The reporter immediately consulted several mainstream insurance companies and found that there was indeed a gap. However, the preferential policies of various insurance companies will be adjusted every year according to their own conditions. Different models will have different policies, and the specific situation is quite complicated. The policies inquired by reporters are all aimed at ordinary family cars.
However, the premium concessions provided by insurance companies are only for the commercial insurance of old customers. If you change insurance companies halfway, even if there was only one insurance last year, you won't enjoy premium concessions. The same is true of compulsory insurance. As long as it is out of danger, there will be no discount the next year.
Ping An: Only once in the last year, which does not affect the premium of the following year. Going out of danger twice depends on the amount of claims: if the total amount of claims does not exceed the premium of the previous year, you can enjoy the same preferential treatment as the previous year; If it exceeds, raise it. What is "last year's premium"? Ping An staff calculated that the premium does not include compulsory insurance. Take a family car with a price of 6.5438+0.5 million yuan as an example. If the insurance coverage of the three insurances is 300,000 yuan, the premium of the commercial insurance in the previous year will be about 2,500 yuan after being discounted.
Pacific: Commercial insurance is out of danger twice (including twice) without price increase. Just look at the number of times, not the amount.
China People's Insurance Company: No insurance or only one insurance, the premium is 30% off the standard premium, and the electricity sales can enjoy about 8.5% off. If you go out of danger twice, you will no longer enjoy the 15% discount after the discount. If you have been out of danger for three times, and the sum of the three claims does not exceed the premium of the previous year (about 2,500 yuan for a family car of 6,543.8+0.5 million yuan), you can also enjoy a little discount on the basis of the standard premium. Those who exceed the premium will no longer enjoy discounts and may even rise.
Life insurance: the premium is only related to the number of accidents. If you have been out of danger for more than 3 times (inclusive), the premium will increase by 8%.
Dida: If you go out of danger twice (inclusive), you will have to raise the premium.
Zheshang: Once you are out of danger, you will no longer enjoy the discount. After twice, it will increase by 10%.
How to reduce auto insurance accidents
1. Observe the traffic rules and drive the vehicle safely and carefully.
2. The claim for small car insurance accidents is to reduce accident records.
When car insurance is renewed, car owners should also pay attention to the premium preferential terms of insurance companies. Generally speaking, if there is no auto insurance accident within one year, the premium for the coming year can be discounted by10%; If there is no record of the number of auto insurance accidents for several years in a row, then the premium discount can reach about 30% at the highest. At the same time, Ping An Property & Casualty has "scooter additional insurance" in new auto insurance products, that is, after the insured has an insurance accident, the insurance company provides scooter service. Therefore, excellent customers will be the biggest winners, your understanding is the driving force for safe progress, and the opportunity to achieve a win-win situation is in your hands.