What to buy car insurance for the second year

The analysis is as follows: 1. Buying car insurance in the second year belongs to car insurance renewal, at this time, it should be noted that the renewal should be timely, look at your first year policy, clarify the expiration time of the insurance, and do not miss the deadline.

2. The "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" stipulates that when renewing car insurance, compulsory traffic insurance is still insured, which is a compulsory insurance and must be bought.

3. According to the "Road Traffic Safety Law of the People's Republic of China", in commercial auto insurance, third-party liability insurance must be insured, and it must be fully insured, especially in large and medium-sized cities, and the insurance amount should not be less than 500,000.

4. According to the "Insurance Law of the People's Republic of China", you need to buy car damage insurance, which must be passed through many cars on the road now, and accidents are easy to occur, and the loss can be passed on to the insurance company by insuring car damage insurance.

5. If the parking location is relatively safe, theft insurance can be considered as appropriate, and it can not be insured.

In addition to the compulsory traffic insurance, you can consider purchasing car damage insurance, third-party liability insurance, and other additional insurances such as deductible insurance, theft insurance, and glass insurance if conditions permit.

1. Compulsory traffic insurance is mandatory for the state;

2. Vehicle damage insurance: When an accident occurs and the vehicle is lost in whole or in part, the insurance company can give the owner economic compensation according to the insured amount to reduce economic losses;

3. Third-party liability insurance: When a traffic accident occurs during the use of the vehicle, resulting in personal or property losses to the third party on the vehicle, the insurance company can be responsible for economic compensation for the purchase of third-party liability insurance;

4. According to the driving condition and parking environment of the vehicle in the first year, you can selectively consider purchasing accessory insurance such as deductible insurance, theft insurance, glass insurance, etc., such as the owner of a fixed garage or safe parking place every day, you can consider not buying theft insurance.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Many novice friends don't know which ones to choose for the second year of insurance for their cars, these items must be bought, and the others can not be bought, otherwise you will lose a lot.

2.Type of Guarantee:

3.The first compulsory insurance (RMB), such as car damage insurance, crew liability insurance, theft insurance, and glass break insurance, cannot find a special exemption insurance.

4.Some cars choose this combination. Suitable for new car newbies and those who need full protection.

5.Basic type:

6.Commercial insurance (RMB), car damage insurance and driver liability insurance are exempted.

7.Some cars choose this combination. It is suitable for vehicles that have been used for a long time and are willing to bear some of the risks themselves.

8.Affordable:

9.Commercial Insurance (RMB) Deductible.

10.Some cars choose this combination. It is suitable for vehicles that are old and skilled in driving, and are willing to take most of the risks themselves.

11.Risk Type:

12.Buy only compulsory traffic insurance. For accidents only, the maximum compensation is RMB, the hospitalization compensation is RMB, and the property damage compensation is frank.

However, the compensation for death in a car accident should be far from the cost of hospitalization and vehicle damage. And you'll have to pay for the damage or theft of your car. So this combination is extremely risky.

13.Some cars choose this combination. Select this option.

First of all, you must purchase compulsory liability insurance. In the second year, no matter how you choose the type of insurance, it is mandatory for the state. In fact, it is also the most basic guarantee for everyone.

The basic cost of compulsory traffic insurance in the first year is 950 yuan, and the cost of the second year is linked to the accident in the first year. If there are no accidents in the first year, go down 10%; Two years without accidents, down 20%; Three years without accidents, down 30%. Conversely, if there are two or more traffic accidents in the first year, the increase will be 15%; In the event of a fatal accident, an increase of up to 30%.

Secondly, it is recommended to purchase car damage insurance and third-party insurance, which are the main types of commercial insurance, providing the most basic protection for vehicles and people. Therefore, regardless of whether there was an accident last year, you need to buy these two types of insurance. Finally, purchase other riders as appropriate.

Generally speaking, the most commonly purchased additional insurance includes glass break insurance, scratch insurance, theft insurance, excluding deductible insurance, ship liability insurance and other types of insurance. These types of insurance usually cover new cars or **value cars. If you are an old car and a skilled driver, you can avoid scratch insurance and glass insurance.

Excluding deductibles can greatly reduce the loss of car insurance.

To sum up, the choice of vehicle insurance in the second year and how to buy it should comprehensively consider the situation of the previous year and the specific situation of the vehicle and the owner, and choose the most suitable combination of insurance, so as to truly achieve full insurance and not waste money. Now insurance has been reformed. I've heard that a lot of insurance is combined.

Buying a level 1 insurance includes a lot of insurance, and it will be implemented in July 2020. I didn't have insurance at the time, so I didn't know the specific requirements. Car insurance can be consulted.

Motor vehicle insurance, also known as car insurance (hereinafter referred to as car insurance), is a type of commercial insurance that is responsible for compensating for bodily injury or property damage caused by natural disasters or accidents.

Motor vehicle insurance, also known as "vehicle insurance", is a kind of transport vehicle insurance that takes the motor vehicle itself and its third-party liability as the subject matter of insurance. Its insurance customers are mainly corporate bodies and individuals who own various types of motor vehicles; The subject matter of insurance is mainly all kinds of automobiles, but it also includes special vehicles such as trams, battery cars, and motorcycles.

First of all, compulsory traffic insurance must be bought, no matter how the type of insurance is chosen in the second year, this is compulsory to be purchased by the state. In fact, it is also the most basic guarantee for everyone. The basic cost of the first year of compulsory traffic insurance is 950 yuan, and the cost of the second year is linked to the insurance situation in the first year, and if there is no insurance in the first year, it will be reduced by 10%; If there is no insurance for two years, it will be reduced by 20%; There has been no insurance for three years, and it has dropped by 30%.

Conversely, if there are two or more traffic accidents with liability in the first year, the increase will be 15%; In the event of a fatal accident attributable to liability, the maximum increase is 30%.

2. Secondly, it is recommended to purchase car damage insurance and third-party insurance, both of which are the main insurance in commercial insurance, providing the most basic protection for cars and people. Therefore, regardless of whether there was insurance in the previous year, it is necessary to buy these two types of insurance.

3. Finally, purchase other insurances as appropriate. Generally, the most commonly purchased additional insurance includes glass breakage insurance, scratch insurance, theft insurance, deductible insurance, on-board liability insurance and other insurances.