How do I go vehicle insurance is cost effective, how to buy vehicle insurance is cost effective

If the insurance company deals with it strictly, you need to report the case twice, one is a collision, to solve the crack on the front bumper, because scratch insurance is not responsible for the crack; The second time you report the scratches, solve the scratches in other places and spray paint, because after you report the collision, the collision point can only be one side, either the front or the side, and the cover of the machine cannot be solved by collision. If your front bumper does not need to be replaced and you are willing to repair it, it is recommended to report the scratches and check with the insurance company or repair manufacturer whether you can repair the front bumper for free.

Don't think about it, direct scratch insurance.

Let's go for scratches. It doesn't affect the premium, and there is no major injury, bar, or repair it, the original car is better.

95511 to 9, if you want to report the case, you have to call **, the time for Ping An Insurance to report the case is 48 hours.

It depends on whether the insurance company can report the insurance once, and it is better to know the person, otherwise it will be enough to choke.

Compulsory traffic insurance and vehicle and vessel tax must be purchased, otherwise our cars will not be able to get on the road, and the state also has hard regulations in this regard. In the case of commercial insurance, third-party liability insurance is the most important, and many car owners will buy it! For new cars, it is best to buy 1 million third-party liability insurance, and if you hit other vehicles, 1 million is basically enough.

In addition, car damage insurance is recommended for newbies. If your car is a new car, and the driver is also a novice, and the technology is not so proficient, it is recommended that you buy sufficient car damage insurance, so that the vehicle will be paid after the accident chain book. In order to protect the vehicle, then the seat insurance must be to protect the person, so the seat insurance is a must.

1. How to make a claim for vehicle insurance.

1. Carry a clear copy of the "Three Certificates and One Document" of the motor vehicle with the car, that is, the owner's ID card, driver's license, driving license and insurance policy. It is important to remind you that the insurance card of many insurance companies is no longer used as a claim certificate.

2. It is very important to report the accident in time, especially for major accidents. When calling the insurance company to report the accident**, you need to provide basic information such as the policy number, the time and place of the accident, and the nature of the accident.

3. Vehicles with temporary license plates generally only handle short-term compulsory traffic insurance, and there is a specified route and time, and the insurance company does not assume the liability for compensation for accidents that occur on a route and time other than the specified route.

4. When the vehicle is out of danger in a different place, and the insurance company will call for rent, and the damage assessment personnel at the place of danger will conduct the investigation and damage assessment on behalf of the company. The compensation cost is generally valued according to the industry standard of the place of insurance, and if there is partial damage found after returning to the place of insurance, the insurance company can make up the compensation for the repair cost.

5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he should sign the power of attorney in person and report to the insurance company for the record. Every time we repair, we sign a quality contract with the repair shop, so that we can protect our legitimate rights and interests.

2. Precautions for vehicle insurance claims.

First, report the case in a timely manner. After a traffic accident, the owner of the car should protect the scene, report to the insurance company within 48 hours, truthfully state the accident, provide the insurance policy, wait for the insurance company's investigators to investigate the scene, and fill in the "Claim Application".

Second, understand the scope of denial and exemption.

Thirdly, it is not cost-effective to claim for too small a loss. Because when renewing car insurance, the insurance company has a premium preferential clause, that is, the vehicle has not been insured for one year, and you can enjoy a premium discount of about 10 when you renew the insurance in the second year; If there is no insurance record for several consecutive years, then the premium discount can reach up to about 30.

Fourth, road accidents, first 110, let the traffic police open a certificate to go to the repair shop, report the damage to the full set of repair shops can do, fifth, non-road accidents (community): write a certificate yourself, and then find the police station to seal it.

Sixth, bicycle accidents: 110 first traffic police bill, then find a repair shop. Some insurance companies want to see the scene, some don't, don't want to drive directly to the repair shop, and then report the accident and wait for the insurance company to see the car.

1. Beginner plan: compulsory traffic insurance + car damage insurance + third-party liability insurance + on-board personnel liability insurance + deductible + glass breakage insurance + scratch insurance + unable to find a third-party special insurance; This plan is expensive, but it can not only compensate others, but also protect your own losses if you accidentally make a mistake.

2. Old driver plan: compulsory traffic insurance + car damage insurance + 1 million third-party liability insurance + no deductible; Veteran drivers have more driving experience and have a higher chance of avoiding risks in daily driving, so just pick the most important ones in terms of insurance.

3. In coastal cities or areas with many rains and typhoons, it is recommended to purchase wading insurance; Car damage insurance does not cover the damage caused by water ingress into the engine, so if you often drive in areas that are prone to water accumulation, it is a very good choice to purchase wading insurance; However, the vehicle must not be started a second time when it is wading in water, otherwise the insurance company will not pay anything.

4. In addition to the recommended plan for new and old drivers, some additional insurance needs to be bought according to the actual situation; Cars that are more than three years old may need to buy a spontaneous combustion insurance, which can be done within 200 days, but friends who are ready to change cars choose to ignore it; The controversy of the whole car theft insurance is too big to recommend buying, and only when the whole car is missing can the insurance company pay for it.

5. The third-party liability insurance and the liability insurance of the occupants need to purchase the corresponding amount of insurance; With more and more local tyrants, the first personal injury compensation is getting higher and higher, the third-party liability insurance is best to buy 1 million or more, and the insurance amount of the car personnel liability insurance is best to choose 20,000 drivers and 10,000 passengers per person.

Novice drivers and veteran drivers buy different insurance, so how to buy it is more cost-effective.

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.

You can not buy glass breakage insurance, spontaneous combustion loss insurance, and no fault liability insurance, and you can not buy car scratch insurance for private cars. Glass insurance is not necessary, do not put valuables in the car, the risk is very low. The probability of spontaneous combustion is too low to be necessary.

Clause. The insurance for one or two years is slightly more complete, mainly compulsory traffic insurance, car damage insurance, and three insurance, and theft insurance can be considered not to be bought in the second year.

After the third year, the old driver, not to mention the private car, only need to buy compulsory traffic insurance, three insurance, the cost of 2000-3000 yuan to get, with the increase of the number of years, the insurance cost can be reduced to about 2500 yuan (three insurance is 300,000 yuan).

Car damage insurance is the most pitty insurance, and the cost is too high! You're not going to hit a tree or a wall with your car, are you? You won't mess around and get into the ditch by yourself, will you?

I don't drive my car to people I don't know well, be careful, I'm fine for a long time, and I pay nearly 10,000 yuan less for car damage insurance, so what is this money for. Finally, it is recommended not to listen to the insurance salesman's foolishness, and insist on his own can pay less money, of course, his achievements are less.

The three insurances are generally 300,000 yuan + compulsory traffic insurance, which can pay 110,000 = 410,000 yuan, which is almost the same. It's okay to buy 200,000 yuan, but 100,000 yuan is a little lower.

Good luck with your !!

1. Compulsory traffic insurance: Compulsory traffic insurance is the abbreviation of compulsory insurance for motor vehicle traffic accident liability, which is a compulsory insurance to compensate the insured vehicle for economic damage compensation liability in accordance with the law after a road traffic accident. The new car can not be licensed without compulsory insurance, and if there is no supplementary payment in the coming year, the traffic police may deduct points and fines and impose a fine of paying twice the strong insurance, and you will be issued a strong insurance sign after purchase, which should be pasted on the window glass.

2. Special insurance without deductible: The special clause without deductible is a kind of additional insurance. This type of insurance usually refers to the part of the deductible amount that should be borne by the insured after the occurrence of the insured accident according to the deductible calculated according to the corresponding main insurance clause after the occurrence of the insured accident, and the insurer is responsible for compensation.

3. Commercial third-party liability insurance: Third-party liability insurance refers to the amount of compensation that should be paid by the insured in accordance with the relevant provisions of the insurance contract for the insured by the qualified driver allowed by the insured in the process of an accident that occurs in the process of making Li Bikong use the insured vehicle, resulting in the direct loss of the person or property of Huizheng.

4. Vehicle Loss Insurance: Vehicle Damage Insurance is responsible for compensating for the loss of the vehicle itself due to natural disasters and accidents. This is the most important type of insurance in car insurance.

It doesn't cost much, but you can get a lot of protection. Generally speaking, for imported cars and domestic cars, if the age is not too old, or the driver's technology or driving habits cannot provide a higher guarantee for vehicle safety, it is best to buy this insurance. If you don't insure this type of insurance, you have to pay for the repair costs after the vehicle collision, which may be thousands, tens of thousands, or even hundreds of thousands of yuan.

1. Beginner plan: compulsory traffic insurance + car damage insurance + third-party liability insurance + on-board personnel liability insurance + deductible + glass breakage insurance + scratch insurance + unable to find a third-party special insurance; This plan is expensive, but it can not only compensate others, but also protect your own losses if you accidentally make a mistake.

2. Old driver plan: compulsory traffic insurance + car damage insurance + 1 million third-party liability insurance + no deductible; Veteran drivers have more driving experience and have a higher chance of avoiding risks in daily driving, so just pick the most important ones in terms of insurance.

3. In coastal cities or areas with many rains and typhoons, it is recommended to purchase wading insurance; Car damage insurance does not cover the damage caused by water ingress into the engine, so if you often drive in areas that are prone to water accumulation, it is a very good choice to purchase wading insurance; However, the vehicle must not be started a second time when it is wading in water, otherwise the insurance company will not pay anything.

4. In addition to the recommended plan for new and old drivers, some additional insurance needs to be bought according to the actual situation; Cars that are more than three years old may need to buy a spontaneous combustion insurance, which can be done within 200 days, but friends who are ready to change cars choose to ignore it; The controversy of the whole car theft insurance is too big to recommend buying, and only when the whole car is missing can the insurance company pay for it.

5. The third-party liability insurance and the liability insurance of the occupants need to purchase the corresponding amount of insurance; With more and more local tyrants, the first personal injury compensation is getting higher and higher, the third-party liability insurance is best to buy 1 million or more, and the insurance amount of the car personnel liability insurance is best to choose 20,000 drivers and 10,000 passengers per person.

There is no cost-effective thought:

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 advisable for car owners to look at their old insurance policy, if it is the amount insured.

If it is insufficient, it is recommended to insure at least 200,000 yuan or more, 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.

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.

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