Is it better to buy more or less car insurance?

There are eight levels of insurance coverage for the three liability insurances: 50,000, 100,000, 150,000, 200,000, 300,000, 500,000, 1 million, and more than 1 million, and the cost of each level varies.

There is a direct correlation between the amount of third party liability insurance and the cost of insurance, so it's best to find a balance between the premiums you pay and the protection you can get. Instead of blindly pursuing a high sum insured, after all, it hurts money.

If you drive in Beijing, Shanghai, Guangzhou, Shenzhen, these first-tier cities, then there are relatively many luxury cars in the car, and if the consumption level in your city is relatively high, and you hit someone, the rescue costs, lost work costs, and medical expenses are also relatively high.

Therefore, the more advanced the city, the higher the insurance amount of the three responsibilities should also be.

If you are in an ordinary second- or third-tier city, and only use a car for daily use, the annual mileage is less than 10,000, and the average speed is less than 30 kilometers per hour.

Then the three responsibilities of 300,000 are basically enough, and the insurance of 500,000 three responsibilities is properly enough, and there is no need to consider the level of 1 million three responsibilities.

I'm talking about how good it is, of course.

Of course, it's better to buy more.

Buying insurance is buying safety, and if you are not afraid of 10,000, you are afraid of what happens.

Prevention is better than prevention, not to mention buying more than a few dollars.

Buying insurance is just a kind of protection, and the more you buy, the greater the protection.

If you have enough funds, it's better to buy as much as you want, so that you can feel more at ease.

Of course, the more you buy, the more you buy, if there is any problem in the future, your risk protection is higher, and your ability to protect it.

Just in case, it's better to buy more.

What about car insurance and three liability insurance, is it better to buy more or less? I think it's about buying less, okay, it depends on your own needs, right? There's no need to buy too much, it's just to invest money in the insurance company, right?

How good it is to buy. In this way, you can effectively protect your own life and travel safety, and prevent problems before they happen.

The three groups of insurance show how much it is better to buy, or to buy double? At that time, it was better to buy as much as possible, because the more you bought, the more security you have, the safer it is, and the more toxic it is.

How good it is to buy. In case of a traffic accident, the insurance company will pay more and the personal loss will be smaller. This type of insurance is set up to protect the driver just in case, take it from the people, and use it for the people.

Whether it is better to buy more or less car insurance, I think it must be better to buy more.

Money is not brought in life, and death is not brought, so life is more important, with insurance, life can be multi-layered.

If you buy more, you will be compensated. So try to buy a little more.

It is best to buy more third-party liability insurance.

The third liability insurance for car insurance should be more purchased, which is better and guaranteed.

It is still necessary to buy more for safety, especially for transportation.

Car insurance three liability insurance should be bought more, no one can guarantee that there will be no accident when driving, and once there is an accident, you still need car insurance three liability insurance. Because in the event of a personal injury accident, it is better to buy more car insurance and three liability insurance.

Of course, you need to buy car insurance and three liability insurance, because it is a protection for driving, so of course it is better to buy some suitable car insurance.

It's best to buy more, after all, it's a matter of personal safety, and if something happens to you, the harm can be minimized as much as possible.

It must be as good as you buy, the more you buy, the more you insured, the more financially secure, and you can feel more at ease.

The better you buy, the more secure you get.

It is better to buy more car insurance, as people's living standards are getting higher and higher. The gap between the rich and the poor is still very large, and there are many luxury cars on the road. Once the insurance with less accidents does not give us better protection, so it is better to buy more.

Third party liability insurance is paid to the other party in the event of an accident. Although it does not have direct benefits to oneself, it can greatly reduce one's losses after an accident. But we really can't estimate exactly how much we'll pay out in a year.

So to the extent that the economic conditions allow, it is better to buy more than less. Generally speaking, 1,000 yuan can buy hundreds of thousands of yuan of third-party insurance. This amount of insurance is affordable for the vast majority of car owners.

As long as you can afford it, you still feel that you need to buy more insurance, more insurance and more protection.

Of course, the more car insurance you buy, the better, after all, you have to consider the safety and security of the car while driving?

After all, traffic accidents are uncontrollable accidents, and the size of losses is unpredictable. The only way to get the best chance of compensation is to buy more insurance to avoid a fatal blow when you actually use it.

It's better to buy more. The three liability insurance is a means to protect the purchaser by preventing traffic accidents and paying compensation, so as not to bankrupt the purchaser. The more you buy, the more you pay, the smaller the personal loss, so it is recommended to buy more three liability insurance.

If you are a frequent car, it is recommended that you buy a third-party liability insurance of 1 million.

After all, one life is now about 1 million.

We recommend not considering 200,000 for these three grades of third-party liability insurance, especially for some more high-end models, so let's briefly talk about the two grades of 500,000 and 1 millionIf you live in a first-tier city or a second-tier city, then be careful.

Local economic situationIf you are driving in first-tier and second-tier cities, especially in cities with more luxury cars, it is recommended to buy more than 1 million third-party insuranceIf you live in a third-tier, fourth-tier, fifth-tier and other small cities, especially in cities with very few luxury cars, there is no need to buy too high a three-party insurance, 500,000 is basically enough, so that it is beneficial to your own economic savings and the payment of follow-up insurance premiums.

The mainstream sum insured of third-party liability insurance is.

200,000, 500,000, 1 million three grades, if you look at the basic premium, 200,000 insurance amount of 1,270 yuan, if you add no deductible, you need to negotiate again;The insurance amount of 500,000 yuan needs to be paid 1,721 yuan, and it is yuan without deductible;The sum insured of 1 million needs to pay 2,242 yuan, which is about 600 yuan without deductible, which means that the difference in money at each stage is about 600 yuan.

There are different levels of insurance coverage for consumers to choose from, namely 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan, and more than 1 million yuan and less than 10 million yuan. Car owners can consider the following aspects when choosing the amount of third-party liability insurance.

1. Driving skills.

If the owner's driving skills are better, there is no accident caused by personal driving reasons, he is a real "old driver", and the economic conditions are better, then the insurance amount of the third-party liability insurance can choose 500,000 yuan. If the driving skills are not mature enough, then try to choose the sum insured of 1 million and above.

2. The level of local economic development.

In first-tier and second-tier cities, luxury cars can be seen everywhere, and there is a lot of traffic, which is easy to cause traffic congestion and traffic accidents. If in third- and fourth-tier cities, where there is not much traffic and luxury cars are not common, then the limit of the three liability insurance can be lower.

Third-party liability insurance can be said to be a supplement to compulsory traffic insurance, and it is also compensated to the injured party of the accident. Xi Caijun suggests that you should choose the insured amount of third-party liability insurance as much as possible 500,000 and above, which is more reassuring and worry-free.

Car Insurance, Third Party Liability Insurance.

How much to buy is suitable for Wang Pai, which needs to be considered comprehensively according to the individual's situation and the local situation.

The premium of third-party liability insurance can be as small as 50,000 or 100,000 yuan, and as high as more than 1 million.

Therefore, there is no exact value for third party liability insurance. Of course, the higher the sum insured, the less you will have to bear in the event of an accident. If you have sufficient funds, it is best to choose a third party liability insurance with a higher sum insured, because in this way, in the event of an accident, we will bear less property damage.

The scope of third-party car insurance is as follows: if the insured vehicle has an accident during normal use, resulting in personal or property damage to the third party, the insurance company can bear the liability for compensation, in addition, if the insurance company agrees in writing, the insurance company can also compensate for the arbitration or litigation costs incurred by the insured, but the maximum will not exceed 30% of the liability limit.

Because compulsory liability insurance and third-party liability insurance are similar in terms of coverage, but the limit of third-party liability insurance is relatively much higher than that of compulsory liability insurance, so many car owners will use three-liability insurance.

As a supplement to compulsory liability insurance.

Vehicle insurance. Third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate the insured beyond the liability limit, but the maximum shall not exceed 30% of the liability limit.

Third party liability insurance is a must-buy commercial insurance.

The amount of insurance is different, and the ** of the three liability insurance is also different, and the following is the price list of the three liability insurance as follows:

1. The insured amount is 50,000 yuan, and the insurance cost is yuan, excluding deductibles.

Yuan; 2. The insured amount is 100,000 yuan, and the insurance cost is Ling Bi Yuan, excluding deductible yuan;

3. The insured amount is 200,000 yuan, and the insurance cost is yuan, excluding deductible yuan;

4. The insured amount is 300,000 yuan, and the insurance cost is yuan, excluding deductible yuan;

5. The insured amount is 500,000 yuan, and the insurance cost is yuan, excluding deductible yuan;

6. The insured amount is 1 million, and the insurance cost is 1467 yuan, excluding deductibles.

There is no such thing as being cheap for no reason, and the cheaper premiums may come with the cost of claims.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and the passenger in the hosiery.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle loss insurance is the most widely used type of insurance in Kaidong, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company to pay for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

The original focus is on the sixth: other types of insurance are selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

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

Whenever the vehicle insurance expires, many car owners are entangled in how much the three liability insurance is good, and the insurance is less, in case of a major accident, the remaining money is still out of their own, and they regret it; I think it's a waste. So how much do we need to protect to travel safely? Take a look at the data below to find out.

According to a report released by China Sure, the average cost of single death compensation in 2016 was 10,000 yuan. The standard of death compensation varies greatly across the country, with the lowest being 660,000 yuan in Gansu and the highest being 1.46 million yuan in Shanghai. There are 8 regions where the cost of single death compensation exceeds 1 million, namely:

Shanghai, Beijing, Ningbo, Shenzhen, Zhejiang, Xiamen, Qingdao and Jiangsu. The average cost of compensation for a single death in Sichuan is 730,000 yuan, half of that in Shanghai.

After reading these data, how much do you think is the right amount of triple liability insurance to buy? 500,000 is not much! In fact, the difference between the premium of 500,000 and 1 million is about 500 yuan, but the insured amount is 500,000 more, so you don't have to worry too much about the loss ratio in case of a major accident.