Which auto insurance company is so cheap and affordable?
Ping an auto insurance is the cheapest.
Auto insurance is a long-term loss state because of its low premium, high cost in some links and high average profit rate of -7% in payout ratio. Nowadays, the introduction of telephone auto insurance and online auto insurance has greatly saved operating costs and gradually become the mainstream channel of auto insurance.
As the earliest insurance company engaged in telephone auto insurance and online auto insurance, Ping An Auto Insurance has gained a lot. While making profits, insurance companies also provide convenience for the vast number of policyholders. It is reported that telephone auto insurance and online auto insurance can save 15%.
Extended data:
Advantages of automobile insurance:
1, new car security requirements for Ping An novices:
Novices have less driving experience, are not familiar with road conditions, have limited adaptability, are more likely to cause harm to third parties, and have high requirements for human protection.
Because novice drivers are not skilled in driving, scratches occur from time to time, so the protection of the vehicle itself should be as comprehensive as possible.
2. Hot car insurance portfolio:
Vehicle loss insurance+commercial third party liability insurance+vehicle personnel liability insurance+whole vehicle theft and emergency rescue+body scratch insurance+special clauses excluding franchise rate+compulsory insurance.
Baidu encyclopedia-ping' an auto insurance
Which insurance company has good and cheap auto insurance?
After buying a car, I need to deal with the insurance company every year. Maybe many friends have too many questions about the choice of insurance companies and types of insurance. After all, it is not an industry.
Let's just say that under the premise of the same types of insurance, the policy amount of each insurance is the same. Many friends will ask questions when they see this. No, you are so unprofessional. You obviously bought a different amount of insurance. How can you say that?
My friends are right. The same amount of insurance does not mean the same amount of money, because buying insurance now involves the rebate amount. For example, they are all insured for 3000 yuan. Some insurance may be returned to you in 500 yuan, and some will be returned to 200 yuan with oil cards from 300 yuan. Generally speaking, it refers to such a hotel.
Then the question is coming, which car insurance is good and cheap? I think it should be divided into two situations.
If you often drive near your home and basically don't travel far, then I suggest you buy insurance from a small insurance company. Generally speaking, the rebate given by small insurance companies is relatively high, which means that the price you buy insurance will be cheaper. Moreover, this kind of small insurance company generally belongs to local insurance, so if it is only opened near home, this kind of insurance company has no problem at all, and the settlement speed is still relatively fast.
Because they usually don't have too many claims, the only problem is that the payment process of small insurance companies is complicated, so the speed of the amount arriving in the account is relatively slow. As for what is a small insurance company, let's continue.
If you travel frequently and need to travel across provinces, I suggest buying insurance from a big insurance company. There is a simple reason. First, the claim settlement process is relatively simple. Second, there are branches all over the country. Third, when the car is out of power and needs maintenance, this national chain insurance company has an advantage.
So which domestic insurance companies are bigger? Generally speaking, it is divided into PICC, Pacific Auto Insurance, Ping An Auto Insurance, and others belong to small and medium-sized insurance companies. You can compare it.
The above three insurance companies have fewer rebates, but each has its own advantages. Small and medium-sized insurance companies are cheap, but relatively speaking, it takes a long time to settle claims. After all, there are relatively few outlets.
Of course, after this year's premium reform, the overall insurance coverage of automobiles has declined to varying degrees, and there are naturally fewer rebates, so the difference between big insurance companies and small insurance companies is not particularly obvious. If the amount is not much different, I think it is better to buy insurance from some big insurance companies, and I am particularly relieved if I fail to go out for a long trip.
What brand is good and cheap to buy auto insurance?
Good auto insurance brands that can choose to buy auto insurance are: China PICC P&C Insurance, China Ping An Property Insurance and Dida Property Insurance.
1, PICC P&C insurance in China.
company strength
Founded on the birthday of New China 1949, it was ranked 12 1 in the Fortune Global 500 list in 20 19. It belongs to the central financial enterprise and is also the first large state-owned insurance financial group in China to be listed as a whole.
In 20 19, PICC P&C's total premium income was 4.3164.4 billion yuan, ranking first in the global property insurance market, first in Asia and third in the world.
Auto insurance service content
1) quick service of paying first and then repairing the car, and payment notice for cases below 10,000 yuan 1 hour;
7X24) nationwide payment, and nationwide 24x7 survey and claim consultation service;
3) Free 50-kilometer rescue service for faulty vehicles nationwide, and develop various value-added services.
2. China Ping An Property Insurance
company strength
Founded in 1988, it is located in Shekou, Shenzhen. In 20 19, it ranked 29th in Fortune Global 500 and 3rd in China Service Industry Top 500.
In 20 19, the total premium income of Ping An Property & Casualty was 270.93 billion yuan, and the premium scale ranked second in the property & casualty insurance market.
Auto insurance service content
1) Pay first, then repair the car. If the payment is less than 1 10,000 in 3 days, it will be paid 60 seconds after the case is closed.
7X24-hour free rescue,100km free non-accident and road rescue service.
3) Personal injury cases can be settled with peace of mind, and claims data can be collected at home, VIP customers can make one-stop claims, and WeChat can query the progress of claims in real time.
3. Dida Property Insurance Company
company strength
Founded in 2003, with a registered capital of RMB 65,438+0,565,438+0 billion, it is headquartered in Shanghai. It is a national property insurance company approved by the State Council and China Insurance Regulatory Commission. It is the only direct property insurance company under China Reinsurance Co., Ltd. ..
In 20 19, the total premium income of Dida Property Insurance was 48.4.1800 million yuan, ranking sixth in the market.
Auto insurance service content
1)7×24-hour all-weather insurance service;
2)RAS quick damage assessment service, small cases can be printed on the spot, which can be completed in 3 minutes at the earliest, greatly speeding up the claim settlement;
3) Auto insurance claim zero document and door-to-door receipt document service, personal injury warm care service, etc.
Which insurance company has good and cheap auto insurance?
Which insurance company has good and cheap auto insurance?
First Pacific Auto Insurance Company. Section 2: Safe automobile insurance. Third life insurance, auto insurance. All three risks are good. Now that living conditions are good, almost everyone has a car at home, but driving is also risky, so buying a car requires car insurance. Which insurance company has good and cheap auto insurance? Let me analyze it for you today.
First Pacific Auto Insurance Company. Pacific auto insurance is very cost-effective. In China, the price concessions of auto insurance are relatively strong. Keeping up with the Internet era, especially in the Internet and private cars, businesses can save 15% and 10000 yuan. The following information is complete and can be paid in one day. Pacific insurance. This home insurance company is our national automobile insurance company. Regardless of the quality or high quality of auto insurance, the auto insurance service is very good, and the auto insurance of this insurance company is also the most popular among consumers.
Pacific insurance has a good service attitude and after-sales service is not worrying about people. And compared with other people's insurance companies, its price is very cheap. For many friends who don't have much money after buying a car, Pacific Insurance is a very suitable choice. Third-party commercial liability insurance, the coverage of which is generally that the insured has caused losses to other vehicles, has shown its role. Even if it is to repair someone else's car, with this insurance, you can pay for it by insurance.
Section 2: Safe automobile insurance. Safety auto insurance is also sold online, which saves the price difference of middlemen. Including commercial insurance for private cars, it can also save as much as 15%, and sometimes it can also carry out activities in official website, such as giving red envelopes and VIP discounts to major software.
Third life insurance, auto insurance. Life insurance auto insurance service is very fast and efficient, and claims can be notified in less than 1 10,000 yuan or 1 hour. China People's Insurance Company's auto insurance premium is also relatively low, which has certain advantages in price. And often participate in activities, such as sending car owners shopping cards and gas cards. Finally, you must pay attention to safety when driving, and don't drive too fast to avoid adverse consequences.
What kind of car insurance is cheaper? Which car insurance is better?
Which insurance company has good and cheap auto insurance?
Auto insurance is the key to ensure travel safety. Car insurance costs a lot of money every year, and car owners ask where to buy car insurance cheaply.
Where can I buy insurance when I buy a car?
To buy auto insurance, we must first choose the first echelon companies in China: China PICC, Pacific Insurance Company and Ping An Insurance Company. The premium collection is reasonable, commensurate with the service level, with good reputation, sufficient compensation amount and high efficiency. Small insurance companies are often prone to poor service attitude, low efficiency, insufficient compensation and refusal to pay compensation.
Where is auto insurance cheap and good?
First, direct investment in official website is cheaper.
Many car owners have found this phenomenon. If they buy auto insurance through some intermediary insurance agencies, it will be about 15% more expensive than the direct purchase in official website. Now the online insurance system is more and more perfect, and there are regular preferential activities, so it is cheaper to insure in official website.
Second, the repair shop agent insurance
Large repair shops usually cooperate directly with insurance companies and provide one-stop services such as loss determination, claim settlement and maintenance, and usually provide practical maintenance discounts, which are much more than sending thermos bottles and coupons.
Third, the auto insurance APP
Internet auto insurance has many forms, using cross-border integration resources. For example, it is more popular to buy auto insurance to send maintenance, expenses, oil cards or buy goods to send auto insurance. It is a good choice for young car owners.
When is it cheaper to buy auto insurance?
Insurance companies usually need to boost their performance in the off-season from July to August, and launch preferential activities on May 1 ST and 11 th holidays. Buying auto insurance in these periods is relatively more favorable.
Which company is good and cheap for auto insurance?
These three types of insurance can be selected according to their own needs:
Pacific auto insurance is cost-effective, and the strength of auto insurance price concessions is relatively large, keeping up with the Internet era, especially online discounts. Private car insurance can be saved more than 15%, and the information is less than 10 thousand, and it can be paid in one day.
Ping An Auto Insurance is also sold directly on the Internet, which saves the difference between middlemen. Among them, the commercial insurance for private cars can save up to 15%, and sometimes there are activities in official website, such as drawing red envelopes and giving VIP benefits to major software.
The service speed and efficiency of PICC auto insurance are very high, and the payment can be notified in less than 1 0,000 yuan/hour. Moreover, PICC auto insurance premium is relatively low, which has certain advantages in price. And often engage in activities, such as sending car owners shopping cards, gas cards and so on.
Motor vehicle insurance, that is, automobile insurance, refers to a commercial insurance that bears responsibility for personal injury or property loss caused by natural disasters or accidents.
Motor vehicle insurance, that is, "auto insurance", is a means of transport insurance with the motor vehicle itself and the third party's liability as the insurance subject.
Its insurance customers are mainly legal persons and individuals who own various motor vehicles; The subject matter of insurance is mainly various types of cars, but it also includes special vehicles such as trams, battery cars and motorcycles.
The earliest automobile insurance in the world appeared in the United States in 1898. American Traveler Insurance Company Limited 1898 insured Truman Martin in Buffalo, new york for the first time. Martin is very worried that his car will be hit by a horse. There are only more than 4,000 cars in the United States, but the number of horses has reached 20 million. Carriage is still the main means of transportation. 100 years later, there were 220 million cars in the United States, and the number of horses was reduced to 2 million. Car insurance, which was regarded as a novelty more than a century ago, has now become a common thing.
The real development of motor vehicle insurance was after World War II. On the one hand, the popularity of automobiles makes the danger of traffic accidents a common social danger. On the other hand, many countries include the third party liability of all kinds of motor vehicles, including automobiles, in the compulsory insurance scope. Therefore, motor vehicle insurance business is a universal insurance business in the world.