How to buy car insurance is the most cost effective, is it enough to buy a car full insurance?

First, regardless of whether it is a new car, an old car, or a novice or a veteran, compulsory traffic insurance must be purchased. This is a national compulsory insurance, and it is also the most basic guarantee.

Second, if the car owner is not very wealthy or the value of the vehicle is low, he can directly choose third-party liability insurance, which provides the lowest protection.

Third, on the basis of third-party liability insurance and compulsory traffic insurance, vehicle loss insurance is added, which is a common combination, which can basically protect the loss of oneself (person) and the other party's vehicle (car).

Fourth, vehicle loss insurance and third-party liability insurance are basic insurance, since the bulk has been spent, on this basis, add two additional insurances, excluding deductibles and vehicle theft insurance. It is the choice of most people at present, and it can reduce the risk of vehicle loss to a very low level.

Fifth, if you don't have an independent garage in your car, often parked on the side of the road, the glass may be easy to be smashed, it is recommended to buy a separate glass breakage insurance, if there is an independent garage, or parking is safer, you don't need to buy.

Sixth, in the first year of a new car or a novice, it is easy to scratch and other minor accidents, it is recommended to purchase scratch insurance.

To sum up, in addition to the "compulsory traffic insurance" that must be insured by the state, car owners can choose the most suitable type of insurance for themselves based on their actual situation, which is both economical and can obtain comprehensive protection.

1. However, most of the 4S stores give 8 types of insurance, namely compulsory traffic insurance, vehicle loss insurance, deductible insurance, third-party liability insurance, vehicle personnel liability insurance, full vehicle theft insurance, scratch insurance, and glass breakage insurance. Except for compulsory traffic insurance, which is mandatory to purchase, the other 7 types are commercial insurances that can be purchased as an option. 2. It is generally recommended that car owners buy full insurance in the first year, and the amount of insurance claims for car damage insurance and third-party liability insurance can be set higher.

There are many kinds of car insurance, and you can get a tax refund for a single payment, and you can pay a single business after you finish it, chexian1211, so that it is the cheapest to buy, and it will save you hundreds directly.

1. Compulsory traffic insurance and compulsory traffic insurance must be bought, which should be very clear to friends who have bought a car. Since 2008, this type of insurance has been required for all new cars and those with expired insurance, and this rule has continued to this day. In fact, it is not expensive to say that traffic compulsory insurance, and there is also a certain amount of protection, which is still very good;

2. Of course, some friends may not want to buy this kind of insurance, but if you don't buy it, the car will not be licensed, so once it is found out, the matter will be serious. Therefore, you must not compete with the rules, and you must still buy compulsory traffic insurance;

3. Third-party liability insurance, this kind of insurance is to serve others, of course, it is to provide certain protection for ourselves. Once there is an accident is our responsibility, then the third-party liability insurance is useful, in general, this kind of insurance is recommended to buy a higher amount of insurance, first of all, many cars are more expensive, and there are a lot of luxury cars. If you accidentally collide with a luxury car, the cost of compensation will be a very scary number, so it is generally recommended that you buy 500,000 or even 1 million gears.

Millions of car purchase subsidies.

According to the recommendation of the product, you can choose the car insurance that is more suitable for you, or understand the specific situation of the car insurance and understand the insurance items.

I think it's the most appropriate to buy according to your own situation, because it can be tailored to your own situation, and the price is not too expensive.

At this time, you should go to a professional car insurance company to buy instructions, and when buying car insurance, you should also pay attention to the content of car insurance, and you should also pay attention to the personal financial situation, and you should also pay attention to the cost performance of this insurance.

<> "How to buy the most cost-effective car insurance?

Nowadays, the ** of cars is becoming more and more diversified, and you can buy high-quality and inexpensive models for 50,000 yuan. After buying a car, in addition to giving your car a license plate, you naturally need to buy car insurance for your car, otherwise the vehicle will not be able to go on the road normally. It's just that for Xiaobai, they often don't know which car insurance to buy?

Today, let's talk about this topic and give you little white lightning protection.

1. Compulsory traffic insurance.

Compulsory traffic insurance is a type of insurance that every car owner must purchase. If you don't have car insurance, the vehicle won't be able to go on the road. However, such a mandatory restriction is also out of responsibility for the car owner.

The cost of this type of insurance is uniformly stipulated by the state, so the charging standard is relatively standardized. However, there are certain differences in the amount of compulsory traffic insurance that different cars need to pay, and the main difference is the number of car seats.

After purchasing this type of insurance, if the owner has a traffic accident, the insurance company will compensate the victim (excluding the car personnel and the insured) for the personal and property losses caused by the road traffic accident of the insured motor vehicle within the liability limit. However, it should be noted that in the case of a major accident, the amount of compensation paid by the insurance company is often a drop in the bucket.

2. Third party liability insurance.

It has always been circulated among the old drivers"Car owners who don't have commercial insurance can't afford to get hurt"This sentence. Objectively speaking, this sentence truly shows the importance of commercial insurance. After buying a car, you must buy third liability insurance.

However, the owner needs to know that this type of insurance is divided into grades, with a minimum of 50,000 yuan and a maximum of no more than 10 million yuan, and the owner can purchase according to his actual situation. Generally speaking, it is recommended that the car owner has an insurance amount of 1 million. Because, the compensation amount of this level of insurance is relatively considerable, which is suitable for most of the Che Xianghong banquet owners.

3. Car damage insurance.

When the car is driving on the road, it is very likely to encounter accidents or sudden natural disasters, so the owner needs to purchase car damage insurance. In this way, the owner of the car can get a certain amount of compensation. When applying for insurance, it is recommended that all car owners are insured in full.

However, car damage insurance also has a specific scope of compensation, and in some specific circumstances, the insurance company will not compensate. For example, ** or damage to the car caused by the owner's own drunk driving, etc. After purchasing a car, car owners need to have a further understanding of the use of this type of insurance.

4. Deductible insurance is not included.

This type of insurance is an add-on to commercial insurance, so the car owner cannot be insured separately, which means that the car owner needs to purchase two types of insurance.

However, this type of insurance is very practical and well worth insuring. Because after the car owner has purchased this insurance, once a traffic accident occurs, then it is natural to transfer 5% to 20% of the compensation liability that should be borne by himself to the insurance company to reduce his own financial pressure. The above are the four most practical car insurance policies.

Of course, qualified car owners can also purchase other types of insurance.

Many friends are very distressed when buying car insurance, because when your car insurance is about to expire, there will always be various insurance companies to call you, but out of personal psychology, basically do not believe it, so many friends do not know about car insurance. Because everyone has their own jobs in normal times, and they don't know much about car insurance, if you have a heart, you may still learn about it when you are free, but after all, you won't know so comprehensively. Therefore, there are many people who will ask their friends, ask some old drivers, and ask them to recommend some insurance, which is the true practice of most friends.

Here's a detailed explanation of how to buy car insurance.

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

The purchase of car insurance should be combined with the brand of the car, the insurance situation of the previous year and the driving skills of the car owner to comprehensively determine which combination to buy is more cost-effective, and you can compare and analyze the insurance portfolio suitable for you by different insurance companies.

Extended information] Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance, of which commercial insurance includes two parts: vehicle main insurance and additional insurance. Compulsory traffic insurance is mandatory for the state to purchase, while commercial automobile insurance is for car owners to choose whether to buy or not.

Auto Insurance Portfolio Analysis:

1.Minimum Coverage.

Combination: compulsory traffic insurance + third liability insurance.

Target: Owners who are eager to get a license plate or pass the annual inspection.

Advantages: The cost is low, and the accident can guarantee the compensation of the other party. Cons:

The protection is not large, and once the accident occurs, the owner will lose a lot. Third party liability insurance is mandatory and is required during the annual examination of the car. It refers to the direct loss of property and personnel of a third party caused by an accident in the process of using the insured vehicle.

However, once the accident occurs, the owner's own losses are not covered.

2.Basic coverage.

Combination: compulsory traffic insurance + third liability insurance + vehicle loss insurance.

Target: Experienced drivers.

Advantages: Cover the basic risks, in the event of an accident, the owner and the third party can receive partial compensation. Cons:

This combination is not perfect for novices. Vehicle damage insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer will compensate according to the provisions of the insurance contract. This is the opposite of third party liability insurance, which protects you and if you take care of your car, you have to buy it.

3.Financial insurance.

Combination: compulsory traffic insurance + third liability insurance + vehicle loss insurance + special insurance excluding deductible.

Target: Budget-conscious car owners.

Advantages: cost-effective, basically larger risks are protected, the premium is not high, and the insurance is practical. Cons:

It is not very practical for higher-end cars, and once there is an accident, it will naturally cause great losses such as theft and theft. Excluding the deductible, it is an additional insurance, and the insurance company is responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or the third party liability insurance, and the deductible amount (20%) corresponding to the insured is compensated. Regardless of the deductible amount insurance is almost a good type of insurance that must be insured, it is recommended to add.

Especially for newbies, it will be useful to add it, especially when you encounter a large accident loss, this type of insurance can greatly reduce your losses.

How much is car insurance a year? This is mainly calculated according to the needs of consumers, generally speaking, compulsory traffic insurance, car damage insurance, third-party liability insurance, etc. are more necessary types of insurance, which need to be purchased. Others, such as theft insurance and glass insurance, are purchased according to the needs of their own vehicles.

How much is car insurance a year? <> "How to buy the most cost-effective car insurance? Here's a closer look.

How much is car insurance a year?

This mainly depends on the demand, and it is recommended that car owners are equipped with compulsory traffic insurance, vehicle loss insurance, and commercial third-party liability insurance, while glass insurance is purchased at their discretion. Generally speaking, a car insurance costs between 4000-6000 per year. The following is a relatively complete car insurance that costs more than 6,000 a year.

How to buy car insurance cost-effective?

1. Selection of car insurance types

Compulsory traffic insurance, third-party liability insurance, and car damage insurance must be bought, and don't ignore the importance of these three car insurances in order to save money.

Scratch insurance, spontaneous combustion insurance, wading insurance and deductible insurance can not be bought, and the owner can choose according to his financial ability.

Second, the choice of purchase channels

Car insurance** purchased on the official website of the insurance company is the most cost-effective, generally 15%-30% cheaper than the purchase through normal channels; Secondly, you can choose ** car insurance or go directly to the insurance company to buy. Generally speaking, intermediaries and 4S stores are the most expensive to buy car insurance**.

Third, multi-party comparison

Before purchasing, you can compare the ** of each insurance company and choose the ** more favorable one.

Fourth, pay attention to claims and renewals

1. Deal with it by yourself, find an insurance company for time and effort, and leave a case record.

2. It is recommended to renew the insurance about 5 days in advance.

3. Be sure to go to a regular insurance company or ** institution to handle it.