The invention discloses a product data pushing method and device, computer equipment and a storage medium. The method comprises the steps of judging whether the working state of a vehicle has changedor not; obtaining real-time environmental parameters of the vehicle if the working state of the vehicle has changed; calculating the real-time risk coefficient of a vehicle insurance type associated with the changed working state of the vehicle according to the real-time environmental parameters; calculating a cumulative value of the real-time risk coefficient of the vehicle insurance type withina specified period; and determining to purchase the vehicle insurance type if the cumulative value is greater than a risk threshold of the vehicle insurance type. When the cumulative value of the real-time risk coefficient of the vehicle is low, the insurance applicant can pay less or no vehicle insurance fee, thereby helping the insurance applicant to save the cost; and when the cumulative valueof the real-time risk coefficient of the vehicle is high, the insurance applicant can timely purchase the corresponding insurance type, thereby providing comprehensive insurance services for the vehicle, and providing a guarantee for the vehicle.