And by the end of the year to buy auto insurance, how to buy cost - effective？
| | Time: 09: 32: 42 & nbsp zhongcai network on December 20, 2017 | |
A few days ago, a colleague of the company received a phone call from store 4 s asking him if he would like to renew his auto insurance。 Colleagues didn't directly promised at first, because I don't know just opened a year of new car where renewal is more cost - effective。
Believe that a lot of friends have a car family also have the same problem, auto insurance almost expired, where to buy insurance is more cost - effective？
- 01 -
What is auto insurance？ Before you say how to buy auto insurance, you have to figure out what auto insurance is。 Many people drive for several years, may be for what is auto insurance or don't know much about it。
Before you say how to buy auto insurance, you have to figure out what auto insurance is。 Many people drive for several years, may be for what is auto insurance or don't know much about it。
The so-called auto insurance, refers to the motor vehicle insurance, also known as automobile insurance, hereinafter referred to as auto insurance, it is a kind of property insurance。 It is a means of transport insurance with the motor vehicle itself and the third party liability of the motor vehicle as the subject of insurance。
No motor vehicle without auto insurance is allowed on the road。 The state law clearly stipulates that at least for motor vehicle traffic accident liability compulsory insurance, referred to as compulsory insurance。 And commercial insurance can be purchased according to the needs of the owner。
Compulsory insurance plus commercial insurance is equal to auto insurance。 The premium of auto insurance fluctuates with the choice of auto insurance and the amount of insurance, but also affected by the purchase price, service life and other factors。
- 02 -
Must a new car go to shop 4 s to buy auto insurance？ When many friends buy a car for the first time, generally in 4 s shop to buy a car full insurance, is to pay strong insurance + commercial insurance, but generally more expensive。 Because buy a car binding to buy full insurance, 4 s store sales can get commission, the price is a little expensive, of course。
When many friends buy a car for the first time, generally in 4 s shop to buy a car full insurance, is to pay strong insurance + commercial insurance, but generally more expensive。 Because buy a car binding to buy full insurance, 4 s store sales can get commission, the price is a little expensive, of course。
" your that also can't ah, sales said must be in their shop to buy full insurance can drive away"。 This is a lot of car friends helpless。
For this kind of situation, I just want to say: " ha ha, this is a fool。 " the
According to the law, only the compulsory insurance in auto insurance is to buy to hit the road, and the commercial insurance covered by the full insurance belongs to the additional risk, buy not to buy can still drive on the road。 These salesmen are just trying to scare you if you're unfamiliar with auto insurance。
So, if the second year to buy auto insurance, do you want to go to 4 s store renewal？
In fact, can no longer go to 4 s store renewal, but there are two things you should pay attention to:
● first, it is recommended that both compulsory and commercial risks should be purchased in the same insurance company, so that claims can be settled easily。
● second, it is recommended that compulsory insurance be purchased on the same day as commercial insurance, so as to facilitate renewal, otherwise it may be forgotten。
- 03 -
Where is the cheapest place to buy auto insurance？ So you left the 4 s store, where should go to buy auto insurance is the most cost - effective？ This should be the most concerned problem of many friends。
So you left the 4 s store, where should go to buy auto insurance is the most cost - effective？ This should be the most concerned problem of many friends。
So, telephone sales are the cheapest, basically all insurance companies have this service。
Not only can you combine freely, the cost is generally about 15 % cheaper than 4 s shop。
Another way is to find an insurance agent。 The average insurance company can eventually offer a price as low as 20 %。
As for which insurance company has a high price / performance ratio, you can consult with different insurance company's quotation, and then the goods than three will know which one to give you more discount。
However, it should be noted that sometimes insurance companies will indirectly increase the price of auto insurance through gifts, many people will easily faint at the sight of gifts。
But the discount value of these gifts is generally very low, calculate the premium is not much cheaper。 You can bargain with each other, would rather not gift, as long as the price is a little lower is really affordable。
In addition, in addition to the price, you also want to consider the company's claims speed and service efficiency。 One thousand to risk, the insurance company along while not to people, at the scene, etc. is also a high cost of time。
As we all know, relatively large insurance companies will be more efficient, of course, the premium discount is less。
Therefore, the purchase of auto insurance want low price service is a process of constant trade - off。
- 04 -
Auto insurance proposal to buy auto insurance at the end of the year, how to buy cost - effective？
Compulsory insurance must be purchased, other commercial insurance should be how to match the most cost - effective？ Here are a few suggestions:
First of all, give priority to the purchase of full third party liability insurance。 Because the car is broken big deal by bus, people injured can have to spend money to cure。
Of course, third party liability insurance also don't have to buy too high, that how much is appropriate？ This can be combined with the economic conditions and living standards of your city。
For example, you live in a big city, may be 1 million insurance is more appropriate, if in two or three cities, and usually drive less, you can reduce the amount of insurance, save some premium。
Second, buy enough car personnel insurance, then consider buying car damage insurance。 If the driver is you, and didn't buy other accident insurance and medical insurance, suggested to give yourself a 100 thousand driver insurance as medical expenses。
As for passenger insurance, if you want to pick up children to go to school often, can be insured amount more, for example, 50 - 100 thousand / seat。 If you're driving to work alone, it's more economical to keep 10,000 per seat。
Finally, purchase car damage insurance on demand。 Often walk by the side of the road, which have not wet shoes。 For old drivers, if you have confidence in their own driving skills, you can buy less car damage insurance。 But if you're new, it's a good idea to buy。
As for other insurance, such as illegal rescue, glass, spontaneous combustion, scratch risk, etc., can be combined with their own needs to buy, generally can also not buy。
Many friends think auto insurance is to protect the car, the first time to buy full car damage insurance, the third liability insurance to buy very little, don't even buy, this is wrong。
Finally, I would also like to remind you that the annual insurance premium will be based on the number of last year out of the insurance, the more the number of out of the insurance price is relatively more expensive, so safe driving is really save money for yourself。
About the problem of buying auto insurance, analysis here, what's the problem can leave a message。
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