2017 auto insurance how to buy the most cost-effective 2 ways to let you buy insurance does not suffer

���� Everyone knows that buying insurance for cars is essential. do you know how to buy 2017 auto insurance is the most cost - effective�� What are the precautions for buying auto insurance now�� If you still don't know the friend let small make up to explain to you��
 

 

���� 2017 auto insurance how to buy the most cost - effective

 

���� First, the insurance I have to buy

 

���� 1. compulsory insurance: this is compulsory insurance in China�� Is when the accident occurs, compensate to the injured party, and the amount of compensation is limited�� Total limit 12. $ 20,000�� This is far from enough in the face of some major accidents��

 

���� 2, third party commercial liability insurance: three insurance is a supplement to the compulsory insurance, but also to pay others, it is beyond the compulsory insurance compensation limit, by the insurance company is responsible for compensation, so said car friends as far as possible at the same time to insure compulsory insurance and three insurance, so in the event of major traffic accidents have a guarantee��

 

���� 3. car damage insurance: the first two kinds of insurance are used to pay the other party, while the car damage insurance is used to pay the insured person's own��

 

���� Here are two tips: single parts damage is not compensable, in this case you can try to add work, separate into multiple parts damaged; Modification, loss of goods in the car and flooded, earthquake caused by engine loss is not compensable��

 

���� Second, these insurance can save ~ local tyrants can ignore ~

 

���� 1, scratch insurance: general car don't have to buy scratch insurance, 2000 line scratch insurance premium 400 pieces, 5000 line is 800 pieces�� And out of danger once or twice to 4 s shop repair is 1000 yuan, outside repair is cheap�� And scratch risk superposition limit for many times, also affect the second year rate��

 

���� What did the car take? Change scratch to scratch, which part of the scratch to try to scratch the part, reported the car damage insurance payment��

 

���� 2. self - combustion insurance: during the warranty period, the auto-ignition of the vehicle is responsible for the warranty of the manufacturer. even if you buy this insurance, it is covered repeatedly, which is meaningless�� Must I buy it when the warranty expires? Not necessarily�� Suggestions are based on vehicle conditions, generally 4 - 5 years later due to the aging of the line, the use of poor environment can be considered to buy self-combustion insurance��

���� 3. additional risks are not deductible: excluding deductible means transferring 20 % of the original owner's liability to the insurance company�� Regardless of the exemption is divided into basic insurance and additional insurance, the former for the car damage insurance, the three basic insurance independent effective; The latter applies uniformly to the additional risks of motor vehicles�� Basic insurance is very useful, regardless of the exemption from compensation is recommended to buy, and additional risks are not particularly recommended to buy, additional risks regardless of the exemption from compensation even if it��

 

���� Classification of automobile insurance

 

���� Basic security type

 

���� Insurance type: traffic insurance, car damage insurance�� Applicable object: the characteristics of the old car or the owner with good driving technology: the cost is moderate, the basic risk is guaranteed, the relevant claims occur, and only part of the compensation can be obtained��

 

���� Economic security

 

���� Insurance type: compulsory insurance, car damage insurance, three risks, basic risks excluding non-compensable applicable object: novice and calculating the characteristics of the car friends: cost - effective, the owner of the most concerned about the major risks are guaranteed, the premium is not high�� Practical type of insurance��

 

���� Best guarantee type

 

���� Insurance type: compulsory insurance, car damage insurance, three risks, basic risks excluding non - compensation, glass broken alone, the whole car theft rescue, scratch insurance applicable object: high-grade new car features: insured value is big, but for luxury cars value for money�� You can according to their actual situation to buy auto insurance, no longer spend money��

 

���� Auto insurance companies ranked in the market

 

���� 1, ranked first is ping an auto insurance�� Ping an auto insurance is initiated by ping an insurance co., ltd��

 

���� 2, ranked second is the people's insurance co., ltd., the establishment of the people's insurance company of China, PICC vehicle insurance�� In the insurance business, very experienced, not only the payment time is very timely, but also there will be dedicated personnel to serve it��

 

���� 3, ranked third is the Pacific insurance, is initiated by Taiping property insurance co., ltd., his motor vehicle insurance is in the country have a high reputation��

 

���� 4, ranked fourth is the China United vehicle insurance, is a comprehensive insurance company, is also an early establishment of a company in China��

 

���� 5, ranked fifth is the earth vehicle insurance, its predecessor is the people's insurance of China, at the time of the founding of new China already exists, so is a one hundred - year - old shop��

　　 Everyone knows that buying insurance for cars is essential. do you know how to buy 2017 auto insurance is the most cost - effective？ What are the precautions for buying auto insurance now？ If you still don't know the friend let small make up to explain to you！
 

 

　　 2017 auto insurance how to buy the most cost - effective

 

　　 First, the insurance I have to buy

 

　　 1. compulsory insurance: this is compulsory insurance in China。 Is when the accident occurs, compensate to the injured party, and the amount of compensation is limited。 Total limit 12. $ 20,000。 This is far from enough in the face of some major accidents。

 

　　 2, third party commercial liability insurance: three insurance is a supplement to the compulsory insurance, but also to pay others, it is beyond the compulsory insurance compensation limit, by the insurance company is responsible for compensation, so said car friends as far as possible at the same time to insure compulsory insurance and three insurance, so in the event of major traffic accidents have a guarantee。

 

　　 3. car damage insurance: the first two kinds of insurance are used to pay the other party, while the car damage insurance is used to pay the insured person's own。

 

　　 Here are two tips: single parts damage is not compensable, in this case you can try to add work, separate into multiple parts damaged; Modification, loss of goods in the car and flooded, earthquake caused by engine loss is not compensable。

 

　　 Second, these insurance can save ~ local tyrants can ignore ~

 

　　 1, scratch insurance: general car don't have to buy scratch insurance, 2000 line scratch insurance premium 400 pieces, 5000 line is 800 pieces。 And out of danger once or twice to 4 s shop repair is 1000 yuan, outside repair is cheap。 And scratch risk superposition limit for many times, also affect the second year rate。

 

　　 What did the car take? Change scratch to scratch, which part of the scratch to try to scratch the part, reported the car damage insurance payment。

 

　　 2. self - combustion insurance: during the warranty period, the auto-ignition of the vehicle is responsible for the warranty of the manufacturer. even if you buy this insurance, it is covered repeatedly, which is meaningless。 Must I buy it when the warranty expires? Not necessarily。 Suggestions are based on vehicle conditions, generally 4 - 5 years later due to the aging of the line, the use of poor environment can be considered to buy self-combustion insurance。

　　 3. additional risks are not deductible: excluding deductible means transferring 20 % of the original owner's liability to the insurance company。 Regardless of the exemption is divided into basic insurance and additional insurance, the former for the car damage insurance, the three basic insurance independent effective; The latter applies uniformly to the additional risks of motor vehicles。 Basic insurance is very useful, regardless of the exemption from compensation is recommended to buy, and additional risks are not particularly recommended to buy, additional risks regardless of the exemption from compensation even if it。

 

　　 Classification of automobile insurance

 

　　 Basic security type

 

　　 Insurance type: traffic insurance, car damage insurance。 Applicable object: the characteristics of the old car or the owner with good driving technology: the cost is moderate, the basic risk is guaranteed, the relevant claims occur, and only part of the compensation can be obtained。

 

　　 Economic security

 

　　 Insurance type: compulsory insurance, car damage insurance, three risks, basic risks excluding non-compensable applicable object: novice and calculating the characteristics of the car friends: cost - effective, the owner of the most concerned about the major risks are guaranteed, the premium is not high。 Practical type of insurance。

 

　　 Best guarantee type

 

　　 Insurance type: compulsory insurance, car damage insurance, three risks, basic risks excluding non - compensation, glass broken alone, the whole car theft rescue, scratch insurance applicable object: high-grade new car features: insured value is big, but for luxury cars value for money。 You can according to their actual situation to buy auto insurance, no longer spend money。

 

　　 Auto insurance companies ranked in the market

 

　　 1, ranked first is ping an auto insurance。 Ping an auto insurance is initiated by ping an insurance co., ltd。

 

　　 2, ranked second is the people's insurance co., ltd., the establishment of the people's insurance company of China, PICC vehicle insurance。 In the insurance business, very experienced, not only the payment time is very timely, but also there will be dedicated personnel to serve it。

 

　　 3, ranked third is the Pacific insurance, is initiated by Taiping property insurance co., ltd., his motor vehicle insurance is in the country have a high reputation。

 

　　 4, ranked fourth is the China United vehicle insurance, is a comprehensive insurance company, is also an early establishment of a company in China。

 

　　 5, ranked fifth is the earth vehicle insurance, its predecessor is the people's insurance of China, at the time of the founding of new China already exists, so is a one hundred - year - old shop。

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