Relatively speaking, the unit car insurance compared to personal insurance for the insurance company for the risk of a little bit, generally speaking, the general view that the unit's car to drive the people are old drivers, so the unit car insurance is cheaper in premiums, in addition to the unit car insurance is also accompanied by spontaneous combustion insurance, the unit car insurance is less than the personal car insurance - a little bit.

One, the company car insurance than personal car insurance what are the differences

1, to the company as a policyholder or driving license is the company's, is a business group car discount program and private car is different, most of the basic have a fixed amount. Private small car is very much in the marketer or car dealerships to buy insurance, some agents if their own commission to earn more, natural car owners insurance becomes expensive;

2, business non-business vehicle insurance commercial insurance part of the rate than the family car some lower, compulsory insurance but slightly higher than the family car. If the party and government agencies or institutions, groups of cars, commercial insurance rates are the lowest, the same as the family car compulsory insurance. If it is a business car, the rate is higher than the above nature of the vehicle are basically high;

3, in addition, if the unit has more vehicles (5-10 units or more), in an insurance company built a fleet of cars, then the new car can also enjoy the fleet discount (up to 70% off), and the family car will not be able to enjoy the preferential regulations and policies.

Second, the company's car insurance and personal car insurance purchase considerations

1, to know yourself and your enemy, to do the "right medicine".

If the vehicle is poor anti-theft, and often parked in the unattended parking lot, should be insured against theft;

2, to reasonably match the types of insurance and limits of liability, to achieve adequate protection. If you are a commuter car, you can choose a limit of 100,000 yuan or 150,000 yuan of commercial third party insurance;

3, to make use of the special terms and risk adjustment factor, saving premiums;

4, to be careful driving, to avoid multiple claims. Insurance terms and conditions and rate regulations have "no-claims preferential treatment and previous year's claims record rate adjustment factor", the previous year or consecutive years of no claims, premiums can be up to 30% discount;

5, to carefully select the sales channels.

Generally speaking, the premiums will be discounted when purchased directly from the insurance company's business outlets, through the insurance company's telemarketing center, or through the e-commerce website.