How to buy car insurance cost effective, how to buy car insurance cost effective

It is enough to buy these 4 types of car insurance. The first is compulsory traffic insurance, if you want to go on the road, this must be bought. The second is third-party liability insurance, which is recommended to have an insurance amount of at least 500,000 yuan.

The third is that there is no deductible. The fourth is car damage insurance. As for what spontaneous combustion, glass, 4S specialization, etc., are not very useful, it is not recommended that you buy them, it is a bit of a waste of money.

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.

How to choose car insurance? How to match car insurance?

How to buy car insurance is cost-effective?

There are many car insurance purchase options, and it is actually decided according to the needs of our car, because no car insurance is the same.

It is not recommended to buy car insurance to buy full insurance, for our people, there is really no need for this, the province really wants to save. However, it is necessary to buy compulsory traffic insurance, which has been implemented since July 2006 in China, and if you do not buy weight, you will be detained. The following car insurance can also be purchased according to your own situation:

1. Theft and rescue, stealing cars and robbing cars is basically impossible, my country has cameras everywhere, there are "Skynet" everywhere, as long as you lock the doors and windows before leaving the car, don't drop valuables on the car, so that "don't show your wealth", you don't really need to worry.

2. Car personnel insurance, generally 50 compensation 20,000 insurance amount is too low, Que Liang file is better than buy an ordinary accident insurance, the insurance amount is much higher.

3. Glass insurance, but not all car glass is within the scope of the claim, only the front windshield is compensated, and the glass on the sunroof, rearview mirror, and headlights are not counted.

4. Third party liability insurance can be purchased according to your own situation. The compensation limit of each accident of third-party liability insurance is divided into 7 levels: 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, and 1 million yuan.

The policyholder can negotiate with the insurer to determine which grade to choose when signing the insurance contract according to the need.

Notes:

1. If the driver is an old driver, car insurance only needs two of them: compulsory traffic insurance and third-party liability insurance. If you're a newbie, you can also buy a car damage insurance.

2. There is no commission cost for purchasing ** car insurance, and it can save intermediary fees, which will naturally have obvious advantages, which has accounted for two-thirds of the current private car commercial insurance coverage.

Usually it is most cost-effective to purchase compulsory insurance, third-party liability insurance, and car damage insurance. There are a number of reasons for this:

1. Due to the appropriate cost, the loss of the car of itself and the other party can be guaranteed;

2. Among them, compulsory traffic insurance is mandatory insurance, and the owner must buy compulsory traffic insurance when buying a car.

Extended information: 1. Third-party liability insurance: In the event of a collision accident, not only our car is injured, but also with us.

If you buy three insurance, then this compensation will be borne by the insurance company, usually the purchase of three class reputation insurance is all 1 million, such a high amount of compensation is enough to cover most of the compensation.

2. Car damage insurance: The role of car damage insurance is very large, especially when your own car has an accident, such as accidentally touching the car when reversing, and the third-party liability insurance is not effective at this moment, you can only use the car damage insurance to make a claim.

3. Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

4. Automobile insurance is a kind of property insurance, in the field of property insurance, automobile insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of automobile insurance and development.

5. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the automobile is the main insurance, and gradually extends to the risk of collision loss of the body.

6. A type of insurance widely carried out in China is an insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

It is more cost-effective to buy vehicle insurance in this way: 1. First of all, it is preferential to purchase sufficient third-party liability insurance. Because the car is broken, it's a big deal to take the bus, and the person is injured, but he has to spend money to treat it.

Of course, third-party liability insurance does not need to be too high, which can be determined in combination with the economic conditions and living standards of your city; 2. Secondly, after buying enough car personnel insurance, consider purchasing car damage insurance. If you are driving and you have not bought other accident insurance and medical insurance, it is recommended to give yourself a 100,000 yuan driver insurance as medical expenses. As for passenger insurance, if you are going to pick up your children to school frequently, you can insure a little more, such as 5-100,000 seats.

If you just drive to work alone, it is more economical to insure 10,000 yuan per seat. If you are confident in your driving skills, you can buy less car damage insurance. But if it's a novice, it's recommended to buy it; 3. Finally, I would like to remind you that the annual car insurance premium will be determined according to the number of accidents in the previous year, and the more insurance times, the more expensive it is, so driving safely is really saving you money.

1.Buy car insurance through**.

**Car insurance is a common way to buy car insurance. Car insurance costs less than the usual way to buy car insurance, and there are often discounts. This is because car insurance has canceled the intermediary method of the merchant, and consumers can directly buy car insurance, so it is more preferential.

At present, the insurance company has opened a special line for the purchase of car insurance**, and consumers can call ** to purchase.

2.Different car brands have different car insurance**.

For cars of the same price, due to different brands, the ** of car insurance is also different. For example, in the same price range, Buick's car damage insurance cost is the lowest, while Japanese cars are more expensive. Why is this happening?

It also has to do with the quality of the vehicle itself. For example, the treatment of German cars generally involves Japanese cars. In addition, it should be reminded that some models of car insurance will have restrictions, and if the owner does not accept it, the premium may also be **.

3.The fewer claims you have, the better it is. This situation is mainly for newer vehicles.

Renewal of car insurance** is mainly based on the vehicle accident situation in the previous year. The fewer accident records there are, the more it will cost to renew at the end of the month. How low?

If you don't show up in the previous year, you can get a 10% discount on the renewal fee for the second year. The better the car's claims record, the higher the premium discount offered by the insurance company, up to a maximum of 50%.

In addition, it should be reminded that when the vehicle is updated, consumers can shop around and choose the most cost-effective one to insure the company.

4.Buy in a variety of ways.

Currently, there are many ways to buy car insurance. In addition to the above** accident insurance, consumers can also purchase it online. Buying car insurance online can give you a premium discount of about 15%.

Alternatively, group car insurance can also be considered. How do I buy a group? You can join the car club and buy car insurance with other car owners, and you can enjoy a 10% 25% discount.

As long as the novice driver who has the ability to buy a car for the first time generally does not know much about insurance issues, it is easy to be required by the 4S store to have a direct one-time insurance in this store. However, some car owners will react and find that they seem to have spent a lot of insurance money, and in the end they did not use these insurances, so it is more cost-effective for car owners to directly call ** to the relevant insurance companies.

Purchase the basic insurance in full and the riders as appropriate.

When buying insurance, car owners can choose the right local branch insurance combination according to their own needs, and the budget needs to be based on their own economic strength.

How to buy cost-effective, there are the following points:

1.Be sure to find a qualified channel to purchase car insurance. Discounted or not, making sure it's official is the first rule to look out for when buying insurance. Once you've made sure you've made sure you've made sure you've made sure you've got a regular channel, you can find more channels to quote your travel price so that you can choose the most suitable channel for car insurance.

2.Car insurance can be divided into two ways: online car purchase and offline car purchase.

1) Online purchase.

Official** can be operated directly in the insurance company, APP, WeChat official purchase. For example, PICC, Ping An, Pacific, Zhongan, Anxin, Sunshine and other insurance companies all have cost-effective car purchase solutions. In addition, a third-party auto insurance platform is also a good option.

For example, Alipay, Xiaomi Finance and other platforms.

2) Offline purchases.

In general, there are fewer ways to buy offline than online, but there are a variety of options to choose from. Offline outlets of insurance companies, ** car insurance of insurance companies, 4S auto-related markets and third-party ** merchants, such as shops, car washes, auto repair shops, etc., can all purchase formal insurance through these channels.

3.Pay more attention to promotions. In response to the call of the state, some large insurance companies have carried out New Year's car insurance, Mid-Autumn Festival car insurance and other wax stool activities from time to time. At this point, there will be discounts and gifts for insurance. Customers in need can pay more attention.

How to buy car insurance cost-effective?

1. Selection of car insurance typesCompulsory traffic insurance, third-party liability insurance, and car damage insurance must be bought, and don't ignore the importance of these three car insurances in order to save money.

Scratch insurance, spontaneous combustion insurance, wading insurance and deductible insurance can not be bought, and the owner can choose according to his financial ability.

Second, the choice of purchase channelsCar insurance** purchased on the official website of the insurance company is the most cost-effective, generally 15%-30% cheaper than the purchase through normal channels; Secondly, you can choose ** car insurance or go directly to the insurance company to buy. Generally speaking, intermediaries and 4S stores are the most expensive to buy car insurance**.

Third, multi-party comparisonBefore purchasing, you can compare the **Dongzhou of each insurance company and choose the **more preferential one.

Fourth, pay attention to claims and renewals1. Deal with it yourself, find an insurance company and spend time and effort, and leave a case record of insurance.

2. It is recommended to renew the insurance about 5 days in advance.

3. Be sure to go to a regular insurance company or ** institution to handle it.

The state compulsorily purchases compulsory traffic insurance, and other types of insurance are voluntary (except for compulsory traffic insurance, other types of insurance are basically commercial insurance). Insurance should be based on your actual needs. Among the four major car insurance (basic insurance), vehicle damage insurance, third-party liability insurance, and vehicle personnel liability insurance have the highest insurance ratio, and you can purchase vehicle theft insurance according to your personal situation.

Many friends will basically buy insurance in 4S stores when they buy cars, but the insurance in 4S stores will be a little more expensive. After all, the 4S store will take a commission, so we can buy insurance directly online after buying a car. In this way, it is more cost-effective to earn the price difference without middlemen, and it is more convenient and faster to inquire about the policy payment in the later stage (when choosing a car insurance product online, you need to choose the official website and official insurance of a regular insurance company**, rather than ** as the only selection criterion).

When buying a car, the two biggest expenses are maintenance and car insurance. Car insurance includes a variety of coverages, including primary and riders, divided by risk.

Separate glass breakage insurance, spontaneous combustion loss insurance, and new equipment loss insurance are additional insurances to the body loss insurance, which can only be insured after the car loss insurance. Vehicle liability insurance, no-fault liability insurance, vehicle cargo fall liability insurance, etc. , which is an additional envy insurance for third-party liability insurance, which must be insured before these additional insurances can be insured; Each risk can be insured independently, regardless of deductible.

"Deductible insurance" is a kind of commercial insurance, which is an additional insurance to car damage insurance or third-party liability insurance, which must be insured with the main insurance as a precondition for insurance, and cannot be insured separately. For example, if you have an accident and need to compensate for the cost of 1,000 yuan, the insurance company normally needs to compensate you for 80% of the loss fee, that is, 800 yuan, if you buy the deductible insurance, then you will transfer the remaining 20% of the amount you need to compensate to the insurance company, so you can get 100% compensation.

Millions of car purchase subsidies.

Summary. Car insurance is cost-effective to buy in this way, first buy compulsory traffic insurance. 1. First of all, purchase compulsory traffic insurance; Compulsory Insurance:

Compulsory traffic insurance is a mandatory car insurance purchased by the state, and all motor vehicles must purchase compulsory traffic insurance before they can drive on the road. 2. Sufficient third-party liability insurance: The third party of all types of auto insurance is the most important.

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 on-board personnel: Liability insurance for on-board personnel is the main insurance for vehicle commercial insurance, and its main function is to compensate for the insurance of the personnel in the vehicle caused by traffic accidents, and the insurance amount for 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.

Car insurance is cost-effective to buy in this way, first buy compulsory traffic insurance. 1. First of all, purchase compulsory traffic insurance; Compulsory traffic insurance: Compulsory traffic insurance is a mandatory car insurance purchased by the state, and all motor vehicles must purchase compulsory traffic insurance before they can drive on the road.

2. Sufficient third-party liability insurance: The third party of all types of auto insurance is the most important. 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 personnel on the car: The liability insurance for personnel on the vehicle is the main insurance for the commercial insurance of the vehicle, and the main function is to compensate the personnel in the car who are guessed by the vehicle due to traffic accidents, and the insurance amount for 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.

Car insurance** purchased on the official website of the insurance company is the most cost-effective for bending burn, which is generally 15%-30% cheaper than the purchase through normal channels; Secondly, you can choose ** car insurance or go directly to the insurance company to buy it. Generally speaking, intermediaries and 4S stores are the most expensive to buy car insurance.