How to buy insurance for a new car, and should the insurance strategy be different at different stag

For how to buy at different stages, in addition to the selection method of novices said by the owner of LS. For the type of "old" driver driving a new car, you can add car damage insurance, commercial third-party liability insurance, theft insurance, glass break insurance, vehicle personnel liability insurance, and scratch insurance. If the "old" driver drives an old car, the car insurance required is the least, generally only need to buy car damage insurance, commercial third-party liability insurance, car personnel liability insurance and other 3 kinds, although it is an old car, but also after a large collision should be repaired, so it is essential to insure car damage insurance, although it is an "old" driver, has rich driving experience, but it is inevitable that there will be accidents, in order to protect themselves, it is also necessary to insure the car personnel liability insurance.

It is recommended to buy full insurance for new cars, 7% off commercial insurance in the second year of no insurance, and 9% off for compulsory traffic (specific car damage, theft, third party, car personnel, glass broken separately, not counting deductibles), forced traffic and vehicles and ships are must-buy, not to mention.

All I know is how a newbie should choose a car insurance ......Hope it helps!

Novices driving a new car, it is inevitable that there will be some bumps and bumps, and it is necessary to give the car a comprehensive guarantee. In addition to the compulsory insurance, you can buy 8 kinds of car insurance, if the novice is driving an old car, in addition to the compulsory insurance, as long as you buy 4 types of insurance, such as car damage insurance, commercial third-party liability insurance, car personnel liability insurance, and special insurance without deductible. Even if the glass of the old car is cracked, as long as it does not affect the driving, the glass breakage insurance can not be guaranteed.

There are several things to know about car insurance and how to buy insurance for different models:

1. Compulsory traffic insurance. Compulsory traffic insurance is a compulsory insurance for every car owner in China. Therefore, compulsory traffic insurance is a must for every car;

2. Car damage insurance. Car damage insurance refers to the insurance company to compensate for the damage caused by an insured accident when the insured vehicle is insured, that is, to protect the loss of your own car. This type of insurance is especially important for new car owners who have just bought their first car or who usually drive aggressively and quickly;

3. Third party liability insurance. Third party liability insurance is the opposite of car damage insurance, which is a payout for a third party. That is, compensation for the direct loss of person** or property suffered by a third party in the event of an insured event.

Third-party liability insurance can also be said to be a supplement to compulsory liability insurance, compared with compulsory liability insurance, the amount of compensation paid by third-party liability insurance is relatively large;

4. Scratch insurance. For new cars, car owners will take care of them, and a little scratch will be distressed. If you have scratch insurance, at least you don't have to spend money on repairing your car.

It is especially recommended to buy new cars and new drivers, because in the state of not being familiar with the vehicle, road conditions, and environment, it is inevitable that small scratches will occur, and at this time, scratch insurance comes in handy. The scratches are repaired, and the appearance of the vehicle is ensured under the premise that the owner does not have to bear the cost;

5. Deductible insurance is not included. What insurance should I buy for a new car? We all know that in many accident compensations, the insurance company has a 5%-20% deductible odds.

If you purchase deductible-free insurance, you will be compensated in full. However, it should be noted that the deductible insurance is an additional insurance, which must be attached to the corresponding main insurance to be insured, and cannot be insured separately;

6. The insurance purchased for new cars generally includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Commercial insurance consists of two parts: basic insurance and additional insurance.

Most new car owners will purchase commercial insurance such as vehicle loss insurance, third-party liability insurance, full vehicle theft insurance, and vehicle personnel liability insurance. After purchasing the basic insurance of commercial insurance, you can add additional insurance if necessary, such as car damage insurance, you can purchase glass breakage insurance, spontaneous combustion loss insurance, wading insurance, etc. The rest of the insurance to buy can be decided according to your needs.

It can be said that the standard of living is much higher than in previous years, and it is in this form that many families can easily buy a car. Buying a car is actually improving the quality of life, and you don't have to worry too much about travel with it. Compulsory traffic insurance, the full name of which is "compulsory insurance for motor vehicle traffic accident liability", is essentially ...Third Party Liability Insurance, commonly known as "subsistence allowance" in the industry, isState mandatoryIt is a type of insurance to be purchased mainly to protect innocent injured people from being compensated.

The main insurance of commercial insurance mainly refers to car damage insurance, three liability insurance, full vehicle theft insurance and vehicle seat insurance; Commercial insurance additional insurance mainly refers to spontaneous combustion loss insurance, wading insurance, glass breakage insurance and deductible insurance. The coverage of each type of car insurance is also different. Personnel liability insurance, including the driver, that is, the insurance of five seats, in case of a traffic accident, the person in the car can be injured after a certain amount of claims.

First of all, as a teacher, a road traffic tool or a means of transportation, the state is a mandatory car, a buy insurance, this system or the system we are talking about is compulsory traffic insurance, this thing must be bought, at present, because the zero ratio of the car is generally high, casual to the 4S shop repair ** is not low, so car damage insurance can be said to be the most expensive type of insurance; If your car is more expensive, especially those luxury cars, you must buy a damaged car, otherwise the high repair costs will definitely scare you to death.

All types of insurance other than compulsory traffic insurance are called commercial insurance, should you buy this? Then we have to understand that the reason why we buy is to use it, so we must make a model to understand under what circumstances it can be used! Many newcomers, car insurance, must buy compulsory insurance, this is the mandatory liability insurance stipulated by the state.

In addition, car damage insurance, third-party liability insurance, and deductible insurance are also recommended, while glass insurance, scratch insurance, etc. can be decided whether to purchase according to your own needs.

1) Compulsory traffic insurance: The law stipulates that all motor vehicles driving on public roads are required to purchase compulsory traffic insurance. So this is a must-have insurance for all car owners, if you don't buy this insurance, even if your new car can get on the road, you will be fined if you are caught by the traffic police, and you will be allowed to buy compulsory traffic insurance.

2) Car damage insurance: Car damage insurance is the most widely claimed type of insurance, whether the vehicle is a collision, overturning, or a quick or smashed, the insurance company must settle the claim in accordance with the provisions of the contract.

3) The third mu of distressed liability insurance: this is a traffic accident, the insurance company can compensate the third party for the loss of the insurance, in case of unfortunate collision with other people's luxury car or death, the insurance company will make a claim, reduce the economic loss of the owner.

There are three types of insurance to buy, the first type of insurance is compulsory traffic insurance, the second type of insurance is non-deductible insurance, and the third type of insurance is commercial liability insurance.

Generally, buy a compulsory insurance, a third-party commercial liability insurance, and then a full insurance, so that you can go on the road.

Buying insurance for a new car should be purchased according to the following: 1. First purchase compulsory traffic insurance;

2. Adequate third-party liability insurance: the third party of all types of car insurance is the most important. After all, you can not drive a car if it is destroyed, however, the compensation of others cannot be exempted, and when buying car insurance, you should put the ability to compensate for the losses of others in the first place;

3. Liability insurance for personnel on the vehicle: Liability insurance for personnel on the vehicle is the main insurance for 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 for car owners is very important, because the personnel in the car are generally important people around them, and it is also necessary to buy an insurance for them;

4. Car damage insurance: New cars will inevitably bump and bump, and novices need to purchase car damage insurance. Vehicle damage insurance refers to a kind of automobile commercial insurance in which the insured or its permitted driver is damaged by an insured accident while driving the insured vehicle, and the insurance company compensates within a reasonable range;

5. Theft insurance, glass, spontaneous combustion, scratch insurance combined with their own needs to buy, if you buy a new car in full payment, I am a novice, in order to reduce losses, you can consider purchasing all the insurance content except for spontaneous combustion loss insurance.

Millions of car purchase subsidies.

Summary. Hello dear! The issues to pay attention to when buying car insurance are as follows:

1. Spontaneous combustion insurance: For new cars, the chance of spontaneous combustion is low, and spontaneous combustion insurance is not a must-buy insurance. At the same time, the probability of glass breaking alone is also low.

For older cars or vehicles with modified wiring, spontaneous combustion insurance is best purchased. Finally, deductible insurance is also more useful for many car owners, and you can also consider buying it. 2. Vehicle loss insurance, commercial third-party liability insurance

In addition to compulsory traffic insurance, car owners should try to purchase car insurance mainly including vehicle loss insurance and commercial third-party liability insurance. Purchasing these two types of insurance can minimize the property damage of the car owner after an accident.

Hello dear! The specific issues to be paid attention to when buying car insurance are as follows: 1. Spontaneous combustion insurance:

For new cars, the chance of spontaneous combustion is low, and spontaneous combustion insurance is not a must-buy insurance. At the same time, the probability of glass breaking alone is also low. For older cars or vehicles with modified wiring, spontaneous combustion insurance is best purchased.

Finally, deductible insurance is also more useful for many car owners, and you can also consider buying it. 2. Vehicle loss insurance and commercial third-party liability insurance: In addition to compulsory traffic insurance, car owners should try to purchase car insurance mainly including vehicle loss insurance and commercial third-party liability insurance.

Purchasing these two types of insurance can minimize the property damage of the car owner after an accident.

In addition, car owners can consider whether to purchase theft insurance according to their own car environment. 3. Purchase channels: Attention should be paid to the selection of purchase channels, and it is necessary to choose insurance companies with legal qualifications and people with professional qualification certificates, business certificates and formal contracts with insurance companies.

4. Renewal: For car owners who renew their insurance, there is a floating rate of car insurance when purchasing car insurance. In other words, car owners with less insurance can enjoy full discounts.