How to buy commercial auto insurance: hot topics and structured guides across the Internet
Recently, the purchase of commercial auto insurance has become a hot topic among car owners. As auto insurance reform and market competition intensify, how to scientifically choose auto insurance has become the focus of consumers' attention. This article combines the hot content of the entire Internet in the past 10 days to provide you with a structured buying guide.
1. Top 5 hot search keywords for commercial auto insurance in 2023
| Ranking | keywords | Search volume increase |
|---|---|---|
| 1 | New energy car insurance | +58% |
| 2 | Three liability insurance coverage | +42% |
| 3 | Medical insurance external drug insurance | +35% |
| 4 | Auto insurance price comparison platform | +28% |
| 5 | Driving Insurance Alternatives | +19% |
2. Comparison of coverage coverage of mainstream commercial auto insurance
| Insurance type | Protection content | Recommended group | average rate |
|---|---|---|---|
| car damage insurance | Vehicle collision, natural disaster losses | New cars/high value cars | Car price×1.2% |
| Three risks | Third party personal property damage | All owners | 2 million insured amount is about 800 yuan |
| seat insurance | Casualties in this vehicle | Frequent passenger vehicles | 10,000 yuan per seat, about 50 yuan |
| Medicines for external use under medical insurance | Medical expenses exceeding the medical insurance catalog | risk averse | Approximately NT$50 additional |
3. Five golden rules for purchasing commercial auto insurance
1.Dynamic adjustment of insured amount: It is recommended that the three-person insurance is not less than 2 million, and can be increased to 3 million in first-tier cities
2.Special configuration for new energy vehicles: Required self-ignition insurance and external power grid failure insurance
3.Claims service priority: Choose insurance companies with complaint rates below 1% (refer to China Banking and Insurance Regulatory Commission data)
4.Value-added services comparison: The actual value of road rescue, driving and other services can reach 300-500 yuan/year
5.Time node control: Renewal in July-August every year to enjoy the maximum discount
4. Service ratings of auto insurance companies in 2023
| company | Claims time limit | Complaint rate | Special services |
|---|---|---|---|
| People's Insurance Company | Within 24 hours | 0.8% | Nationwide Helicopter Rescue |
| Peace | Respond within 30 minutes | 0.6% | AI loss assessment |
| Taibao | Within 48 hours | 1.1% | Maintenance quality supervision |
| China Life Insurance | Within 72 hours | 1.3% | Lifetime inspection-free service |
5. Guide to avoid pitfalls: 3 common misunderstandings
1.Full insurance ≠ full compensation: Water-related insurance needs to be insured separately, and modified parts are not covered by the claim.
2.low price trap: Premiums 15% lower than the industry average may reduce service content
3.Repeat insurance: Driving insurance and seat insurance will only be compensated once if purchased at the same time.
6. 5-step method for intelligent insurance purchase
1. Log in to the official auto insurance calculator to get a baseline quote
2. Obtain quotes from more than 3 companies through the price comparison platform
3. Check the differences in protection terms (focus on the exemption clauses)
4. Confirm the value-added service content (such as the number of days of mobility scooter)
5. Verify the authenticity of the electronic policy immediately after it takes effect (official website/official APP)
According to the latest industry data, scientific allocation of commercial auto insurance can increase comprehensive protection efficiency by 40% and save an average of 15-20% of premiums each year. It is recommended that car owners re-evaluate their insurance plans every two years to adapt to changes in vehicle depreciation and protection needs.
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