1. Changing the insurance company has no effect on the discount. What affects the discount is the number of accidents in the last year. All insurance companies are networked and enjoy accident records. I won't say more about the specific impact, which is more troublesome to say. Friends who want to know can write privately.
Insurance will definitely affect the discount. However, you can report the case first and ask the surveyor to come and see how much the loss is, and whether it is appropriate to count the insurance. The report does not affect the discount, and the final settlement shall prevail.
3. You can renew your insurance three months in advance at the earliest, but it is not recommended to renew your insurance in advance. There are two reasons: 1, the number of accidents last year refers to the number of cases closed between two insurance dates, and the insurance time is the time when you bought insurance. For example, the insurance period is16 August1-17 July 3 1, and the insurance period is17 August18 July 365438. If1July 15 is out of danger after renewal, the case will be closed. Then the insurance for this accident is 16- 17, but the calculated figures will be included in the insurance for 17- 18. 2. If the insurance time is too long, you will not be able to find the insurance record of the previous year and enjoy the preferential treatment. I don't know how long this time is. It used to be six months, then three months, and then maybe. This time is also calculated according to the time of insurance, for example, it is good to renew the insurance three months in advance, and it will take one or two days to buy insurance next year, so you can't find the information of last year. This will also happen. In short, 1, changing companies has no effect on discounts. 2. Try not to renew your insurance prematurely. Price is as important as service.
My auto insurance will expire in half a month, and I want to change insurance company. How can I change it?
You can change to any property insurance company, and the discount ratio has not changed. The only change is that commercial insurance may have different definitions of the risk level of your car, which will have a certain impact on your commercial insurance premium.
My car insurance will expire soon. What should I do if I want to change an insurance company?
1. Changing an insurance company is equivalent to reinsurance, and it is necessary to submit the ID card of the motor vehicle owner (such as the ID card of the loader issued by the transportation department) and its copy, and the motor vehicle information certificate (driving license or motor vehicle registration certificate and its copy).
2. If necessary, it is necessary to conduct vehicle survey according to the regulations of the insurance company.
3. Take the following materials directly to the insurance company for insurance: driving license (original, photocopy, photo, choose one of the three) and last year's policy (photocopy, photo, choose one of the two).
4. If the applicant is an individual, an ID card (copy, photo, front and back) is required.
5. If the applicant is a business license with a unified social credit code (photocopy and photo, you can choose either one).
6. In order to avoid accidents during the accident, it is impossible to get effective claims. So that the whole use process of motor vehicles is covered by insurance, it is suggested to renew the insurance in the next cycle before the end of the insurance period.
Extended data
The new car insurance regulations don't
1, the premium is calculated according to the actual value of the vehicle, and the premium is different for different vehicles with the same price.
Before the fee reform, the car owner determined the insurance fee according to the purchase price of the new car when purchasing insurance.
After the fee is changed, the vehicle shall be insured for car damage insurance according to the actual value, and the actual loss shall be compensated.
Before the comparison fee changes, consumers will have to pay lower fees.
After the fee change, the same model is different and the premium paid is different.
Authoritative evaluation of vehicles with high safety factor and convenient maintenance (cheaper parts) will lead to lower insurance costs.
The fewer accidents, the better driving habits.
The price given by the insurance company after the fee reform depends not only on the accident rate of the owner in the previous year, but also on the driving behavior habits and driving risks of the owner.
Simple calculation, there was no accident last year. Comprehensive calculation, the lowest auto insurance rate can enjoy the benchmark rate, and the lowest premium can be discounted by 50%. There has been no accident for three consecutive years (or more), and the minimum premium can be about 60% off.
3. The new regulations expand the scope of insurance liability.
Family members or drivers of the insured can make compensation under the three liability insurance, which is wider than the insurance coverage without compensation in the past.
In addition, natural disasters such as sandstorms and hail are exempt from the liability of car damage insurance.
4. Increase subrogation.