Owners every year for car insurance, as the insurance company, we are more and more choices, at the time of renewal of the second year, many owners are more concerned about car insurance price. But for white owners do not understand auto insurance, the insurance company to discount, sometimes not necessarily offer before renewal, it is best to look at these "inside" information.

No accidents last year, continued low premiums sure?

Only pay high insurance will reduce business risk depends on the insurance company's standard fee.

1, in the purchase of insurance, the Traffic Insurance can still prescribed to reduce a certain amount each year (see the specific preferential various insurance companies).

2, renewal, commercial insurance is not the first time on the basis of the insured amount of the discount, but the insurance company to give appropriate discounts based on their own default base cost, and the cost of this benchmark standards are not the same every year, so enjoy the discounts different, most likely even when there is no escape from danger in the previous year, next year's renewal fees will be higher than last year.

Replace the insurer when renewal enjoy the same discount?

At the current provisions of the various insurance companies, vehicle insurance during the previous year no claims or claims record number of small, low amounts, usually in the second year renewal can continue to enjoy 30?iscount. There is no doubt that if the renewal is in the same company, the owner deserved to enjoy these benefits, however if renewal is to replace Paul transferred to other insurance companies, is able to equally enjoy the benefits? Or, if the insurance of new products can be cheaper?

It is understood that, as long as your car "gold" high, there is no escape from danger in the original insurance policy claims records, switch to other companies, the new company will give preferential treatment even when the second year of renewal. Of course, in this case, if the owner intends to turn the second year of insurance, such as the dangerous condition of some slight friction and other accidents, and low cost, consider paying your own to enjoy the new company to bring more preferential rates.

But it must be reminded that some insurance companies in order to allow you to turn Paul, may prescribe a lower price, but this time you need to pay attention: This renewal is in accordance with the price to buy a new car, or in accordance with the actual price of the vehicle to be enough buy? If the new product is based on the actual price of the vehicle to announce that the premium is relatively cheap, but also because of this "new product" payment amount is much smaller, so the need to stay in mind when transfer security.

Telemarketing certainly lower than the 4S shop discount?

Just from the cost, the majority of electricity sales will be cheaper, because eliminating the intermediate sales channels, 15?f the sales commission can be returned to consumers. Must pay attention to, to be purchased through an insurance company unified national service hotline, auto insurance agents do not believe in strange so-called promotion.

If the applicant chose to send a single-site service, at the time of receiving the insurance policy sent to members for the first time, be sure to carefully check the policy information is accurate, content insurance policy for themselves whether to choose insurance, the price is not confirmed and telephone exactly the same and so on. Send a single in the second, remember to check whether the special seal stamped with the insurance companies in a variety of insurance certificates, in order to avoid unnecessary errors occur, bring obstacles for future claims.

Renewal have to consider one thing, and that is models. If an ordinary car, consider the cost of electricity sales go more cost-effective, but if it is high-end luxury models, it is recommended to go 4S shop, after all, more professional after-sales service, or else the insurance company can only be used by ordinary garage for repairs at the time of the claim compensation.

There is no need to renew in full?

The need for full renewal, many owners began to hesitate, in order to prevent the occurrence of low pay high insurance, there are owners that should be purchased in accordance with the actual price of the car. In fact, whether or renewal insurance coverage related to the condition of their own need to decrease the vehicle appears.

Specific renewal insurance coverage mainly for two situations:

1, vehicle maintenance parts are used in new, if you want to get full compensation, then the need renewal in accordance with the new car to purchase, repair or parts are required for the depreciated value of the claim will be standard.

2, if your car is not a simple repair will solve the problem, such as run total loss or theft, even if purchased in full renewal, but the insurance company claims will still be based on the actual price for each share cars, often at this time continued by car depreciation price to buy more cost-effective when Paul. To compromise, professionals generally recommend slightly higher than the actual price of the vehicle to renewal, should not fall too low, such as 20?epreciation of the car can be purchased in accordance with the insured amount of 10?t the time of renewal.

Above for your reference

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