Pay attention to 1
Pay attention to the size of the insurance company
After all, insurance is different from ordinary commodities, but a highly professional contract, which involves matters such as future loss determination and compensation, which is often difficult for ordinary car owners to grasp. Therefore, when buying insurance, car owners must learn more from relatives and friends who have a car, and choose a formal insurance company and a qualified insurance professional agent to buy car insurance.
When choosing an insurance company, car owners can’t just consider premiums, service is the most important thing.
Generally speaking, large insurance companies have a good reputation and many claim settlement points. They usually come out in a timely manner and have relatively high claims standards. Large insurance companies can generally settle claims for customers based on the maintenance costs of 4S stores, such as China Insurance, Ping An Insurance, and Pacific Insurance, but the premiums will also be relatively higher.
Pay attention to 2
Be careful of the pros and cons of the insured location
Now it seems that insurance can be bought anywhere-4S shops, insurance companies, agencies...what is the difference between them? For some policyholders who are busy with work, it is more convenient and quicker to choose to apply for auto insurance in a 4S shop. This is mainly from the perspective of claim settlement after an accident. After applying for insurance at a 4S shop, the insured can go directly to the 4S shop after the risk, and nothing is needed. Moreover, the 4S shop is generally very skilled in repair technology, so there is no need to worry about the quality of repairs.
It is cheaper to buy insurance from an insurance company, but it is often more troublesome when it comes to insurance claims, whether it is damage assessment or claims settlement, etc., it takes a lot of time.And in the small
carService companies or
repair shops are covered by car insurance, and there is often
AccessoriesAnd other issues. Therefore, from the perspective of convenience and worry, it is more cost-effective to insure in a 4S shop.
Pay attention to 3
Keep in mind that different companies have different deductibles
The deductible ratio means that when the car owner assumes the main responsibility for the car accident, the proportion of the accident loss that the car owner bears is directly related to the amount of compensation that the car owner can get.
Related Links: Summary of Auto Insurance Knowledge-Auto Insurance Instructions
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