Which types of car insurance are the most cost effective, and which types of car insurance are the m

1. Third-party insurance.

2. Compulsory traffic insurance.

3. Deductible insurance is not included.

These three types of car insurance are relatively cost-effective.

Further information: 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 of motor vehicles.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Mobility insurance. Motor vehicle insurance is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into two categories: compulsory traffic insurance and commercial insurance, and commercial insurance can be specifically divided into two parts: basic insurance (also known as main insurance) and additional insurance.

Motor vehicle insurance was born at the end of the 19th century, and the world's earliest motor vehicle insurance policy was issued by the British "Legal Accident Insurance Company" in 1895, with an insurance premium of 10 pounds to 100 pounds.

Mobile insurance. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Nowadays, with the popularity of automobiles, it is not difficult for many families to buy a car. But when we buy a car, we will be very entangled, not only because of the model, configuration and **, but also because of the cover of the car insurance. After buying a car, many people are struggling with how to buy car insurance and how to bring the highest protection at the highest cost performance.

It can be said that when buying a car, car insurance is the most headache for car owners. Not all car insurance is the best, as some car insurance is useless at all, so it will be very cost-effective if you buy them all.

First, there is a provision in this car insurance that excludes special insurance that there is an absolute deductible. For example, in the event of an accident, if the owner is fully responsible, the maximum deductible is generally 20%. If your repair fee is 20,000 yuan, the insurance company will pay you 16,000 yuan, and the car owner will pay another 4,000 yuan.

If you buy this insurance, the owner will not have to pay the remaining £4,000. 2. Car damage insurance, car damage insurance is used to compensate for yourself. If your car is involved in an accident, all these losses can be compensated by the insurance company.

After buying this car insurance, the owner does not need to bear the cost of repairing the car, which is a very important insurance for the vehicle itself. Car damage insurance, including accident accidents, is also covered. Third, third-party liability insurance, as the name suggests, is that in the event of a traffic accident, third-party liability insurance can be very useful, if the parties themselves bear the main responsibility.

Now there are so many luxury cars on the road. If you encounter a luxury car one day, third-party liability insurance will come in handy. So this car insurance is a must.

Fourth, compulsory traffic insurance, China's traffic laws and regulations stipulate that cars must pay a fee every year, and this fee is compulsory traffic insurance. If you do not pay the compulsory traffic insurance, you will be fined points if you are found on the road. And after buying compulsory traffic insurance, there will be an insurance logo, which should be affixed to the front windshield of the car.

If you don't post it, you will also be deducted points and fines. To sum up, I recommend that you buy these types of insurance: compulsory traffic insurance, car damage insurance, excluding deductibles and third-party liability insurance, which is cost-effective.

However, what exactly to buy, you still have to buy according to your own needs.

Millions of car purchase subsidies.

1. Comprehensive type: compulsory traffic insurance + commercial three liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + glass separate breakage insurance + deductible special contract + body scratch loss insurance.

About 20% of car owners choose this type combination.

Suitable for new car owners and car owners who need comprehensive protection.

2. Conventional type: compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + deductible special contract.

About 60% of car owners choose this type of combination.

It is suitable for vehicles parked in parking places with long-term fixed personnel guarding, and also suitable for car owners who have a certain driving experience and are willing to bear part of the risks themselves.

3. Economical: compulsory traffic insurance + commercial three liability insurance (100,000 yuan) + car damage insurance + deductible.

About 15% of car owners choose this type of combination.

It is suitable for owners who have been using their vehicles for a long time and who are skilled in driving and are willing to take most of the risks themselves.

4. Risk-based: only purchase compulsory traffic insurance. Compulsory traffic insurance only pays the third party (injured party) in the accident, and the maximum compensation for personnel is 110,000 yuan, 10,000 yuan for hospitalization, and 2,000 yuan for property damage, but the compensation for the death of people caused by a car accident in Chengdu should be more than 200,000 yuan, and the hospitalization medical expenses are far from enough, and the vehicle loss cost of 2,000 yuan is far from the same.

In addition, you will be responsible for any damage or theft of your car. Therefore, this combination is extremely risky.

About 5% of car owners choose this type of combination. Insurance experts generally do not recommend this option.

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

Hello, compulsory traffic insurance is a must-buy.

If you need more in-depth answers, you can click on the link below to receive an exclusive service.

In the case of commercial insurance, it is generally recommended to damage the car and all three.

If you need car insurance**, you can click on the small card above, and there will be **specialist's one-on-one service for you**.

What does it mean to ask a question without deductibles?

Answer: Deductible insurance refers to an additional insurance to commercial insurance (car damage insurance or triple liability insurance). The insurance liability usually refers to "the part of the deductible amount that should be borne by the insured after the occurrence of an accident according to the deductible calculated according to the corresponding main insurance clause, and the insurance company will be responsible for compensation within the liability limit".

Generally speaking, if you take out this type of insurance, you can transfer 5% to 20% of the liability that you should be responsible for to the insurance company.

Q: Does commercial insurance not include deductibles?

Answer: Car insurance does not include a deductible and does not need to be purchased separately. After the 2020 car insurance reform, the deductible will be included in the coverage of car damage insurance, and car owners do not need to purchase it separately, as long as they purchase car damage insurance, they can enjoy the protection without deductible.

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.

The state stipulates that the purchase of a car must purchase compulsory traffic insurance, and other insurances can be determined at their own discretion. The optional car insurance includes: car damage insurance, third party liability insurance, vehicle occupant liability insurance, theft, glass, basic insurance without deductible, scratch insurance, engine loss insurance, and spontaneous combustion insurance.

Reference: Compulsory traffic insurance + car damage insurance + third-party liability insurance (150,000) + additional insurance (basic insurance does not include deductible).

It mainly depends on whether you are a novice or a veteran, and it is recommended to buy full insurance if you are not confident in yourself. If the economic situation does not allow it, it is recommended to only buy car damage and a third party, and then add a deductible that is not as good as the special contract.

Car owners are often confused and unable to choose when faced with a wide variety of car insurance. So, what kind of car insurance is really needed by the public? Let's analyze and analyze, in general, which types of car insurance are better.

Before analyzing the question of which types of car insurance are better, we can first classify and compare car insurance. First of all, the classification of automobile insurance can be divided into compulsory traffic insurance and commercial insurance according to the commercial nature. Among them, compulsory traffic insurance is compulsory to purchase, and under normal circumstances, car owners must purchase commercial insurance together with compulsory traffic insurance at the same time.

It should be emphasized that compulsory traffic insurance is the most basic type of insurance, and if you do not buy it, the vehicle cannot pass the annual inspection. Secondly, commercial insurance can be divided into additional insurance and basic insurance according to its function. Basic insurance provides basic protection for people and vehicles.

In general, basic insurance is recommended. As for other additional insurance, car owners can consider which types of car insurance to buy, and can choose according to their own vehicle value and driving level. Basic insurance is basically divided into vehicle damage insurance and third party liability insurance.

Vehicle damage insurance is the loss caused by the vehicle in the event of an emergency or some natural disasters such as rain, snow, hail, etc., and the insurance company will compensate for the loss. Third-party liability insurance means that if the insured suffers an accident during the use of the insured vehicle, resulting in the loss of life and property to the third party, the insurance company will compensate for it. The additional insurance can be divided into glass breakage insurance, spontaneous combustion insurance, vehicle personnel liability insurance, new equipment loss insurance, vehicle theft insurance, deductible insurance, body scratch loss insurance, etc.

This generally varies from insurance company to insurance company. In addition, additional insurance generally cannot be underwritten independently, and it is necessary to purchase basic insurance first and then purchase it together. In addition, car damage insurance, theft insurance, and vehicle personnel liability insurance are car insurance that everyone generally buys in the face of car insurance.

In fact, in general, the specific situation is analyzed, and for people with different needs, the types of car insurance to buy are also different. By the way, car owners should never have the idea that more is better. After all, when it comes to driving, it's more important to be careful and raise awareness of safety precautions.

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

How to buy car insurance is cost-effective? It is enough to buy these kinds of home car insurance, take a look at my actual **, and share my actual experience with you!

Compulsory traffic insurance is required by law. The premium is unified across the country, and the main influencing factor is the "number of car seats". Third-party liability insurance should also be bought, and if you have an accident while driving, you will either hit someone or break something, and the third-party insurance will pay for this part.

The ** of the three liability insurance varies according to different protection amounts, and the common amounts are 500,000, 1 million, 1.5 million, and 2 million. Car damage insurance is a type of insurance that needs to be repaired after an accident, and this part of the cost can be reimbursed.

Motor vehicle theft insurance is insurance for vehicle theft, robbery, and robbery. It's better to buy an expensive car, and you don't have to buy a cheap car. Liability insurance for persons on board of motor vehicles (referred to as seat insurance), the insurance of the person on the seat suffering from personal **, can be purchased according to demand.

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

Deduct 1 point, fine 200, impound the motor vehicle, and being caught by the police on the road without buying compulsory traffic insurance is the consequence, so you can't save this money, the cost of the new compulsory traffic insurance is still 950 and 1100, but the insurance amount 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 knock down a tree, and the cars parked under the tree are all crushed, and you have to pay a lot of money, the value of the three insurances can be reflected in the spine leakage. 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 oneself.

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 has been 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 everyone 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 and 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's passenger insurance (on-board personnel liability insurance).

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, many families only have one car, and most of the drivers are the pillars of the family. You can consider purchasing all the contents of the insurance except for the spontaneous combustion loss insurance.

1. How to buy online car insurance?

1) Log in to the regular**: When the owner buys car insurance, it is best to buy it at a fixed insurance sales outlet to prevent illegal **or fishing** purchase, which will only cause him to lose his property. Be sure to look at ** before buying, go to the official website of the insurance company to buy.

2) Check the terms: After determining to buy insurance, you must pay attention to the terms of each car insurance contract, many car owners do not carefully read the terms of the habit when buying car insurance online, if you miss the terms that do not meet your willingness to buy, so the gains outweigh the losses.

3) Approve the policy: There is a difference between buying car insurance online and interviewing, and you must pay attention to approving the policy when buying insurance.

4) Make a remittance: At present, online car insurance is paid by bank transfer. The premiums are directly deposited into the designated account of the insurance company, so as to avoid the ** person from embezzling the premium.

2. What documents are required to buy compulsory traffic insurance?

To buy compulsory traffic insurance, you need a personal identity document, vehicle driving certificate, and driver's license. Compulsory traffic insurance is a compulsory liability insurance that the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit.