How to buy the most useful car insurance for the least amount of money?

How to buy the most cost-effective car insurance? Don't buy full insurance, just buy it this way and spend less money.

Answer: From the perspective of car insurance premiums, it is most cost-effective to buy compulsory traffic insurance for private car insurance, because for private car owners, only compulsory traffic insurance is mandatory to buy, and commercial car insurance is voluntary, so if you want to save money, you can consider only buying compulsory traffic insurance, but in this way, the protection that car owners can get is not very comprehensive;

From the perspective of car insurance protection, after purchasing compulsory traffic insurance, private car insurance can purchase commercial car insurance according to your actual needs, for example, if you are worried about the damage to your vehicle, you can consider buying car damage insurance (but if the car is too old, then you may not be able to buy car damage insurance, for example, Ping An car insurance stipulates that cars with an age of 8 years and above cannot buy car damage insurance); If you are worried that the insured amount of compulsory traffic insurance is not enough, then you can consider purchasing three liability insurance; If you are worried about the people in your car who will be affected by the insured accident**, then you can consider purchasing seat insurance; If you are worried that you will need to bear the medical expenses of the third-party victim after the occurrence of an insured accident, then you can consider taking out medical insurance for external drug liability.

All in all, when buying car insurance, you must start from your actual needs.

Hello, the combination of compulsory traffic insurance + third-party liability insurance + car damage insurance is the most cost-effective, ** will not be particularly high If the economic conditions allow, you can also choose other commercial insurance compulsory traffic insurance according to your own needs The first year: 5 950 yuan, 6-8 1100 yuan The second year: 855 yuan, 990 yuan The third year:

760 yuan, 880 yuan 4th year: 665 yuan, 770 yuan 5th year: 665 yuan, 770 yuan The above premiums are related to the insurance, out-of-insurance, and transfer, and if any one of them changes, the premium will also change.

Commercial insurance should be subject to the insurance company**.

If you need to provide information, you will be able to arrange a professional car insurance teacher to call back to assist you in calculating and calculating car insurance** service.

The insurance that must be bought, the state stipulates that any vehicle on the road must buy compulsory traffic insurance, this car insurance is also fixed by the state every year, and the amount is basically more than 900 to 1100 yuan. If you don't buy this insurance, you won't be able to get on the road, so there is no room for negotiation, just buy it directly.

What a fool! Buying car insurance in this way is a waste of money, and everyone should see that they don't fall for it again.

Hello, the combination of compulsory traffic insurance + third-party liability insurance + car damage insurance is the most cost-effective, ** will not be particularly high If the economic conditions allow, you can also choose other commercial insurance compulsory traffic insurance according to your own needs The first year: 5 950 yuan, 6-8 1100 yuan The second year: 855 yuan, 990 yuan The third year:

760 yuan, 880 yuan 4th year: 665 yuan, 770 yuan 5th year: 665 yuan, 770 yuan The above premiums are related to the insurance, out-of-insurance, and transfer, and if any one of them changes, the premium will also change.

Commercial insurance should be subject to the insurance company**.

If you need to provide information, you will be able to arrange a professional car insurance teacher to call back to assist you in calculating and calculating car insurance** service.

What a fool! Buying car insurance in this way is a waste of money, and everyone should see that they don't fall for it again.

There are four major types of insurance, including compulsory traffic insurance, car damage insurance, and third-party liability insurance.

1.Compulsory traffic insurance.

If you want to get a new car on the road, you must buy compulsory traffic insurance!

As a compulsory type of insurance of the state, compulsory traffic insurance is the most basic guarantee, which is a compulsory liability insurance for the personal and property losses of the victim (the other party) caused by the insured motor vehicle in a road traffic accident, and is compensated within the liability limit, which protects the rights and interests of the victim and pays the compensation to the victim.

2.Car damage insurance.

Whether it is a new car or an old car, car damage insurance is to be bought. Unless you feel that scratching, bumping, bumping and bumping are minor problems, or you are ready to change cars, then you can not buy it.

Car damage insurance refers to a kind of automobile commercial insurance that the insured or its permitted driver is responsible for paying for the loss of our own car due to natural disasters (excluding **) or accidents within the scope of insurance liability when driving the insured vehicle.

3.Third Party Liability Insurance.

Three-liability insurance, the full name of remorse: compulsory insurance for the third liability of motor vehicles. During the insurance period, if the insured or its permitted driver has an accident in the course of using the insured motor vehicle, resulting in direct damage to the person or property of the third party, the third party shall be liable for damages in accordance with the law.

The scope of this third party is basically the same as the "victim" of the compulsory traffic insurance mentioned above, referring to the "other party". At the same time, it should be noted that there are free odds for the three liability insurance.

4.Deductible not included.

First of all, as an additional insurance, deductible insurance needs to be insured with the "main insurance" as the precondition for insurance, and cannot be insured separately or in line. So what is deductible-free insurance? According to the official statement, it is:

Upon special agreement, after an accident occurs, the insurance company will be responsible for compensating the part of the deductible amount that should be borne by the insured in accordance with the deductible calculated according to the terms of the main insurance to be insured.

How not to spend money in vain.

There are three things to note:

1.Types of car insurance.

The above "must-buy" and "optionally purchased" car insurance introduced to you, you should keep your eyes open and see which ones are good to buy according to your own needs, as long as the protection is in place, not more.

2.Insurance company.

When looking at insurance companies, in addition to looking at the scale (the number of outlets is good), we should also look at the ability to claim claims and the quality of service, so that the insurance claim will be more convenient and faster.

3.Insurance Terms.

When buying car insurance, you should pay attention to the protection responsibilities and deductible clauses of the insurance, so as to prevent the insurance from being unable to get a claim due to some problems, which will be a big loss.

The least way to spend money to buy car insurance 【Abstract】Cars are our most commonly used means of transportation, with the development of the economy, more and more people are buying cars, and car insurance is also the most headache for every car owner. So, what are the least ways to spend money on car insurance? Let me take you through it.

Comprehensive compulsory traffic insurance + commercial three liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft. If you want to know more about the least expensive way to buy car insurance, follow me and take a look.

Cars are our most commonly used means of transportation, with the development of the economy, more and more people are buying cars, and the car insurance is also the most headache for every car owner. So, what are the best ways to buy car insurance and spend less money? Let me take you through it.

All-round

Compulsory traffic insurance + commercial three liability insurance (300,000 yuan) + car damage insurance + on-board personnel liability insurance + theft insurance + glass breakage insurance + deductible special + body scratch loss insurance. About 20% of car owners choose this type combination. Suitable for new car owners and car owners who need comprehensive protection.

Regular

Compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + deductible special contract. About 60% of car owners choose this type of combination. It is suitable for vehicles parked in parking places with long-term fixed personnel guarding, and also suitable for car owners who are willing to bear some of the risks themselves.

Economical

Compulsory traffic insurance + commercial three liability insurance (100,000 yuan) + car damage insurance + deductible. About 15% of car owners choose this type of combination. It is suitable for owners who have been using the vehicle for a long time and are willing to bear most of the risks themselves.

Risky

Only purchase compulsory traffic insurance. The compulsory traffic insurance only pays the third party (the injured party) in the accident, and the maximum compensation for personnel is 110,000 yuan, 10,000 yuan for hospitalization, and 2,000 yuan for property loss. About 5% of car owners chose this combination. Insurance experts generally do not recommend this option.

What are the least ways to spend money on car insurance? First, you can buy full insurance; Second, it can be used for compulsory traffic insurance, commercial three liability insurance, car damage insurance, vehicle personnel liability insurance, theft insurance and deductible special contract; Third, you can purchase compulsory traffic insurance, commercial three liability insurance, car damage insurance, and deductibles; Fourth, only purchase compulsory traffic insurance.

Nowadays, it is a society with a legal system, and many things that are closely related to life are inseparable from the law, so we should have some understanding of some ordinary legal knowledge. The existence of the law can help us better deal with some things around us, if you have some other knowledge that you want to know, welcome to consult a lawyer.

Minimal ways to spend money on car insurance @2019

Car insurance is generally purchased for novice car owners, veteran car owners and used car dealers.

1.Compulsory traffic insurance (all subjects must be purchased);

2.Car damage insurance (recommended for novice car owners and veteran car owners, and second-hand car dealers do not have to buy it);

3.Three-party insurance (recommended for novice car owners and veteran car owners, and second-hand car dealers do not have to buy it);

4.Seat insurance (recommended for novice car owners and veteran car owners, not necessarily for second-hand car dealers);

5.The other eleven additional insurances can be purchased by new car owners and old car owners according to their actual situation, while second-hand car dealers do not need to purchase.

The specific explanation is as follows:

Compulsory traffic insurance, also known as compulsory motor vehicle traffic accident liability insurance, is a compulsory car insurance paid by the state, and the premium is unified across the country.

Compulsory traffic insurance is the most basic protection, the charging standard is based on the number of seats in the vehicle unified pricing, the cost of compulsory traffic insurance for models with less than 6 seats is 950 yuan per year, and the cost of models with more than 6 seats is 1,100 yuan per year.

However, if a traffic accident occurs during the insurance period, the cost will be increased by up to 30% in the second year when the insurance is paid.

Three main insurances:1The car damage insurance, which was originally an additional insurance, such as engine wading insurance, glass breakage insurance, deductible insurance, spontaneous combustion insurance, and the inability to find a third-party special insurance, are all incorporated into the car damage insurance, and the amount is increased without increasing the price, which is very practical!

It is an insurance that can be compensated for almost any car breakdown.

2.In the event of an accident during the use of the car, whether it is personal or property damage caused to a third party, the part exceeding the compensation limit of the compulsory traffic insurance will be compensated by the third-party liability insurance. The amount of compensation for third-party liability insurance can be freely selected from 100,000 to 10 million, and the higher the amount of compensation, the more expensive the insurance cost can be decided according to their actual situation.

3.Seat insurance, on-board personnel liability insurance, commonly known as seat insurance, protects the driver and the personnel of the car, if they are injured in an accident, they can get compensation. Generally, it cooperates with vehicle damage insurance to protect the loss of vehicles and ensure the safety of drivers and passengers.

Seat insurance is generally purchased according to the number of seats, and the insurance amount per seat is between 10,000 and 50,000 yuan.

Summary. Hello dear, glad to answer for you.

First of all, compulsory traffic insurance, you can't go on the road without buying compulsory traffic insurance; The second is the three insurance, it is recommended to buy at least 1 million or more, in case you accidentally hit a luxury car or even hit someone; In the case of frequent driving alone, the driver part of the vehicle personnel liability insurance can be purchased; There is also car damage insurance, which is used to repair your car.

I hope mine can help you

How to buy car insurance to save the most money.

Hello dear, I am glad to answer for you that the first is compulsory traffic insurance, and you can't go on the road without buying compulsory traffic insurance; The second is the three insurance, it is recommended to buy at least 1 million or more, in case you accidentally hit a luxury car or even hit someone; In the case of frequent driving alone, the driver part of the vehicle personnel liability insurance can be purchased; In addition, there is also car damage insurance, which is used to repair your own car. Shyppi, I hope I can help you

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