How to buy insurance for a new car, how to buy insurance for a new car

How to buy insurance when you just buy a new car? Knowing these will not be pitted.

The owner of a new car can go directly to the insurance company to buy it.

It's just that the car owner buys a car in a 4S store, and the 4S store will try its best to promote insurance, and even compulsively let the car owner buy insurance in a 4S store.

The reasons why 4S stores try their best to promote car insurance and even force car owners to buy insurance are as follows:

S shop each gang "stationed."

When an insurance company sells a car insurance, it gets a certain amount of commission.

2. The "stationed" insurance company will also give feedback to other aspects of the 4S store - for example, when assessing the loss, the "stationed" insurance company will relax the requirements. Some parts can be replaced and repaired, and the "stationed" insurance company will assess the damage with "replacement", so that the 4S store can make more money.

In the 4S shop, car owners can choose to buy insurance according to the actual situation:

1. If the 4S store allows you to buy insurance in the store, you only need to buy car insurance from the same insurance company**, and you can know what the lowest price of the same insurance company is. You can directly negotiate with the stationed insurance sales of the 4S store, and in most cases, the other party will agree to buy the car insurance.

2. Buy insurance in 4S stores to enjoy more convenient claims and maintenance services. In particular, luxury cars will face more problems of "easy to repair the car and difficult to pay compensation". At this time, it is recommended that the car owner buy insurance from the 4S store.

3. If the ** of 4S insurance is too far behind car insurance. If you have decided not to buy at the 4S store, and the 4S store forces you to make a purchase, you can call 12315 to complain directly.

4. If you have purchased it in the 4S store, you can go to the business hall where the insurance is located to surrender the policy. Car owners can choose other insurance outlets to buy the insurance they want.

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

Hello, the new car needs to be insured.

At present, it is still necessary to refer to the car insurance items of fuel vehicles, in addition to the compulsory traffic insurance, commercial insurance and then purchase car damage insurance and third-party liability insurance.

500,000 or 1,000,000, excluding deductible.

That's enough. Thanks to pure electric vehicles.

The power system has undergone various rigorous tests in the research and development stage, and has relatively complete safety measures for problems that may cause spontaneous combustion of batteries such as fire, flooding, impact, and scratching battery packs, so the probability of spontaneous combustion of pure electric vehicles may be smaller than that of gasoline vehicles. However, the cruising range of pure electric vehicles is short, and many models have positioning and remote locking functions, so spontaneous combustion and theft of vehicles are small probability events. Therefore, it makes little sense to purchase spontaneous combustion insurance and theft insurance.

It is also worth reminding that for the common wading insurance in ordinary car insurance, new energy vehicles.

It's not that you can't buy it, it's that it's useless to buy it. The full name of wading insurance is "engine special damage insurance", that is, insurance that specifically pays for the engine. Pure electric vehicles, on the other hand, do not have engines at all, so there is no need to purchase wading insurance.

Hope it helps!

It is the most cost-effective to buy 3 types of new car insurance. First, compulsory traffic insurance, compulsory traffic insurance is one of the must-buy insurance, otherwise it will not be possible to inspect the car and get the license plate, and there is also a role: if you hit someone and other things other than your car, you can be compensated.

Clause. Second, the third party commercial liability insurance, the third party insurance is the enhanced version of the compulsory insurance, but also to pay others, because the compulsory insurance has a limit, the third party is responsible for the additional part of the compulsory insurance, if the accident of other people's vehicle maintenance costs exceed the amount of the compulsory insurance, the excess by the third party to make up, it is recommended that the third party at least 500,000 yuan, not much difference.

Clause. For example, in a traffic accident, we are fully responsible for the loss of 10,000 yuan, then the insurance company will only pay 8,000, and we still have to bear the remaining 20%, but after buying the deductible, the insurance company will bear 100%.

Finally, we recommend the best insurance combination plan, compulsory traffic + third party 1 million + excluding deductible + car liability insurance, which is generally enough to buy these kinds. We must keep a clear head when buying new car insurance, and don't buy some useless insurance after being sold by insurance salesmen.

The most cost-effective combination of insurance for a new car is compulsory traffic insurance + vehicle loss insurance + third-party liability insurance + deductible insurance, the premium is the best plan, and it can also provide enough protection.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is the first compulsory insurance system implemented by national laws and regulations in China. The first year of compulsory traffic insurance for a new car is 950 yuan, the vehicle and vessel tax is 360 a year, and the new car is taxed on a monthly basis, if you are not out of insurance in the second year, the compulsory traffic insurance is discounted by 10%, if you are not insured in the second year, the compulsory traffic insurance is discounted by 20%, and if you are not insured in the third year, the compulsory traffic insurance is discounted by 30%. Compulsory traffic insurance includes as long as the loss is caused to a third party (except for the car and the people on the car), regardless of whether there is liability or not, all of them are within the scope of compulsory traffic insurance.

Scope of compensation for medical expenses of compulsory traffic insurance: medical expenses, diagnosis and treatment expenses, hospitalization expenses, hospital meal subsidies, necessary and reasonable follow-up expenses, plastic surgery expenses, and nutrition expenses. There are two types of compensation for compulsory liability insurance, liability compensation and non-liability compensation.

Liability compensation means that the insured motor vehicle is responsible for the traffic accident, regardless of the size. A no-fault benefit means that the insured motor vehicle is not liable in an accident.

Vehicle damage insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability. As one of the most private car insurance plans with the highest premiums, many car owners are unclear about how to calculate vehicle damage insurance. The formula for calculating general vehicle damage insurance is:

Base premium + new car purchase price x rate. Of course, car owners can also choose to under-insure, which will reduce the premium and reduce the protection at the same time. Vehicle damage insurance from most insurance companies generally covers the loss of the insured vehicle and related rescue expenses caused by natural disasters such as lightning strikes, storms, torrential rains, floods, and accidents such as collisions and overturns.

The so-called motor vehicle third-party liability insurance refers to the amount of compensation that shall be paid by the insured in accordance with the provisions of the insurance contract if an accident occurs in the process of using the insured vehicle after the insured purchases third-party liability insurance from the relevant insurance company, resulting in direct damage to the person or property of the third party. However, the aftermath of the accident shall be handled by the insured.

The full name of the deductible insurance is "the special clause without deductible", which is an additional insurance to commercial insurance. As an additional insurance, the insurance liability of the deductible insurance usually refers to the part of the deductible amount that should be borne by the insured within the liability limit calculated according to the deductible calculated according to the deductible stipulated in the main insurance clause of the corresponding insurance after a special agreement.

Starting with a new car, insurance must keep up, but there are many types of car insurance, and many consumers have bought a lot of insurance, including repeated insurance and unnecessary insurance.

It is necessary for new car owners to buy insurance.

Compulsory traffic insurance: Needless to say, the full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is compulsory insurance in China. It is mandatory for all vehicles, and it should be clear that when a traffic accident occurs, the compensation of compulsory traffic insurance is paid to the party who was hit, and the amount of compensation is limited.

The liability limit of compulsory traffic insurance is 10,000 yuan. That's not enough when faced with some of the biggest accidents. This brings us to the following insurance.

Third-party insurance: The full name is third-party commercial liability insurance. It is also the occurrence of an accident, the economic compensation for the third party, for the part that exceeds the compensation limit of the compulsory traffic insurance, the insurance company is responsible for compensation, so the car owners and friends try to buy the compulsory traffic insurance and the three insurance at the same time, so that in the event of a major traffic accident, the insurance company can help you pay the excess costs.

The three-party insurance is also used to compensate for the loss of people and goods made by other parties of the car.

Car damage insurance: The first two types of insurance are used to pay for other parties, while car damage insurance is used to pay for the insured himself. Including collisions, scratches, flooding, fires, smashes, losses caused by natural disasters, etc.

There are also two points to pay attention to here: the damage of individual parts is not compensated, don't worry when you encounter this situation, naturally add work, and turn the separate into multiple parts of the damage, don't feel distressed, the insurance company will help you repair it; Modifications, loss of contents and damage to the engine due to flooding are not compensated. Therefore, if your modified parts are very expensive, buy a new equipment insurance, valuables are better not to be placed in the car, and there is a special wading insurance for the engine.

Basic insurance does not include deductible:

Excluding deductibles means transferring 20% of what should have been borne by the owner to the insurance company. Excluding deductibles, it is divided into basic insurance and additional insurance, the former of which takes effect independently for basic insurance such as car damage insurance and third-party insurance; The latter is in effect for the car rider.

It is when you mistakenly drive into a tree and cause a loss of 1,000 yuan, because it is a unilateral accident, normally the insurance company will only compensate you for 80% of the loss, that is, 800 yuan, but if you buy a deductible insurance, you can get 100% compensation of 1,000 yuan.

Some car owners have listened to the car dealership and bought full insurance, and some are not enough to buy car insurance in order to save money, and they are not aware of their mistakes when they buy car insurance, and they regret it when the car has an accident.

1.The insurance that must be purchased for a new car is compulsory traffic insurance, which mainly provides timely and basic protection for the loss of personnel and property caused by traffic accidents. Only when you have this type of insurance can you go on the road normally and pass the car inspection.

2.New cars generally need three commercial insurance: vehicle loss insurance, third-party liability insurance and car personnel insurance, with these three insurance, the car can get the most basic protection, when there is an accidental traffic accident, the insurance company will pay most of the compensation, they will not suffer heavy losses.

3.To buy a new car theft insurance, glass breakage insurance, body scratch loss insurance, in general, the possibility of a new car being stolen and scratched and smashed glass is higher, rather than crying after an accident, it is better to spend a little money to buy a guarantee.

4.When an accident occurs, as long as there is this insurance, the economic loss borne by yourself can be minimized.

5.Buy insurance for a new car, in addition to choosing the right type of insurance, you have to find a cost-effective insurance company, the purchase of a new car and comprehensive insurance, are very expensive, in line with the principle of saving money, choose a service guarantee, the best cheap insurance company is a must.

Through the above content, you should already know that the first thing to buy car insurance for a new car must be compulsory traffic insurance, and it also needs three commercial insurances to assist in matching, namely car damage insurance, three liability insurance, and personnel insurance, of course, car owners can also choose according to actual needs.

Buy insurance for a new car at the 4S store where you buy the car, buy a car in full and buy insurance at the 4S store for the first year, and buy a car with a loan for three years at the 4S store.

New cars are all fully insured, so there is no need to consider whether to buy only compulsory insurance, but I personally recommend that no matter when, you should buy all insurance.

How to buy car insurance:

1. Bring your ID card, driver's license, vehicle certificate and invoice to the insurance company to buy;

2. **Purchase:

1. Call the insurance company**;

2. Explain to the customer service the type of commercial insurance to be bought;

3. If you confirm the insurance, the customer service will let the person send the ** order to the designated place the next day, and sign and pay the money after confirming that the ** policy is correct, and the policy will be in my hands one day later.

3. Online application process:

1. Enter the vehicle driving city, basic vehicle information, and personal information.

2. According to the situation of the vehicle, the official will use scientific algorithms to recommend the best insurance plan for you, and carry out it accurately**. You can also freely customize the insurance plan according to your own needs;

3. The payment environment is strictly encrypted, supporting 10 payment methods and more than 100 banks, which can basically be paid with a card.

Newbies are advised to purchase the following car insurance:

1. First of all, purchase compulsory traffic insurance;

2. Full third-party liability insurance:

The third party is the most important for all types of car insurance. After all, you can't drive a car if it's ruined, but you can't be exempted from compensation from others, and you should put the ability to compensate others for their losses in the first place when buying car insurance.

3. Liability insurance for people on board:

The liability insurance of the vehicle personnel is the main insurance of the vehicle commercial insurance, and its main function is to compensate the vehicle for the insurance of the people in the car caused by traffic accidents, and the insurance amount of each seat is generally 1-50,000 yuan. Liability insurance is very important for car owners, because the people in the car are generally important people around them, and it is also necessary to buy an insurance for them.

4. Car damage insurance:

New cars will inevitably bump and bump, and novices need to purchase car damage insurance. Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while driving the insured vehicle or its permitted driver.

5. Theft insurance, glass, spontaneous combustion, scratch insurance combined with their own needs to buy, if you buy a new car in full payment, I am a novice, in order to reduce losses, you can consider purchasing all the insurance content except for spontaneous combustion loss insurance.