Auto insurance guide： how to buy the second year of auto insurance cost - effective？

Auto insurance guide: how to buy the second year of auto insurance cost - effective？ How to buy the car insurance in the second year is a headache for many car owners, the reason is that the first year of the new car is basically all risks, but the first year and did not have a risk, the second year of car insurance is hoping to get some benefits under the premise of corresponding security, insurance companies are various recommended scheme to let the owner more scratching their heads。 How to buy auto insurance in the second year？ How to renew insurance more reasonable and cost - effective？ I will give you a few tips to see if it helps。 　　 Know what kind of insurance you need for your car 　　 Automobile insurance can be divided into traffic insurance and commercial auto insurance, traffic insurance is mandatory to buy, commercial auto insurance can be purchased according to the needs of the owners。 Commercial risks are divided into main risks and additional risks, the main risks can be purchased independently, but additional risks can only be purchased in the case of the corresponding main risks have been purchased。 　　 The main risks are" Commercial third party liability insurance" And," the vehicle damage insurance" And," Whole vehicle stolen rescue" And," Vehicle personnel liability insurance"。 The owner can choose to insure some of the insurance, can also choose to insure all insurance。 　　 Common additional risks are" Glass breakage risk alone" And," car body scratches loss insurance" And," spontaneous combustion loss danger" And," On - board cargo liability insurance" And," Traffic accident mental damage compensation insurance" And," Risk of engine damage in wading" And," Non - compensable risk" Wait。 　　 According to the actual situation to choose the insurance project 　　 New car owners in order to cherish their own car, the first year will entrust 4 s shop for full insurance, and in the second year of auto insurance choice will have a selective insurance, after all, have a year's driving age, and have a better understanding of their own car, some unnecessary insurance can give up。 　　 General" Three risks" And," Car damage insurance" And" Pirate rescue" Is the car owners will be insured。 Other insurance according to the specific circumstances to choose。 For example, if there is a fixed parking garage, the second year of auto insurance renewal can not consider the whole car stolen rescue this insurance。 　　 To renew in time 　　 The author reminds the car mainly pay attention to the date of the expiration of the annual auto insurance, otherwise the vehicle in the insurance expires, the vehicle is not protected。 It is recommended that the vehicle owner should renew the insurance 5 - 10 days in advance, so as not to cause the traffic accident after the loss of the insurance and cannot be paid。 In addition," Deprotection" It is also not cost-effective that renewal after a certain period of time may face a premium rise。 Full enjoyment of preferential terms 　　 According to the regulation, as long as the owner within one year without any violation records, insurance and claims, auto insurance in the second year of renewal, the owner will get 10 % - 20 % of the compulsory insurance premium down, will also be listed by the insurance company as a high quality customers enjoy commercial insurance benefits。 In addition, but also good at comparing the price of different auto insurance sales channels。 In general, 4 s stores and insurance intermediary channels due to the extraction of part of the intermediate cost, premium charges higher; And the insurance company direct auto insurance channels because save the middle cost, can give the owner more profit space, is a higher cost-effective choice。 　　 Fully understand the procedures for auto insurance claims 　　 After the risk of the program is mainly ( assuming full responsibility for you ): risk - loss - repair - claims 　　 1. risk reporting: Is to make the insurance company 9 at the beginning of the phone。 　　 2, fixed loss: Many damage center, mostly in the repair shop and 4 s shop。 Can go directly, but it is best to go to a place close to your garage, because sometimes there will be found when repair fixed loss is insufficient, need to go to repair fixed loss。 　　 3, repair: Of course you trust shop 4 s most, but according to the experience of most owners, repair technology of shop 4 s is not necessarily good, but the accessories are guaranteed。 And how many 4 s shop is not insurance company with repair point, that is to say, if you don't in 4 s shop insurance, 4 s shop won't advance repair costs for you, you need to go to claim。 　　 4. claims: If repair in direct compensation repair shop, there is no this link, repair shop and insurance company directly docking。 Otherwise you need to advance the repair costs, and then go to the insurance company claims center claims。

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