Comparison of new auto insurance policy rates

Insurance Bian Xiao helps you answer, and more questions can be answered online.

1, because all insurance companies use the same life table, this statistical data is basically the basis for all insurance companies to formulate products, so the rates are basically the same, and the core is to look at insurance liability. In addition, companies in different competitive positions may have different rates. This industry generally relies on agents for sales, so new companies often give agents relatively high commissions in order to expand the market, which may reduce the interests of customers. It is necessary to look at the insurance liability, the terms and conditions and make a good comparison. Even if the cheap protection is low, it is useless. It is the key to see the insurance liability clearly!

2,

According to the price theory of insurance industry and the subjective and objective conditions of different insurance objects, a scientific method to determine the auto insurance rate is formed, which is determined by calculation in a non-life insurance way. The calculation of non-life insurance is a technical job. In fact, it only provides a good calculation method for the insurer, and the insurer still has to abide by some basic principles when determining the insurance premium rate.

"""Auto insurance through train, private car commercial insurance province 15%!

The fairness of determining the auto insurance rate reflects the degree of danger of the subject matter insured, which is mainly reflected in two aspects: first, it should be fair between the insured and the insurer, and the insured's fees should conform to the principle of determining the insurance price, and the insured should not be allowed to bear the unreasonable profits of the insurer in the rate part; Secondly, the degree of danger of the subject matter insured may vary greatly among different insured persons, and the premiums of different insured persons should reflect this difference.

Because of the particularity of the insured goods, it is impossible to be absolutely fair, so only the insurer is required to pay attention to fairness when determining the rate.

3. Determine the compensation principle of automobile insurance premium rate.

Ensuring that the insurer has sufficient solvency is the core of the principle of ensuring repayment. Insurance premium is the basic compensation fund for the subject matter insured. Therefore, the auto insurance rate set by the insurance company should be solvent. The insurance premium rate is too low, which will reduce the insurance company's ability to pay and affect the interests of the insured.

With the continuous development of the insurance industry, the competition among insurance companies is becoming increasingly fierce. In order to gain a larger market share, many insurance companies deliberately reduce the insurance premium rate, which affects their own compensation ability, damages the interests of the insured and has a serious negative impact on the insurance industry. In order to prevent this phenomenon, the insurance premium rate is generally set by the CIRC, which not only ensures that the insurance company has a certain ability to claim compensation, but also protects the interests of the insured. Ping An auto insurance rate is a unified rate according to the requirements of the China Insurance Regulatory Commission, which can guarantee the claims of the insured to the greatest extent. Insuring Ping 'an auto insurance can not only provide timely compensation for car owners, but also enable car owners to enjoy the quality after-sales service of "within 10,000 yuan, complete information, and one-day payment".