How to buy car insurance? Why?

When buying car insurance, commercial insurance does not need to be purchased, and then you can choose according to a way you usually use the car, and then you also need to choose according to some roads you usually take. Because what suits you is the best, you don't need to buy all the insurance.

Depending on the car's **, as well as the nature of the car, learn about the purchase of car insurance. Because in this way, you can ensure your rights and interests, will not cause a financial burden, and can buy insurance reasonably.

You should choose Pacific Insurance, because this is a very good insurance company that has been established for a long time, and the insurance in this insurance company is very cheap, which can save you a lot of money, and you can rest assured.

You should choose a larger insurance company, because the regular big insurance company has a good service and a high claim amount.

I think you should choose an insurance plan with a larger sum insured, because in case of an accident, you can get more compensation.

The first thing to insure about car insurance is compulsory traffic insurance, which is mandatory to buy by the state and belongs to the most basic protection. It mainly covers the death and injury, medical expenses and property damage of the other party caused by the accident. The second thing to be insured is commercial car insurance, and it is recommended to pay attention to car damage insurance, third-party liability insurance and vehicle personnel liability insurance.

Compulsory traffic insurance. As the name suggests, this is mandatory, and you have to pay insurance when you buy a car on the road. The full name is compulsory insurance for motor vehicle traffic accident liability, which mainly provides timely and basic protection for the loss of personnel and property caused by vehicle traffic accidents.

1. Comprehensive type: compulsory traffic insurance + commercial three liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + glass separate breakage insurance + deductible special contract + body scratch loss insurance.

About 20% of car owners choose this type combination. Suitable for new car owners and car owners who need comprehensive protection.

2. Conventional type: compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + deductible special contract.

About 60% of car owners choose this type of combination. It is suitable for vehicles parked in parking places with long-term fixed personnel guarding, and also suitable for car owners who have a certain driving experience and are willing to bear part of the risks themselves.

3. Economical: compulsory traffic insurance + commercial three liability insurance (100,000 yuan) + car damage insurance + deductible.

About 15% of car owners choose this type of combination. It is suitable for owners who have been using their vehicles for a long time and who are skilled in driving and are willing to take most of the risks themselves.

4. Risk-based: only purchase compulsory traffic insurance. Compulsory traffic insurance only pays the third party (injured party) in the accident, and the maximum compensation for personnel is 110,000 yuan, 10,000 yuan for hospitalization, and 2,000 yuan for property damage, but the compensation for the death of people caused by a car accident in Chengdu should be more than 200,000 yuan, and the hospitalization medical expenses are far from enough, and the vehicle loss cost of 2,000 yuan is far from the same.

In addition, you will be responsible for any damage or theft of your car. Therefore, this combination is extremely risky.

About 5% of car owners choose this type of combination. Insurance experts generally do not recommend this option.

In addition, there is also "spontaneous combustion insurance" in the car insurance category. This type of insurance refers to the loss of the insured vehicle caused by the combustion caused by the failure of electrical appliances, wiring and oil supply system during the use of the insured vehicle, and the insurance company shall be responsible for compensation according to law. For this type of insurance, insurance experts suggest that if the car is too old and the parts are aging, you can buy "spontaneous combustion insurance".

In addition, vehicles that often operate long distances should also purchase "spontaneous combustion insurance".

In addition to car insurance, it is recommended to increase third-party liability insurance to protect the personal and property value of passengers on the car.

Configuration of car insurance.

In addition to compulsory liability insurance, four types of insurance combinations are recommended.

Compulsory traffic insurance is mandatory and necessary on the road, so there is no need to say much about this.

Commercial insurance allocation: 1. Third party liability insurance. More than one million is recommended. In the unlikely event of an accident, if it is our responsibility (full or partial responsibility), then it will be used to compensate the other party (including personal damage and property damage).

Second, car damage insurance, in the event of an accident, is our responsibility, and we repair the car by ourselves. The maximum sum insured for this type of insurance does not exceed the total value of the subject matter. For example, if your car is 300,000 yuan for a new car, and it costs 350,000 yuan to repair it in an accident, the insurance company will recommend that you go for scrap and pay you a part of the money (below 30w, according to the degree of depreciation of your car).

3. Seat insurance, in the event of an accident, is used to compensate for passengers in the car.

Fourth, regardless of the deductible, this insurance is an additional insurance and must be entered. Because the third party and the car damage insurance are not 100% paid, if you do not include the deductible, then even if you are fully responsible, the insurance company will only pay a part of your loss assessment, and the insufficient part needs to be paid by the car owner himself. With this insurance, if we are fully liable, the insurance company will pay 100% (the accident loss is less than the sum insured).

As for others, glass insurance, wading shoes, spontaneous combustion insurance, theft insurance, car owners can choose to configure according to their needs. These types of insurance are basically spent in vain.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. Among them, compulsory traffic insurance must be paid.

Methods of Car Insurance Selection:

1. Invest more in three insurances, and the main insurance of car insurance is third-party liability insurance and car damage insurance. If you have just bought a new car, experts recommend that it is best to keep both types of insurance. Since the rate of car insurance is fixed, the amount of premium paid depends on the amount of insurance coverage of the car itself.

For family cars, the current insurance amount of the three is generally divided into three levels: 50,000 yuan, 100,000 yuan, and 200,000 yuan. Insurance experts suggest that it is best to insure 200,000 yuan, because after the implementation of the new "Road Traffic Safety Law", the liability and amount of compensation borne by the car owner have increased a lot, and the accident that can be "solved" within 100,000 yuan in the past is not necessarily enough now;

2. Relatively speaking, the premium of the larger scale is relatively low, and the company has many loss assessment outlets, so it can implement remote online damage assessment with the help of repair shops, but because large insurance companies have more business? It can be relatively slow in terms of claim settlement time. If the car owner doesn't care about spending more money, but just wants to settle the claim quickly, you can go to a slightly smaller insurance company to insure;

3. If you have just bought a new car, it is recommended that you have better insure the basic types of insurance such as car damage insurance, third-party liability insurance, driver and passenger insurance, theft insurance and body scratch loss insurance. When applying for insurance, it is important to note that you cannot only save money and under-insure, nor can you spend more money than you need to over-insure. Since the rate of car insurance premiums is fixed, the amount of the premium depends on the purchase price of the new car.

The wise choice is to insure as much as it is worth. For example, a 200,000 yuan car is only insured for 100,000 yuan, and once a traffic accident occurs, it will not be fully compensated. If your vehicle is old or close to the end of life, then it is recommended that you insure car damage insurance, spontaneous combustion loss insurance, third party liability insurance and driver and occupant insurance, because the old car or the car that is close to the end of life is in poor condition, so the body scratch and theft insurance can not be covered.

Here's a reminder to car owners: when the old car is insured, the owner should not think that the insurance company will pay more if the amount of insurance is high. In fact, the insurance company only determines the amount of compensation based on the actual loss and the degree of depreciation of the vehicle at the time of the accident.

Compulsory traffic insurance. Compulsory traffic insurance is compulsory insurance under the laws of our country, so everyone who buys a car must buy it, of course, this is also the lowest insurance cost. If the car is driven on the road without purchasing compulsory traffic insurance, it will be deducted points and fines if it is found by the traffic police, and if the circumstances are serious, it may be detained, because it is illegal.

Third Party Liability Insurance (Third Party Insurance).

Three-party insurance is one of the car insurance policies that car owners must purchase. We will inevitably have some friction when we drive on the road, and the money that the car owner needs to pay for in the accident is completely paid by the insurance company, that is to say, unless you have a close contact with a luxury car, the claim amount of the three insurances in other cases is basically completely sufficient, and there is no need to pay extra for claims.

At present, the three insurances are divided into 500,000 and 1 million insurance amounts, and car owners who are not at ease can buy three insurances with higher insurance amounts, and the difference between them is only a few hundred yuan.

Car damage insurance. The so-called car damage insurance means that when the car is damaged, the insurance company will compensate the owner. Now there are more and more cars on the road, it is inevitable that traffic accidents such as scratches and collisions will occur, if you have purchased car damage insurance, even if the car is damaged, the insurance company will give the owner a certain amount of compensation according to the situation, so that the cost borne by the owner is much less.

However, car damage insurance is the insurance company according to the use value of the car to pay for it, if the car has been used for a long time, then there is no need to buy car damage insurance, after all, the car itself has no value.

Deductible not included.

Many car owners may not understand this type of insurance, in fact, the deductible insurance is an additional type of insurance, which is based on the additional deduction after the third liability insurance. For example, if there is a traffic accident and you are fully responsible, if you need to pay 100,000 yuan to the injured party, 80,000 of which is usually covered by the third liability insurance, and the remaining 20,000 yuan is originally paid by you, but if there is no deductible insurance, it will be claimed, and you don't have to pay half a penny.

It is more appropriate to purchase car insurance with third-party liability insurance, car occupants, car damage insurance, and no deductible.

In addition to compulsory traffic insurance, it is also necessary to buy personal accident insurance. This is all of the utmost importance.

Car insurance is generally enough to buy 4 types of compulsory traffic insurance, third-party liability insurance, car damage insurance, and special insurance without deductible. Compulsory traffic insurance must be purchased, and this type of insurance can allow the vehicle to get the most basic protection.

Best Scenario:Compulsory traffic insurance + third-party liability insurance + car damage insurance + driver's passenger seat insurance + whole car scratch insurance (or glass breakage insurance). Adding glass insurance and scratch insurance to the most basic plan can greatly reduce the risk of the car.

Nowadays, broken car glass or scratches on the body are common, and buying these types of insurance can give your car more security.

Car Insurance Purchase Channels:

S shop:

When you buy a car, you will find that the cars sold by the same manufacturer are different from those bought through different channels. It's the same with buying car insurance, different channels ** Senyu is different, and the car insurance sales channel that everyone is most familiar with may also be a 4S store.

2. Repair shop:

Nowadays, many repair shops also sell car insurance. Similar to the 4S shop, the repair shop will also recommend you to take all the insurances regardless of whether you need it or not, but the ** of the repair shop will generally be lower than that of the 4S shop.

3. Direct sales channels of various insurance companies:

Direct sales contain two parts, one is ** direct sales and official website direct sales of this section of the rock.

4. **People channel:

**A person is an individual or company that holds an insurance intermediary license. They may sell insurance through **, the Internet, or directly to their door.

1.You should purchase the following insurance for your new car:1.

2.Compulsory liability insurance is generally mandatory.

3.If you don't buy compulsory traffic insurance, you won't be able to get a license; 2.Third-party liability insurance, that is, personal or property damage caused to the bus other than the driver and passengers, which is compensated by the insurance company; 3.Car Damage Insurance. Noisy for newbies, this insurance is important.

4.When your car is involved in an insured accident and a collision, you need to use car damage insurance; 4.The insurance does not take into account the stress deductible, which is also important.