There are three main kinds of auto insurance business competition: insurance products, insurance price and customer service. At present, many factors, lack of innovation capacity in the insurance industry development cycle long, insurance products, insurance products basic convergence between the insurance companies, to provide differentiated, competitive insurance products as the main competition basically impossible. Furthermore, with the supervision of insurance has been continuously strengthened, and the continuous improvement of the market, many insurance companies have gradually abandoned the non rational insurance price competition. So, improve customer service level has become the main way of competition between the insurance companies.

   One is the insurance sales, sales channels gradually diversified.

   At present, the insurance subject insurance sales is the direct marketing and sales agent. However, the telephone marketing as a new marketing mode, has attracted extensive attention in the insurance subject and fierce competition. Advertisements for telephone sales, full of TV and newspaper and other important media, business sales of the main insurance phone is increasing year by year, the very rapid development momentum. Because the characteristics of telephone sales is convenient, save money, has gradually been recognized by the majority of private owners. In recent years, with the popularity of network applications, network marketing has gradually entered people's field of vision. Because the network marketing is more convenient, lower cost, but also conducive to the development of new customers. Can imagine, if the insurance sales network to popularize, young customers will become the leading power in the insurance customers in.

   In the sales channels, the insurance companies have to keep an eye on the strength, has the potential to insurance agents, launched a fierce competition. At present, private cars have entered the homes of ordinary people, private car insurance market is more and more big; but, as the blow of drunk driving increasing intensity, private car accident rate decreased gradually, the private car has become the main target of each main insurance competition. As with many private car customers automobile 4S stores have become the main insurance xiangbobo. The insurance subject in order to compete for the automobile 4S shop business, in succession to the automobile 4S stores the olive branch, such as buying a new car insurance, car accident send set loss center recommended dismantling, repair, variety. Business cooperation in the insurance subject in bank, station, airlines, travel agencies and other insurance agent is more is to constantly improve the content of cooperation, innovation cooperation mode, to take the lead in the competition.

   However, a trend of diversified development of sales and sales channels, greatly increasing the choice of customers to purchase insurance, enhances the customer to insurance awareness. The next period of time, the insurance subject as long as First impressions are strongest, the suitable for their own marketing and sales channels, will remain invincible in the market competition.

   Two is to provide the more intimate the value-added service for the customer has received much attention not be or get out of danger.

   Not out of customer is the main source of profits for insurance companies, but not out of the customer, not long-term insurance companies attention is the fact that does not dispute. All insurance companies not only is not out of sense of customer service, but not for personnel and measures without loss of customer service. The insurance company will service for focusing too much on these customers is a deviation from the service orientation. In recent years, most insurance companies have realized the importance of customer service is not in danger, has taken some measures, such as free trailer, oil supply, charging, replace the tire, drink and drive. However, this is just some of the primary service measures. Only not out of customers to provide more valuable, intimate service measures could occupy the advantage in the market competition. The value-added service measures should be able to reflect the insurance company's characteristics and advantages, such as some insurance companies by hosting the annual meeting, clubs and other forms, will not be or get out of danger customers or claim rate of low customer development for different grades of membership, one can take this opportunity to strengthen communication, increase the cognitive, more importantly, through this let not out of danger form customers or lower rate of customers to enjoy different levels of service. All insurance companies in the process to provide value-added services, bound to break through the scope of their business, the scope of value-added services extended to the banks, shopping malls, auto 4S shop and other fields, through the complementary advantages, mutual benefit and win-win, provide more value-added services to customers without insurance. Let not losing customers honestly feel insurance company, thoughtful and meticulous attention. Only in this way, the insurance company to win the favor of customers in order to better, the renewal rate can be guaranteed, in order to get ahead in the fierce competition in the market.

   Three is to provide quality service claims be one's unshirkable responsibility for the customer.

   Settlement service is directly reflected in the insurance company of the form of services, is the main basis for the external evaluation of the merits of the insurance company, has a strong influence on society and attention. This year, CIRC issued "on the improvement of service quality of the service commitment notice" of the relevant issues, the insurance company will claim the promise fulfilled; at the same time, the social repercussions larger car "high and low compensation" problem, the reform of the auto insurance rates and terms; the Insurance Industry Association to "car damage insurance subrogation processing mechanism" to the social widespread consultation, in order to further protect the interests of customers out of. All of these are important measures to improve the service claims from the system and regulation angle. In recent years, local bureau of the CIRC on each insurance company service ability and the service time of sampling inspection, supervision, more highlights the importance of claim service. At present, the majority of the news media reported on the relevant settlement services increase day by day, the insurance has become a new hot topic people streets and lanes. Settlement service of insurance company management the remarkable. Let us feel gratified is, most insurance companies have realized the importance of claim service, from the image of service, service quality and effectiveness are strictly requirements. If the insurance companies have launched a simplified claims procedures, to collect customer data, three-dimensional service claims and limited Claims Act, not only to expand the influence surface, can really solve the customer's any menace from the "rear" danger.

   However, we should also see clearly, the insurance company claims the depth of services to be strengthened, claims the breadth of services need to be expanded. This is subject to the current insurance law, regulations and insurance regulations, provisions are not perfect. To cross strong insurance as an example, since the implementation of more than 5 years, the victim in the insurance after the accident still can not get timely, effective compensation, mutual buck passing phenomenon is serious, the right of life and health can not be effectively guaranteed. The control of foreign insurance industry in the developed countries, China in the design of insurance law, regulations and insurance regulations, provisions of the lack of humanized side, showed restrictive clauses or unreasonable terms too much, this is undoubtedly in the between the insurance company and customers establish a chasm. Therefore, to further improve the laws, regulations and relevant insurance, insurance regulations, provisions for the optimization of a major upgrade service claims significance level. The insurance companies, and insurance supervision department has the responsibility, have the obligation to increase research and development efforts, introduced a more fair and reasonable, simple, convenient customer insurance products. At the same time, the insurance company should adhere to customer interests first, strengthen management, improve the internal control, improve the service level of claims. So, the comprehensive competitiveness of the insurance company will further enhance.