What are the tips for car insurance insurance, and what are the tips for car insurance

Let me say a few words.

Affordable plan.

If the driver is a veteran with many years of driving experience, and the car has been parked in a relatively reliable and safe parking lot during use, even on the way to and from work.

Nothing special.

In secluded sections, the car itself does not belong to a very common model with a relatively high loss rate, and the individual has purchased a life insurance product.

Accident insurance.

Then you can choose the following insurance options.

Vehicle damage insurance.

Third Party Liability Insurance.

Excluding. Free odds.

Narrow pass. This combination is both economical and affordable. However, as a veteran driver, if the risk of car theft is high and there is no life accident insurance, then you should be insured according to the following combination: vehicle loss insurance + third-party liability insurance + excluding odds insurance +

Theft and theft. Liability insurance for people on board.

Novice on the road. of the program.

Compared with the "veteran" with driving experience, the novice must spend more money to seek protection. Because in general, novices are on the road, and it is inevitable.

Bump bump. The frequency of accidents is also relatively high, and it is recommended to insure the following combinations: vehicle loss insurance + third-party liability insurance + excluding deductible odds insurance + theft insurance + vehicle personnel liability insurance +

Scratch insurance. Glass breakage insurance alone.

Of course, if the security measures at the parking place of the car are good, and the driver himself thinks it is safe and reliable, then you can consider not taking out theft insurance).

Modified cars. Need to buy.

Spontaneous combustion insurance. Insurance experts particularly remind that the on-board personnel liability insurance can be divided into "driver" seats and "passenger" seats separately insured, the above-mentioned combination of on-board personnel liability insurance is aimed at the "driver" seat, whether the "passenger" seat should be insured, depending on whether the driver usually carries people more frequently, if so, it is recommended to buy a "passenger" seat of the on-board personnel liability insurance; If not, you can save the cost altogether. In addition, due to.

Spontaneous combustion of the car. Under normal circumstances, spontaneous combustion insurance can not be purchased, but there are two exceptions, one is taxi, because there are not a few taxis that spontaneously combustion, due to the installation of taximeters, the line is easy to age, and the possibility of spontaneous combustion is greater; The other is a modified car. Due to the personal preference of the owner, moving all the products with large loads such as headlights and subwoofers into the car, even if only one line is not arranged, may cause a short circuit and spontaneous combustion.

It is recommended to insure the new car with compulsory traffic insurance + car damage insurance + three insurance + deductible insurance + car seat insurance, such as often going to other places, it is recommended to add theft insurance and glass insurance, and it is recommended to insure a compulsory traffic insurance and three insurance for more than 8 years.

Car insurance, among which many universities ask, how can we ensure the safety of the car and their own personal safety, and spend less money? If you want to save money, you can take a look at the following suggestions.

1. The insurance amount of the vehicle shall be determined according to the purchase price of the new car

The amount insured by vehicle damage insurance can be determined based on the value of the new car or the actual value at the time of insurance. However, it should be noted that the insurance amount must not exceed the value of the vehicle, because the excess amount is invalid.

2. Liability insurance for people on board

It is more cost-effective to insure one or several seats according to the usage at the time of application, and if there are more than 2 seats, it is more cost-effective to insure all 4 seats.

3. Third party liability insurance

The third liability insurance has 50,000, 100,000, 150,000, 200,000, 300,000, 1 million and other grades.

Fourth, spontaneous combustion insurance

Spontaneous combustion insurance is to pay for the loss caused by the spontaneous combustion of the vehicle due to oil circuits or circuits. Summer is the season of spontaneous combustion of automobiles, and it is best to add a spontaneous combustion insurance to be prepared.

5. Theft insurance and car damage insurance for old cars

The actual value of the vehicle is determined by the purchase price of the new car minus depreciation when the theft insurance and car damage insurance of the old car are insured, and the depreciation is generally 10/1000 per year per year. However, it should also be noted that when applying for insurance at the depreciation price, the insurance company will also pay compensation according to the proportion of the new car price to the depreciation price. That is to say, if the purchase price of a new car is 100,000 yuan and the depreciation price is 80,000 yuan, then after the accident, correspondingly, the owner can only get 80% of the compensation.

Car insurance is an integral part of a car. When we have a cross-beam accident, it can help us pay a certain amount of money and reduce our stress. So, how do you choose car insurance?

Among all car insurance products, the highest insurance rates are forced insurance, car damage insurance, triple liability insurance, and no compensation rider insurance.

1.If your car is scratched. As long as the car is less than three years old, scratch insurance can be added.

2.If your car is often driven at high speed on elevated roads, it is recommended that you take out a separate breakage insurance for the glass, which is like a slippery glass that you do not have to worry about even if the glass is broken by the small stones you see.

3.If your car is more than eight years old, you can purchase let's talk about spontaneous combustion insurance.

4.If you are not sure about your driving ability, you should apply for seat insurance for the driver and passengers!

Also, a reminder to pay attention to when making car insurance claims. If the owner A collides with the business vehicle B, and the owner A is fully responsible, then the economic loss of the owner of the business vehicle B during the maintenance period may be borne by the owner A independently, for example, if you hit a taxi, you are fully responsible, and the maintenance period of his car takes two days, then the insurance company will not bear the loss of the taxi driver for two days, and you must negotiate with the taxi driver to deal with his economic loss within two days.

How to buy car insurance is a big question. Everyone should pay more attention and buy according to their own situation, instead of blindly following the trend, which will only waste money.

Millions of car purchase subsidies.

Car Insurance Tips:

First, we must know ourselves and our opponents, and "prescribe the right medicine". If the vehicle has poor anti-theft resistance and is often parked in an unattended parking lot, it should be insured for theft.

Second, it is necessary to reasonably match the types of insurance and liability limits to ensure adequate protection. If it is a mini-car for commuting, you can choose a commercial three-party guess with a limit of 100,000 yuan or 150,000 yuan.

Third, it is necessary to make good use of special clauses and risk adjustment factors to save on insurance premiums.

Fourth, drive cautiously and avoid multiple claims. There is a "no compensation preferential treatment and the rate adjustment factor of the previous year's claim record" in the insurance terms and rate regulations, and the premium can be discounted by up to 30% for the previous year or the company has not paid compensation for several consecutive years.

Fifth, choose your sales channels carefully. Generally speaking, you will get a premium discount if you buy directly at the insurance company's business outlets, through the insurance company's ** sales center or e-commerce website.

With the continuous popularization of the Internet, many of people's needs and services can be met through online ordering. Car owners can go to the official websites of major insurance companies to learn about the relevant content of the car insurance they want to insure, which is fast and convenient. Some insurance companies have been equipped with a complete online marketing system, you can directly fill in the policy online, pay for it, and answer questions from customer service.

**Insured** insurance, that is, the car owner tells the insurance company which car insurance he wants to insure. Most of the insurance applications that choose the ** insurance method are renewal business, because the previous information already exists in the insurance company, as long as the policyholder indicates to the insurance company that he still needs the insurance company to provide the previous car insurance business. Because insurance is fast, simple and convenient, it is also loved by many car owners today.

The insurance cost is also relatively low, because the intermediate links such as the insurance person are omitted, and the insurance company directly transfers the profit to the customer. This should be the most traditional way to apply for insurance, so that the policyholder can fully understand the type of car insurance in the insurance company, and avoid the possibility of being deceived into insurance. However, due to the fact that it is insured with an insurance company.