How to buy a used car insurance？
With the explosion of the second-hand car market, many owners are also keen to buy second-hand cars。 In fact second-hand car is also need to buy auto insurance, difficult to second-hand car auto insurance how to buy?
Small learned that 100,000 yuan of car, even if reduced to 50,000, car damage insurance is calculated on the base price of 100,000 yuan, even if the value of significantly reduced, but second-hand car damage insurance is still in the purchase price of a new car for insurance and claims。 In theory, owners can get higher claims when out of danger, but in practice, most second-hand car owners for some small brush touch is ignored don't remember。 If the owner to buy a second-hand car is one of the purposes of saving use costs, then the owner can basically do not consider the car damage insurance, similarly, similar to scratch insurance, glass insurance and other insurance, for second-hand car is also of little significance。
Illegal rescue is the basic old and new vehicles are necessary insurance, but illegal rescue and car damage insurance is different, the insurance and insurance costs are calculated according to the real-time value of the vehicle, so the owner in the choice must take into account the factors that reduce the price of the car。
Generally speaking, the monthly depreciation of a home car is about 0. 5 % of the purchase price of a new car. 6 %, the annual depreciation rate of about 7 %, and compared with the new car, the value of second-hand cars shrink faster。 That is to say, when the insured car value of 80000 yuan, if rob stolen, and then the car value has shrunk to 60000 yuan, the insurance company's claim amount is also on the basis of 60000 yuan and then 20 % discount, small editor suggested that the owner in for second-hand car insurance, it is best to make a certain estimate of the value of the car and the possible value changes, don't spend money in vain。
When buying a second-hand car, the performance and condition of the car is often the focus of bargaining between the buyer and the seller, in fact, the history of the second-hand car is also very" valuable"。 A vehicle's history refers to the previous insurance claim record, in general, an old car with a claim record premium will be higher than the old car without a claim record, and for" Clean worth" The vehicle, the insurance company in the insurance or renewal often give a certain proportion of preferential。 Therefore, the owner in the purchase of second-hand cars, it is best to ask the original owner for the original car insurance policy, especially for some not tied car insurance, also do not take the initiative to provide insurance sheet of second-hand car more attention, perhaps accidentally, the buyer must for the car" pedigree" Pay an extra premium。
Recently, we have obtained the appearance of the new xf model and some official diagrams of the interior from the relevant channels。 The car will be unveiled in London on March 24 and will be launched globally at the 2015 new York auto show。 Jaguar's new xf is built on an IQ[ al ]all - aluminum body platform, allowing new cars to have better body rigidity while reducing body weight。
Look: the elegant appearance of the car, the new car forward air grille and front engine compartment protruding line box fusion, such a design makes the car more visual movement。 In addition, the car is equipped with a large area of skylight。
Interior: the car is equipped with a large LCD screen, the design of the air conditioning area below the center of the moment。 In addition, the new car continues the cash knob shift structure。 The centre console is surrounded by a black material and wood grain trim. the centre console is simple and the air outlets on both sides are still hidden。 The overall design is simple and luxurious。
Power: the car is carrying a 2. 0t ingen medium engine and 3. 0t engine。 In addition, the car will also carry a four-drive system。 More information about the car, we will pay more attention to it。
Tianjin second-hand car city: according to the auto sales list from January to February 2015, the top 10 self-owned brands in China are emgrand ec7, yat - sen, BYD F3, vision, yuexiang, rongwei 350, yuexiang v3, rush series, king kong and formosa。 See the following table for specific sales volume and trend: 
Notice on how to buy second - hand car insurance
Matters needing attention 1, clear purpose to insure again
Consumer insurance to clear the purpose of insurance coverage to achieve targeted。 Because insuring a car doesn't mean more is better。 For the second-hand car, it is not as new and high value as the new car, some insurance is not necessary。 For example, low-value old cars do not have to be covered for scratch insurance; If the vehicle has new equipment should be insured new equipment loss insurance, otherwise you don't have to cover the insurance。
Note 2, to determine the full amount of insurance
Because the amount of insurance will determine the amount of compensation, so consumers in second-hand car insurance, to distinguish the relationship between the insurance value, the amount of insurance and the amount of compensation。 Consumers should be realistic, full insurance, so that in case of an accident in the event of due compensation, otherwise it will cause undue losses。
Note 3, clear primary and secondary reasonable trade - off
It is not possible for a consumer to insure many items depending on the circumstances and economic situation of his vehicle。 To distinguish between primary and secondary basic and additional risks, reasonable trade - offs。 Novice another matter, but if the owner for experienced drivers, you can only choose the vehicle loss insurance, third party liability insurance and excluding special insurance and other major insurance, do not have to cover other insurance。
Note 4, goods than three careful calculation
Power: the car is carrying a 2. 0l turbocharged diesel engine。 The maximum power output is 193 HP and the maximum torque is 406 n・M。 In addition, the integrated fuel consumption can be controlled at 7. 8l / 100 km。 More information about the car, we will pay more attention to it。 
Place of occurrence: near Xi 'an Xianyang international airport
After the incident: see is going to the airport, female passengers see his driving route and her mobile navigation route is not the same, unexpectedly opened the door, jumped down from the taxi speed of 60 kilometers per hour。 Why did she do that? Originally, the female passengers mistakenly thought that her brother to pull her to a remote place for robbery, jump car because of fear, fortunately, the injury is not heavy。
Outcome or casualty: one person injured
Cause of the accident: in Xianyang railway station car, before she consider clear, the brother will pick up her luggage in the past, and then take a man without luggage passengers, on the way to the airport, because the road vehicles around, her mobile phone navigation prompt line is wrong, the back of the passengers and said a unreliable words, found that the driving route and navigation is not consistent, she asked the driver where is this? The driver asked her" What are you doing?" These things made her heart full of fear, so I chose to jump out of the car。
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