Ask professional insurance professionals (mainly auto insurance): What is the difference between the sales methods of electric sales, online sales and traditional car dealer channels? What are their a

Ask professional insurance professionals (mainly auto insurance): What is the difference between the sales methods of electric sales, online sales and traditional car dealer channels? What are their advantages? Hello!

The following provides you with a comparison of the advantages and disadvantages of major auto insurance channels. You can carefully choose the appropriate auto insurance method according to your own situation:

Channel 1: 4S shop agent insurance

Recommended index: ★★★☆☆☆

It is very convenient for the owner to buy the vehicle through the dealer and directly insure it in the store. When insuring auto insurance, the role of 4S shop is actually an insurance agency. After the accident, 4S stores can help car owners make related claims, and some 4S stores will provide some extra services to attract car owners to take out insurance.

Disadvantages: the premium fluctuates greatly, and the insured enjoys limited rate concessions.

Comments: Suitable for car owners who are not sensitive to price, and new car owners have more choices.

Channel 2: Professional insurance intermediaries act as insurance agents.

Recommended index: ★★★☆☆☆

Because some insurance agencies can represent multiple brands at the same time, car owners can usually "shop around" when they apply for insurance through insurance agencies such as repair shops.

Disadvantages: the rate concessions are opaque, and the cost of insurance for car owners is higher than that of direct sales channels. If the owner encounters some illegal intermediaries, he will breach the contract and misappropriate the customer's premium privately.

Comments: Although the agent can help to complete some follow-up services, it has certain risks. At present, the direct sales channel services of most auto insurance companies include perfect follow-up services.

Channel 3: Business Hall Insurance

Recommended index: ★★★★★☆.

Going to the business hall for insurance can avoid being misled and deceived by some illegal intermediaries.

Disadvantages: car owners need to go to the door to handle business, and the time and transportation costs are high.

Comments: The most "primitive" insurance method is suitable for cautious car owners.

Channel 4: Buy auto insurance online.

Recommended index: ★★★★★★★

Buying auto insurance online saves the intermediate cost of the agency link and directly benefits consumers. Consumers can enjoy the same or more services as traditional channels, and enjoy the discount of traditional channel providers 15%, with the highest comprehensive cost performance.

Disadvantages: There are many phishing websites with uneven quality.

Comments: To buy auto insurance online, please go to official website, a major insurance company, or a third-party website with the qualification of online insurance sales of CIRC.

Channel 5: Telephone auto insurance

Recommended index: ★★★★★★★

Disadvantages: With the increasing popularity of telephone auto insurance in the market, some criminals pretend to be insurance salesmen to defraud car owners.

Comments: In recent years, the market recognition rate of telephone auto insurance has been rising.