Is it good to buy car insurance? How to buy car insurance is the most suitable

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 passengers.

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 damage insurance is the most widely used type of insurance in vehicle insurance, 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 for compensation 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.

Principle 6: Other types of insurance should be 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.

Seek satisfaction.

Summary. Hello, dear. Car insurance is most suitable for the following:

1. First of all, purchase compulsory traffic insurance; 2. Sufficient third-party liability insurance: The third party of all types of auto insurance is the most important. After all, you can't drive a car if it's ruined, but you can't be exempted from compensation from others, and you should put the ability to compensate others for their losses in the first place when buying car insurance.

3. Liability insurance for personnel on the vehicle: Liability insurance for personnel on the vehicle is the main insurance for commercial insurance, and its main function is to compensate for the insurance of the personnel in the vehicle caused by traffic accidents, and the insurance amount for each seat is generally 1-50,000 yuan. Liability insurance is very important for car owners, 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 that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while driving the insured vehicle or its permitted driver.

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, in order to reduce losses, you can consider purchasing all the insurance content except for spontaneous combustion loss insurance.

Hello, dear. The following are the most suitable for car insurance: 1. First of all, buy compulsory traffic insurance; 2. Full third-party liability insurance:

The third party is the most important for all types of car insurance. After all, you can't drive a car if it's ruined, but you can't be exempted from compensation from others, and you should put the ability to compensate others for their losses in the first place when buying car insurance. 3. Liability insurance for the occupants of the car:

The liability insurance of the vehicle personnel is the main insurance of the vehicle commercial loss insurance, and its main function is to compensate the vehicle for the insurance of the personnel in the car caused by traffic accidents, and the insurance amount for each seat is generally 1-50,000 yuan. Liability insurance is very important for car owners, 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 that the insured or its driver who allows the wheel to be dismantled causes damage to the insured vehicle due to 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, in order to reduce losses, you can consider purchasing all the insurance content except for spontaneous combustion loss insurance.

Legal basisAccording to the provisions of the "Regulations on Compulsory Traffic Insurance", the owner or manager of the motor vehicle driving on the road within the territory of the People's Republic of China shall be insured with compulsory traffic insurance, and if the owner or manager of the motor vehicle fails to insure the compulsory traffic insurance in accordance with the regulations, the traffic management department of the public security organ has the right to detain the motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium payable.

Car insurance can be purchased at Dadi Car Insurance.

Because our country's economy is developing very rapidly, people are getting richer and richer. And with the development of China's automobile industry, domestic automobiles have declined, so many people have bought cars to facilitate their families' travel. The increase in cars can also cause a number of problems, the most obvious being the increase in traffic accidents on the road.

In this case, many car owners will buy other commercial insurance in addition to the most basic compulsory traffic insurance. There are many national insurance companies, and many new companies have been established in recent years, so many people have no idea which company to buy from.

First, the land car insurance is better. Dadi Auto Insurance is an industry under the umbrella of China Dadi Property Insurance Co., Ltd., which was established in 2003. Because of the large registered capital and strong strength of the company, it has established 36 branches and more than 2,000 directly operated institutions in just 18 years.

In this case, if we want to buy car insurance, we can choose Dadi car insurance. There are many types of car insurance in Dadi, because there are more and more insurance companies on the market, occupying the market, in order to allow more users to choose themselves, so they will be more favorable than other insurance companies in some aspects. When buying insurance, a part of the profit will be ceded, so that the user becomes a permanent user.

Therefore, if you want to buy car insurance, you can choose Dadi car insurance.

2. What commercial insurance should I buy for my car?In addition to compulsory insurance, every car owner should purchase some commercial insurance. In my opinion, it is necessary to buy third-party liability insurance, which has a very strong ability to pay and can be fully compensated even in the event of a major traffic accident.

Car damage insurance is also very important, if there is a problem with our car, it is inevitable that there will be a financial dispute with the owner of the other car. Now is a society governed by the rule of law, and it is common to go to court, and as long as you buy car damage insurance, you can use the recovery function to let the insurance company go to court with the other party. Therefore, these two insurances must be purchased, so that we have no worries.

It should be Chinese life car insurance, sunshine car insurance, and earth car insurance may be better. Because these insurance companies may have been in China for many years, and the overall strength and influence in China are very good.

Hello, according to my friends and classmates, everyone understands each other, and PICC car insurance is the best. From the analysis of premiums**, insurance services and other perspectives, it is true that his family has the best evaluation.

1. PICC Auto Insurance Chinese Property Insurance Co., Ltd. **** (PICC P&C, referred to as "Chinese Property Insurance", the same below), is the core member and landmark main business of the "world's top 500" Chinese People's Insurance Group Co., Ltd. **** (PICC), and is a large state-owned property insurance company with the longest history, the largest business scale and the strongest comprehensive strength in China, and the premium scale ranks first in the Asian property insurance market.

1. Ranked first among the brands of a single subsidiary of the world's leading insurance group.

You can choose Pacific Insurance, which is a very good insurance company, and everyone can rest assured that the car insurance in it is purchased.

Ping An is relatively good, this company is very famous, and many people will buy insurance in this company.

Choose Sunshine Insurance, which is also a very good insurance company, and this insurance company has been established for a very long time.

Sunshine, Taiping, Ancheng, and Liberty are second-tier companies that can be regarded as good payouts.

Car insurance needs to buy the following:1Compulsory traffic insurance.

Compulsory traffic insurance is a type of insurance that the state mandates to purchase, and a new car cannot be bought on the road without it. Compulsory traffic insurance is mainly used to protect the personal and property damage of traffic accident victims, note that the victims here do not include the car personnel, that is, only compensate for the losses of others;2.Car damage insurance.

The literal understanding is the loss of the vehicle, note that the damage to the car here is only your own vehicle, it is recommended to be fully insured, and the value of the car is as much as you want;3.Third Party Liability Insurance. Abbreviated as "three responsibilities", that is, to protect the personal injury and property damage of third parties.

This is a supplement to the compulsory traffic insurance, because the amount of compulsory traffic insurance is limited, and the maximum is only 200,000. Therefore, third-party liability insurance generally has different insurance amounts for you to choose from, such as 500,000 yuan, 1 million yuan, etc., which can be selected according to your needs4.Seat insurance for people on board.

Insured for accidental death and medical treatment of drivers and passengers, and for injuries and losses of the vehicle; 5.Liability insurance for external drugs. After the insurance, the other party's self-financed drugs during hospitalization can also be reimbursed, otherwise the insurance can only compensate for the reasonable expenses within the scope of hospitalization, and those outside the medical insurance catalog cannot be compensated, and the car owner has to pay for it.

Among the above: compulsory traffic insurance, car damage insurance, and third-party liability insurance are required for vehicles. Several other free options.

1. Compulsory traffic insurance.

This is the insurance that must be purchased according to the state, and if you don't buy it, the traffic police will have to withhold the fine. The insurance does not pay much, mainly for others, and does not pay for your own car.

2. Third liability insurance.

In the accident, if the accident causes direct damage to other people** or property other than the driver and passengers, the insurance company stipulates compensation. The insurance company can compensate in full, and if it is its own full liability, the insurance company has a 20% deductible.

3. Car damage insurance.

Car damage insurance is paid to oneself, especially for novices, it is inevitable to scratch and scratch, and buying this insurance can reduce the loss of self and dry chain.

4. Deductible insurance is not included.

This kind of insurance is a supplementary insurance, and in many accidents, the insurance company has a 5-20% deductible in the compensation, and if you buy a deductible insurance, you can avoid these deductibles and get full compensation.

Compulsory traffic insurance. Compulsory traffic insurance is an insurance that the state stipulates that must be insured when buying a car. If you don't buy compulsory traffic insurance, the car can't pass the annual inspection, and the car can't go on the road; Therefore, it must be paid on time, and it is not okay to buy it, and it is "compulsory" by the state to buy every car. Clause.

2. Third party liability insurance. If a traffic accident occurs while driving your car, and a third-party victim causes the situation, the costs incurred at this time can be borne by the third-party liability insurance. Third party liability insurance is a supplement to compulsory liability insurance.

Due to the relatively low amount of compulsory traffic insurance, the amount of third-party liability insurance will be relatively high, and in the event of an accident, the loss for the car owner can also be reduced. Clause.

3. Car damage insurance. Many car owners cherish their cars very much, and if they are bumped into them, they will definitely feel very distressed; Or if you have a traffic accident while driving, you can make a claim for a certain amount of repair costs. Car damage insurance is a type of insurance to protect car damage, mainly for the compensation for car damage caused by accidents and collisions, and the insurance amount of car damage insurance is generally the first of the vehicle.

Of course, when buying a car in a 4S store, the salesperson of 4S will often tell the owner that it is better to buy full insurance for the vehicle. The full insurance here includes all car insurance, including compulsory traffic insurance, third liability insurance, car damage insurance without deductible, car manuscript Sun Shang or Li personnel liability insurance, spontaneous combustion insurance, glass insurance, scratch insurance and theft insurance. However, if you are a car, you don't need to buy all the insurance.

You can buy the above three, not only to ensure the bumps and bumps of your car, but also to save a lot of expenses.