Many of the current channels to purchase car insurance, get discounts different channels is not the same, as long as identify the method can still save money. But do not because of momentary greed, excessive down the insurance prices, this way, it may not worth the candle.
5 discount to buy the insurance, will be hurt too “cheap”
WARREN bought a car last year when the owner was not at the 4S shop to buy vehicle insurance, but find out before buying a car to a very low discount prices.
Lower the discount given is a relatively small insurance company insurance company, when WARREN asked about the insurance in the price, get insurance discounts as “seven fold.” However, after some bargaining WARREN after the insurer gives the final “5 off” the premium discount, this price is far below the 4S shop, or other insurance companies give discounts. For this success, “bargain”, WARREN also complacent about that.
However, earlier this year, WARREN’s car collided with other vehicles on the road after the accident, call the insurance company claims, but found that difficult.
Full compensation had to something to finally be a part of loss Shique only lost the last set down costs and actual damage repair costs vary quite widely between, which makes it his own pocket WARREN had to repair shops.
Loss of insurance claims will cost so “mean” to let WARREN angry, but could do nothing, only to friends, “complained.” “Who told you to buy insurance so cheap, give you a discount so low, given the price of damage to play some discount of course needs the woven.” Friend of a word, put WARREN said that he took.
Cheap car insurance only to attract tourists
Many journalists from the owners of the random survey, vehicle owners to buy insurance, the first concern is the insurance price. After always shop around to find where the cheap, on the choice of where to buy this one, “petty” psychological play a significant role. The face of low-cost or low discounts, consumers are always rush, not careful analysis of why such a low price car insurance, including whether there will be pitfalls exist.
Insurance of the most important function, that is when the dangerous condition of the vehicle can be a degree of protection, but when insurance prices lower, so the more the protection insecure. Because insurers are not public welfare enterprises, insurance companies also need to make a profit from the insured there. Low-cost or low discount car insurance, the insurance company is only a means to attract customers. And other consumers of this “fish” hooked, is steamed, or stewed, how to service the insured depends on the insurance company what to do.
Therefore, a professional car insurance consultants, said vehicle owners to purchase insurance, do not always assume that “the cheaper the better”, see the low discount on the heart. Actually, the owner of which does not account for much cheaper, but largely by the insurance company to the “Fudge” was.
Experts advise: do not pocketed from the premium, not even think about setting in place losses
According to professionals, if the insurance price discounts lower, then the insurance will hurt the amount of compensation will also be discounted. For example, the value of 1,000 yuan a vehicle headlight was damaged in an accident, insurance companies set loss, the full insurance premium discounts or small owners can receive full compensation for 1,000 yuan, or 800 element of compensation; and the owner of the premium discount is very low, insurance companies, the compensation to the headlamps will also make a low discount, it may just only 500 yuan.
Insurance companies, it did not taste from the premium on any “sweeteners”, that you (the insured) is also not even think about in setting compensation for the loss, how much “good.” After all, insurance companies will not do the trading loss, while the insured car owners, this account can not be so simple. Claims in case of vehicles involved, in addition to the original may want to use up the savings in premiums in the hundreds or thousands of dollars, more likely to pay more money to repair shops.