When buying car insurance for a new car in the second year, how to buy the most cost effective?

In addition to compulsory traffic insurance, you can also consider purchasing car damage insurance and third-party liability insurance for the second year of car insurance.

If conditions permit, you can consider purchasing deductible insurance.

Theft insurance, glass insurance and other additional insurance.

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.

If the third party on the car suffers personal or property damage, 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.

The official website shall prevail.

Cars are already an integral part of our lives. And the car has brought us a lot of convenience, when buying a new car, we all know that one year full insurance is a must, so how should we buy insurance in the second year?

I believe that by the time the policy is renewed in the second year, everyone has a certain understanding of the insuranceThe renewal can be arbitrarily matched according to your needs. Buy full coverage when buying a new car. All risks include natural insurance, theft insurance, wading insurance, etc.

In real life, you can say that you can buy these insurances if you want to, or if you don't want to buy them. Just follow your own collocation. So let's introduce a few ways to match insurance.

Basic protection type: compulsory traffic insurance plus three liability insurance

First of all, it has been a year since you bought a car, it can be said that your driving skills are quite high, so the model is not particularly expensive, you can buy basic protection insurance, the basic protection insurance is compulsory traffic insurance plus three liability insurance. We all know that compulsory traffic insurance must be bought, and the three insurances are responsible for compensating each other for vehicle damage, personal life, property, etc. And the amount you want to buy is also up to you, but I recommend at least 500,000 yuan of insurance when you buy it.

Economic protection type: compulsory traffic insurance plus car damage insurance plus three liability insurance plus no deductible

It can be said that this kind of matching is relatively cost-effective, and it is also one of the most matched programs when purchasing, and the car damage insurance is responsible for compensating for the maintenance cost of their own vehicles, and the purchase ratio is high. For newbies, it is very suitable to buy this kind of insurance. Regardless of the deductible, it means that there is an accident, and the insurance company will pay for all the property damage, regardless of the aspect.

Buying car insurance is a must-do for every car owner. How to buy the most cost-effective car insurance when it expires, you can also consult the insurance company's people. It is normal to buy a new car in a 4S store in the first year, and in the second year, there may be countless sales ** to call, and among these sales ** will also give you** and the like, you can also compare ** to see which one is more suitable for you.

You have to according to your needs. Because there are many types of insurance, it depends on which type of insurance you want to buy. As in general, it is enough to only buy compulsory traffic insurance in the second year, and there is no need to buy full insurance.

You won't need much money for a year to buy compulsory traffic insurance. You can go to the S store to buy it, and there is also a guarantee.

You can make a reasonable calculation through the understanding of car insurance, and then choose a reasonable **, or make a reasonable purchase according to the recommendation of some professionals.

In the second year, when you buy insurance, you can only choose basic protection insurance, compulsory traffic insurance plus three liability insurance, which is completely sufficient in daily life.

When buying car insurance, ask if there are any discounts or discounts so that you can spend less money.

How to buy a new car for the second year of insurance? A lot of car owners have bought the wrong one.

According to the answer to your question, how to buy car insurance for the second year is the most cost-effective:

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%.

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.

Finally, purchase other riders 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. If the value of a new car or car is higher, these types of insurance will generally be available.

If you are an old car and a skilled driver, you don't need to take out scratch insurance and glass insurance. How much is it that can be significantly insured for a year without deductible?

The specific regulations are as follows:

1. Compulsory traffic insurance is generally 950 yuan, but it follows the floating rate mechanism, and the minimum can be reduced by 30%;

2. The individual glass breakage insurance is determined by distinguishing between imported and domestic;

3. The liability insurance of the personnel on the vehicle is determined by the maximum compensation limit of each person on the vehicle; Reduce car insurance losses.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Remind car owners to pay attention to the expiration date of the annual car insurance, otherwise the vehicle will be out of insurance when the insurance expires, and the vehicle will be no longer protected. It is recommended that the car owner should renew the insurance 5-10 days in advance, so as to avoid the situation that the traffic accident will occur after the insurance is released and the compensation cannot be paid. In addition, renewing the policy after a certain period of time may face an increase in the rate, which is also not cost-effective.

In addition to the compulsory traffic insurance that is required by law in the second year, a new car can optionally purchase some commercial car insurance. When choosing commercial auto insurance, don't covet the level of protection costs, and rationally choose the type of insurance corresponding to the risk with a higher incidence. At present, vehicle insurance is based on the annual insurance situation, and there is a discount system in the insurance company's pricing system.

After purchasing this insurance, if you report a traffic accident to the police, the insurance company will assess the damage and determine the amount of compensation as soon as possible.

The types of insurance to be purchased in the second year can be divided into two categories:

1. Compulsory traffic insurance;

Compulsory traffic insurance is mandatory, because it is levied by the national policy, this does not need to be considered, it must be bought;

2. Commercial insurance.

Commercial insurance is divided into many types, and you can choose the type of insurance appropriately according to your own situation, and which types of insurance you need to buy;

3. Third-party liability insurance is referred to as three responsibilities, mainly to compensate the other party, many car owners will choose to buy 500,000 or 1 million three responsibilities, which is a guarantee for themselves.

Compulsory traffic insurance: Whether it is the first year, the second year or the following years, the car owner should have to buy compulsory traffic insurance, because the compulsory traffic insurance is mandatory for car owners to buy by the state. The premium of compulsory traffic insurance is the national unified standard income, which is linked to the number of accidents in the first year of the car owner, if the car owner has not been out of insurance in the first year, the premium will be lowered, and the premium will be increased if it exceeds two times.

4. Car damage insurance: As the main component of commercial insurance, car damage insurance must be purchased in the second year. Because once a traffic accident occurs, more or less the vehicle will be damaged to a certain extent.

From scratches on the body to damage to the engine. Therefore, no matter what time the car owner is, it is necessary to purchase car damage insurance.

5. Excluding deductible insurance: Excluding deductible insurance is also one of the types of commercial insurance. When the car owner has purchased the deductible insurance, if the vehicle is damaged due to an accident, the car owner can directly drive to any repair shop for repairs, and then take the follow-up invoice to compensate the insurance company after the car is repaired.

If you have deductible insurance, the insurance company will pay you the full amount, but if you don't, the insurance company may only pay you a partial compensation.

How to buy car insurance has always been a puzzle for many car owners.

It's not easy to make money, and it's even harder to keep a carIf you feel sorry for your car, you bought the "full insurance" in the first year, and found it in the second yearSome car insurance is not used at all, and it always feels like a loss. Actually,More car insurance is not always betterYou have to buy it according to your own situationThe following senior sister will teach you:

How to buy car insurance to be more cost-effective? Senior sister will give you a cheats first:

Buy too much and waste, buy less and suffer a loss! How much does it cost to buy car insurance a year?

The main plan includes:Car damage insurance, third-party liability insurance, full vehicle theft insurance, vehicle personnel liability insurance,Riders include:What do major commercial auto insurance policies cover? Just look at the picture. Which car owners are suitable to buy? The senior sister also made a brief introduction.

What are the types of car insurance? Do you want to buy them all?

In order to make the subject more trouble-free, the senior sister summed up the three most widely applicable car insurance plans overnight:

1.Basic protection type (compulsory traffic insurance + third-party liability insurance 1 million + excluding deductible insurance).

Option 1Suitable for three types of people: An old driver who is confident in his driving skills; Old cars with relatively low vehicle values; Car owners with a small budget. For only about 1,500 yuan per year, you can get compulsory traffic insurance, third-party liability insurance of 1 million yuan and deductible insurance.

2.Economical and practical (compulsory traffic insurance + third-party liability insurance 1 million + excluding deductible insurance + car damage insurance).

Option 2 is suitableNovice drivers or vehicles are more valuablesituation. The probability of an accident for novices will be very large, especially now that the density of vehicles in the city is so high, it is easy to hit other cars, plus the new car is more loved by everyone, and the accident must be repaired, and car damage insurance is very necessary.

3.Comprehensive protection type (compulsory traffic insurance + car damage insurance + full car theft insurance + deductible insurance + scratch insurance + wading insurance + spontaneous combustion insurance + unable to find a third-party special insurance).

The comprehensive protection plan is suitableNot bad for money or insecureof car owners, this set of programs willThe loopholes of car damage insurance are covered. Wading insurance can cover the damage to the engine due to flooding, rainstorm or typhoon, and the engine cannot be started. On-board liability insurance covers drivers who often have friends and relatives to ride.

At the same time, the necessity of not being able to find a third-party special insurance is reflected in the fact that the risk can be transferred to the insurance company when the car is scraped and the culprit cannot be found when the car is scratched.

1. The fewer claims you make, the better the discount.

Many car owners because they have purchased vehicle insurance, as long as there is a traffic accident to find the insurance company to make a claim, timely is a relatively small bump, is no exception, they think that there is an insurance company to settle the claim they have paid a lot of money.

In fact, it is not the case, remind everyone that the premium when renewing the car insurance in the second year is directly related to the number of claims made by the car owner in the previous year.

On the contrary, if the owner has not had a single insurance, he can also enjoy some discounts on the basis of the original benefits.

2. It is best to purchase the premium in full.

When buying vehicle insurance in the second year, it is best for the car owner to choose the full premium, and the general insurance company will provide the car owner with two renewal options, one is to purchase the premium in full according to the purchase price of the new car, and the other is to discount the car.

The old fee is used as a premium. Because after the car parts are damaged, the repair shop generally provides brand new parts, if the car owner is fully insured according to the purchase price of the new car, you can get a full claim. Conversely, if the owner follows.

If you insure your car at the depreciation price, you may not get the full amount of your claim. Therefore, if the car owner wants to enjoy the full amount of the claim after the replacement of the part, the premium must be purchased in full.

3. Choose a good insurance channel.

How to renew car insurance in the second year is more affordable, it can be said that the benevolent and the wise see the wise, but I recommend Ping An online car insurance to everyone, because Ping An online car insurance does not have an intermediate ** overcharge, it belongs to the direct sales model, so it is said to be the right car.

Mainly, you can save more money by choosing this way. Moreover, Ping An's online car insurance insurance application method is also quite convenient, car owners only need to log in to Ping An's official website, open the page and enter the information step by step according to the above prompts.

You can quickly complete the renewal process of the car, which can greatly save the time of car owners.

4. It is important to renew the insurance in a timely manner.

In the second year, I have a better understanding of how to choose the most cost-effective issue for car insurance renewal, and finally I have to say a wordy sentence, that is, car owners must remember to renew the insurance in time, do not postpone, and do not let the car insurance renewal out of the gap. Because of the car.

If you don't renew your insurance in time, it means you may have to go on the road naked. In the event of a traffic accident, all the responsibility is borne by yourself. In particular, if the renewal of compulsory liability insurance is delayed, the premium is also possible at the time of renewal**.

Target. How to buy the best car insurance for the second year? After reading the above article, do you have a feeling of sudden enlightenment?

In fact, as long as you learn more about renewing car insurance, it is also very easy to renew your car.