When your car insurance is about to expire, why do insurance companies ask you to renew it in advance?

I believe that many friends now have this experience, that is, when they buy a car for the first time, they usually buy insurance in a 4S store. When the two months are about to end, there will be calls from various insurance companies every day urging you to buy insurance.

There are not only some big insurance companies, but also some unknown small insurance companies. So why do they have your phone number? I don’t know how they got it. After all, there are no individuals in the era of big data. privacy. Do you know why you are urged to buy insurance in advance? 1. Competition among various insurance companies

We all know that many of the products of today’s insurance companies tend to be homogeneous, and their differences are not particularly big, so sales The competition will be very fierce, so in order to gain an advantage, these salesmen will not miss any opportunity, so our car owners will often receive calls or messages reminding them to renew their insurance. 2. Avoid insurance gaps

This is actually a guideline for car owners. In order to avoid the expansion of risks, insurance companies now allow car owners to reduce risks. For example, after the insurance is renewed, the number of accidents will be recorded on the renewal, not in the car insurance record of the previous year. Because in this way, the risk can be spread as evenly as possible, thereby reducing losses.

In fact, many car owners now forget when they bought the insurance in the previous year, or they may only remember the approximate month of their insurance, then they must have forgotten the specific time, so if If something happens to us on the road after our car insurance is released, then the gain will definitely outweigh the losses, so I would like to remind the owner of the car in advance that he must apply for the next insurance before the previous one expires, so as to avoid the intermediate There is a release period.

When it comes to buying insurance, in fact, many car owners will choose and compare multiple options. This will take some time to consider, but if you only renew the insurance one or two days in advance, it will not only be handled It is relatively hasty, so if some car owners encounter a shortage of funds, they can be reminded in advance, so that the car owners can plan their funds in advance.