How much will it increase in the second year after applying for glass insurance? Whole-network hotspot analysis and structured data
Recently, the discussion about car insurance premiums has become a hot topic, especially the issue of premium adjustment for glass insurance has attracted widespread attention. Many car owners find that their premiums increase in the second year after purchasing glass insurance, but the specific increase varies by region, insurance company and vehicle conditions. This article will combine the hot content on the Internet in the past 10 days to provide you with a detailed analysis of the reasons and specific data for the increase in glass insurance premiums.
1. The main reasons for the increase in glass insurance premiums
1.Impact on claims records:If a car owner uses glass insurance to make a claim in the first year, the insurance company will consider the car owner to be a higher risk, so the premium will increase in the second year.
2.Insurance company policy adjustments:Some insurance companies will adjust premiums based on market conditions and loss ratios, causing overall premiums to rise.
3.Vehicle value changes:Premiums are calculated differently for new and used cars, and a drop in vehicle value may result in an increase in the premium percentage.
2. Glass insurance premium increase data in the second year
The following is the second-year premium increase data of glass insurance compiled by the entire network (taking common car models as examples):
| insurance company | No claim increase | There is a claim increase |
|---|---|---|
| PICC | 5%-10% | 15%-25% |
| Ping An Insurance | 3%-8% | 20%-30% |
| Pacific Insurance | 4%-9% | 18%-28% |
| Continent Insurance | 6%-12% | 25%-35% |
3. How to reduce the impact of rising glass insurance premiums?
1.Be careful in making claims:For small glass damage, you can consider repairing it at your own expense to avoid a sharp increase in insurance premiums due to small claims.
2.Compare multiple insurance companies:Different insurance companies have different premium adjustment policies. Car owners can compare quotes from several companies before renewing their insurance.
3.Choose a high-deductible plan:High deductibles usually correspond to lower premiums and are suitable for car owners with rich driving experience and better vehicle usage conditions.
4. Supplementary hot topics on the entire network
In addition to the issue of glass insurance premiums, the entire network has also been discussing the following hot topics in the past 10 days:
1.New energy vehicle insurance costs rise:Due to the high maintenance costs of new energy vehicles, some car owners have reported significant increases in insurance premiums.
2.Insurtech applications:Many insurance companies have launched smart pricing systems to dynamically adjust premiums based on car owners’ driving behavior.
3.Regional premium differences:The premium gap between first-tier cities and third- and fourth-tier cities has further widened, triggering heated discussions among car owners.
5. Summary
The premium increase for glass insurance in the second year varies depending on the insurance company and claims records, but is generally between 5% and 35%. Car owners can reduce the impact of rising premiums by carefully settling claims and comparing quotes. At the same time, it is recommended to pay attention to the dynamics of the insurance industry and adjust insurance strategies in a timely manner.
The above data is for reference only. The specific premium is subject to the actual quotation of the insurance company.
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