What is the best car insurance to buy in the third year, and how to buy the most cost effective car

Hello. What to buy in the third year of car insurance should be considered according to the driving level of the car owner, the condition of the vehicle and the driving area.

Compulsory liability insurance is mandatory. The options are those in commercial auto insurance. Generally speaking, after driving for three years, the driving level of the car owner is relatively high, the accident is predictable, the probability of an accident is very small, and some unimportant insurance types can not be insured, which can save a part of the premium.

Need to buy commercial insurance, three insurance and car damage insurance is more important, especially now that there are many people in the car traffic situation is complex, this aspect of insurance is still necessary, the amount of insurance can be selected according to the region, if it is in a big city, the amount of insurance should be a little higher, preferably not less than 500,000. If it is a small town, the amount of insurance can be appropriately reduced, 300,000 is more appropriate, it should be noted that people now cannot afford to be injured. Car damage insurance is determined according to the situation of the car itself, generally speaking, it is necessary to insure medium and high-end cars, and the cost of repairing such a car has always been relatively high.

As for theft insurance, scratch insurance and glass breakage insurance, it depends on the parking environment, if it is relatively safe, you can not insure, but it is still necessary for high-end cars.

In addition, if the warranty period of the car is relatively long, the spontaneous combustion insurance can not be insured, otherwise it should still be considered.

If there are frequent heavy rains and water accumulation in the area, then you also need to take out water insurance.

Hope mine is helpful to you.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

It depends on your driving skills and whether you often run long distances.

If the technology is good, you can not insure the car damage; On the contrary, it is better to keep it.

Just wandering around the city, commuting to and from work to pick up a child or something, the three insurances can be insured a little less, two or three hundred thousand is enough. If you need to travel far away, you can keep it higher, 500,000 or even 1 million.

Seat insurance is one or two hundred yuan, and it is recommended to insure.

Glass can be kept and is not expensive.

Robbery with garage can not be insured.

Scratches, spontaneous combustion, or whatever, don't need to be protected.

Write in such detail, not yet :)

The details are as follows: How to buy car insurance in the third year depends on individual needs. Car insurance generally buys compulsory traffic insurance, and chooses commercial car insurance according to needs, such as car damage insurance, third-party liability insurance, and vehicle personnel liability insurance.

and its riders.

1. Compulsory traffic insurance: All vehicles must purchase compulsory vehicle insurance, and those who do not buy compulsory traffic insurance will be punished on the road;

2. Commercial auto insurance: including car damage insurance, third-party liability insurance, on-board personnel liability insurance and its additional insurance, which provide protection for the vehicle itself, the third party of the accident and the personnel on the car, and the additional insurance has absolute deductible and scratch insurance.

etc., you can supplement the selection on the basis of the three main insurances.

3. In the case of limited economic capacity, you can give priority to choosing commercial auto insurance according to your needs, and it is recommended to purchase third-party liability insurance and car damage insurance; If you can afford it, you can choose to take out all or more than one commercial auto insurance.

Extended information: 1. Vehicle insurance, that is, motor vehicle insurance.

Abbreviated as car insurance, also known as car insurance. It refers to motor vehicles due to natural disasters.

or a kind of commercial insurance that is liable for personal ** or property damage caused by accidents.

2. Automobile insurance is a kind of property insurance, in the field of property insurance, automobile insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of automobile insurance and the emergence and development of automobile insurance.

3. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the automobile is the main insurance, and gradually extends to the risk of collision loss of the car body.

4. A type of insurance widely carried out in China is an insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

5. The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle personnel liability insurance, and vehicle theft insurance. Motor Vehicle Damage Insurance.

It is an insurance that covers the insured vehicle to suffer from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract.

6. In 1980, at the beginning of the recovery of China's insurance industry, the Chinese People's Insurance Company gradually and comprehensively resumed the automobile insurance business that had been interrupted for nearly 25 years, so as to meet the needs of domestic enterprises and units for automobile insurance, and to meet the objective needs of the rapid development of the road transportation industry and the increasingly frequent accidents.

7. However, at that time, auto insurance only accounted for the market share of property insurance.

of 2%. PICC Group.

At present, it has developed into a comprehensive insurance company, and the property insurance business still accounts for the majority in terms of scale premiums The Group's property insurance products are rich and cover different areas, among which the motor insurance business is the most important In terms of primary insurance premium income, the motor insurance business accounts for about 70% of the property insurance business.

First, to know clearly how to buy car insurance in the third year, you must first know the type of car insurance.

Car insurance has two parts: the main cover and the rider. Among them, the main insurance includes the following two types of insurance: vehicle loss insurance and third-party liability insurance. Additional insurance includes the following types of insurance: full vehicle theft insurance, on-board liability insurance, no-fault liability insurance, on-board cargo falling liability insurance, windshield glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance excluding deductible.

Second, how to buy car insurance in the third year, the key is to choose the type of insurance suitable for the third year of car insurance from the car insurance type.

After the survey, the frequency of car owners to change cars is generally 5 years a round, the first two years have not been out of the insurance car owners believe that it is too wasteful to buy full insurance, so it is necessary to save some insurance, but car damage insurance, three insurance, not counting deductible insurance is best to buy, spontaneous combustion insurance is also time to consider. "Some risks can be saved, while others can't. Lingyue suggests that you must buy it regardless of deductible insurance.

This type of insurance is a companion clause to car damage insurance and third party liability insurance. If you do not buy this insurance, the insurance company will have a certain deductible in the event of an accident. Theft insurance is purchased according to the owner's own situation, if there is no fixed parking space of their own, it is recommended to purchase this insurance.

In addition, in the third year of driving, those who have not yet purchased spontaneous combustion insurance should also beware of "spontaneous combustion caused by circuit aging", and it is also necessary to spend a few hundred yuan to buy "spontaneous combustion insurance".

3. How to buy car insurance for the third year? The general car owner can buy according to the above principles, but those high-end car owners and luxury car owners also need to increase the type of insurance.

It is recommended that car owners should purchase separate glass breakage insurance for the first four or five years. If you don't get this insurance, the glass can not be compensated for broken alone, and the glass accessories of the 4S shop for this type of car are very high, and the owner will be more troubled when he encounters this situation. Scratch insurance can also be purchased by car owners depending on the parking lot.

For luxury cars, the cost of a scratch may be one or two thousand yuan, and the premium is only 100-200 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

First, about how to buy car insurance in the third year, the main thing is to choose the type of insurance that is suitable for your car from all car insurance. Now the frequency of car owners to change cars is generally 5 years a round, the first two years have not been out of the car owners believe that it is too wasteful to buy full insurance, so they save some insurance, butCar damage insurance, three-party insurance, excluding deductible insuranceIt's best to buy it, and it's time to consider spontaneous combustion insurance. "Some risks can be saved, while others can't.

Second, about how to buy car insurance in the third year, it is recommendedDeductible not includedMust buy. This type of insurance is a companion clause to car damage insurance and third party liability insurance. If you purchase this insurance, the insurance company will have a certain deductible in the event of an accident.

If you don't have your own fixed parking space, the author recommends buying this insurance. In addition, the car travels to the third year and is purchasedSpontaneous combustion insuranceIt is also necessary to beware of "spontaneous combustion caused by aging circuits" and spend a few hundred yuan to buy safety.

Third, about how to buy car insurance in the third year, ordinary people can follow the above basic principles, but owners of high-end cars and luxury cars should also need to add some types of insurance. It is recommended that car owners purchase separate glass breakage insurance every few years in previous years. If you don't get this kind of insurance, the glass is broken alone but can not be compensated, and the 4S shop has a high level of related glass accessories, and the owner will have a headache when he encounters this situation.

Scratch insurance can also be purchased by car owners according to the parking lot. For luxury cars, the repair cost of a scratch is not less than one or two thousand yuan, and the premium is only 100-200 yuan.

The key to how to buy car insurance in the third year is to choose the type of insurance that is suitable for the third year of car insurance.

In the third year, many car owners have gone from novices to skilled drivers. When buying car insurance, how to buy car insurance in the third year is different from buying a new car, you can save some insurance purchases, but some insurance types should be increased accordingly. If you want to know how to buy car insurance in the third year, you must first know the types of car insurance.

Auto insurance is mainly divided into compulsory traffic insurance and commercial insurance. Commercial auto insurance is mainly divided into basic insurance and additional insurance. Basic insurance is mainly divided into vehicle loss insurance, vehicle personnel liability insurance, vehicle theft and emergency rescue, and third-party liability insurance.

Additional insurance is mainly divided into vehicle scratch insurance, spontaneous combustion loss insurance, separate glass breaking insurance, wading insurance, no deductible insurance, etc. Be sure to buy, don't pay. This kind of insurance is a complementary clause between car damage insurance and commercial collapse insurance.

If you don't take this risk, the insurance company will have a certain exemption in case of an accident. Generally, if you are fully responsible for a unilateral accident or accident, you must take 20%. Whether you are a novice or a veteran, it is best to buy car damage insurance and three insurances at the same time.

There is also car damage insurance and commercial insurance, so be sure to buy it. Theft Rescue is purchased according to the owner's own situation. If you don't have your own fixed parking space, it is advisable to take out insurance.

In addition, in the third year of the car, it also needs to spend hundreds of dollars to buy "spontaneous combustion insurance". What insurance to buy in the third year of car insurance determines the amount of car insurance in the third year. How much is the third year of compulsory traffic insurance, mainly depends on the driving situation of the vehicle in the last two years.

If there have been no traffic accidents in the previous two years, the compulsory traffic insurance** will be reduced by 30%. If there are more than two levels, an increase of 10%.

Millions of car purchase subsidies.