保险业将产生自由竞争机制，价格才会下降，保险服务质量会更好。
When insurers compete for consumers, prices will fall and quality will improve.
两款价格相差几十至上百元，看上去类同的产品，可能在涵盖的保险类别、提供的硬件、服务质量、应急保障上有区别。
Two the price differs a few hundred dollars, looks similar products, may be covered in the insurance category, provide the hardware, service quality, emergency support has distinction.
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