How do people buy car insurance？
The conventional basic insurance includes traffic compulsory insurance, vehicle loss insurance, excluding non-loss insurance, and usually we commonly known as the full insurance on the basis of the first three kinds of insurance plus third party liability insurance, car personnel liability insurance, the whole car theft and rescue, scratch insurance, glass single damage insurance, a total of 8 kinds of insurance。 Traffic compulsory insurance for the insurance must be protected, novice driving must be added to the third party liability insurance, good economic conditions, and have the habit of parked vehicles and often to the field on business vehicles recommended to buy illegal rescue。 To the extent that the economic situation permits, it is recommended that new cars be purchased as mentioned above" all risks"。
Novice driving, are generally more careful, cherish, less major accidents, however, because of driving technical reasons, the situation of vehicle rub touch will be more, standing on the customer's point of view, it is recommended to buy body scratch insurance。 The owner can also according to their own situation, the degree of vehicle care, insurance needs and other factors to consider the purchase of car damage insurance。 Second, third party liability insurance is also recommended to buy, the insured amount of not less than 100 thousand yuan。 Because this kind of insurance involves property and personal safety compensation, in the case of traffic accidents, the property and personal safety of others will have a certain protection。 For the car personnel liability insurance, if the purchase of life insurance, you can not buy。 If the customer has their own parking space, there is a special community property management care, theft and rescue can be considered not to buy。
Skilled: according to the security needs of insurance
Driving experience of more than two years, if satisfied with their own driving technology, you can choose to cover only third party liability insurance and compulsory insurance, if in order to be on the safe side, also suggested to cover third party liability insurance and car personnel liability insurance。 According to the different car prices, we also suggest that: the car price of 30,000 yuan - 100,000 yuan or so models, additional insurance of vehicle loss insurance, excluding non-compensable insurance, if the risk awareness of higher people, especially female owners, on this basis, additional insurance of vehicle personnel liability insurance, minivans and minivans must be additional insurance of vehicle personnel liability insurance; The vehicle price between 100,000 yuan and 250,000 yuan, it is suggested that in the above mentioned insurance coverage of additional vehicle loss insurance, the whole car theft rescue。
Second - hand car: add insurance to your car
If it is" Age of vehicle" Two to five years old, the car is also good, the applicant can according to their own needs to get what kind of protection and the corresponding insurance。 If the insured person has a long driving life and is skilled in driving, the insured amount can be appropriately reduced, for example, the amount of third party liability insurance can be appropriately reduced。
People who normally drive for more than five years can also be counted as" Old driving" , in driving technology is not too big problem, but the vehicle with the increase of the service life, performance may be reduced, the phenomenon of spontaneous combustion of vehicles, especially the micro car, it is recommended that the vehicle use more than 5 years old drivers to increase the insurance of self - combustion。
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