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The expert reminds: comparison, careful "copycat electric pin"

Insurance companies, insurance intermediary shop counter, 4S, telephone channel...... For car owners, can choose insurance purchase channel. Just because the channel is not a quotation, there is a difference, so many owners feel doubt, especially in the auto insurance renewal, in frequently received insurance renewal after the phone often had no idea. In August 17th, the reporter consulted the relevant experts in our province insurance association, analyzes and summarizes the advantages and disadvantages of these channels.

First of all, the 4S store. Purchase insurance in the 4S shop, the price is relatively high, but the claim is very convenient. 4S stores are generally committed to buy insurance, as long as they all work will be damaged, repair, rehabilitation, claims and other after be or get out of danger, all can be responsible for them, for the novice is not familiar with the process, very convenient. However, 4S shop car insurance quote, the price is relatively high, but also can choose the insurance company is also less.

Second, the insurance intermediary. Compared with the 4S store, buy insurance from the insurance intermediary there, the price will be relatively cheaper, and after sale service is better, home sales are usually money, to send the policy, eliminating the trouble of owners back and forth, after the accident and someone to help you deal with, more suitable for those not familiar with the claims process owner. But the choice of intermediary insurance also should pay attention to risk, to choose a reliable intermediary know too much, so as not to be misguided in the policy process, spending money; at the same time, the intermediary insurance price and 4S shop, than the telephone car insurance price is on the high side, because the intermediary also need to earn profits from.

Third, buy insurance through an insurance company counter. Many owners think the insurance company business hall purchase insurance is more safe and reliable, on the one hand need not worry about auto insurance prices or the insurance kind Huyou, on the other hand, the claim can be guaranteed. But the business hall for no door-to-door service, the owner shall bring relevant information to the insurance company business outlets in policy, payment, for busy office workers, must spend some time and transportation costs, and, often, through the purchase of insurance company counters insurance, the insured can only enjoy the lowest 30 percent off. Preferential.

Finally, the telephone car insurance. Three cases with respect to the above, the telephone car insurance costs relatively cheap price, open, transparent, advantages, remain within doors can be handled but, relatively speaking, the risk is also the largest. First of all, the owner when the accident to claims, must apply in person, if do not know, only by the insurance company customer service phone call for help; secondly, extremely vulnerable to claims disputes, the telephone car insurance in the whole operating process and not to finish, so because of time constraints, there may be errors future, danger, is hard to avoid disputes.

Compare the advantages and disadvantages of the above four auto insurance based on the way, experts in our province insurance association to remind the owner: in determining insurance telephone car insurance, may wish to compare a number of insurance companies. "As the company's commercial insurance project basic rate differences, the basic rate of CIRC provisions can be adjusted in a certain range, so the choice is different, so the final premium prices will also have the gap." In addition, the electric pin insurance number to "955", "400" as the beginning, and not the general form of a phone number, main watch "copycat electric pin