Absolutely will not suffer a loss How to buy car insurance is the most money saving

There is no absolute good deal or the most cost-effective. On-demand insurance is fundamental!

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.

There are several types of insurance that are recommended to purchase:

1. Compulsory traffic insurance. This is a type of insurance that must be purchased by the state. As long as the borrower buys a car, compulsory traffic insurance is a must-buy insurance, and there is no negotiation.

2. Third liability insurance. In terms of compensation, the amount of compulsory liability insurance is relatively low, and if the borrower has purchased third liability insurance, the amount of compensation after the accident will be relatively high.

3. Whole car theft insurance. After the purchase of a new car, it must be a pain like a baby, especially a good car, of course, it is afraid of being stolen and robbed, and it is necessary to buy the whole car theft insurance at this time. With the guarantee of this insurance, the borrower does not have to worry about the new car being stolen and robbed.

4. Vehicle loss insurance. This is one of the most common types of insurance purchased for new cars, and if the car is used in the future, it can be claimed if it is hung up and bruised, etc., so as to reduce the loss of the borrower on the way to the car.

5. Deductible insurance is not included.

There are many kinds of car insurance, and you can get a tax refund for a single payment, and you can pay a single business after you finish it, chexian1211, so that it is the cheapest to buy, and it will save you hundreds directly.

For a long time, for the choice of car insurance, whether it is a new or old driver, the sound of discussion and questions has never stopped. So, there are so many types of car insurance, which ones are necessary to buy and which ones are not suitable to buy, don't worry, after reading this nanny-level guide, you will become an "old driver" in seconds.

What is the car insurance that I buy every year?

If you want to figure out how to choose car insurance, you must first understand what the role of different types of insurance is. The car insurance we insure is divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance, as the name suggests, is a must for every car owner, and it can not be on the road if it is not bought, but it can only protect the car owner's liability for personal **, medical expenses and property damage caused by a third party.

Commercial insurance is divided into three main insurances and a variety of additional insurances.

Three major commercial main insurances:

1. Third party liability insuranceAlso known as three-party insurance, the protection liability includes compensation for personal and property losses of a third party, and when choosing the insurance amount of the three-party insurance, it should be combined with the local compensation standard and its own economic level, and appropriately increase the insurance amount of the three insurance within the scope of ability.

2. Car damage insuranceIt is to protect your car from loss, and is mainly responsible for paying for the loss of the vehicle itself caused by natural disasters or accidents, and does not fall within the scope of exempting the insurer from liability. Whether to choose car damage insurance also needs to be based on their own vehicle type, car condition, etc., if you want to give your car better protection within the scope of your ability, car damage insurance is very worthy of consideration and choice.

3. Seat insuranceThat is, the liability insurance of the personnel on the car, the first protection of the insured vehicle personnel, the driver, the passenger seat can be separately insured, according to the proportion of accident liability for compensation, support Duan Bu customers to choose according to their needs, 5,000, 10,000, 20,000, 30,000 .......500,000 yuan, flexible insurance with multiple levels of insurance.

The existence of additional insurance is to make up for the remaining needs to the greatest extent and provide all-round protection for car owners.

Should all of the three major commercial main insurance be insured?

Different people have different ideas about the choice of commercial auto insurance, some people think that there is no need to buy commercial insurance, only compulsory traffic insurance is enough; Some people also believe that the three major commercial main insurance should be bought, and all of them are indispensable ......However, how to apply for insurance depends on your actual situation. In the following three cases, please enter the front seat with the right number:

1) Compulsory traffic insurance + third-party liability insurance: suitable for old drivers with limited budget or low vehicle value.

2) Compulsory traffic insurance + third-party liability insurance + car damage insurance: suitable for novices or friends with expensive vehicles, whether it is an accident or driving a car by yourself, you can get protection.

3) Compulsory traffic insurance + third-party liability insurance + car damage insurance + seat insurance: Novices who often have to carry relatives and friends or friends with more expensive vehicles can add another seat insurance.

What are the dazzling commercial surcharges?

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How to buy car insurance is the most cost-effective, mainly related to your own car insurance purchase channels, the type of insurance you choose, and the number of times you drive out of insurance.

Select the purchase method].

Applying for car insurance through online channels saves 15% of the cost compared with traditional channels, and you can enjoy the same claim service as traditional channels, with large discounts, safe and reliable.

Main insurance type selection].

The main insurance is divided into car damage insurance, theft insurance, third party liability insurance and vehicle occupant liability insurance. Because it is a new car that has just been bought, the owner will be more concerned at first, coupled with a lack of confidence in his driving skills, etc., the first year of car insurance will often be more complete. After all, the car has been driven for a year, the driving skills are proficient, and the car has a certain understanding of the situation of the car, so some unnecessary or cost-effective insurance, the owner can choose not to buy.

For example, if you live in a city and have a safe parking place at home and work, then the car owner can not consider theft insurance. Generally, families will buy some accident insurance, and the car personnel liability insurance is slightly in conflict with the former, in case of accidents, its compensation is very low, if you do not often run the highway, the car personnel liability insurance can not be on.

Rider Options].

Common additional insurances mainly include scratch insurance, glass breakage insurance, spontaneous combustion insurance and special engine loss insurance. Scratch insurance is generally only available to new cars that are less than three years old, which is quite practical, but the premium is not low, and the owner can decide for himself according to the actual use of the car. Glass insurance is worth recommending, because 35% of the area of the whole car is glass, and it is not uncommon for the glass to be injured by stones while driving, and the ** of the car glass itself is not bottom, so it can be on it.

As for spontaneous combustion insurance, I don't think it means much for new cars, after all, spontaneous combustion is rare for new cars. The engine special loss insurance is what we often call wading insurance, as long as the owner does not take risks, it is almost useless.

Enjoy more preferential terms].

The level of the premium has a lot to do with the number of occurrences and the amount of claims made in the previous year. According to the regulations, as long as the car owner does not have any violation records, insurance situations and claims within one year, the car owner will receive a reduction in the premium of commercial insurance and compulsory traffic insurance when renewing the premium in the second year, and will also be listed as a high-quality customer by the insurance company to enjoy car insurance discounts.

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

Vehicle damage insurance means that the insured or its permitted driver has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range; 3. Third party liability insurance. Third-party liability insurance refers to the direct damage to the person or property of others other than the driver and passengers of the car in the accident, which shall be compensated by the insurance company in accordance with the regulations; 4. Deductible insurance is not included. The full name of the deductible insurance is the special clause without deductible, which is a kind of additional insurance.

Which way to buy car insurance now:

First of all, compulsory traffic insurance must be purchased, the premium is unified across the country, and good service and fast claim settlement are the first choice.

Secondly, there are differences in the rates of the same type of insurance in different insurance companies, and there are also differences in the premiums of the business department, **, online, and ** car insurance.

Third, choose a reasonable type of commercial insurance. The most important thing is to choose the most cost-effective type of insurance that needs to be insured according to your actual situation, and the principle of selection is to insure with a high insurance rate, and you can consider not insuring if the insurance rate is low.

For example: 1. For new car novices, there are more types of insurance to choose from, and it is best to choose "full insurance", which includes compulsory traffic insurance, third-party liability insurance, motor vehicle loss insurance, full vehicle theft insurance, vehicle personnel liability insurance, glass breakage insurance, body scratch insurance and special clauses without deductibles.

2. For long-distance operation, vehicles that have modified audio and electronic circuits, or more expensive vehicles, and vehicles that have been used for more than three years, it is recommended to buy spontaneous combustion insurance to be more secure.

3. Vehicle use.

For more than seven or eight years, you can consider not buying a full car theft insurance.

4. In areas prone to flooding, it is best to purchase special engine loss insurance (also known as "wading insurance") to ensure that the "loss caused by water ingress into the engine" is compensated. "Wading Insurance" is responsible for the economic compensation for the direct damage to the engine caused by water ingress caused by the vehicle wading on a waterlogged road or starting in water. But beware:

Do not force start after turning off the engine during driving, if the engine damage caused by the second ignition, the insurance company will not compensate.

Hello! To buy a good car insurance, you need to plan your insurance first, shop around, and finally choose the right insurance channel. Generally speaking, it is very convenient to apply for insurance online, and you can also comprehensively compare the **, service and other information of multiple insurance companies, and you can enjoy a 15% discount.

In addition, for the majority of car owners, we should focus on the consideration of compulsory traffic insurance, third-party liability insurance, car damage insurance, vehicle personnel liability insurance, deductible insurance and other types of insurance. The specific description is as follows:

1. Compulsory traffic insurance is indispensable. Compulsory liability insurance is a type of insurance that is mandatory to be purchased by the state, but the compensation scope of "compulsory liability insurance" is only for third-party losses and the compensation limit is limited. Compulsory traffic insurance** varies depending on the model of the car, but for the same model, the implementation of the national unity**, the compulsory traffic insurance for family cars with less than 6 seats is 950 yuan.

2. The third-party liability insurance needs to be in full. The amount of third-party liability insurance is generally available in 8 grades, including 200,000 yuan, 300,000 yuan, 500,000 yuan, and 1 million yuan. Judging from the current traffic accident compensation standard, it is more appropriate to choose an insurance amount of more than 500,000 yuan.

3. Car damage insurance must be on. Even if your driving skills are great, as the saying goes, "if you are not afraid of 10,000, you are afraid of what happens", you may touch or scratch it one day, and it will cost a lot of money to repair it at the repair shop, and you don't need to worry about car damage insurance.

4. On-board liability insurance must be insured. If you and your family are already insured by accident insurance and accident medical insurance, then as a private car, there is no need to take out on-board occupant liability insurance. However, if you often have different people in your car, it is best to take out on-board personnel liability insurance, and the maximum compensation limit of on-board personnel liability insurance is divided into several compensation levels:

10,000, 20,000, 50,000, 100,000.

5. Regardless of deductible insurance, you should choose. According to statistics, the most used types of insurance are car damage insurance and third-party liability insurance, through the insurance without deductible special insurance, in these two types of insurance to get 100% compensation for the loss you should bear.