How to buy car insurance reasonably and how to buy car insurance is the most reasonable

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.

Buying insurance is the same as buying clothes, the price is cheap and comfortable to wear, so you have to choose the brand, but the brand is expensive, so only wait for it to be discounted to buy the most cost-effective, **car insurance is like this, I haven't tried online sales, it should be about the same, **people's price is more expensive, it is difficult to find a good**person.

Compulsory traffic insurance, commercial insurance can be insured vehicle loss insurance, third-party liability insurance 500,000 or 1 million, car personnel insurance four seats best not counting deductible insurance these necessary basic insurance, other buy or not seems to be meaningless, but also depends on their own affordability, such as scratch insurance, glass breakage insurance, these losses are generally thousands, but the probability of occurrence is relatively small, so it depends on how you choose, anyway, you must not have to pay for it.

This depends on your specific car model, and your financial strength, including your driving skills.

If you are a relatively cheap car, it is recommended that you pay 100,000 + for the three + not exempt.

better cars; Compulsory traffic + 200,000 + car damage + no exemption.

Good car: strong traffic + three (self-determined) + car damage + robbery + no exemption.

Compulsory traffic insurance, commercial insurance (vehicle damage insurance, third party liability insurance 500,000 or 1,000,000, excluding deductibles) these are required.

Scratch insurance, full vehicle theft insurance, glass breakage insurance, vehicle personnel insurance, spontaneous combustion insurance, these can be determined according to individual circumstances.

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

How to buy a reasonable car insurance.

Personally, I think that in fact, as long as you buy a strong insurance and third liability insurance, the main problem is that later, in case of a traffic accident, the compensation in the future.

When buying car insurance, don't try to be cheap, because you are buying a guarantee, and you must have enough coverage to get protection.

If you want to buy car insurance, you'd better buy it according to the actual situation of your car.

Buying a reasonable vehicle insurance is something that you should look at and what you need to cover. And what kind of insurance do you need for this car.

It makes the most sense to buy car insurance. It is most suitable for you to participate in the ** of the group organization to buy car insurance.

If you want to buy car insurance, I think it is most reasonable to buy the necessary insurance, and you don't need to buy the rest of the insurance.

First of all, 950 yuan of compulsory traffic insurance must be paid, and then there is third-party liability insurance, 500,000 yuan is basically enough, and it is 1,252 yuan a year. Then there is car damage insurance, different models have up and down, about 1547 yuan. There is also no deductible insurance, the less insurance is not.

The most reasonable way to buy car insurance is compulsory insurance, or what to get three more? 1,000,000 is fine. Don't buy anything else, you can.

If you want to make the most reasonable insurance for your car, then you need to buy all the insurance.

It is essential to purchase compulsory traffic insurance for car insurance, and then buy car insurance with a claim of 1 million insurance.

To buy car insurance, you must buy all the basic insurance, and then choose other types of insurance according to your actual situation.

I want to go and buy car insurance with a gift and a woman, and if it makes the most sense, I must buy a third party who should buy it.

The most reasonable way to buy car insurance is to buy it according to the model and age of your car.

How to buy the most reasonable car insurance? Rescue plus inorganic deductible plus car damage is enough.

How to buy car insurance reasonably? First, you must purchase three types of insurance: traffic insurance, third-party commercial liability insurance, and car damage insurance. As for scratch insurance and spontaneous combustion insurance, you can buy it according to your needs.

Traffic insurance is compulsory insurance in our country. Third-party commercial liability insurance, referred to as "three insurances", is a supplementary insurance to compulsory traffic insurance, which also pays compensation to others in the event of an accident. The insurance company can compensate for the part that exceeds the limit of the compulsory traffic insurance, so that the car owner can insure the three risks at the same time when purchasing the compulsory traffic insurance, and also solve the worries of major accidents.

Compulsory traffic insurance and three insurances are used to compensate each other, and car damage insurance is used to protect oneself.

As for spontaneous combustion insurance, the spontaneous ignition point of the vehicle is directly responsible for the manufacturer's warranty during the warranty period. If you buy this insurance during this period, it is a heavy rock recovery insurance, which is useless. Even if the warranty period expires, there is no need to buy spontaneous combustion insurance.

Whether you need insurance or not depends on the condition of the vehicle. If the vehicle line is aging or the service environment is not good after four or five years, you can consider buying.

In addition, the exclusion of the deductible means that 20% of what should have been borne by the car owner is transferred to the insurance company, which is generally divided into basic and additional insurance. The basic early letter insurance mainly takes effect independently of the basic insurance such as car damage insurance and three-way insurance, and the additional insurance mainly takes effect on the car additional insurance. Compared with the two, the basic insurance is relatively useful and can be purchased, and the additional insurance is not very useful.

Millions of car purchase subsidies.

It would be more reasonable to buy car insurance according to the following methods:

1. First of all, purchase compulsory traffic insurance;

2. Adequate third-party liability insurance. The third party is the most important for all types of car insurance. When purchasing car insurance, the ability to compensate for the losses of others should be the first priority;

3. Liability insurance for people on board. The liability insurance of the vehicle personnel is the main insurance of the vehicle commercial insurance, and its main function is to compensate the vehicle for the insurance of the people in the car caused by traffic accidents, and the insurance amount of each seat is generally 1-50,000 yuan. Liability insurance for car owners is very important, because the people 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 socks, in order to reduce losses, you can consider purchasing all the insurance content except for spontaneous combustion loss insurance.

Hello, that's right.

1. Minimum insurance plan.

Insurance Combination: Compulsory Liability Insurance.

Coverage: Only liable for the loss of a third party.

Applicable objects: a little bit of luck psychology simply think that insurance does not play a big role, or anxious to get the insurance policy to go to the license plate to inspect the car.

Advantages and disadvantages: The advantage is to cope with the license plate or car inspection (car inspection), and the annual examination needs to have compulsory traffic insurance, so it is necessary to buy insurance before the car is reviewed. Even if a traffic accident occurs, the other party's loss can also be compensated by the insurance company, and the disadvantage is that you need to bear the loss of the car.

2. Basic security plan.

Insurance combination: compulsory traffic insurance + third-party liability insurance (100,000) + on-board personnel liability insurance.

Coverage: Avoid traffic accidents involving third parties**.

Applicable to: Owners who have skilled driving skills, have been using the car for a long time, and are willing to bear most of the risks themselves to reduce their insurance premiums.

Advantages and disadvantages: It is guaranteed for personal injury and property damage involving a third party, but the loss of the car needs to be borne by yourself.

3. Economic security plan.

Insurance combination: compulsory traffic insurance + third-party liability insurance (200,000) + on-board personnel liability insurance + car damage insurance + deductible special contract + theft insurance.

Coverage: Most insurance liability events.

Applicable objects: car owners who have used vehicles for three or four years, are not of high value, have a certain driving experience and good driving skills, and the drivers usually pay attention to vehicle maintenance and safety protection, or are not financially wealthy and are willing to take part of the risks.

Advantages and disadvantages: It belongs to the most insured value of the insurance portfolio, the insurance is cost-effective, the premium is economical and the protection of the mu is basically complete.

4. The best protection plan.

Insurance combination: compulsory traffic insurance + third-party liability insurance (500,000 yuan) + on-board personnel liability insurance + car damage insurance + theft insurance + deductible special contract + glass breakage insurance + reversing mirror or headlight breakage insurance + scratch insurance.

Coverage: Basically covers the scope of insurance liability and minimizes losses, and the vulnerable parts of the vehicle can also be effectively protected.

Applicable objects: general companies or individuals, starting from the actual needs of the car, ** more expensive vehicles can also be selected.

Advantages and disadvantages: the insurance with large insurance value, value for money, strong anti-risk ability, of course, ** is on the high side.

5. Comprehensive protection plan.

Insurance combination: compulsory traffic insurance + third-party liability insurance (1 million yuan) + on-board personnel liability insurance + car damage insurance + theft insurance + deductible special + glass breakage insurance + reversing mirror or headlight breakage insurance + scratch insurance + spontaneous combustion insurance + other additional insurance.

Coverage: The forehand is to add spontaneous combustion insurance and other additional insurance to the best plan to cover all insurance liability accidents and minimize losses.

Applicable objects: It is suitable for new car novices and car owners who are in good economic condition and need comprehensive protection, and some other institutions, institutions or large companies are also applicable.

Pros and cons: Almost all automobile-related accident losses are compensated.

Summary. Hello, I will make the following for you: first of all, compulsory traffic insurance, you can't go on the road without buying compulsory traffic insurance; The second is the three insurance, it is recommended to buy at least 1 million or more, in case you accidentally hit a luxury car or even hit someone; In the case of frequent driving alone, the driver part of the vehicle personnel liability insurance can be purchased; There is also car damage insurance, which is used to repair your car.

Hello, I will make the following for you: first of all, compulsory traffic insurance, you can't go on the road without buying compulsory traffic insurance; It is recommended to buy at least 1 million or more to prevent accidentally hitting a luxury car or even someone; In the case of often driving alone, the driver who can purchase the liability insurance of the person on the car and dig the vertical part of the division; There is also car damage insurance, which is used to repair your car.

Scheme 1: compulsory traffic insurance + third liability insurance, this combination is suitable for car owners who have been used for a long time and have rich driving experience, and are willing to bear part of the risk. Option 2:

Skillfully slow traffic insurance + the third liability hole ant insurance + vehicle loss insurance + deductible + car liability insurance, this combination seems to be composed of a lot of insurance, but in fact it is suitable for the best combination of car owners, using this program, you can save thousands a year, and bumps and bumps in the process of driving can not be avoided, so this combination is very recommended. Plan 3: Commercial liability insurance + car damage insurance, car damage insurance is paid to yourself, and commercial liability insurance is a supplement to compulsory traffic insurance, but also admire others, these two types of insurance are combined, it is also a combination suitable for many people, commercial insurance is more flexible, and can also be lower than the basic risk.