Automobile insurance renewal

Where can I renew my car insurance when it expires?

There are two ways to renew:

1. You can go through the renewal formalities directly in the original insurance company.

2. Re-insurance in a new insurance company is also a renewal of insurance, which can be handled at the window of the corresponding insurance company or through telephone auto insurance.

Reasonable selection of update type:

1, if the owner has good driving skills, pays more attention to vehicle maintenance, and can keep no traffic accidents during the insurance period, the value of auto insurance is not high, and the economy is not very rich, then you can choose relatively basic but essential insurance. For example, you can choose the matching purchase method: compulsory insurance+car damage insurance+third party liability insurance+excluding deductible insurance. However, it needs to be clear that the cost is less and the protection is quite limited.

2. If the owner's driving skills are not very exquisite, and some minor accidents are prone to occur during driving, then the owner can increase or decrease the additional insurance coverage on the basis of the basic insurance coverage according to the situation of his car and the security situation of the parking lot. When insuring, try to shop around and compare the insurance items and premiums of various companies comprehensively. Then choose.

3. If the car has been bought for a long time and almost entered the retirement period, it is not cost-effective to take out too much insurance for the car, but this does not mean that it is unnecessary to take out insurance, such as compulsory insurance and third-party liability insurance, which must be renewed to avoid accidents.

The information required for auto insurance renewal mainly includes:

1, 1 copy of driver's license;

2.65438+ 0 copies of the owner's ID card;

3. Last year's compulsory insurance 1 copy;

4. Insurance premium.

Calculation method of automobile insurance premium in the second year:

1. The basic guarantee is: compulsory insurance+third party liability insurance+vehicle personnel liability insurance, mainly to avoid traffic accidents involving third party casualties.

2. The economic guarantee is: compulsory insurance+third party liability insurance+vehicle damage insurance+vehicle personnel liability insurance+theft and emergency rescue+excluding deductible.

3. The comprehensive protection is: compulsory insurance+third party liability insurance+vehicle damage insurance+vehicle personnel liability insurance+burglary insurance+separate glass breakage insurance+excluding deductible+scratch insurance+spontaneous combustion insurance+other personalized additional risks, which comprehensively covers all insurance liability accidents and minimizes losses.

How to renew car insurance?

If you want to renew your auto insurance, please bring your ID card, driver's license, driving license, insurance policy, invoice and other materials to the business hall of the current insurance company.

Or call the insurance hotline of the current insurance company to confirm the relevant information with the insurance personnel, and the salesman will dock with you, handle the relevant documents, and then pay for it.

You can also choose a more convenient way, such as official website insurance or auto insurance APP insurance. Pay online according to the above tips.

Is it better to renew auto insurance in advance?

Insurance companies in the market can renew their insurance up to three months in advance. In order to attract customers, insurance companies have put forward various renewal offers. Many car owners will renew their car insurance for the next year three months in advance as soon as they see the preferential activities.

Usually, the discounts offered by some insurance companies are just gimmicks. Some car owners didn't have an accident last year and should enjoy these discounts next year. Therefore, the owner mainly estimates whether it is really cheap, not necessarily the sooner the better.

There is also a problem that everyone ignores, that is, after renewing the auto insurance in advance, there was a compensation accident in this year, and the accident record was counted in the first year. In fact, it is included in the second year's policy, which will lead to an increase in premiums in the third year.

Can I buy the car insurance when it expires in two days?

1. Vehicles with expired automobile insurance but still in use.

If compulsory insurance and commercial insurance are purchased at the same time and expire at the same time, they are not allowed to go on the road. According to the traffic law, compulsory traffic insurance is compulsory, and you can't drive on the road without buying it. You can renew the compulsory insurance first, and it will take effect immediately. Commercial insurance can take time to go, but it should be noted that you should be careful when driving during the period. In the event of an accident, compulsory insurance may not be enough to compensate, but only to compensate the other party's losses.

In addition, it should be noted that commercial insurance is discounted. If there was no insurance last year, this year's premium can be discounted by 10% to 30%, but it cannot exceed the three-month period, otherwise you will not be able to enjoy the discount.

Second, the auto insurance expires but the vehicle is temporarily not used.

It doesn't matter if the vehicle is not used for the time being, even if you don't pay auto insurance. You should pay attention to the above-mentioned problem of exceeding the preferential period After all, the price difference between the two is quite large, mainly because we have to weigh it ourselves.

Matters needing attention in vehicle insurance renewal.

(1) Multiple insurance premiums or floating insurance premiums

There are two situations when the vehicle has an accident record. One is the premium for compulsory insurance. As various insurance companies have formed a data sharing platform for compulsory insurance, the premium increase is inevitable. Another situation is the renewal of commercial insurance, and it is possible to switch to other companies, and the premium will not rise. However, considering the principle of good faith, car owners must fulfill their obligation to truthfully inform the insurance company.

According to the floating method of compulsory insurance premium rate, car owners can enjoy a certain degree of premium concessions if they have not been out of danger in the previous year, and the premium may rise if the number of accidents is more. If two or more traffic accidents occurred last year, the premium will increase by 10%.

(2) Go directly to the insurance company for renewal.

Previously, in order to compete for the market, insurance companies greatly increased the rate of auto insurance agency channels, and even once increased to about 20% and 30%. Therefore, many car owners tend to insure through intermediaries. With the regulatory authorities stepping up efforts to rectify the auto insurance intermediary market last year, the discounts given by auto insurance intermediaries to car owners have also been greatly reduced.

Therefore, it is still recommended that car owners apply for renewal of insurance directly to insurance companies or through electricity sales, so as to avoid being misled by bad intermediaries, or expanding losses or secondary accidents at black-hearted intermediaries after the vehicle is out of danger; Telemarketing can save time and cost, and at the same time, it can be more favorable than other channels 15%. When renewing the insurance, it is best to ask the insurance company about the accident of your own vehicle, so as to avoid the intermediary agency from concealing the owner and defrauding compensation through the second accident.

[3] "Exit insurance" or increase the premium

Many car owners did not renew their insurance in time, which made their cars in a "streaking" state for a period of time. In this regard, the person in charge said that after the renewal of insurance, "out of danger" may face an increase in rates for more than a certain period of time, and there will generally be certain concessions for early renewal. If the insurance company's auto insurance is renewed within one month of "out of danger", the insurance rate will not rise; However, if it exceeds one month, the rate will rise, because after-the-fact insurance may cause moral hazard. In addition, the car needs to be re-inspected after it is out of danger, which increases the insurance procedures.

It is necessary to insure the car before renewing the car insurance.

[4] Choose insurance according to the age of the car

For new car owners, the first insurance is usually authorized by 4S stores, and car owners lack understanding of the types of car insurance. Here, car owners should be reminded that both security and economy should be taken into account when purchasing auto insurance. Considering that the new car is in good condition and the damage probability is relatively high, it is suggested that the new car with the age of 1 should choose comprehensive main insurance and additional insurance as far as possible, including at least vehicle loss insurance, third party liability insurance, burglary insurance, personnel insurance, glass breakage insurance and scratch insurance, and it is best to insure it in full at the purchase price of the vehicle. However, in the case of a long car age, it is recommended to give priority to third-party liability insurance and vehicle personnel insurance when insuring.

Car insurance is about to expire. How to renew the fee?

1. If the compulsory insurance is not paid on time, the owner may have to pay a certain fine when renewing the insurance. If he drives on the road without compulsory insurance and is found by the traffic police, he still has to pay twice the fee. Therefore, it is more important to pay strong insurance. When the car insurance expires, please renew it. Go directly to the counter of the branch of the insurance company to renew the insurance, and provide a copy of the insurance policy of the previous year and the driving license of the insured motor vehicle. When you need to renew your insurance, you can directly call the official phone of the insurance company to renew your insurance. If you still choose the insurance company to renew your insurance last year, please call the salesperson and explain the license plate number, the owner's name and telephone number. There will naturally be a salesman to handle it, and you can pay. Go directly to the insurance company official website or APP, and enter the vehicle information to renew the insurance. Insurance policies can be handled by themselves or mailed by insurance companies.

2. A well-managed 4S store has certain guarantee. Since many car owners have completed new car insurance in 4S stores, renewing insurance can also avoid some complicated procedures. Another advantage of renewing insurance in 4S stores is that future claims are more secure. If the compulsory insurance is not paid on time, the owner may have to pay a certain fine when renewing the insurance. If he drives on the road without compulsory insurance and is found by the traffic police, he still has to pay twice the fee. Therefore, it is more important to pay strong insurance.

Auto insurance, that is, motor vehicle insurance. It refers to commercial insurance that is responsible for personal injury or property loss caused by natural disasters or accidents. Automobile insurance is a kind of property insurance. In the field of property insurance, automobile insurance belongs to a relatively young type of insurance, which is due to the emergence and development of automobile insurance with the emergence and popularization of automobiles. At the same time, different from modern motor vehicle insurance, in the initial stage of automobile insurance, automobile third party liability insurance is the main insurance, and it is gradually extended to body collision loss insurance. A kind of insurance widely carried out in China is the insurance with motor vehicles such as automobiles, trams, battery cars, motorcycles and tractors as the insurance subject matter. Vehicle insurance can be divided into commercial insurance and compulsory insurance. Commercial insurance includes vehicle main insurance and additional insurance.

How to renew auto insurance?

How to renew auto insurance?

The relationship between insurance premium and the number of vehicle claims;

1) If the vehicle has not been out of danger in the previous year, it can enjoy a discount of 30% or less when renewing the insurance;

2) If there were 65,438+0-2 claims records in the previous year, it will be underwritten according to the benchmark premium, and the auto insurance rate will be increased by 65,438+00%-20% on the basis of the benchmark premium;

3) If there are three claims records in the previous year, the auto insurance rate will rise by 20%-30% on the basis of the benchmark premium;

4) If there are 4 claims records in the last year, the auto insurance rate will increase by 40%-50% on the basis of the benchmark premium;

5) If the vehicle claims more than 5-7 times in the previous year, the auto insurance premium rate will rise by more than 50% on the basis of the benchmark premium, and claims for more than 8 times will be rejected.

In addition to the number of claims, the value of the vehicle will also affect the premium. For example, when the owner renews the insurance, the insurance company will change the insurance amount according to the different depreciation ratio of the vehicle. For example, the insurance amount is insured according to the purchase price of the new car, and the premium will be slightly higher; If the insurance is based on the depreciated value of the vehicle, the premium will be slightly lower.

What should I pay attention to when renewing my insurance?

Under normal circumstances, the effective date of the auto insurance policy is 0: 00 the day after the payment is insured. The period from the expiration of the last policy to the entry into force of the next policy is a gap period. If the gap policy does not take effect, the insurance company will not pay. So renew the insurance in advance to avoid the "gap period"

Materials required for PICC auto insurance renewal

Please prepare the identity cards, vehicle driving licenses, compulsory insurance policies and commercial insurance policies of the previous year and the corresponding amount of insurance premiums of the insured and the insured. The company also needs to provide the organization code certificate of vehicle insurance. However, different channels may need different materials to renew insurance, and the complexity of basic insurance time and insurance types is also different. You can directly consult the staff of the insurance channel.

How to renew the auto insurance when it expires?

There are several ways to renew automobile insurance.

1. The insurance business hall is being updated. Bring all relevant information: ID card, driver's license and driving license. People who have not been insured in the past can also bring insurance policies, insurance policies and invoices so that they can enjoy the rate policy. Business vehicles bring copies of business licenses, permits and other documents to the business hall of the insurance company, and ask the staff to renew the insurance.

2. Telephone car insurance renewal. According to the regulations of China Insurance Regulatory Commission, there is a discount of 15% for private car commercial insurance. Call the interested insurance company and tell it the engine number and personal information. After confirming the information, the insurance company will send business personnel to the place negotiated in advance for follow-up procedures.

3. Online renewal It is true that it is a safer way to apply for insurance in the business hall or business personnel, but it takes some time to complete the relevant procedures. With the rise of auto insurance online sales, online insurance has also become one of the main insurance methods, and it is safe to complete insurance. According to the tips on the web page, you can quickly complete the renewal by entering relevant information, and the preferential forms are also very rich. Usually it's telephone charges, oil cards, shopping vouchers, etc.

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First, when insuring auto insurance, don't just pay attention to the low price of auto insurance, but think twice about the insurance company with low quotation, because the discount is actually "conditional". To evaluate the service strength of an insurance company, we can see the following points: auto insurance transaction rate, transaction cycle, adjuster skills, insurance claim service quality index, whether the claim settlement agency covers the second, third and even small towns, etc. Once an accident happens, we can guarantee to arrive at the scene in a short time and help deal with the accident ... Basic auto insurance, also called basic auto insurance, belongs to the category of motor vehicle insurance. Basic auto insurance includes compulsory insurance, third party liability insurance and vehicle loss insurance.

Second, the main insurance refers to the insurance that can be insured separately. Additional insurance refers to the types of insurance that cannot be insured and underwritten separately, but can only be attached to the main insurance. When the effectiveness of the main insurance is terminated or suspended due to invalidity, termination or expiration, the effectiveness of the additional insurance will also be terminated. The insured can only choose insurance according to their own needs on the basis of basic insurance. The relationship between basic insurance and additional insurance is the relationship between main contract and supplementary contract. That is, the basic insurance clauses are the main contract, and the corresponding additional insurance clauses are the supplementary contracts of the main contract. There is a relationship between them, and the existence of supplementary contract depends on the existence of main contract. The main contract can usually be closely related to the supplementary contract, but not attached to the supplementary contract. The relationship between the main contract and the supplementary contract is that the matters not covered in the supplementary contract shall be subject to the main contract, and the conflicting parts shall be subject to the supplementary contract. The so-called "unfinished matters" refer to the contents not agreed in the supplementary contract but agreed in the main contract, while "conflict" refers to the opposite provisions of the basic insurance and additional insurance on the same matter. In this case, additional insurance can be implemented according to the provisions of the clause.

How to renew your auto insurance?

Common renewal methods of automobile insurance;

1, offline purchase: the owner carries the driving license, ID card and other relevant documents to the insurance company's business outlets or the 4S shop where the car is purchased.

2. Telephone purchase: Call the service number of the insurance company, provide relevant information, and renew the insurance according to the tips of the customer service staff.

3. Online purchase: You can log in to official website, an insurance company or a third-party platform to purchase auto insurance, click to enter the policy details page and select insurance.

Matters needing attention in purchasing automobile insurance

First, don't insure again.

Car owners should avoid repeated insurance when applying for auto insurance. Some car owners may think that they are more likely to get out of danger in a certain aspect, so they will apply for this kind of insurance repeatedly, thinking that they can get repeated compensation.

Actually, this kind of thinking is wrong. Even if the owner has repeatedly insured a type of insurance, he will not get too much compensation when making compensation.

Second, don't be over-insured or under-insured.

Some car owners obviously have a vehicle value of 6.5438+10,000 yuan, but they have insured 6.5438+500,000 yuan, thinking that they can pay more if they spend more money. Some cars are worth 200,000 yuan, but they are insured for 6,543,800 yuan. Neither of these two insurances can be effectively guaranteed.

According to Article 39 of the Insurance Law: "The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess is invalid. If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation according to the proportion of the insured amount and the insured value. " Therefore, neither over-insurance nor under-insurance can obtain additional benefits.

Third, insurance should preserve its value.

In order to save premiums, some car owners want to insure less risks, or only car damage insurance, not third-party liability insurance, or only main insurance, not additional insurance, etc.

In fact, all types of insurance have their own insurance responsibilities. If the vehicle really has an accident, the insurance company can only assume the insurance liability to compensate according to the insurance contract originally concluded, and some other losses of the owner may not be compensated.

Fourth, update in time.

Some car owners can't renew their insurance in time after the insurance contract expires, but something unexpected has happened. It's not too late to regret if there is an accident in the vehicle these days.

Five, to carefully review the insurance documents.

When you receive the insurance document, you must carefully check whether the third document is printed on white carbonless carbon paper with a light brown anti-counterfeiting background, whether the words "Supervision by China Insurance Regulatory Commission" are printed in the upper left corner and whether the words "Sales only in XX Province" are printed in the upper right corner. If not, you can refuse to sign the bill.

Six, pay attention to the authenticity of the audit agency.

When applying for insurance, you should choose a subsidiary of an insurance company approved by the state. You can't just find an insurance agency to apply for insurance, and you can't be tempted by the so-called "high return". You just want small profits and are fooled by fake agents.

Seven, check the policy.

After completing the insurance formalities and getting the original policy, you should check the items listed in the policy in time, such as license plate number and engine number, and correct any mistakes and omissions immediately.

Eight, carry the insurance card with you.

The insurance card should be accompanied by insurance.

Nine, remember the expiration date of insurance, and renew the insurance in advance.

Ten, pay attention to the "cheat" trick of Mo Sheng.

Eleven, the definition of the third party in auto insurance, should exclude family members.