比較購(gòu)買促進(jìn)了汽車保險(xiǎn)業(yè)的競(jìng)爭(zhēng)

現(xiàn)在，要比較兩家汽車保險(xiǎn)公司所提供的價(jià)格是非常容易的。在過去，消費(fèi)者需要一家一家地?fù)艽蚱嚤ｋU(xiǎn)公司的電話，去填一堆不同的申請(qǐng)表格，然后漫長(zhǎng)地等待各家公司的報(bào)價(jià)。與此相對(duì)，現(xiàn)在有一些公司，如美國(guó)前進(jìn)保險(xiǎn)公司（Progressive）和AllQuotesInsurancecom公司等，它們只要求顧客填寫一份申請(qǐng)，然后就可以直接比較各家公司的汽車保險(xiǎn)條款和價(jià)格了。這類公司向顧客提供有關(guān)價(jià)格的信息，然后將其同顧客已有的其他公司的條款和價(jià)格進(jìn)行比較。一般來說，顧客最終得到的價(jià)格都會(huì)比現(xiàn)在的價(jià)格更合算。如果公司所提供的價(jià)格較高的話，那么公司就會(huì)解釋這樣的問題：“價(jià)格高在哪里？為什么高？”在美國(guó)前進(jìn)保險(xiǎn)公司的網(wǎng)站上，顧客不僅可以比較各家公司所提供的價(jià)格，而且可以比較各家公司所提供的服務(wù)及其質(zhì)量，如圖4—1所示。美國(guó)前進(jìn)保險(xiǎn)公司甚至?xí)蝾櫩吞峁└鱾€(gè)競(jìng)爭(zhēng)對(duì)手的網(wǎng)址。這些行為最終贏得了顧客的信任，同時(shí)也反映出更多競(jìng)爭(zhēng)和公開透明的對(duì)比信息這一現(xiàn)實(shí)。

HideHideHideHideHideHideStability and Size of Company

（banck to top）Progressive

Direct State Farm AllstateFarmersGEICOLiberty

MutualAM Best ratinaA+*A++A+AA++AState market share for auto (2003)30%*145%87%104%29%08%National market share for auto

(2003)68%*192%111%52%51%24%*Ratings and market share percentages represent two specific brands Progressive Direct and Driva Insurance from Ptogressive By itself Progressive Direct represents tanth largest auto insurance group of companies in the countryEase of Purchase

(back to top)Progressive

Direct State Farm AllstateFarmersGEICOLiberty

MutualAre online quotes avaliable?YesYesYesYesYesYesDoes the Web site provide rates for other bigname insurance companies?YesNoNoNoNoNoCan policles be purchased online?YesYesNoNoYesNoCan policies be purchased through a

tollfree number 24 hours a day, 7

days a week?YesNoNoNoYesNoCan payments be made in installments?YesYesYesYesYesYesCan policies be purchased using

a credlt card?YesYesYesNoYesNoEase of Customer Service

(back to top)Progressive

Direct State Farm AllstateFarmersGEICOLiberty

Mutualis there a customer service tollfree number available 24 hours a day,7 days a week?YesMust call local

agentYesYesYesNoCan you make an instant policy

change online?YesNoNoNoYesYesCan payments be made online?YesYesYesYesYesYesEase of Claims

(back to top)Progressive

Direct State Farm AllstateFarmersGEICOLiberty

MutualCan claims be reported 24 hours a day,7 days a week via a tollfree number?YesMust call local

agentYesYesYesYesCan ciaims be reported online?No(why?)YesYesYesYesYesCan claim status be tracked online?YesNoYesYesYesYesDoauthorizedrepairfacllitiesguarantee

repairsforaslongasIownmy car?YesYesYesYesYesYesAccess

(back to top)Progressive

Direct State Farm AllstateFarmersGEICOLiberty

MutualWeb site addressprogressive

comstatefarm

comallstate

comfarmers

comgelco

comlibertymutual

comTollfree number1800

PROGRESSIVEMust Call

local agent1800255

78281888490

28011800861

8380Cilck for infoProduct Lines

(back to top)Progressive

Direct State Farm AllstateFarmersGEICOLiberty

MutualWhat other personal products

are avallable?Motorcycle

ATV

Boat/PWC

Motor Home

Travel Traller

RV

Segway HTMotorcycle