Telephone car insurance
I believe everyone will receive many such calls. Their way is to communicate with car owners by telephone with special telephone numbers, and complete the sales processes such as insurance product introduction, consultation, quotation and policy confirmation through WeChat, email and SMS quotation. A little too professional. In layman's terms, it is to sell you an insurance by phone.
superiority
Convenient and low in price.
Cut off the intermediate links and directly face the customer's direct insurance. Under the national minimum discount of 30%, the quotation can be lowered by 15%. Coupled with the rise of the internet, it has a certain market share.
Disadvantaged
It is easy to misunderstand wrong insurance and cheat insurance.
It is easy to misunderstand in the communication and explanation between auto insurance personnel and car owners, which leads to wrong insurance, unsuccessful claims in the future, and the responsible person cannot be investigated.
In addition, recently, some lawless elements have been selling auto insurance everywhere to deceive customers, resulting in not knowing which is true and which is false, and information is easy to leak. This is better to be cautious.
4S shop automobile insurance
A few years ago, the rise of 4S stores in China made insurance companies follow suit. Up to now, 4S stores still sell a lot of insurance, but after 20 13, 4S stores began to enter an unprofitable period, and insurance sales and insurance maintenance became the last straw.
superiority
Original accessories, one-stop service, worry-free
At present, for some car owners, 4S shop is still the first choice, because the accessories are original, and the claims are one-stop and worry-free.
Disadvantaged
High premium and few value-added services.
The insurance premium bought in the 4S shop is relatively high, because the 4S shop has specialized terms, expensive accessories, many working hours and high claims cost in the later period of insurance, so the water rises, and the final cost is still added to the owner. The 4S shop has high operating costs and few value-added services. After the exposure of CCTV 3 15, some 4S stores still shoddy, and installed some inferior accessories on the owner's car to maximize profits, so 4S stores are slowly deteriorating, so be careful.
Repair shop professional automobile insurance
With Premier Li putting forward the concept that all industries can be internet plus, more and more Internet car brands are springing up like mushrooms after rain, and many insurance companies have also turned their attention to such repair shops and given such emerging enterprises some store policies. In addition, this new enterprise even puts forward transparency, which 4S stores dare not say, but customers are eager to know. There is also convenience. Internet 020 car service is to free everyone from the waiting time in the maintenance process, so that everyone has more time to live, work and enjoy, and the efficiency is higher.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.