How to renew auto insurance: Popular topics and practical guides on the entire network
With the arrival of the auto insurance renewal season, many car owners have begun to pay attention to how to complete renewal efficiently and save money. This article will combine popular topics and hot content on the entire network for the past 10 days to provide you with a structured guide to renewal auto insurance to help you easily cope with the renewal process.
1. Popular topics on auto insurance renewal on the entire network
Through data analysis of social media and news platforms in the past 10 days, the following are the topics of auto insurance renewal that car owners are most concerned about:
| Ranking | Hot Topics | Discussion hot topic |
|---|---|---|
| 1 | Auto Insurance Renewal Promotion Tips | 85% |
| 2 | How to compare prices and choose the best solution | 78% |
| 3 | Guide to using electronic policy | 65% |
| 4 | Things to note when renewing new energy vehicle insurance | 52% |
| 5 | Selection of renewal time node | 45% |
2. Guide to the process of renewal of auto insurance
1.Plan the renewal time in advance
It is recommended to start preparing for renewal 30-45 days before the policy expires to avoid missing out on discounts due to tight time. Data shows that car owners who renew insurance in advance can save an average of 15%-20%.
2.Vehicle information verification
| Information needs to be checked | Things to note |
|---|---|
| Vehicle usage nature | Household/operation required to be filled in accurately |
| Mileage | Affects some insurance premiums |
| Vehicle modification situation | We need to inform the insurance company truthfully |
3.Insurance selection strategy
According to the latest statistics, the proportion of insurance combinations selected by car owners in 2023 is as follows:
| Insurance combination | Select ratio | Suitable for the crowd |
|---|---|---|
| Compulsory traffic insurance + car damage insurance + three-part insurance | 42% | Most car owners |
| All insurance (including additional insurance) | 28% | New or high-end car owners |
| Basic combination (compulsory traffic insurance + three-part insurance) | 25% | Old car or limited budget owner |
| Other special combinations | 5% | Special needs car owner |
4.Recommended price comparison channel
According to consumer feedback, the following are the main channels and characteristics of renewal and price comparison:
| Price comparison channel | Advantages | Limited |
|---|---|---|
| Insurance company official website | Official guarantee, accurate information | Need to query one by one |
| Third-party price comparison platform | One-stop comparison | Service fees may be charged |
| Insurance Agent | Personalized service | Possibly recommend specific products |
| 4S store renewal | Convenient and fast | The price may be higher |
5.Use of preferential policies
Current renewal benefits provided by mainstream insurance companies include:
| Discount Types | Discount range | Obtain the conditions |
|---|---|---|
| No claims discount | Up to 30% | No compensation for many years |
| Early Bird Discount | 5%-15% | Renewal of insurance 30 days in advance |
| Multiple insurance combination discount | 10%-20% | Purchase multiple insurance types at the same time |
| Online renewal discount | 5%-10% | Renewal through official website or APP |
3. Special tips for renewal of new energy vehicle insurance
As the number of new energy vehicles increases, special attention should be paid to renewal:
| Things to note | Traditional fuel trucks | New energy vehicles |
|---|---|---|
| Battery protection | Not involved | Need to confirm whether the battery insurance is included |
| Charging pile responsibility | Not involved | It is recommended to attach a charging pile liability insurance |
| Repair cost | Relatively transparent | May be higher, affecting premiums |
4. Things to note after renewal
1. Check the electronic insurance policy in a timely manner. It is recommended to print a copy with you.
2. Confirm the effective date of the insurance to avoid the protection gap
3. Understand the latest service policies of insurance companies, such as road rescue scope, etc.
4. Save relevant certificates and communication records for renewal
Through the above structured guide, I believe you have a clearer understanding of auto insurance renewal. By rationally planning, comparing multiple parties, and making good use of discounts, you can complete the renewal of auto insurance with the best plan and provide comprehensive protection for your car.
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