At the end of the year, how to buy your car insurance is the most cost - effective？

Now more and more people buy a car, buy a car the first thing is to buy insurance, so, how to buy car insurance is more cost - effective？

Look here！

We usually advise new car owners to buy full insurance。 Don't know the owner of auto insurance at this time will have doubts, full insurance is said to be full insurance, no matter what the car out of the situation can compensate？ Is that the case？

Year 1.: full coverage of motor vehicles is not equal to full coverage

" full insurance does not mean full insurance", many owners may not know this truth。 In the general sense of the total insurance includes 15, 16 insurance, but most of the 4. s shop gives the total insurance including 8 insurance, respectively Traffic compulsory insurance, vehicle loss insurance, excluding non-compensable insurance, third party liability insurance, vehicle personnel liability insurance, the whole car theft and rescue, scratch insurance, glass damage insurance alone。

In fact, in addition to the compulsory purchase of compulsory insurance, the other seven are optional commercial insurance。

We generally recommend that the owner in the first year to buy full insurance, car damage insurance, third party liability insurance claims amount can be set higher。

Buy not to buy " self - insurance" depends on the manufacturer

It should be noted that the so-called " full risk" does not include the risk of spontaneous combustion loss。 According to the past thinking, new cars generally don't have to buy this risk, because during the warranty period, once the spontaneous combustion will be responsible for by the manufacturer。 The premise is that the manufacturer can bear the responsibility。 In recent years, some less than a year of new car " spontaneous combustion" phenomenon occurs frequently, and the car manufacturers are to avoid responsibility, in this case, did not buy self-combustion insurance owners are more troublesome。

Spontaneous combustion loss insurance refers to the loss caused by the fire of the insurance vehicle due to the failure of its circuit oil circuit, and the insurance company is responsible for the compensation of part of the loss。 Some of the more cautious new owners may also consider choosing an insurance company that can offer " self - insurance" for new cars。

General economic car, the cost of self-insurance between 2.00 yuan to 3.00 yuan。 If the owner proposed to buy a self-combustion insurance, 4 s shop can also be added。

Year 2: no insurance, illegal records can save premium

Car owners in the first year to buy insurance are 4 s shop agent, many 4 s shop launched " buy a car to send insurance" discount, which led to some careless car owners in the purchase of insurance for their purchase of insurance is not very clear, for which car insurance companies are not very clear, the second year renewal is impossible to choose。

Not familiar with auto insurance, the owner can do some preparation in advance, through online inquiries and friends recommended, let oneself have a bottom in the heart。 Query, then go to buy a car and auto insurance, can do understand in my heart, not by 4 s shop holding the nose。

As a rule, which insurance company to choose in the first year, the second year the insurance company will make a phone call to ask whether to renew。 At present, most insurance companies implement floating car insurance discount, claims record too much and the amount of large car owners, insurance companies will cancel or reduce the preferential margins。 Whether the renewal of auto insurance benefits in addition to the previous year the number of risks, but also related to four factors:

1 . The benchmark fee for the establishment of insurance;

2 . The number of claims in the previous year;

3 . Grade;

4. Out - of - danger condition of vehicle。

No insurance, illegal records can save premiums, but now the CIRC implementation of networking system, in the last insurance company's number of risks will be recorded。

There are also problems with auto insurance

The second year choose telephone insurance more。 Many car owners are attracted by the insurance companies' 15 % savings on phone calls。 Ann reminds you: many telephone risks are suspected of fraud。 To steal rescue, for example, a car of 150000 yuan, steal rescue claims amount is 150000 yuan, but telephone risk may be set at 130000 yuan, but the premium is relatively cheap about 100 - 200 yuan。

In addition to the 4 s shop to buy insurance, telephone, network insurance has become an important channel of auto insurance sales, more and more car owners pay more attention to customer service after insurance。 Auto insurance price transparency, has entered the era of " spell service"。

Some owners buy auto insurance online or by telephone, can play 8. 5 % discount, four hundred and fifty yuan cheaper than the insurance company salesman quotation。 But in a minor accident, you can't find a " wise men" consultation。 " telephone insurance, by contrast, is more suitable for more understanding of the old car owners。 " the

Year 3: some risks must be covered

Two years ago did not have a risk of car owners think, buy full insurance is too waste, then save some insurance。 But .. Car damage insurance, three risks, excluding non-compensable insurance Better buy it, Self - combustion risk It's time to think about it。

Some insurance can be saved, some can not。 Be sure to buy without compensation。 This type of insurance is a combination of car damage and commercial risk。 Not on this risk, the accident, the insurance company will have a certain exemption。 General unilateral accident or bear full responsibility in the accident, oneself also want to bear 20 %。 Whether novice or veteran, in the purchase Car damage and three risks At the same time, it is best to buy。

Car damage and business risk It must be bought, Pirate rescue According to the owner's own situation to buy, if you don't have their own fixed parking space, it is recommended to buy insurance。

Car driving to the third year, has not yet bought a self-insurance also want to beware of " circuit aging caused by spontaneous combustion", spend hundreds of yuan to buy " Self - combustion risk " it is also necessary。

High - grade car glass insurance cannot be saved

For high-end cars, luxury car owners, it is recommended that the first four or five years to buy separate glass breakage risk。 If you don't take this risk, glass broken alone can't get compensation, and 4 s shop for this kind of car glass accessories price is very high, the owner will encounter this kind of situation。

Scratch insurance, the owner also visible parking lot to buy, to a car, for example, a scratch paint fee may be 1000 yuan, but the premium as long as 100 yuan, quite cost - effective。 So it is recommended that car owners with no parking management choose to buy such a policy。

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