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做车险,你知道现在是什么行情吗?

  • 2026-05-15 22:23:21
做车险,你知道现在是什么行情吗?
最近报价的多，出单的少，尤其是新能源的车，连交三业务都提示“高风险”了，单交更是线上无法出单，电货报价后基本上车主嫌贵，说我一万的报废车，你收我近一万的保费，你别说，就这保费少一毛钱还出不了单，都是要按营运的车辆算的，很多公司动不动就停单，今天报了一个价格，车主说能不能便宜些？
我直接说你这保费都快一万了，你的预算多少？他说五千，可以的话就出单，我说我再看看，换一家也要8000多，属实满足不了他的心理预期，他说就放家里报废吧，我赞同，互删。
新能源车的家用车，现在很多都“超评分”、“高风险”，更何况这种跑货拉拉的电货，路上一看，几公里就一辆出险的，搞的保险公司都怕了，所以，如今的车险行情真的是保司来挑客户了，今天看到一个群里的傻乎乎的车险代理，去报价，一个渠道说要加费500，她过来找我咨询说，那这单我的提成有多少？都加费了，你要还锤子提成，如今的现状就是如此。
很多同行告诉我说，他们可以出评分不好的车，可以出全国车险，说比其他公司核保宽松，我本不信，说的多了，我发过去试试，结果还是“吹牛逼”的，如今这些号称可以出疑难杂症的就是“江湖骗子”，什么费用高了，低了的，又如何？我出不了的，其他人也出不了，别在我面前吹牛逼了，可以吗？
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  1. CONNECT:[ UseTime:0.000540s ] mysql:host=127.0.0.1;port=3306;dbname=no_mfffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000610s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000298s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000279s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000525s ]
  6. SELECT * FROM `set` [ RunTime:0.000244s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000575s ]
  8. SELECT * FROM `article` WHERE `id` = 535625 LIMIT 1 [ RunTime:0.000388s ]
  9. UPDATE `article` SET `lasttime` = 1778888483 WHERE `id` = 535625 [ RunTime:0.001617s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000269s ]
  11. SELECT * FROM `article` WHERE `id` < 535625 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.003040s ]
  12. SELECT * FROM `article` WHERE `id` > 535625 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000661s ]
  13. SELECT * FROM `article` WHERE `id` < 535625 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001209s ]
  14. SELECT * FROM `article` WHERE `id` < 535625 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001322s ]
  15. SELECT * FROM `article` WHERE `id` < 535625 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001215s ]
0.078572s