2011Years4Month11DayMonday.    Master Hua Juzhai

The beginning of this year, many owners buy auto insurance found, this year Juxian premium increased significantly, some owners of premium compared with last year, even double and multiple, what the hell is this? I'm in the same owners, many people say that it is the serious inflation, everything in the price, this price is also reasonable insurance. I asked, "who told you that?" , their answer is: "to buy insurance, some car dealers, insurance practitioners told us."

Is this really the case? Answer: "not". The real reason where? Change in the quotation system.2010Years12Month25Day, all the big insurance companies began to implement the new system of auto insurance quote. This new quotation system, what is the difference? The old quotation system can only be found in the insurance company customer last year out of the number and details, and cross the insurance company can only be found in the previous year compulsory insurance accident conditions, but can not find out the commercial insurance claim data, thus, accident many owners, the coming year as long as the change in an insurance company can avoid additional premium punishment, preferential conditions can still enjoy the thirty percent off commercial insurance premium. But the new quotation system can be found in all the insurance company owners last commercial insurance and compulsory insurance of accident and detail, thus, the owners as long as the last out of the insurance, buy insurance in any insurance companies this year, the premium will increase with time, increase the amount of loss is proportional to the number of last year, as long as be or get out of danger five, this year than last year doubled the premium. Therefore, the beginning of this year, the owners in the car to buy insurance, quite particular about. Generally speaking, there are already more than three years, owners for low-grade cars and buy insurance, if the last out of too many times, this year to buy insurance to pay strong buy insurance, only third officers liability insurance and vehicle liability insurance on the line, so the more economic benefits, the reasons are as follows.

Insurance: "significance. Not protect small", "small broad". Specifically, when people can bear any losses, there is no need to buy insurance; on the contrary, when people can not bear any loss, you need to buy insurance. At present, the vast majority of the owners of the vehicle damage insurance, every time amount is not large, mostly150Element-400Yuan between, this risk is the owner can afford. From the inspection system, private car life is10Years, because of more than five years old, an annual inspection, annual inspection of two times a year for ten years, four times a year inspection after fifteen years.

The new pricing system: for the vehicle did not appear significant car accident, the new pricing system is actually the last year the insurance company claims to the owners of the money, this year to buy insurance, to pay the owner to the insurance company, or even multi node; this claim to the owners of the money, next year to purchase insurance on the owners to pay for the insurance company, and so on. Risk of major car accident damage is too small, for example in the rural mountain road car crash accident, cause.

Auto unspoken rule:"High and low compensation". At present, all insurance companies in the price, all the cars are according to the new value of the approved amount of insurance, but in the event of an accident by the old value claim clause. For example, if the insured vehicle losses, especially when the loss is serious, the insurance amount insurance companies will be based in the "insurance law" shall not be greater than the actual value of the subject matter of the insurance clauses, tell the owner"High and low compensation"Car damage insurance contract is partially invalid. Vehicle insurance"High and low compensation","Both benefit"Monopoly industries, is a typical consumer hegemony. The despot provisions exist, the reason is "insurance law" has weaknesses.

Because of these three reasons, therefore, I suggest that for the old, cheap, if last year out of so many times this year, buy insurance only pay strong buy insurance, liability insurance and third party liability insurance more affordable car.

Solemnly declare: this blog opinion is only a suggestion, I do not assume any liability, specifically how to purchase insurance coverage, or the owners to decide.

Master Hua JuzhaiE-mail:Huajuzhaizhuren@sinaCOM