2017 auto insurance how to buy the most cost-effective auto insurance full set of tips poke here

���� Bank information hong kong financial management on December 1 - after a year, buy a car really many car friends, these days several car friends to small I expert group information auto insurance purchase problems�� This is not, the experts' solutions and suggestions, integrated into a full set of buy auto insurance secrets, spend two minutes to see, you can understand how to buy auto insurance is the most cost - effective? What's the trick? How to choose the most suitable for yourself? Let me see! ���� Q: is buying auto insurance as much as possible? What must I buy? ���� Expert: auto insurance is not to buy the more the better, compulsory traffic insurance is the state, car damage insurance for safety is recommended to buy, but some types of insurance may depend on the use of the owner…… ���� According to the expert's suggestion, the following classification of insurance�� ���� First, the insurance I have to buy! ���� Compulsory insurance: ���� This needless to say, this is compulsory insurance in our country�� When an accident occurs, compensation is paid 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�� ���� 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 car friends as far as possible at the same time to insure compulsory insurance and three insurance, so in the event of a major traffic accident have a guarantee�� ���� Car damage insurance: ���� The first two kinds of insurance are used to pay the other party, and 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 ignore ~ ���� Scratch risk: ���� 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�� ���� Self - combustion insurance: ���� During the warranty period, the auto-ignition of the vehicle is the responsibility of the manufacturer's warranty, even if you bought the insurance, it is also a duplicate insurance, it doesn't make sense�� 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�� ���� Additional risks are not deductible: ���� Non - compensable 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�� ���� Second question: do you have any skills when buying auto insurance? ���� Expert: there are some tips and notes recommended to you�� ���� First, the website direct investment cost - effective ���� Careful car friends should have found that if through some intermediary agencies, such as dealerships, agents, brokerage companies to sell products, than directly in the insurance company is more expensive�� Indeed, the latter is actually 15 % lower than the former, and now the website insurance is more and more perfect, often there are some promotional activities, so it may be more cost-effective than direct website insurance�� ���� Second, the third party insured amount of 200 pieces≈ 500,000! ���� Once the occurrence of auto insurance claims, the three risks for people, cars, property compensation amount is very high, it is recommended that the amount of the three risks as far as possible to buy 500 thousand yuan, and in fact the amount of insurance from 500 thousand yuan to buy 1 million yuan, the premium only increase 200 yuan to 300 yuan, really meet things you will know how useful�� ���� Iii. timely renewal of compulsory insurance due ���� If the compulsory insurance expires not timely renewal, to pay more premiums�� It is recommended to renew the insurance 5 - 10 days in advance. it is not necessary to renew the insurance too early�� ���� Third question: what kind of package is suitable for me? ���� Expert: recommend a few more packages for everyone's reference, but the specific insurance still depends on their own use�� ���� Basic security type: ���� Insurance type: traffic insurance, car damage insurance�� ���� Applicable object: the old car or driving technology better owner ���� Features: moderate cost, guarantee the basic risk, the occurrence of related claims, only part of the compensation�� ���� Economic security: ���� Type of insurance: compulsory insurance, car damage insurance, three risks, basic risks are not exempt from compensation ���� Applicable object: budget car friends ���� Features: cost - effective, car owners are most concerned about the big risks are guaranteed, the premium is not high�� Practical type of insurance�� ���� Best guarantee type: ���� Type of insurance: traffic insurance, vehicle damage insurance, three risks, basic insurance excluding non - compensation, vehicle personnel liability insurance, whole vehicle theft and rescue, glass separate breakage insurance, scratch insurance ���� Target: novice or premium new car ���� Features: the insured value is large, but for beginners value for money��

Bank information hong kong financial management on December 1 - after a year, buy a car really many car friends, these days several car friends to small I expert group information auto insurance purchase problems。 This is not, the experts' solutions and suggestions, integrated into a full set of buy auto insurance secrets, spend two minutes to see, you can understand how to buy auto insurance is the most cost - effective? What's the trick? How to choose the most suitable for yourself? Let me see! 　　 Q: is buying auto insurance as much as possible? What must I buy? 　　 Expert: auto insurance is not to buy the more the better, compulsory traffic insurance is the state, car damage insurance for safety is recommended to buy, but some types of insurance may depend on the use of the owner…… 　　 According to the expert's suggestion, the following classification of insurance。 　　 First, the insurance I have to buy! 　　 Compulsory insurance: 　　 This needless to say, this is compulsory insurance in our country。 When an accident occurs, compensation is paid 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。 　　 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 car friends as far as possible at the same time to insure compulsory insurance and three insurance, so in the event of a major traffic accident have a guarantee。 　　 Car damage insurance: 　　 The first two kinds of insurance are used to pay the other party, and 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 ignore ~ 　　 Scratch risk: 　　 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。 　　 Self - combustion insurance: 　　 During the warranty period, the auto-ignition of the vehicle is the responsibility of the manufacturer's warranty, even if you bought the insurance, it is also a duplicate insurance, it doesn't make sense。 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。 　　 Additional risks are not deductible: 　　 Non - compensable 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。 　　 Second question: do you have any skills when buying auto insurance? 　　 Expert: there are some tips and notes recommended to you。 　　 First, the website direct investment cost - effective 　　 Careful car friends should have found that if through some intermediary agencies, such as dealerships, agents, brokerage companies to sell products, than directly in the insurance company is more expensive。 Indeed, the latter is actually 15 % lower than the former, and now the website insurance is more and more perfect, often there are some promotional activities, so it may be more cost-effective than direct website insurance。 　　 Second, the third party insured amount of 200 pieces≈ 500,000! 　　 Once the occurrence of auto insurance claims, the three risks for people, cars, property compensation amount is very high, it is recommended that the amount of the three risks as far as possible to buy 500 thousand yuan, and in fact the amount of insurance from 500 thousand yuan to buy 1 million yuan, the premium only increase 200 yuan to 300 yuan, really meet things you will know how useful。 　　 Iii. timely renewal of compulsory insurance due 　　 If the compulsory insurance expires not timely renewal, to pay more premiums。 It is recommended to renew the insurance 5 - 10 days in advance. it is not necessary to renew the insurance too early。 　　 Third question: what kind of package is suitable for me? 　　 Expert: recommend a few more packages for everyone's reference, but the specific insurance still depends on their own use。 　　 Basic security type: 　　 Insurance type: traffic insurance, car damage insurance。 　　 Applicable object: the old car or driving technology better owner 　　 Features: moderate cost, guarantee the basic risk, the occurrence of related claims, only part of the compensation。 　　 Economic security: 　　 Type of insurance: compulsory insurance, car damage insurance, three risks, basic risks are not exempt from compensation 　　 Applicable object: budget car friends 　　 Features: cost - effective, car owners are most concerned about the big risks are guaranteed, the premium is not high。 Practical type of insurance。 　　 Best guarantee type: 　　 Type of insurance: traffic insurance, vehicle damage insurance, three risks, basic insurance excluding non - compensation, vehicle personnel liability insurance, whole vehicle theft and rescue, glass separate breakage insurance, scratch insurance 　　 Target: novice or premium new car 　　 Features: the insured value is large, but for beginners value for money。

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