Insurance premium discounts are very popular in the insurance issue areas that consumers are concerned about, and many people are asking about it everywhere. For example, people are eager to figure out what this insurance premium discount is and how can they get this discount? So, let’s think about insurance premium discounts now.
Let’s first talk about how this insurance premium discount is made. Non-indemnity benefits are often mentioned in the insurance industry. That is to say, if you buy an insurance and have not had any claims in this specific year, the insurance company will generously give you a certain discount as a reward when renewing the insurance. This means that you can get the same protection as before with less money. It is more cost-effective. If you act with the attitude of trying to maintain the 0 claims in the insurance year, it will be easier to get this preferential discount for no compensation. For some more expensive insurance, saving is not a small amount of money. But many people don’t know how to avoid claiming… Say hello, some insurance companies have issued regulations saying that if there is no claim in the first insurance year, there will be a discount in the second year. If you continue to buy in this company for multiple consecutive years and continue to keep claiming, the discount will be increased. In this way, you will pay less and less money in the future and have a lot of protection. So how can we ensure that unnecessary claims are reduced
Let's take it out one by one and talk about the skills:
1. Maintain good records, abide by the details in the contract, and protect individuals, family members and various insurance subject matters from all aspects
2. Understand the contractual provisions in detail to prevent misunderstandings and inadvertently causing the reasons for claiming. Doing this may really affect the discount. If everyone fully grasps the connotation of the regulations, it will be much smoother in many business scenarios…
Selecting the type of insurance package during the insurance purchase stage is also a key point:
1. Some comprehensive insurance packages are very affordable. If we can cover multiple types of risks at one time, only involve multiple insurances under one contract. This package is likely because the overall nature will be less than the cost of purchasing each item separately.
2. If the insurance company particularly favors this behavior, you can ask the people or friends at home to see if they invest in the same company as you. If you can buy collectively with more people, the price of joint purchase is quite different from buying individually…
Let’s talk about age and many age groups will also give different discounts.
1. It is usually not easy to get discounts under younger ages – insurance companies feel that young people's risk factors are not fully reflected or some unexpected experiences are not comprehensive. In some auto insurance, young drivers may not be able to get much discount. Like a motorist under 25 years old. Young drivers will be less reassuring about issues such as timely response and experience.
2. There are also discounts for older people, for example, for elderly people in their sixties. Many insurance companies will launch discounted product packages specially for the elderly. The specific situation is complicated due to different types of insurance. For example, accident insurance
Some people ask: "How to make insurance products more cost-effective! Is there any other way besides no compensation preferential treatment? Is it possible that small insurance companies have more discounts!"
This needs to be explained in detail. There are differences in pricing for insurance companies of all sizes. If it is not small, it must have an advantage. When an insurance company sets a price, it must first consider many factors. Large companies are usually stronger and can attract many customers by relying on brands and comprehensive services in market competition. You won’t spend too much energy on price competitions so excessively, and the pricing should be relatively stable. But small insurance companies are more willing to lower insurance premium pricing to attract customers if they want to grab share in the market – sometimes pricing strategies are more flexible. This is not guaranteed. Every situation will change because its risk coefficient is different…
There are also questions from consumers that need to ask: Is household joint insurance cost-effective? This kind of risk can be done together
The answer is that the large-scale insurance type that is combined is quite good and worthy of advocacy. The main reason is that the overall risk has been viewed together and the cost has been shared. Considering your various family insurance needs and uncertainties as a whole, you can get a significant cost advantage over those insurance types that you buy…
On the other hand, from the perspective of marketing and other aspects, the competition stage of each company is different. When there are more competitors in the market, the price competition will intensify, so there will be more discounts.
Insurance companies will also do various promotion and promotion plans in each period. The insurance period is just during the promotion period, for example, during the promotion period of new products, we can take advantage of it.
Overall, if we are smarter and understand the personal risk characteristics and then choose the insurance type suitable for our specific situation, it is very pleasing to do so. If you can get more insurance discounts, you can enjoy better services without high costs. This is a good thing. Anyway, I feel that I have a serious understanding and then choose an insurance discount plan based on the actual situation. I will benefit myself a lot.
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