How to buy a car in Ping An
In recent years, with the continued heating of the automobile consumer market, buying a car has become an important decision for many families. How to ensure safety and worry-freeness in the process of buying a car has become the focus of consumers' attention. This article will combine popular topics and hot contents on the entire network for the past 10 days to structure the key steps and precautions for Ping An’s car purchase.
1. A list of popular car purchase topics (next to 10 days)
| Ranking | topic | Popularity index | Core concerns |
|---|---|---|---|
| 1 | New energy vehicle subsidy policy | 9.8 | Local subsidy amount and vehicle model list |
| 2 | Used Cars' Pit Avoidance Guide | 8.7 | Identification and value retention rate of accident cars |
| 3 | Auto insurance purchase skills | 7.9 | Three-liability insurance coverage, additional insurance |
| 4 | 4S store negotiation talk | 7.5 | Gift strategy, financial plan |
| 5 | Self-driving safety controversy | 6.4 | Level 2 function test data |
2. Ping An car purchase full process guide
1. Budget planning
Recommended to follow"3-3-3 Principle": The car price shall not exceed 3 times the annual income of the family, the down payment shall not be less than 30%, and the monthly payment shall not exceed 30% of the monthly income. The popular budget intervals are as follows:
| Budget range | Recommended car model types | Average annual cost of insurance |
|---|---|---|
| 100,000-150,000 | Domestic compact sedan | 4000-5000 yuan |
| 150,000-250,000 | Joint venture SUV | 5000-7000 yuan |
| 250,000+ | Luxury Brands/New Energy | 8000-12000 yuan |
2. Channel selection security points
•4S store: Check the dealer qualifications (industrial and commercial registration + brand authorization)
•Used car platform: Requires a complete inspection report (requires maintenance records)
•Online car purchase: Confirm the delivery terms (refund rules, delayed compensation)
3. Contract review focus
| Terms Type | Risk warning | Response Plan |
|---|---|---|
| Vehicle information | The frame number/configuration does not match the actual car | Comparison of nameplate on site |
| Additional fees | Hide service fee | Requirement details list |
| quality assurance | Fuzzy warranty scope | Clarify the list of parts |
3. Safety comparison of popular models (2023 latest)
| Car model | C-NCAP Rating | Active security configuration | Complaint rate |
|---|---|---|---|
| BYD Song PLUS | ★★★★★ | Full speed domain ACC+AEB | 0.8% |
| Tesla Model Y | ★★★★☆ | Autopilot 3.0 | 1.2% |
| Honda CR-V | ★★★★★ | Honda SENSING | 0.5% |
4. Risk prevention for financial solutions
Recent complaints:
1."Zero Interest Rate"Trap (disguised handling fee)
2. Missigning of financial leasing contracts (disputed ownership)
3. Early repayment penalty (generally 3%-5% remaining principal)
Comparison of suggested plans:
| Loan Type | Average interest rate | Recommended group |
|---|---|---|
| Direct bank loan | 3.8%-4.5% | Those with good credit report |
| Manufacturer Finance | 0%-2.99% | Short-term turnarounder |
| Third-party financing | 6%-8% | Secondary credit reporter |
5. Latest suggestions for insurance purchase
After the auto insurance reform in 2023, the focus will be on:
•Three liability insurance: The recommended insured amount is ≥2 million (the death compensation standard has increased)
•Medical insurance topical medicine: New additional insurance (covering 30% of self-paid drugs)
•New energy vehicle insurance: Must-choose external grid loss insurance
Through the above structured data analysis, I hope to help you achieve"Peaceful car buy"full process guarantee. It is recommended to check the recall records of the target vehicle model through the "Defect Product Management Center of the State Administration for Market Regulation" website before purchasing the car, and finally make rational decisions based on your own needs.
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