【Car owner's car knowledge】After buying a car, many friends are hesitant about where to go for car insurance. Let’s briefly talk about the advantages and disadvantages of telephone car insurance, 4S shops, and repair shops in terms of car insurance, and how we should choose.
■Telephone car insurance
Telephone auto insurance uses telephone as the main means of communication, with the help of network, fax, text message, mail, delivery and other auxiliary methods, through the special telephone marketing number of the insurance company, to complete the main marketing process of insurance product promotion, consultation, quotation, and policy condition confirmation. business.
Advantage
Convenient and cheap
Because there are no intermediate links such as agencies, insurance companies can directly sell auto insurance products to car owners to benefit car owners, so telephone car insurance is cheaper than traditional car insurance, so it is welcomed by car owners. It should be said that the difference between regular telephone auto insurance and traditional auto insurance is mainly in the way of sales, while claims and services are no different from traditional auto insurance. Phone auto insurance also combines the advantages of the Internet, and phone auto insurance and online auto insurance are graduall
【Car owner's car knowledge】After buying a car, many friends are hesitant about where to go for car insurance. Let’s briefly talk about the advantages and disadvantages of telephone car insurance, 4S shops, and repair shops in terms of car insurance, and how we should choose.
■Telephone car insurance
Telephone auto insurance uses telephone as the main means of communication, with the help of network, fax, text message, mail, delivery and other auxiliary methods, through the special telephone marketing number of the insurance company, to complete the main marketing process of insurance product promotion, consultation, quotation, and policy condition confirmation. business.
Advantage
Convenient and cheap
Because there are no intermediate links such as agencies, insurance companies can directly sell auto insurance products to car owners to benefit car owners, so telephone car insurance is cheaper than traditional car insurance, so it is welcomed by car owners. It should be said that the difference between regular telephone auto insurance and traditional auto insurance is mainly in the way of sales, while claims and services are no different from traditional auto insurance. Phone auto insurance also combines the advantages of the Internet, and phone auto insurance and online auto insurance are gradually becoming a trend.
In terms of price, according to the regulations of the China Insurance Regulatory Commission, companies with direct telephone auto insurance licenses require that the sales of telephone auto insurance should be centrally managed and operated in a unified manner.
disadvantage
Telephone exchanges are prone to misunderstandings, wrong insurance is prone to be deceived
Due to the characteristics of telephone and network communication, sales staff and customers cannot communicate face-to-face. There are difficulties in communication and interpretation of some complex issues, which will eventually lead to the insured taking the wrong insurance. In addition, with the development of telephone car insurance, some criminals have also taken a fancy to this "fat", and have created fake telephone car insurance, and the means are quite high. These people not only ruined the reputation of phone insurance, but also disrupted the market, and most importantly, victimized car owners.
■ 4S shop auto insurance
In addition to telephone car insurance, one of the most common channels to buy car insurance is the car dealership. According to people in the insurance industry, most of the auto dealers and auto repairers represented by 4S stores currently sell auto insurance as an agent.
Advantage
One-stop service for original parts for repair parts is very worry-free
The advantage of insuring in a 4S store is the after-sales service. The insured does not need to worry about the claims after the accident. The accessories are usually original, and the quality is guaranteed. For the novice who just bought a car, it is best to have insurance in the 4S shop. Although you have to pay a little more, the service and maintenance are guaranteed, which is equivalent to spending money to buy a rest assured.
disadvantage
Higher insurance costs and less value-added services
The pre-insurance premiums in 4S stores are usually relatively high. This is because the 4S stores are responsible for vehicle repairs, and the later costs are relatively high. Moreover, the accessories in the 4S stores are more expensive. Generally, 30% of the purchase price is added, and the labor cost is also high. In this way, insurance companies must consider the above factors when determining premiums when issuing orders. The up-front premiums are usually 10% to 20% higher than the insurance companies themselves insured last year. In addition, car insurance in the 4S shop. Compared with other insurance methods, there are fewer value-added services.
■ Repair shop auto insurance
Currently, many repair shops also have partnerships with insurance companies. It can provide services such as insurance, and in terms of service, it is not much worse than the first two.
Advantage
Courteous service, more value-added services
Car insurance in the repair shop, relative to the previous two. Compared with its value-added services, while providing auto insurance, you can also give away film and so on. And when the vehicle breaks down or an accident occurs, it can provide door-to-door pickup service, adding many humanized services.
disadvantage
The maintenance guarantee is not high, and the quality of the accessories cannot be guaranteed.
In terms of post-insurance repairs, the former two are at a disadvantage. First of all, the maintenance of the vehicle failure is basically carried out in the repair shop, and the technicians have far less experience in the maintenance of the corresponding brand models than the 4S shop technicians. In addition, the parts used and replaced during maintenance cannot be guaranteed to be original parts, and the quality is not guaranteed.
The advantages and disadvantages of various insurance methods
■Telephone car insurance advantages:Convenient, fast and low price; Disadvantages: telephone exchanges are prone to misunderstandings and wrong insurance is easy to be deceived.
■4S shop auto insurance advantages:One-stop service for original parts is very worry-free for maintenance parts; disadvantages: higher insurance costs and less value-added services.
■Maintenance shop auto insurance:Advantages and thoughtful service, value-added services for door-to-door pick-up; Disadvantages: low maintenance guarantees and accessories can not guarantee the quality.
When car owners choose insurance methods, they must first weigh their needs. For a new car, it is still recommended to insure at a 4S shop, so that the owner can be assured of worry-free maintenance. If we pursue higher cost performance, we can choose telephone car insurance; for older vehicles, we can choose repair shop car insurance.
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