How to buy car insurance is cost effective, how to buy car insurance is the most cost effective

First of all, look at the company, the service of different companies is different, ** is also different, when the car is out of danger, you will really feel it, so it is recommended to consider the company first, the brand.

Secondly, look at the protection, car insurance is the same as ordinary insurance, different ** have different protection, to name a few.

Car damage insurance: Determine the sum insured based on the actual value of the car, not too low, because when it comes to total loss, the damage assessment is based on your sum insured.

Three-party insurance: This is to compensate for the loss of people and property of the other party, first consider the risk of the place where you drive, if it is a big city, it is natural to buy a high point, because the compensation of personal ** is determined according to the income level of the person, if you often go to the field, the same, the risk is much higher.

Theft insurance: The compensation is determined according to the compensation limit you purchased, but it is not the only factor, and it is recommended to choose moderately considering the depreciation of the vehicle and the complete information.

In addition, scratch insurance is recommended not to buy for more than 3 years, the car has been driven for two or three years, it is already very old, there is no need to buy scratches, of course, if it is kept very new, you can also buy it.

Spontaneous combustion is recommended to buy a car more than 5 years old, and general cars will not spontaneously combust for less than 5 years.

Purchase channels: Now many channels can buy car insurance, and even a lot of ** to harass, it is recommended to buy in regular stores, do not believe ** sales, such as insurance company stores, 4S stores can be.

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

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.

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.

It is cost-effective to buy car insurance, and it is cost-effective to only buy compulsory traffic insurance, car damage insurance, and commercial insurance!

I don't talk nonsense, depending on what kind of car you drive, what road you take, and what things are prone to happen. In addition to those that must be bought, buy those things with a high probability to buy

It's best to buy insurance before you have an accident.

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.

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.