The author | Cat Girl
The source | Big Cat Good Planning (ID: damaoplan)
"I didn't have any insurance last year, so why did the premium rise this year?"
"Yes, they all say that the car insurance reform will reduce the premium."
The decline and rise in premiums are theoretical.
It falls on everyone's head, whether it is up or down, but it is not certain.
Cat sister today to tell you, in the end what factors will make your car insurance premiums increase, you can take a seat.
Number of insurance trips
The most important factor affecting car insurance premiums is still the claim.
The concept of car insurance is "rewarding the good and punishing the inferior", low premiums that do not produce insurance, and high premiums that are insured and insured.
The latest round of car insurance reform has reduced the lower limit of the floating rate of car insurance rates, which was originally a maximum of 30%, and now it can be floated down by up to 50%.
It is also this that makes many people think that car insurance will reduce the price.
However, many cat friends reacted that last year there was no insurance, how this year's premium is expensive.
This is mainly due to the fact that after the reform of auto insurance, the claim situation was only traced back for one year to three years.
Now the car insurance examines not only whether there was any insurance last year, but also considers the car insurance claims within three years.
So, last year there was no insurance, can you think, the previous year out? Did the year before the big come out?
Don't be naïve enough to think that there was no dangerous trip last year.
The road without danger is really a long way to go.
Other factors
In addition, after the reform of car insurance, it can be said that car insurance quotations have become more complicated.
Because, there are more factors that cause rate fluctuations.
In addition to examining the number of insurance trips, insurance companies also have their own pricing coefficients.
At present, this coefficient ranges from 0.65-1.35, that is, in addition to the number of insurance trips, the insurance company can also carry out additional rewards and penalties for the owner according to its own standards.
In general, areas that insurance companies will look at include:
The driving age, age, and violation of the rules of the owner
Vehicle brand and model
Personal credit
……
Although from the perspective of the industry, there may be a situation where the data is incomplete, resulting in these coefficients are not perfect, but it does not prevent some companies from accumulating more data before.
Take the car factor, recently the new energy electric vehicle terms have been launched, some electric vehicle owners instantly experienced the sourness of the "price increase" of car insurance, and some people said that "new energy saves that little bit of fuel money, all pay premiums."
Price increases, and electric vehicle protection content is more related, at the same time, with the maintenance cost is also directly related, if a brand of electric vehicle accessories lack of substitution, or material, design is special, resulting in high repair costs will also directly affect the price of car insurance.
A similar situation exists with oil trucks.
The insurance industry association has been studying the problem of the zero-to-integer ratio of automobiles, and the zero-to-integer ratio of some cars has even reached 835%, that is, you change the auto parts again, which is equivalent to buying 8.35 new cars, the maintenance cost is high, and the car insurance is naturally a little more expensive.
It can only be said that the future car insurance quotation will be more personalized.
Be aware of "special cases"
In addition to the above situations, there are actually some "special cases".
One is the "path dependence" of car insurance.
For example, Cat Sister found that many people have been buying insurance in the same company and the same channel for so many years, and they are loyal to old customers.
But is it necessarily good to be a loyal customer?
The big data of the online shopping platform is familiar with this matter, and I think everyone has heard of it, and even has personal experience.
The same goes for car insurance.
After the renewal of the cat sister this year, another company called over, just free, asked a quote, "surprised" to find that it was cheaper...
Although the cat sister did not specifically compare the quotation details given by the other party, but this matter reminded the cat sister, this company, this channel has been used for three or four years, before the renewal next year, we must change a channel, change a company to re-inquire.
Car insurance, needless to say that the quotation of different companies is not the same, even if it is underwritten by the same company, different channels will have different quotations.
Some cat friends feel that 4S channels are the most reliable to buy insurance.
In fact, from the experience of cat sister, whether you are repairing the car, maintenance, you go to be a guest, as long as he has money to earn, and will not look up to you because you are a customer who bought car insurance in his place.
On the contrary, those who are "ripping off customers" now are all aimed at familiar customers.
If you are a high-quality customer and have not been insured for many years, many companies will also use the "independent pricing coefficient" in their hands to make a fuss in order to obtain customers, and report a low price to attract you to the past.
Therefore, "loyal customers" may wish to ask more questions before renewing the policy, there is no harm.
But also pay attention to the inquiry to find the "regular army", do not encounter scammers.
There is also a situation, although it is relatively rare, but also have to be prevented.
If you find that your car insurance premium quotation is abnormal, and you have special trust in a place to repair the car, and you have handed over your documents to them to handle business, it is best to check your claim history.
Because some bad people may use this process to fabricate false accidents to defraud insurance money.
In the end, they took the money to repair the car, but the claims records had to be carried by you.
For example, there were workers in the maintenance plant before, fabricating insurance accidents, opening bank cards with customers' documents, and intercepting insurance premiums.
In addition to paying attention to the number of claims, we should also pay attention to whether the amount of compensation is correct.
Because you obviously practice A, but they report A+B+C... It can also improve the income of car repairs.
Although you don't have to pay for car repairs now, the money paid by the insurance company may eventually become your premium.
Just the rise in the renewal premium of a car insurance has many hidden problems.
If the renewal premium finds that it has risen this year, let's take a seat.