I don t know what kind of insurance to give a newly bought Polo car, and how much insurance to choos

It is best to buy all the types of insurance for new cars, and the types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature. The types of car insurance can also be divided into basic insurance and additional insurance according to the scope of liability covered. Basic insurance includes third-party liability insurance (third-party insurance), vehicle damage insurance (vehicle damage insurance), vehicle occupant liability insurance (driver liability insurance and passenger liability insurance) and vehicle theft insurance (theft insurance); You can choose to apply for some of these types of insurance, or you can choose to apply for all of them.

Additional insurance includes glass breakage insurance, spontaneous combustion loss insurance, no-fault liability insurance, vehicle cargo fall liability insurance, vehicle suspension loss insurance, new equipment loss insurance, and special insurance without deductible. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

The commonly said compulsory traffic insurance (i.e., compulsory insurance for motor vehicle traffic accident liability) also belongs to the third-party liability insurance in a broad sense, which is the compulsory purchase of insurance stipulated by the state, and the motor vehicle must be purchased before it can be driven on the road, annual inspection, and listing, and when the third-party loss needs to be claimed, the compulsory traffic insurance must be paid first and then other types of insurance must be paid. Commercial insurance is an optional insurance that can be purchased according to the actual situation. In my case, the automatic transmission is as enjoyable as possible, except for the glass breakage insurance, spontaneous combustion loss insurance, no-fault liability insurance, on-board cargo drop liability insurance, vehicle suspension loss insurance, new equipment loss insurance, and the whole car theft insurance (theft insurance) did not buy, the rest were bought.

More than 5,000 meters, because the new car will have a lot of concerns, it is ripe, and the characteristics of the vehicle are fully controlled, and it can be adjusted according to its own situation. Hope it helps.

Full insurance, if you drive more steadily, the three are insured for 50,000 yuan.

Hello, the ** of car insurance is closely related to the type of car insurance insured. Car insurance is divided into compulsory traffic insurance and commercial insurance. Compulsory liability insurance is a compulsory insurance that must be purchased.

The premium of compulsory traffic insurance for ordinary private cars in the first year is 950 yuan, and if there is no insurance in the first year, the compulsory insurance in the second year will be reduced by 10%. Commercial auto insurance is divided into main insurance and additional insurance, and the main insurance mainly includes third-party liability insurance, car damage insurance, theft insurance and vehicle personnel liability insurance. Additional insurances include scratch insurance, wading insurance, spontaneous combustion insurance and no deductible.

If you want to be fully protected, in addition to compulsory insurance, you will generally insure several main insurances, and then add several additional insurances according to individual circumstances, and the premiums of these types of insurance together are about 5000-7000 a year. If you are a new car novice, it is recommended that you buy full insurance to give your car comprehensive protection, if you are a new car veteran, it is recommended that you purchase the main insurance in the commercial car insurance in addition to the compulsory traffic insurance, and supplement the additional insurance as needed, which can reduce part of the cost and protect the car at the same time. Hope mine is helpful to you.

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

In addition to compulsory traffic insurance and vehicle and vessel tax, it must be bought.

There are many types of commercial insurance, which are roughly as follows:

Car damage insurance: If you crash the car, the insurance company can show up to repair the car for you, insure the new car purchase price, and determine the insurance amount according to the brand model by the unified vehicle purchase platform.

Third-party insurance: (50,000, 100,000, 200,000, 300,000, 500,000, 1,000,000 optional) If you break someone else's things, the insurance company can help you pay, but only for direct losses, and medical treatment is only responsible for the part within the scope of medical insurance.

Separate glass breakage insurance: (some companies are divided into imported and domestic, ** different) your car glass is broken when there is no traffic accident, and the insurance company can replace it for you.

On-board occupancy insurance: In the event of a car accident, you can pay for the medical expenses of your own occupants of the car, and only cover the medical insurance coverage.

Spontaneous combustion insurance: If your car burns on its own due to oil circuit problems, the insurance company can lose money by depreciation and then 8% (if you are insured without deductible insurance, you can not get 8% off), and the insurance is based on the depreciation price.

Whole car theft insurance: the car is stolen, there is a certificate from the public security organ, can not be found within 3 months, according to the depreciation and then 20% off the loss (if the insurance does not count the deductible insurance, you can not get a 20% discount), insurance according to the depreciation price.

Excluding deductible insurance: If you do not insure the insurance, when the insurance occurs, 20% will be deducted from the full liability, 15% will be deducted from the main liability, 10% will be deducted from the same liability, and 5% will be deducted from the secondary liability (some companies are sold together, and some companies can be selected separately).

There are also some additional varieties (such as 4S store special insurance, scratch insurance, damage clauses for unknown reasons, waterlogged road terms, etc.), and the company's different varieties are also different, so you need to consult when applying for insurance.

What kind of insurance to buy is still to be considered by yourself.

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

Hello, motor vehicle insurance is an indefinite value insurance, which is divided into basic insurance and additional insurance, of which additional insurance cannot be insured independently. Basic insurance includes compulsory traffic insurance; Third Party Liability Insurance (Triple Liability Insurance) and Vehicle Damage Insurance (Vehicle Damage Insurance); Additional insurance includes full vehicle theft insurance (theft insurance), on-board liability insurance, no-fault liability insurance, on-board cargo falling liability insurance, glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance excluding deductibles. What we usually call compulsory traffic insurance (that is, compulsory insurance for motor vehicle traffic accident liability) also belongs to the third-party liability insurance in a broad sense, compulsory traffic insurance is a compulsory type of insurance, motor vehicles must be purchased to be able to drive on the road, annual inspection, and household, and in the event of a third-party loss needs to be claimed, must first pay compulsory traffic insurance and then pay other types of insurance.

First of all, compulsory traffic insurance, which is a must, and secondly, there are vehicle theft insurance, car damage insurance, deductible, vehicle safety liability insurance, scratch insurance, glass insurance, and third-party liability insurance on the new car. After the car insurance is fully purchased, it is recommended to choose a driver's accident insurance to supplement, and the car insurance is not insured.

Driver's Accident Insurance

Three liability 20w+ car damage insurance, more than 2 years of car plus natural insurance.

Plus the corresponding deductible.

Plus Overlord Insurance. Pretty much pulled.

It is recommended that the third-party liability insurance cover 500,000 yuan, plus wading insurance, and vehicle scratch insurance.

It is best to be in the 4S store, it is convenient to apply for insurance, you don't have to run the procedures yourself, and the 4S store ** is slightly higher.