an accident, then when the insurance, insurance for it gave him 10 percent off to 855 yuan, commercial insurance also gave him 30 percent off to 2450 yuan. "According to my understanding, for third years I was not an accident, then the insured to play a 30 percent off price should be even lower than last year, the sum insured therefore, hundreds of yuan a car I don't care."

But the fact is not true. Recently the insurance company to inform him of the renewal, the price quoted is compulsory insurance and commercial insurance is 760 yuan, down 2434 yuan, compared to his vote last year commercial insurance price, only a little more than ten yuan.

With Mr. Song's doubt, the reporter consulted the relevant insurance company of my city.

Originally, a year without accident claims, according to the provisions of the state, cross strong insurance is reduced by 10% in every year, but a minimum of not less than 665 yuan standards; and the commercial insurance, the insurance is not spent not preferential discount in the first owners insurance, but in the benchmark premium discount, and this benchmark premium by the insurance company to set, each year is not the same.

For example, Mr. Song covered the insurance company benchmark premium, the first year of insurance was 3478 yuan, second years his investment benchmark premium for a 3497 yuan, hit 30 percent off, Mr. Song need to spend 2450 yuan, and third years he throws a benchmark premium into 3477 yuan, call 30 percent off, Mr. Song need to spend 2434 yuan.

"Although compared to look third years for an amount and second years is not much difference, but also enjoy 30 percent off discount, but the 30 percent off is based on the benchmark premium discount." Introduction of an insurance salesman, every insurance company will be on the renewal customer vehicle pricing and draws a standard fee, and then in accordance with the standard fee for concessions, and each year.

Mr. Song, the insurance company does not claim discount this provision is misleading for many consumers. "Everyone thinks out less insurance more concessions, but also from the truth, but also a good way to encourage owners to reduce accidents, this view, not to save money is not reliable insurance claims." Mr. Song said.Http://www.chasfz.com/id/7596