Auto insurance market jumbly, Brand Company, as the big three auto insurance market, insurance, security and the Pacific is a key channel owners choose. Today, the network of three insurance overlord of the price and service conditions are compared.

Auto insurance prices

Assuming the car insurance, the purchase price of 128880 yuan, the project is: the loss of vehicle insurance, whole vehicle pilfer, third party liability insurance 50000, staff car insurance is a 10000, only broken glass insurance, body scratch insurance 2000 yuan, the non deductible. According to the online insurance companies Taximeter is specific information is as follows

It appears from the price is the price, automobile insurance premium is slightly higher, peace and Pacific price is consistent. Of course, in practice, each is different, but the difference is not too large.

At present, in addition to the traditional channels, each also launched a telephone sales, in order to reduce the cost of the middle, allowing more profits to the customer. Suppose, renewal of vehicles using the period of one year, the purchase price of 179900 yuan, the same combination of auto insurance, automobile insurance electrical sales price for 4200 yuan, peace is 4100 yuan, 3900 yuan for the pacific. In view of this, the electric pin renewal of words, the price advantage.

And the new electric pin insurance, Pacific Insurance Company said the new car not to participate in the 15% preferential activities, only 1 to 8 years of age the vehicle can participate in the preferential. Peace and automobile insurance can give consumers a 15% margin of preference, but the price still exist some difference, peace is slightly low 100 yuan.

Ping An again took the lead in the introduction of online sales, online insurance is using the CIRC approval by telephone and Internet marketing special rate, the rate will be more than 15% lower than other traditional channels, and safe electrical sales price.

The overall analysis: the price war, Ping An insurance to win.

Insurance services

The three insurance companies will provide additional insurance different choices in addition to the provision of basic insurance, broadly similar, but there are some subtle differences in the specific provisions, the owner can choose according to their own situation. Wash with some differences:

From the comparison of the several basic insurance, automobile insurance in the level of protection that have comparative advantages, especially life insurance has launched a variety of places, such as: danger accommodation clause this insurance, reasonable collocation can fully protect the interests of owners.

Content of support war, people's insurance car victory.

The insurance company's service is mainly reflected in the settlement of claims. Experienced owners all know, claims convenience is the most important indicator of the insurance company to choose.

To run foreign owners, whether national pay is very important. At this point, the three companies have launched a nationwide network for business. Distribution outlets in three companies are relatively wide, automobile insurance is more in-depth small and medium-sized city, reaching more than 4500 in the national service network, is the largest network of property insurance companies.

Network station, automobile insurance win.

Beijing insurance industry in 2008, auto insurance claims aging evaluation results

It seems, from this table data loss efficiency, safe auto insurance win.

Also the personage inside course of study thinks, can not just look at the absolute data, a large volume of business, need to deal with cases, in contrast not dominant period. However, it also reflects, at present the company of our business and services do not match, the insurance scale growth, the corresponding service into the relative lag.

In order to effectively reduce claims closed cycle, also need to owners and support maintenance enterprises and cooperation. For car owners, vehicle insurance claims must pay attention to the following points:

A report in time.
Two, the claim materials to complete, provide timely.
Three therefore, timely repair.
Four, careful selection of repair plant.
Five, cautious agent agent claims.
Six, to the third pay in advance the communication with the insurance company should compensate for the former.

After the above on the Pacific Insurance, automobile insurance, Ping An insurance service price comparison, the owner must also take into account the insurance company in the local business scale network, comprehensive comparison, choose the ideal vehicle insurance product right.