Which insurance company is better for car insurance?

1. PICC Auto Insurance: a state-owned enterprise with high compensation efficiency

PICC is the only state-owned company among the three companies. It has a high brand influence and the highest annual premium income. , if you want to get out of danger quickly, you can consider PICC.

Because PICC has the largest number of outlets across the country, the time limit for damage determination is fast, and the capital investment is large. The insurance regulations are relatively comprehensive and the scope is relatively wide. Various models, such as cars, trucks, motorcycles and even electric vehicles, PICC has corresponding auto insurance options to choose from, and they can basically pay out. PICC adopts a claims settlement method of "repair the car first, pay later". Although the premium is relatively expensive, it is efficient and the claim settlement speed is very fast.

2. Ping An Auto Insurance: Professional auto insurance, high-quality services

Ping An pays more attention to user experience and provides better services. It adopts a claims settlement method of "pay first, repair the car later" , and is the only company that enables rapid claim settlement and advances car repair expenses within 100,000 yuan. After the auto insurance reform, Ping An has also added 7 free accident rescues and 1 free inspection, which are very convenient for car owners. of.

The better the service, the higher the insurance premium will be. Ping An is also more strict in reviewing claims. For car damage cases of less than 10,000 yuan, there must be no casualties, property damage, and clear liability for the accident. , the claim documents are valid and complete, and it is agreed to go to the Ping An Quick Claim cooperative factory for repairs, etc. If financial conditions permit, you can choose Ping An Auto Insurance.

3. Pacific Auto Insurance: The premiums are lower and more favorable

Pacific is an insurance company that focuses on life insurance, and auto insurance is only its subsidiary business. Therefore, compared with the first two insurance companies, Pacific The premiums for auto insurance are lower. If your financial conditions are limited or you don’t want to spend too much money on auto insurance, you can buy Pacific Auto Insurance. However, because the price is lower, the service and efficiency will be worse than those of PICC and Ping An.