In 2019, with the support of my father, I finally got the first car in my life, which was accompanied by vehicle insurance. The vehicle insurance in our country can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance also includes vehicle main insurance and additional insurance. As a Buddhist car owner, for the first two years, I bought Zhonghua Insurance under the recommendation of my brother. One reason is that there are hundreds of rebates from the China Insurance Company next to my home, as well as gifts (such as water cups, tool boxes, etc.). Second, I have been too lazy to use my head to compare the characteristics of each family.
Later, as I lived alone in another place, I had fewer and fewer days to go home. In addition, it was not worthwhile to make a trip for car insurance, so I directly quoted prices on the Internet, waiting for bombing by all parties. After listening to the sales promotion of China Insurance, PICC and Sunshine Auto Insurance recently, I have my own ideas by comparing one with two.
First, let's talk about "third-party liability insurance". This is generally 2 million or more, which is also a big head. But it is worth noting that:
Third party liability insurance claims are usually made according to the insurance liabilities in the medical insurance catalogue, while drugs for external use under medical insurance are not within the scope of third party liability insurance claims and will not be settled, and the relevant medical expenses should be borne by the owner.
Therefore, there has always been a need for the existence of "medical expense liability insurance beyond medical insurance". Until September 18, 2020, after the comprehensive reform of automobile insurance, it was mainly used for external medicine of medical insurance. But it is worth mentioning that all auto insurance sales will not active Mention the existence of this thing. It will not even provide too high a quota!
Of course, this also creates a personal problem: It would rather be killed directly than injured or disabled.
The devil inside needs to be locked up, so this year I specifically mentioned this for every sales person Liability insurance for medical expenses other than medical insurance 。 At least, keep your few kindnesses.
Next, let's introduce my car first, and then talk about the quotations from three companies.
My car is Kia series, not expensive, ordinary courtesy car. Suitable for household use, not luxury cars. Therefore, automobile insurance mainly includes several parts:
- Compulsory traffic insurance. (You can use it for less than 2000 yuan, otherwise you can't go on the road without buying it. My price is 570 yuan this year.)
- Vehicle and vessel taxes. (My price is fixed at 180 yuan. At present, China only exempts new energy vehicles and vessels that meet the standards from vehicle and vessel tax, and reduces the vehicle and vessel tax by half for energy-saving vehicles that meet the standards.)
- Vehicle damage insurance. (The main reason is that car repairs are very expensive.)
- Driving insurance. (Guarantee the driver and passengers of the vehicle.)
- Third party insurance.
- Liability insurance for medical expenses other than medical insurance (not expensive, but worth buying.)
It is also worth mentioning that due to the epidemic last year, the commercial insurance was extended for three months for free. This year, I only bought commercial insurance for nine months.
life insurance
I will buy PICC insurance in 2022, mainly because they are cheap in Internet quotation, good reputation, and more importantly, they have rebates.
As a result, the rebate did not arrive in a particular year. This year's sales said that it was missed last year, so they gave me a make-up call this Thursday.
The insured amount is as follows:
- Vehicle damage insurance: 32830 yuan
- Third party insurance: 2 million yuan
- Driving insurance (driver): 30000 yuan
- Driving insurance (passenger): 30000 yuan/seat * 4
- Liability insurance for medical expenses beyond medical insurance: 20000 yuan (I need to pay 18.43 yuan). Update 20230405. ）
- Supplementary accident insurance for drivers: including traffic personal accident insurance, accidental death and disability coverage of 100000 yuan; Double payment insurance of 100000 yuan for accidental injury on statutory holidays; Additional accidental injury medical insurance 10000 yuan; The accidental hospitalization allowance is 9000 yuan.
- Gift: 7 road rescues, 1 vehicle safety inspection and 1 inspection service.
The total amount is 1707.85 yuan, and the rebate is 140 yuan. that is After rebate is received I should have paid 1567.85 yuan.
Special reminder: I bought the car insurance in March 2022, and the rebate has not been received by the time of sending the document. (Although it arrived later.)
China Insurance
In 2020 and 2021, I was the China Insurance Company at my home, not buying it on the Internet, but coveting gifts: repair kits.
In 2023, the Internet marketing quotation is as follows:
- Vehicle damage insurance: 32548.60 yuan
- Third party insurance: 2 million yuan
- Driving insurance (driver): 30000 yuan
- Driving insurance (passenger): 120000 yuan (four seats)
- Liability insurance for medical expenses other than medical insurance (tripartite insurance): 100000 yuan (I need to pay 44.24 yuan)
- Medical insurance liability for accidental injury: 10000 yuan; Accidental injury hospitalization allowance insurance liability: 18000 yuan; Insurance liability for accidental death/disability: 100000 yuan; Accidental injury: 100000 yuan. (All are * 5 seats)
- Complimentary: 7 road rescues and 1 safety inspection.
The total amount is 1652.09 yuan, 1600 yuan after discount.
Sunshine Auto Insurance
Because I am a Unicom customer, I usually answer 10010 calls. However, I didn't notice that the call started with 10100. After answering the call, I knew it was Sungrow Auto Insurance. I couldn't help but say that they were very friendly and said that they would give me a VIP price for new users and a discount for compulsory traffic insurance! Only 570 yuan!
Other insured amount is as follows:
- Vehicle damage insurance: 34930 yuan
- Third party insurance: 3 million yuan
- Driving insurance (driver): 10000 yuan
- Driving insurance (passenger): 10000 * 4
- During the repair period, 100 yuan will be compensated per day for 5 days.
- Liability insurance for medical expenses beyond the medical insurance of the three parties: 10000 yuan. (I need to pay 4.38 yuan)
- Special terms for road rescue 12 times
- Special terms for vehicle safety inspection once
I don't know what to protect, but what I want to complain about is:
- Carefree Channel Exclusive Special Edition (5 seats) RMB 499.0
What is this guarantee? The salesperson confused me and didn't understand. The final highlights are:
- Vehicle and vessel tax 180 yuan
That's right, the car and ship tax, or should I pay for it?
Finally, which automobile insurance do you mainly choose? Why don't we talk together?
Jiang Chen finally chose China Insurance, mainly because of the insurance beyond the third party's medical insurance.
It is worth mentioning that Ping An Auto Insurance did not contact me this year, which disappointed me. Although I have been contacted for 3 years, I have never bought it, but I still want to see what you offer this year.
