Earn hundreds of dollars a vehicle insurance policy
Car insurance market more competitive, more transparent prices, a vehicle insurance agents, said it makes a transparent price auto insurance policies can earn hundreds of dollars, so more and more people left the industry.
Prices more transparent
"Now the price of auto insurance more transparent, as long as a check in online, can be found in roughly the price." Engage in auto insurance agent, a Mr. Shen told reporters, now Nanjing Automobile Insurance Market was very intense, 20 points more than car insurance company Nanjing Automobile Insurance Market food. Among them, 23 major auto insurance companies to auto insurance business accounted for about 70%, other insurance companies, ranging from sub-scale of the remaining 30% of the fresh car insurance market.
Shen agents told reporters earlier this year, when competitive auto insurance market, auto insurance discounts, and also beat Wu Zhe Wu Zhe below. Now transparent, and generally, whether big or small companies, the minimum can play Qizhe, then low to do it.
Reporter in a small camp near several auto insurance companies understand that, at present, the Nanjing market various insurance companies offer some of the major risk differences, and additional risks are not the same, but compared with the previous, more and more smaller discount , prices more transparent. Companies be in strict accordance with the requirements of the CIRC, the implementation of vehicle insurance, 7 fold, "bottom" price.
Shrinking profit margins
This reporter learned that, in general, a car insurance commission in the 200-400 yuan, but it is because the rates are more and more people know, so the cost will be a lot of owners required to continue a discount final agency personnel only tens of dollars to stay.
Small business insurance company car insurance agents nearby Majing Li told the reporter, and now more and more transparent pricing auto insurance, the insurance agent for each run, the profit per policy less and less.
Majing Li told reporters, because auto insurance profit margins become smaller and smaller, so many gathered in the auto insurance industry before the agents have switched to other trades. His team has gone more than half of the people.
This reporter learned that, even if the discount auto insurance market has been less and less theory, fewer and fewer auto insurance discount, no doubt increased premium income of insurance companies, but from the front view of a quarter of the loss ratio , auto insurance is still at a loss edge.
Car insurance a threshold
Reporter found that in the actual insurance, Nanjing major insurance companies are set on the private car insurance threshold. Press survey found that almost all insured vehicles, the company has some "special" requirements.
"A lot of special requirements, our agents are not sure." A auto insurance agent sales staff told reporters, "For example, an insurance company for 5 yuan 1,000 yuan deductible vehicle settings, the last there Alto clients to insurance, in a single before the insurance company told her after an accident less than 1,000 yuan and the costs to themselves, we know all about love. "
The agency staff said other companies also have "special" restriction. For example, the insurance company insuring the vehicle models are required: QQ, Geely and other vehicles, some insurance companies ask only for private cars within 2 years, and set the absolute 500 deductible; the carnival, red and other vehicles private car, in a few insurance companies, premiums can only play 9 fold.
It is learned that the insurance company this "special" requirements, from a period of time before the loss ratio calculation. "Insurance company that a certain type of vehicle, he does not want security, will set the deductibles, premiums and other means to improve the ‘Decline’." It is understood that in January this year so far, the staff had come across no less than 20 cases of clients from the "threshold" higher instances of switching to other insurance companies.
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