How to buy family car insurance
With the popularity of family cars, how to purchase suitable car insurance has become the focus of car owners. Recently, the hotly discussed auto insurance topics on the Internet mainly focus on premium adjustments, differences in new energy auto insurance, and optimization of claims services. This article will combine the hot content of the past 10 days to provide you with a structured guide to purchasing family car insurance.
1. The latest developments in the auto insurance market in 2023
According to recent industry data, the auto insurance market shows the following trends:
| Project | data | Remarks |
|---|---|---|
| Traditional fuel vehicle insurance | An average decrease of 5.8% | Benefit from the market-oriented reform of rates |
| New energy vehicle insurance premium | An average increase of 12.3% | Battery repair costs are higher |
| Electronic policy usage rate | Reach 89% | An increase of 17 percentage points compared with last year |
2. Necessary insurance types and purchasing suggestions
Family car insurance is mainly divided into two categories: compulsory insurance and commercial insurance:
| Insurance type | Coverage | Recommendation index |
|---|---|---|
| Compulsory traffic insurance | Third party personal injury/property damage | ★★★★★ (must buy) |
| Third party liability insurance | Compensation exceeding the portion of compulsory traffic insurance | ★★★★★ (recommended above 1 million) |
| car damage insurance | Loss of own vehicle | ★★★★☆ (recommended to buy new cars) |
| Vehicle occupants liability insurance | Compensation for injuries and deaths of passengers on this vehicle | ★★★☆☆ (choose according to your needs) |
3. Comparison of popular additional insurances in 2023
Recent big data shows that attention to the following additional insurances has increased significantly:
| Additional insurance | Applicable scenarios | reference price |
|---|---|---|
| Wheel separate loss insurance | Tire stolen/flat tire | 100-300 yuan/year |
| Medical insurance external drug liability insurance | Covers self-paid drugs | 50-150 yuan/year |
| Double insurance during holidays | Legal holiday protection upgrade | 80-200 yuan/year |
4. Cost-effectiveness analysis of purchasing channels
According to consumer survey data, the advantages and disadvantages of each channel are as follows:
| Purchase channels | average discount | Service features |
|---|---|---|
| Insurance company official website | 15% off | Rich gifts and transparent process |
| 4S store agency | original price | Convenient and fast, bundled services |
| Third party platform | 7.5-20% off | Convenient price comparison and great discounts |
5. Claims data and pitfall avoidance guide
According to the latest claims report:
| Claim type | Proportion | Processing time |
|---|---|---|
| Small amount quick compensation | 62% | Average 1.5 working days |
| Injury cases | 18% | Average 15 working days |
| major accident | 20% | Average 30 working days |
Things to note:
1. Avoid duplicate insurance. If you apply for insurance from multiple companies, you will not receive multiple compensations.
2. Update vehicle information in a timely manner, and modifications must be reported proactively
3. Keep the complete chain of accident evidence, including photos, videos, etc.
4. Pay attention to the value-added services of insurance companies (roadside assistance, driving services, etc.)
6. Special tips for new energy vehicle insurance
There has been a lot of controversy over new energy car insurance recently. It is recommended that you pay attention to:
• Is battery coverage included in car damage insurance?
• Insurance coverage for accidents during charging
• Liability determination for accidents caused by intelligent driving functions
Through the above structured data analysis, we hope to help car owners choose the insurance plan that suits their cars more wisely. It is recommended to re-evaluate the protection needs before renewing the insurance every year, and dynamically adjust the insurance portfolio based on factors such as the age of the vehicle and frequency of use.
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