Buy car insurance insurance, buy car insurance

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 recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, 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. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

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.

Summary. Hello dear! 2022 Car Insurance**Detail 1, Compulsory Traffic Insurance is 950 yuan for the first time, less than 6 seats.

Follow the floating rate mechanism, with a minimum reduction of 30%. 2. The car damage insurance is determined by the sum of the fixed premium and the model ratio fee, which is almost 1,000 yuan. 3. The third-party liability insurance is determined according to the amount insured, and the insured amount of 50,000, 100,000 and 200,000 yuan can be bought, and 100,000 yuan is regarded as 600 yuan; It is recommended that the sum insured should not be less than 100,000.

4. The liability insurance of the personnel on the car is determined by the maximum compensation limit of each person on the car, and 10,000 yuan per seat is about 100 yuan according to the calculation of 5 seats. 5. The theft insurance is determined by the vehicle model rate cost, which is about 300 yuan. 6. The above four commercial auto insurance items add up to about 400 yuan without deductibles.

There are also some additional insurances, such as spontaneous combustion insurance of about 50 yuan; The glass breakage insurance is almost 100 yuan according to the domestic glass; Scratch insurance is determined by the insured price, about 300 yuan; And these three are almost more than 50 yuan without deductibles. If you buy full insurance, it is almost 4,000 yuan, but it is best to buy the corresponding insurance according to your needs.

Buy vehicle insurance.

Hello dear! 2022 Car Insurance**Detail 1, Compulsory Traffic Insurance is 950 yuan for the first time, less than 6 seats. Follow the floating rate mechanism, with a minimum reduction of 30%.

2. The car damage insurance is determined by the sum of the fixed premium and the model ratio fee, which is almost 1,000 yuan. 3. The third-party liability insurance is determined according to the amount insured, and the insured amount of 50,000, 100,000 and 200,000 yuan can be bought, and 100,000 yuan is regarded as 600 yuan; It is recommended that the sum insured should not be less than 100,000. 4. The liability insurance of the personnel on the car is determined by the maximum compensation limit of each person on the car, and 10,000 yuan per seat is about 100 yuan according to the calculation of 5 seats.

5. The theft insurance is determined by the vehicle model rate cost, which is about 300 yuan. 6. The above four commercial auto insurance items add up to about 400 yuan without deductibles. There are also some additional insurances, such as spontaneous combustion insurance of about 50 yuan; The glass breakage insurance is almost 100 yuan according to the domestic glass; Scratch insurance is determined by the insured price, about 300 yuan; And these three are almost more than 50 yuan without deductibles.

If you buy full insurance, it is almost 4,000 yuan, but it is best to buy the corresponding insurance according to your needs.

You can purchase specific insurance according to your needs. Compulsory traffic insurance is a must-buy, and other types of insurance can be chosen by yourself.

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How to purchase car insurance: 1. Purchase at insurance company outlets: Individuals can go to the insurance company's business outlets with SFZ and the previous year's policy, apply to the staff for purchasing insurance, fill in the insurance documents, and then pay the insurance premium.

2. Purchase on the official website of the insurance company: Individuals can log in to the official ** of the insurance company**, then find the car insurance column, then select the purchase option, and pay the fee, and then the official ** electronic policy can be.

Car insurance purchase.

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How to purchase car insurance: 1. Purchase at insurance company outlets: Individuals can go to the insurance company's business outlets with SFZ and the previous year's policy, apply to the staff for purchasing insurance, fill in the insurance documents, and then pay the insurance premium.

2. Purchase on the official website of the insurance company: Individuals can log in to the official ** of the insurance company**, then find the car insurance column, then select the purchase option, and pay the fee, and then the official ** electronic policy can be.

Kiss motor vehicle insurance, that is, car insurance, referred to as car insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents of motor vehicles. Auto insurance is a type of property insurance, which continues to develop and mature with the emergence and popularity of automobiles. In addition to the compulsory traffic insurance that the state compulsorily requires motor vehicle owners to purchase, other motor vehicle insurance is divided into two categories.

These two types of insurance include two types of basic insurance: one is basic insurance, including vehicle loss insurance and third-party liability accident insurance, and the other is the additional insurance voluntarily insured by the owner, mainly including the whole car theft insurance, on-board liability insurance, glass breakage insurance, spontaneous combustion loss insurance, excluding deductible special insurance and other types of insurance.

Car Insurance Classification. Commercial 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 third party 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.

Dear, there are generally a lot of ** car insurance salespeople who take the initiative to contact you!

When the time comes, you can compare the same car insurance of each company, and choose which one has the advantage over there. At the same time, it is necessary to choose a large insurance company to have follow-up protection.

Ping An of China 24-hour national customer service**: 95511 Chinese Life 24-hour national customer service**: 95519 Pacific Life Insurance official 24-hour customer service**: 95500

These are all good, of course, you can also take the initiative to contact their customer service, all of them are the same, now it is very convenient.

Questions. How do they consult?

All of them are a**oh! Just tell them what you need.

They will all give you details**.

There are many options for car insurance, and it is actually decided according to the needs of our car, because there is no car insurance. It's the same, we can only provide a corresponding reference.

The most basic plan.

Compulsory traffic insurance + third-party liability insurance + car damage insurance.

Third-party liability insurance and car damage insurance are the most recommended types of insurance in car insurance, and this combination cost is moderate, in the event of an accident, you can get the most basic protection for your own losses and the losses of others.

The cheapest plan.

Compulsory traffic insurance + third-party liability insurance.

Third party liability insurance is a type of compensation for property and personal damage to third parties. For car damage insurance, if the driving condition is good, there will be no overhaul, then you can consider not buying, if you are a novice driving is recommended to buy, so that even if you accidentally bump your car, you will have a guarantee. This plan is the lowest plan, and it is more suitable for car owners with limited budgets and low car prices.

Best Practices. Compulsory traffic insurance + third-party liability insurance + vehicle damage insurance + driver's passenger seat insurance + whole vehicle scratch insurance.

The most basic solution plus scratch insurance can greatly reduce the risk of the car. Now that scratches on the body are common, you can buy these types of insurance to give your car more security.

4. The most comprehensive plan.

Compulsory traffic insurance + third-party liability insurance + + theft insurance + car damage insurance + whole car scratch insurance + driver's passenger seat insurance + spontaneous combustion insurance + car damage insurance can not find a third-party special insurance.

This plan has more theft insurance, car damage insurance, no third-party special insurance, and spontaneous combustion insurance than the best plan, and these three types of insurance can consider whether it is necessary to purchase according to the specific situation of the car. For example, when the age of the car reaches 3 years, there is a certain probability that each part will age, so you can consider buying it. Such an insurance plan can ensure that your car is foolproof.

Hello, when families buy insurance, they should follow two principles: first protect adults, then protect children: this is the correct order to buy insurance, children belong to vulnerable groups, no financial ability, only after the family has enough insurance, in order to transfer the risk to the greatest extent.

Set the amount of insurance first, look at the premium: the meaning of insurance is to avoid risks, if you are only greedy for cheap, choose a small amount of insurance, after encountering risks, insurance can not solve the urgent need, so you should choose enough insurance amount according to your own situation.

Car insurance can be purchased from the insurance company's salesman or Alipay.

There are many channels, insurance company counters, telemarketing channels, network channels, insurance intermediary channels, these channels can be purchased, and it is good to provide driving capital.

People have different risks and liabilities at different stages, so the insurance purchased at different stages is different.

General suggestion: children's insurance budget does not exceed the adult, buy insurance for children, 1-18 years old can buy critical illness insurance and accident insurance, the most important is basic medical insurance; People between the ages of 20 and 30 can purchase accident insurance and consumer critical illness insurance.

If conditions permit, you can supplement the medical insurance appropriately.

Ask me more.

For example, if you can pay for an insurance policy for 30 years, don't pay it for 20 years. Although it may seem that the total premium for 30 years is more than that for 20 years, after all, the 30-year instalment of each premium is less, the natural leverage is higher, and taking into account the inflation factor, it is often more cost-effective.

Therefore, the longer the premium payment cycle, the greater the actual leverage, and the lump sum payment of all premiums at one time tends to be the smallest. Of course, the one-time single sales commission is also quite high.

Within the range of affordable premiums, priority is given to transferring risks with high probability to insurance companies.

Many families buy whole life insurance that pays for death, but there is no medical reimbursement or critical illness insurance.

After all, before the average life expectancy in China, the probability of serious illness is much higher than the probability of death. Of course, whole life insurance does have a high sales commission, so many people are recommended.

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Auto insurance is divided into compulsory traffic insurance and commercial insurance, you can find a big insurance company to inquire, shop around to see which one has a discount.

There is no best insurance, only the best one for you. First of all, it is necessary to make it clear that the purpose of buying insurance is to buy the maximum protection with the least amount of money, and avoid the so-called financial products. Secondly, it is necessary to make it clear that the meaning of buying insurance is to pass on risks, such as disease risks, accident risks, etc.

Spending the least amount of money to solve the most urgent risks is the key to buying the right insurance and buying the right insurance for you.