How to pay for car insurance: Hot topics and practical guides on the Internet in the past 10 days
As car ownership continues to grow, car insurance purchase and renewal have become the focus of car owners. This article will combine the hot content on the Internet in the past 10 days to sort out the core process, precautions and latest industry trends of purchasing auto insurance for you, and help you complete the auto insurance purchase efficiently.
1. Hot topics related to auto insurance on the entire network (last 10 days)
| Ranking | hot topics | search index | Related content |
|---|---|---|---|
| 1 | New energy car insurance prices increase | 85,200 | New energy car owners in many places reported premium increases of 20%-30% |
| 2 | Car insurance early renewal discount | 62,400 | Many insurance companies have launched the "20% off for renewal 30 days in advance" campaign |
| 3 | Full implementation of electronic insurance policies | 53,100 | 28 provinces across the country have implemented electronic auto insurance |
| 4 | Driving insurance becomes new standard | 47,800 | In 2023, the driving accident insurance insurance rate will increase by 45% year-on-year |
2. Guide to the whole process of purchasing auto insurance
1. Determine insurance plan
Choose the basic insurance + additional insurance combination according to the vehicle value and usage scenarios:
| Insurance type | Required/optional | Coverage | 2023 average price reference |
|---|---|---|---|
| Compulsory traffic insurance | Required | Third party personal injury/property damage | 950 yuan (for household use with less than 6 seats) |
| car damage insurance | Recommended | Vehicle Collision/Natural Disaster Losses | 1.2%-1.5% of the car price |
| Three risks | Recommended | Third Party Liability Compensation | 2 million insured amount is about 800 yuan |
| Driving accident insurance | Optional | Compensation for vehicle casualties | 200-500 yuan/year |
2. Choose purchasing channel
Comparison of mainstream channels:
| Channel type | Advantages | Disadvantages | Suitable for the crowd |
|---|---|---|---|
| Insurance company official website | Transparent prices, self-service price comparison | No dedicated service | Young car owners who are familiar with insurance |
| 4S store | One-stop service, claims assistance | Price is on the high side | new car owner |
| Third party platform | Compare prices from multiple locations and offer many discounts | Information security needs attention | Car owners who pursue cost-effectiveness |
3. Latest discount information (August 2023)
| insurance company | Activity content | Deadline | Applicable conditions |
|---|---|---|---|
| Ping An Auto Insurance | Instant discount of NT$300 for new customers | August 31 | First-time insured users |
| PICC Property & Casualty Insurance | Maintenance coupons for renewal | September 15 | Insured for more than 3 consecutive years |
| Pacific Insurance | 30% off premiums for designated models | Effective for a long time | New energy models |
3. Answers to hot questions
Q1: Why has the price of new energy car insurance increased?
According to data from the Insurance Industry Association, the accident rate of new energy vehicles is 12% higher than that of fuel vehicles, and the maintenance cost is 35% higher. Recently, some provinces and cities have launched a rate adjustment mechanism, and it is recommended that car owners reduce their insurance premiums by installing battery guards.
Q2: How to use electronic insurance policy?
Now more than 90% of areas across the country support electronic policy vehicle inspection. You only need to save the PDF version on your mobile phone or present it through the "12123" APP. However, some remote areas such as Tibet and Qinghai still need to carry paper copies.
4. Professional advice
1.Price comparison period:It is recommended to start inquiry 40-50 days in advance. The insurance company will release discounts according to the renewal time gradient.
2.Claims record:Small claims (less than 2,000 yuan) may affect the next year's premium. It is recommended to handle minor accidents at your own expense.
3.Value-added services:Focus on practical services such as roadside assistance and driving services, and some companies provide free battery charging services
Conclusion:When purchasing auto insurance, you need to comprehensively consider coverage, price, and service quality. It is recommended that car owners re-evaluate their insurance plans every year, pay attention to industry policy changes in a timely manner, and choose the insurance product that best suits them. Apply for insurance through formal channels and keep the electronic insurance policy and related certificates to ensure worry-free car use.
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