PICC is the only state-owned company among the three companies, with high brand influence and the highest annual premium income. If you want to get out of danger quickly, you can consider PICC.
Because PICC has the largest number of outlets in the country, the fixed loss limit is fast, the funds are also large, and the insurance regulations are comprehensive and wide. All kinds of cars, cars, trucks, motorcycles and even electric cars, PICC has corresponding auto insurance to choose from, and basically all of them can pay. PICC adopts the method of "repair the car first, then pay". Although the premium is more expensive, it has high efficiency and fast settlement speed.
2. Ping An Auto Insurance: professional auto insurance and excellent service.
Ping An pays more attention to the user experience and provides better service. Adopting the method of "paying first, then repairing the car", it is the only company that starts fast claims and advances the repair cost within 654.38+10,000 yuan. After the auto insurance reform, Ping An also increased or decreased seven free accident rescues and 1 free inspection, which is very convenient for car owners.
The better the service, the higher the premium. Ping An is also very strict in claims review. In the case of car damage of less than 10,000 yuan, there should be no casualties, the responsibility for the accident should be clear, the claim documents should be used completely, and it is approved to go to the safe and quick compensation cooperation factory for maintenance. If economic conditions permit, you can choose Ping An Auto Insurance.
3. Pacific Auto Insurance: The premium is lower and more favorable.
Pacific is a life insurance company, and auto insurance is only its subsidiary business. Therefore, compared with the first two insurance companies, the premium of Pacific Auto Insurance is lower. If the economic conditions are limited or you don't want to spend too much money on auto insurance, you can buy Pacific auto insurance, but because of the lower price, the service and efficiency will be worse than PICC and Ping An.