What do you need to pay attention to when applying for car insurance, and what should you pay attent

Prefer insurance companies with many outlets, which is convenient for claims, and if the vehicle is only driving in the urban area, it can be appropriate. The most important thing is the choice of insurance, only buy the right one: 1 car damage insurance, repair your own car when you are out of danger, if it is a good car, you must buy it, if it is just a very cheap scooter, it can also be appropriate.

2. The basic 30w is recommended for the third party insurance, and it is best to pay 50w, mainly in the event of an accident. 3. Theft and rescue, the theft of the whole vehicle is robbed, if the garage parking environment is good, you can not buy. 4. Seat insurance, it is recommended to buy it if you are injured in the car.

5 glass insurance, the front and rear of the main car left and right six as windshield, sunroof does not include, imported and domestic, what model to choose. 6. Scratch insurance, when the body is scratched, there are 2000, 5000 and other gears (Note: the vehicle in the process of scratching and collision can be paid in the car damage.

It is recommended to buy a new car. General insurance companies for vehicles more than 2-3 years old refuse to insure this insurance) 7 spontaneous combustion insurance, vehicle line aging and fuel supply failure caused by the vehicle's own combustion compensation, new cars can not be considered. The rest are similar to wading, falling objects from high altitudes, and cargo insurance, which can be used as a reference.

Note that car damage, three, and seats must be deductible at the time of purchase. In addition, it goes without saying that compulsory traffic insurance. Special Conventions:

In some places, you can choose to be in the province and you can designate a driver. Typing is too tiring. There are any questions directly to the information I put.

Can you really read the car insurance mess?

After buying car insurance, you must remember these 4 points, otherwise the car insurance may be in vain. Xiaoxiao summarized the concentration of insurance companies not paying, everyone must pay attention to it!

According to the use of your own vehicle, if you have been in the urban area for a long time, you can choose a little less about the amount of insurance and the type of insurance. If you are in the field for a long time or on high speed, buy a higher insurance type and buy a little more. Under normal circumstances, the urban area will buy car damage + 300,000 + three + without deductible, and what other car personnel, glass breakage, spontaneous combustion, scratches, engine loss insurance, etc. are selected according to their own needs.

Long-term travel or high-speed car damage + three (50 or 1 million) + 50,000 seats on the car + no deductible, additional insurance is also considered according to your own needs.

<>1. Rational insurance according to demand. Some car insurance types have a certain number of years of insurance, such as scratch insurance, some insurance companies stipulate that the car can only be purchased within three years of age, and some insurance companies stipulate that the car can only be purchased within five years of age.

2. For new car owners, it is still very necessary to purchase scratch insurance. If a new car misses the opportunity to purchase scratch insurance, it is also more cost-effective to purchase scratch insurance in the last year of the car age limit, because the new scratches can be dealt with at the same time as the old scratches can be dealt with.

3. In addition, the scope of protection of car damage insurance should be clearly understood, such as the losses caused by secondary disasters, typhoons, and other natural disasters caused by ** and **, as well as the losses caused by the invalidation or unqualified inspection of the driver's license, the lack of a license plate for the new car, and the hit-and-run.

4. Fully insured. When renewing car insurance, the insurance company will generally give two ways to renew the insurance, one is to press the new car purchase key to shout ** renewal; One is to renew the insurance according to the actual ** of the current car.

5. PICC salesman, it is recommended that you renew the insurance according to the purchase price of the new car as the insurance amount. Because when the car breaks down and hails, the repair shop is providing brand new parts. In addition, if the vehicle is completely damaged, it will be compensated to the maximum extent.

6. Early renewal. When renewing car insurance, it is recommended that car owners renew their insurance 15 to 35 days in advance, so that they can not only catch up with the preferential activities of various insurance companies, but also avoid the lack of protection caused by not renewing their insurance in time.

7. What needs to be reminded here is that do not renew the insurance on the day of the expiration of the insurance period to avoid a gap period. We all know that after the successful renewal, the policy will take effect at 0:00 on the next day, and the stage when the previous policy lapses and the new policy takes effect is the gap period, and the insured accidents that occur during this period will not be paid.

Policyholders should pay attention to the following when purchasing car insurance:

1.Choose an insurance company reasonably.

The policyholder should choose a legally qualified insurance company business establishment to purchase car insurance. The after-sales of car insurance is as important as the product itself, and policyholders should understand the content and credibility of the services provided by each company when choosing an insurance company, so as to fully protect their own interests.

2.Reasonable choice of ** people.

Policyholders can also purchase car insurance through **person. When selecting ** person, you should choose ** person with a professional qualification certificate, a business development certificate and a formal ** contract with the insurance company; It is necessary to understand the part of the auto insurance clause involving liability and rights and obligations, so as to prevent individual people from one-sidedly exaggerating the product protection function and avoiding the content of the liability exemption clause.

3.Find out what car insurance is all about.

The policyholder should inquire whether the terms of the car insurance purchased have been approved by the China Insurance Regulatory Commission, and carefully understand the content of the terms, the insurance liability, exclusions and special agreements of the key clauses, the rights and obligations of the insured, the calculation of deductibles or deductibles, the procedures for applying for compensation, and the provisions on surrender and depreciation. In addition, it should also be noted whether the rate of auto insurance is consistent with the rate approved by the China Insurance Regulatory Commission, and understand the preferential rate regulations and preferential treatment of no claims of the insurance company. Generally, the insurance premium is relatively high for products with more comprehensive insurance liability; Products with less insurance liability have lower insurance premiums.

4.Purchase according to actual needs.

When choosing auto insurance, policyholders should understand their own risks and characteristics, and choose the risk protection they need according to the actual situation. You should have a good understanding of the existing products in the car insurance market so that you can buy car insurance that suits your needs.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There are several things you need to pay attention to when buying car insurance: 1. Don't take the vehicle out of insurance when buying car insurance. Out of insurance is when the coverage period of the vehicle insurance has passed and the policy has not been renewed.

If you buy car insurance after getting out of insurance, you have to check the vehicle by someone from the insurance company, which is very troublesome to carry Biqi, so don't get out of insurance; 2. Pay attention to the time of purchase. Car insurance can generally be purchased after the new car gets the certificate, if the renewed vehicle needs to buy car insurance, car insurance can be purchased within one month of the expiration of the car insurance in the previous year; 3. Choose the appropriate insurance item. New cars should try to buy full insurance, especially for novices, car damage, three, theft, glass insurance, etc.

If the vehicle is older and the driver has a higher driving experience, you can buy fewer items, and the general commercial insurance only buys car damage insurance and 100,000 third-party liability insurance.