How to buy car insurance for the third year? Popular topics and structured guide on the Internet in the past 10 days
As the auto insurance market continues to change and consumer demands escalate, how to purchase third-year auto insurance has become a hot topic recently. This article will combine the hot content of the entire Internet in the past 10 days to provide you with structured data analysis and practical suggestions to help you make wise choices.
1. Inventory of hot topics related to auto insurance in the past 10 days
| Ranking | hot topics | Discussion popularity | core concerns |
|---|---|---|---|
| 1 | New energy car insurance prices increase | ★★★★★ | Premium increase, battery protection |
| 2 | Auto insurance renewal discounts | ★★★★☆ | Cash back trap, gift value |
| 3 | No compensation factor adjustment | ★★★☆☆ | Changes in NCD rules and discounts |
| 4 | Necessity of additional insurance | ★★★☆☆ | Separate loss of medicines for medical insurance and wheels |
| 5 | Comparison of services of small and medium-sized insurance companies | ★★☆☆☆ | Claim settlement speed, offline outlets |
2. Comparison of core data on car insurance purchases in the third year
| Project | First year premium | Second year premium | Third year premium (forecast) |
|---|---|---|---|
| Compulsory traffic insurance | 950 yuan | 855 yuan (-10%) | 760 yuan (-20%) |
| Commercial insurance (2 million for all three) | 1200 yuan | 900 yuan (-25%) | 720 yuan (-40%) |
| Car damage insurance (150,000 insured amount) | 1800 yuan | 1260 yuan (-30%) | 1008 yuan (-44%) |
| Total premium (including additional insurance) | 4500 yuan | 3200 yuan | 2600-2800 yuan |
3. Car insurance purchasing strategy in the third year
1.Users with no compensation record: The NCD coefficient can be reduced to 0.6. Suggestions: - Give priority to insurance companies with service ratings of AA or above - Require insurance companies to provide a clear list of price components - Focus on value-added services such as roadside assistance
2.Users with 1 claim record: The NCD coefficient has returned to 1.0. Suggestions: - Compare quotations from more than 3 insurance companies - Consider increasing the insurance coverage of the third party insurance to 3 million - Delete unnecessary additional insurance (such as scratch insurance)
3.New energy car owners: Special attention is required: - Confirm the special battery protection terms - Check whether the loss of charging piles is included in the liability - Give priority to insurance companies with dedicated claims teams
4. New changes in the auto insurance market in 2024
According to the latest data from the China Banking and Insurance Regulatory Commission: - The comprehensive expense ratio of auto insurance dropped by 2.3 percentage points year-on-year - The reporting rate of new energy auto insurance is 18% higher than that of fuel vehicles - The online rate of auto insurance exceeded 75%
It is recommended that consumers obtain real-time quotes through the official APP or authoritative price comparison platform, be wary of the "ultra-low price" trap, and pay attention to the connection between the policy's effective time and avoid the protection window period.
5. Expert advice
Tips from experts from the Insurance Industry Association: 1. The third year of car insurance should focus on the "protection gap" rather than simply reducing prices 2. It is recommended to add "special clauses for motor vehicle value-added services" for urban cars 3. Older vehicles (more than 5 years old) need to check the car damage insurance depreciation ratio
Through the above structured analysis and hot spot tracking, consumers can more clearly formulate their car insurance purchase plans for the third year and ensure adequate protection while enjoying preferential rates.
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