1. Insurance is better than nothing. When you have an insurance accident, as long as you meet the insurance terms, you will not lose money because the insurance company is small, nor will you lose more money because the insurance company is big.
2. Car insurance of large companies is expensive, mainly in two places, one is brand premium, and the other is stable service level. I don't need to say the brand premium. Let's start with a stable service level. Large companies sell 6.5438+0 million auto insurance in your city, and the probability of getting out of danger every day will be much more stable than that of companies that only sell 6.5438+0 million auto insurance. It is not hard to imagine that you only sold 1 car insurance, and your accident rate may be 100% today and 0% tomorrow.
3. What insurance company? According to my personal insurance experience, I used Pacific Insurance before, but after a car insurance dispute, I changed to Zijin Insurance. I did an online survey before, and now there is no problem. The attitude when asking customer service is still very good. This company is still very trustworthy. If there is any dispute, it must be solved through good communication between the two sides.
4. There are several preferential coefficients for commercial auto insurance, such as underwriting coefficient, channel coefficient and no compensation coefficient. Among them, the preferential coefficient of deductible is related to whether the insurance policy is out of danger in the year. The date of the accident is subject to the date of closing the case. The first coefficient becomes 1.0, the second coefficient is 1.25 and the first coefficient is 2.0. In some areas, the floating times and coefficients are higher.
5. The premium paid by the customer will be obtained by multiplying the benchmark premium by four floating coefficients: independent underwriting coefficient, independent channel coefficient, non-indemnity preferential treatment coefficient and traffic violation coefficient. Among them, the coefficient of preferential treatment without compensation is determined by the industry auto insurance information platform according to the insurance situation of the insured vehicle in the past three years; The two coefficients of independent underwriting and independent channel are determined by insurance companies;
6. The traffic violation coefficient is determined by the owner's traffic violation record. Reasonable matching of different vehicle rates and vehicle risk levels, and reasonable matching of consumers' premium burden and personal risk level will effectively guide car owners to obey traffic rules and drive safely, reduce the frequency of accidents and promote urban road traffic safety management.