Regarding this insurance premium discount, it is actually a price discount that the insurance company gives to our insured when taking out insurance. After a discount, we will pay less premiums, which can reduce our considerable financial burden!
Let's talk about why there is such a discount. First of all, the status of the insured object, such as the car driving for many years or wearing conditions, etc., can affect the change in the car's premium discount ratio. In addition, if it is an individual to buy insurance or a group of people, if the group is insured and processed in batches, it can give a certain discount. In addition, let’s think carefully about the age, working status of the insured, whether he has suffered misfortunes before and has received claims like this. Let’s first clarify the situation.
Let’s take a look at what levels the discounts are reflected.
First of all, for those long-term customers, for example, if you take out insurance from the same company every year, some can be 50% off! Because people believe in some of your records, we have a relatively stable relationship. Some people will still have unexpected discounts to come after twenty years.
The second is no claim record, which is really necessary. For example, if there is no problem within a year, it may be 30% off next year. This will allow insurers to pay attention to safety factors and actively take measures such as preventing all aspects.
The third story is that if you purchase a high insurance amount, to put it really, if you purchase a high insurance amount, you can still go to discounts from some prices when there are big risks. It is not uncommon for some insurance types to give relative discount strategies.
Then let’s talk about this part in detail through Q&A. Ask what are the common discount levels? Generally speaking, there are big examples of floating between 30% and 50%, especially many insurances such as regular health. But each insurance company has its own logic for its own strategy. For example, when it wants to attract customers of special age groups, its proportion is relatively high and low.
How to calculate the discount? Well, some people use the discount ratio and the original insurance premium to calculate it. It’s easy to know how affordable it is. However, some complex businesses such as installment, which are slightly more troublesome, and you need to refer to the framework of some terms to calculate the specific amount.
Some also pay attention to discounts to enjoy eligibility conditions. Many people actually get ideal discounts when they meet the age category, physical health category, or when their occupational risks are low. Some are strict enough to have no previous cases and even allergies history, so they must be required to be clear about their status.
Will customers also be curious whether these discounts can be obtained all the time? Alas it’s not easy! There are too many changes in the insurance market and the operating risk situation. For example, it is very common to suspend certain customers' specific discounts due to industry situations and other adjustments.
Let’s take a good look here. When buying insurance policies, see if there are any types of services that can be added to strive for the maximum discount and additional terms. For example, some insurance types can be superimposed on discounts, etc. You can really try to get everything you should enjoy.
In comparison, different types of insurance policies have a big difference, that is, the discount logic changes too much in different business types for the same behavior or matter. Here, you have to pay attention to the publicity caliber of the insurance company and gain more favorable resources to us.
Although, in short, I personally feel that when considering various insurances, you should look more carefully at the discounts and strive for more cost-effective investment. After all, in this economic fluctuation, our personal wealth is striving for more benefits in this context, and it is very necessary to provide global procurement services for weak current intelligent products! How to say, try not to waste the possible discount opportunities, etc.! And let’s carefully compare the above knowledge and analyze and compare it, and select the situation that fits your personal ideas. In the future, the premium will be more cost-effective and consider the actual situation.