How to buy cheap car insurance, how to buy cheap car insurance?

What a fool! Buying car insurance in this way is a waste of money, and everyone should see that they don't fall for it again.

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.

First, compulsory traffic insurance and vehicle and vessel tax, compulsory traffic insurance and vehicle and vessel tax must be purchased, otherwise the car will not be on the road, and the state also has hard regulations in this regard, which does not have much to say.

Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents caused by natural disasters or accidents.

Motor vehicle insurance, also known as automobile insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents.

There are many car insurance purchase options, and it is actually decided according to the needs of our car, because no car insurance is the same.

What should be bought is like strong insurance, and what should not be bought is like car personnel insurance.

To picc Chinese Insurance Co., Ltd., I will make you a suitable car insurance according to the actual situation.

<>1. Compulsory traffic insurance.

Compulsory traffic insurance is mandatory insurance, car owners must buy compulsory traffic insurance to buy a car, if you do not buy compulsory traffic insurance, you will drive on the road, and be found by the traffic police, the most serious may be detained. However, its ** is also very low, the scope of compensation is not small, and it is also cost-effective for car owners to buy compulsory insurance.

2. Car damage insurance.

Nowadays, there are more and more cars, and even if you park on the side of the road, you can be hit, and it is not easy to find the perpetrator. If you have car damage insurance, the insurance company will be responsible for the loss. And it is inevitable that there will be some scratches when driving, and if the owner bears all of them, it may be a little expensive, and after having car damage insurance, the insurance company can bear part of it.

3. Three insurances.

If a car collides with a car, it is not only our car that is injured, but also those who collide with us, and if it is our responsibility, then we have to pay compensation. If you buy three insurance, then this compensation will be borne by the insurance company, generally the purchase of three insurance is 1 million, such a high amount of compensation is enough to cover most of the compensation. If there are many luxury cars in the area where the owner is located, then it is recommended that the owner increase the insurance amount, which is a few hundred yuan anyway.

4. Deductible insurance is not included.

This type of insurance is actually an additional insurance, mainly because when the insurance company pays compensation, part of the amount can be exempted, so the rest of the compensation must be borne by the car owner. If you buy deductible insurance, then the insurance company must compensate in full, as long as the compensation is in the insured amount, it does not require the owner to pay half a penny.

These 4 types of car insurance are the most commonly used and cost-effective car insurance, and ordinary cars only use these car insurance. Of course, car owners can also choose according to the actual situation, after all, everyone's car environment is different.

1. New regulations on auto insurance: 2021 auto insurance reform.

In fact, the new regulations on car insurance are based on last year's policy, but not this year.

There are too many changes, mainly to talk about the big risk of modification, "handover."

Compulsory insurance and "commercial auto insurance" (third party and car damage insurance):

<>1. Compulsory traffic insurance.

In both the case of responsibility and the case of non-liability, the amount of compulsory traffic insurance is increased.

Lines have been raised to a certain extent, except for property damage, others.

Accidental Death, Disability, and Accidental Medical Treatment have all been changed, no.

Over 6 seats or less compulsory traffic insurance** or unchanged, is 950 yuan for one year, see the reform map for details.

The cheapest is to buy only compulsory traffic insurance, vehicle and vessel tax, and commercial three.

This is the cheapest way to buy a car.

If it is in Hunan Province, the minimum discount for compulsory traffic insurance is 65 yuan, and the vehicle and vessel tax in Hunan is 300 yuan, plus.

2 million three insurance, Ping An ** is about 570 yuan, then it is 1535 yuan premium.

About the new regulations on car insurance 2021 car insurance reform: how to buy car insurance cheapest content analysis is introduced here, I hope it will be big.

1.You can purchase 4 main insurances (vehicle damage insurance, third-party liability insurance, full vehicle theft insurance, and deductible insurance).

How to buy car insurance is the most cost-effective, some car owners do not know which car insurance is better to buy after buying a new car. In the face of many commercial auto insurance, it will be more confusing. Car owners only need to insure their new car with 4 main insurances to buy car insurance.

Other types of insurance can be optionally purchased according to the needs of the car.

2.Theft insurance and scratch insurance

If the car owner uses is only used for commuting, the parking place is generally in the unit or community, these places are relatively safe, so the theft insurance of the additional insurance does not need to be insured. If the total price of the vehicle is greater than 200,000, scratch insurance can be insured, and the total price of the vehicle is less than 200,000 yuan. Generally, cars below 200,000 yuan are insured with scratch insurance, and the insurance company pays only three or four hundred yuan after the accident, and it is only three or four hundred yuan to repair the scratches at the repair shop, so new cars below 200,000 do not need to be insured with scratch insurance.

Things to note when purchasing car insurance:

1.Adequate insurance coverage is required

Car owners should not under-insure their vehicles in order to save on premiums before taking out car insurance. If the value of the vehicle is about 200,000 yuan, the insured amount must reach at least 160,000 yuan, which seems to be more economical, but once the insurance amount is not enough, the loss will be yourself.

2.Apply for insurance at the 4S store

After buying a car, many car owners generally go to the 4S store for insurance, and in terms of the total premium amount, the insurance company will generally be a little cheaper than the 4S point. The reason why it is cheaper to buy car insurance in an insurance company than 4S is that the salesman of the insurance company will give the rebate to the customer, so it will be cheaper. Car owners buy car insurance mainly for the service, many insurance companies will cooperate with 4S stores, so you don't have to worry about the service.

Buying commercial insurance should be selected according to your specific travel situation.

1. The most basic plan:

Compulsory traffic insurance + third-party liability insurance + car damage insurance:

Third party liability insurance and car damage insurance are highly recommended insurance types in car insurance, and the cost of this combination plan is appropriate, in the event of an accident, the damage to oneself and the damage to others can be the most important protection.

2. The most cost-effective plan:

Compulsory traffic insurance + third-party liability insurance

Third-party liability insurance is a kind of compensation for damage to the assets and personal safety of third parties. For car damage insurance, if the driving condition is good, not easy to repair the situation, then you can consider not buying, if the driver is a novice on the road, it is recommended to buy car damage insurance, so that even if you accidentally bump your own vehicle, you will have a protection.

3. Best solution:

Compulsory traffic insurance + third-party liability insurance + vehicle damage insurance + driver's passenger seat insurance + vehicle 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 glass or scratches on the car body are all commonly used, and purchasing this type of insurance can give you an extra safety precaution for your car.

4. The most comprehensive plan:

Compulsory traffic insurance + third-party liability insurance + theft insurance + vehicle damage insurance + vehicle glass insurance + whole vehicle scratch insurance + driver's passenger seat insurance + spontaneous combustion insurance + car damage insurance can not find a third-party special insurance;

This plan is more than the best plan, theft insurance, car damage insurance, no third-party special insurance, spontaneous combustion insurance, these three types of insurance can be considered according to the actual situation of the car.

It is more cost-effective to buy vehicle insurance in this way: 1. First of all, give priority to purchasing sufficient third-party liability insurance. Because the car is broken, it's a big deal to take the bus, and if someone is injured, you have to spend money to treat it.

Of course, third-party liability insurance does not need to be too high, this can be determined in combination with the economic conditions and living standards of your city; 2. Secondly, after buying enough car personnel insurance, consider purchasing car damage insurance. If the driver is you, and you have not bought other accident insurance and medical insurance, it is recommended to give yourself a 100,000 yuan driver insurance as medical expenses. As for passenger insurance, if you are going to pick up your children from school frequently, you can insure a little more, such as 5-100,000 seats.

If you just drive to work alone, it is more economical to insure 10,000 yuan per seat. If you are confident in your driving skills, you can buy less car damage insurance. But if you are a novice, it is recommended to buy it anyway; 3. Finally, I would like to remind you that the annual car insurance premium will be determined according to the number of accidents in the previous year, and the more accidents, the more expensive it is, so safe driving is really saving you money;

1. Compulsory traffic insurance, a necessary type of insurance for legal roading.

Deduct 1 point, fine 200, impound the motor vehicle, did not buy compulsory traffic insurance on the road and was caught by a sir is this consequence, so you can't save this money, the cost of the new compulsory traffic insurance is still 950 and 1100, but the amount of insurance has been adjusted, you can refer to the following table for details.

2. Third-party liability insurance, supplementary insurance of compulsory traffic insurance.

Suppose you hit a tree, and all the cars parked under the tree are crushed, and you have to pay a lot of money, the value of the three insurances can be reflected. The new three-party insurance has a higher amount, and there are relatively many car owners who invest 2 million.

3. Car damage insurance, a type of insurance to protect yourself.

In the past, we often ridiculed car damage insurance, which does not pay for that, after the reform, the additional insurance to be purchased before is all incorporated into the car damage insurance, spontaneous combustion, glass explosion, engine water can be claimed through the car damage insurance, so it is strongly recommended that you must buy car damage insurance.

Car damage insurance** is linked to the price and age of the car, so it is difficult to say how much it is, generally between 1000-2000. For a new car in the first year, the sum insured is close to or equal to the naked price of the new car, and the sum insured and premium will decrease as the vehicle is used and depreciated.

4. Driver and passenger insurance (liability insurance for people on board).

If you "flip the car" on the highway, both the passenger and the driver will be more or less harmed, and if you don't want to pay for the medical expenses yourself, buying a car personnel liability insurance is the best option. If you want to save some money, you can buy all of them for 10,000 yuan, which adds up to only fifty or sixty yuan, and many families only have one car, and most of the drivers are the pillars of the family, so it is not impossible to add the amount of the driver's seat to 50,000.

Car owners can purchase car insurance through self-service purchase or contact an insurance salesman. Car owners can buy car insurance online, and there is a small program on Alipay that can compare the ** of various insurance companies, which is easier to use. <>

How do I buy car insurance? What types of insurance are available? This is a difficult problem that plagues the majority of car owners.

If you "shop around" when looking for a salesman to buy car insurance, it is not difficult to find that each insurance company, or even different salesmen of the same insurance company, give different **, **difference between dozens of yuan and two or three hundred yuan. <>

Why is there such a "disparity"? The insurance salesman will get a commission after making a single car insurance. The level of the salesman depends on how much commission he wants to get, if the salesman is more "ruthless" - the commission is more, then the ** is naturally high, and it may be more than 200 yuan.

On the contrary, if the salesman wants to rush the performance or want to do "long-term business" with customers, he will attract customers to buy car insurance from him with a lower **.

Since there is a non-transparent situation in finding an insurance salesman to buy car insurance, why are so many car owners willing to find a salesman offline? This is an "interesting" phenomenon. Every car owner always thinks that he can meet an "affordable" insurance company, and thinks that the rebate given by the salesman to himself is the "highest", which is cheaper than buying online.

There is also a situation where some older car owners do not know how to buy car insurance online, so they can only find a familiar salesman to buy it.

Therefore, the people who buy car insurance online are mainly young people. Generally speaking, young people will buy car insurance in a small program on Alipay, and after entering the type of insurance they want to buy, the date of the vehicle license, the brand of the vehicle and other information, they will jump out of each insurance company**. At this time, we select the insurance company according to the ** comprehensive.

To sum up, we can buy car insurance through two ways: self-service purchase on the Internet and offline purchase by a salesman.

There are a few ways to get a more affordable premium when buying car insurance. Generally speaking, the cheapest way to buy car insurance includes comparing different car insurance plans on the insurance company's official website, buying a certain amount of insurance, purchasing long-term insurance, accumulating safe driving mileage, maintaining the vehicle well, and adding safety devices that can reduce risk.

First of all, comparing the insurance plans of different car insurance companies is an important factor in whether it is cheaper to buy car insurance, because the insurance plans of different companies cover different risks, and the insurance cost will be different, and comparing the car insurance plans of insurance companies online can give you a better understanding of the situation in the market.

Secondly, when buying insurance, you can consider buying a certain amount of insurance, because the higher the insurance amount, the cheaper the entire car insurance will be. In addition, you can also consider buying car insurance for a long time, and when buying insurance, you can choose to buy insurance for two years or even longer, which will allow you to save more money and help avoid the risk of reducing price increases.

In addition, it is also possible to make the cost of insurance cheaper by adding safety devices or accumulating a certain number of safe driving miles. For example, installing safety devices such as anti-theft devices and airbags on the vehicle can increase the safety of the vehicle and reduce the risk of theft or traffic accidents, so that insurance companies can provide greater discounts when it comes to car insurance**. In addition, if Hua Songyu can accumulate a certain amount of safe driving mileage, it is also an effective way to make insurance costs cheaper.

When buying car insurance, it is also necessary to take good care of the vehicle, because the maintenance of the vehicle also has a great impact on the cost of car insurance. Regular inspections of vehicle condition and replacement of heavily worn auto parts can make insurers less concerned about such safety risks.

Overall, there are many ways to buy car insurance cheaply, and you can get a more affordable premium by comparing different car insurance company insurance options, purchasing long-term insurance, adding safety features, accumulating safe driving mileage, and maintaining your vehicle well. <>