auto insurance how to buy not to waste a penny to do the best protection

1. How to buy Car insurance Most cost - effective?

Buy at shop 4. s Buy insurance It is estimated that many car owners purchase the first car in store 4 s car insurance, 4 s shop to buy Insurance The downside is that the price is higher, because in the 4 s shop to buy auto insurance, 4 s shop to earn a certain fee, and sales staff will induce car owners to buy more Insurance type ( at this time depends on the owner of the degree of understanding of insurance )�� In 4 s shop to buy insurance benefits is convenient, when their vehicles crash and other accidents, maintenance can go directly to buy insurance 4 s shop, claims what can be handled by 4 s shop��

In Insurance company Business hall to buy: owners carry relevant information to find staff, fill in the policy on the spot, pay insurance�� Sometimes there will be a discount or something, the price will certainly be cheaper than 4 s shop��

Network, telephone purchase: the major insurance companies have opened the online insurance and telephone insurance business, as long as fill in the relevant information, there are customer service personnel take the initiative to contact to complete the whole insurance business�� The website and telephone are self-operated by the insurance company, the policy door-to-door delivery, sometimes there will be gifts, greatly saving time and cost��

2. What are the basic types of insurance you need to think about?

Compulsory insurance Compulsory traffic insurance is the insurance that every car owner must buy according to the law of our country. it is compulsory, that is to say, the car owner needs to insure it every year as long as he buys a car�� And the vehicle in the event of a traffic accident, can have the most basic insurance claims�� And after purchasing the compulsory insurance, there will be a compulsory insurance sign must be affixed to the front windshield of the car��

Loss of car: loss of car refers to the insured or its permitted driver in driving the insured vehicle insurance accident caused by the damage to the insured vehicle, the insurance company within a reasonable range of compensation ( loss of car only for damage to the car body compensation, but some small parts of the individual damage is not within the scope of compensation )��

Third party liability insurance This insurance is very important. in the event of an accident, the insurance company shall pay compensation according to the relevant provisions for personal injury, death or direct property damage caused to other persons other than the driver and passengers of the vehicle��

Whole car Pirate rescue It is easy to understand by name, that is, to provide insurance to compensate for the loss of the vehicle caused by theft and robbery of the whole vehicle ( except that the parts of the vehicle are not compensable )��

Additional risk of car damage: Scratch risk : refers to a separate scratch of the paint on the surface of the body of an insurance vehicle without obvious collision marks�� Is a special payment for scratches on the body of insurance�� Spontaneous combustion loss insurance: the vehicle is compensated for the fire caused by the failure of the vehicle's electrical appliances, lines and oil supply system and the fire caused by the carrying of the goods. if it is caused by man-made reasons, it is not covered by the insurance guarantee�� New cars generally don't have to be bought�� Risk of separate glass breakage: separate breakage of the windshield and window glass of the vehicle shall be compensated by the insurance company�� Wading loss insurance: the cost of repairing the engine is compensated for when the engine is flooded while the vehicle is wading�� But not including: the car has stalled in the water, at that time if still forced to start the engine in the water caused by the loss�� Non - compensable risk After the occurrence of an insurance accident, the insurer shall be responsible for the compensation of the part of the amount of the insured's free compensation calculated in accordance with the free odds stipulated in the corresponding main insurance clauses, which shall be borne by the insured��

3.. How to choose auto insurance combination?

For friends who have just bought a car, compulsory insurance must be bought, three risks if you drive more cars ( especially luxury cars ) met or hit a security, one thousand hit people is not good�� So it is recommended to buy, as to the amount of their own decision�� Other types of insurance to buy not blind, such as self-combustion insurance, although not much money but the new car is not necessary to insure, if spontaneous combustion occurs within the warranty period directly to the production of car enterprises claim�� Stolen rescue, if the vehicle is often parked in the regular parking lot, more safe and reliable, the possibility of vehicle theft is relatively small, can not buy this insurance�� If it is a new car or more expensive luxury car, buy stolen rescue is safe�� Therefore, for the purchase of new cars, it is recommended that such a combination of compulsory insurance + third party liability insurance + the vehicle damage insurance + regardless of the odds + illegal rescue + body scratch insurance ( this decision )�� The old driver is not much said��

4. Buy auto insurance, have what matters needing attention?

In 4 s shop to buy insurance to prevent the pit, before buying insurance can understand the insurance costs of the major insurance companies, and then look at the same insurance in 4 s shop cost gap is very big, and then decide whether to buy in 4 s shop�� If you choose another way to buy, it is best to ask staff if you don't buy insurance in 4 s store, vehicle damage can repair to the store, how to charge�� Finally decide on the purchase method��

Claim time, to buy auto insurance, ask acquaintances or online consultation about the speed of claims, because some insurance companies claim time is longer, choose some claims time short insurance companies, can avoid a lot of trouble��

Avoid by all means the amount of insurance, excess insurance and repeated insurance, not full insurance is the owner in order to save the premium, when the accident will not get full insurance compensation�� Want to increase the amount of insurance and repeated insurance Insurance amount , is impossible��

Finally want to tell the owner, don't have an accident, Automobile insurance It doesn't seem to work, but when something really happen, it's worth that insurance�� The main purpose of insurance is to protect our interests in the event of an accident�� Want to remind you that after the purchase of basic insurance, other insurance or according to their own affordability and car to buy��

1. How to buy Car insurance Most cost - effective?

Buy at shop 4. s Buy insurance It is estimated that many car owners purchase the first car in store 4 s car insurance, 4 s shop to buy Insurance The downside is that the price is higher, because in the 4 s shop to buy auto insurance, 4 s shop to earn a certain fee, and sales staff will induce car owners to buy moreInsurance type ( at this time depends on the owner of the degree of understanding of insurance )。 In 4 s shop to buy insurance benefits is convenient, when their vehicles crash and other accidents, maintenance can go directly to buy insurance 4 s shop, claims what can be handled by 4 s shop。

In Insurance company Business hall to buy: owners carry relevant information to find staff, fill in the policy on the spot, pay insurance。 Sometimes there will be a discount or something, the price will certainly be cheaper than 4 s shop。

Network, telephone purchase: the major insurance companies have opened the online insurance and telephone insurance business, as long as fill in the relevant information, there are customer service personnel take the initiative to contact to complete the whole insurance business。 The website and telephone are self-operated by the insurance company, the policy door-to-door delivery, sometimes there will be gifts, greatly saving time and cost。

2. What are the basic types of insurance you need to think about?

Compulsory insurance Compulsory traffic insurance is the insurance that every car owner must buy according to the law of our country. it is compulsory, that is to say, the car owner needs to insure it every year as long as he buys a car。 And the vehicle in the event of a traffic accident, can have the most basic insurance claims。 And after purchasing the compulsory insurance, there will be a compulsory insurance sign must be affixed to the front windshield of the car。

Loss of car: loss of car refers to the insured or its permitted driver in driving the insured vehicle insurance accident caused by the damage to the insured vehicle, the insurance company within a reasonable range of compensation ( loss of car only for damage to the car body compensation, but some small parts of the individual damage is not within the scope of compensation )。

Third party liability insurance This insurance is very important. in the event of an accident, the insurance company shall pay compensation according to the relevant provisions for personal injury, death or direct property damage caused to other persons other than the driver and passengers of the vehicle。

Whole car Pirate rescue It is easy to understand by name, that is, to provide insurance to compensate for the loss of the vehicle caused by theft and robbery of the whole vehicle ( except that the parts of the vehicle are not compensable )。

Additional risk of car damage: Scratch risk : refers to a separate scratch of the paint on the surface of the body of an insurance vehicle without obvious collision marks。 Is a special payment for scratches on the body of insurance。 Spontaneous combustion loss insurance: the vehicle is compensated for the fire caused by the failure of the vehicle's electrical appliances, lines and oil supply system and the fire caused by the carrying of the goods. if it is caused by man-made reasons, it is not covered by the insurance guarantee。 New cars generally don't have to be bought。 Risk of separate glass breakage: separate breakage of the windshield and window glass of the vehicle shall be compensated by the insurance company。 Wading loss insurance: the cost of repairing the engine is compensated for when the engine is flooded while the vehicle is wading。 But not including: the car has stalled in the water, at that time if still forced to start the engine in the water caused by the loss。 Non - compensable risk After the occurrence of an insurance accident, the insurer shall be responsible for the compensation of the part of the amount of the insured's free compensation calculated in accordance with the free odds stipulated in the corresponding main insurance clauses, which shall be borne by the insured。

3.. How to choose auto insurance combination?

For friends who have just bought a car, compulsory insurance must be bought, three risks if you drive more cars ( especially luxury cars ) met or hit a security, one thousand hit people is not good。 So it is recommended to buy, as to the amount of their own decision。 Other types of insurance to buy not blind, such as self-combustion insurance, although not much money but the new car is not necessary to insure, if spontaneous combustion occurs within the warranty period directly to the production of car enterprises claim。 Stolen rescue, if the vehicle is often parked in the regular parking lot, more safe and reliable, the possibility of vehicle theft is relatively small, can not buy this insurance。 If it is a new car or more expensive luxury car, buy stolen rescue is safe。 Therefore, for the purchase of new cars, it is recommended that such a combination of compulsory insurance + third party liability insurance + the vehicle damage insurance + regardless of the odds + illegal rescue + body scratch insurance ( this decision )。 The old driver is not much said。

4. Buy auto insurance, have what matters needing attention?

In 4 s shop to buy insurance to prevent the pit, before buying insurance can understand the insurance costs of the major insurance companies, and then look at the same insurance in 4 s shop cost gap is very big, and then decide whether to buy in 4 s shop。 If you choose another way to buy, it is best to ask staff if you don't buy insurance in 4 s store, vehicle damage can repair to the store, how to charge。 Finally decide on the purchase method。

Claim time, to buy auto insurance, ask acquaintances or online consultation about the speed of claims, because some insurance companies claim time is longer, choose some claims time short insurance companies, can avoid a lot of trouble。

Avoid by all means the amount of insurance, excess insurance and repeated insurance, not full insurance is the owner in order to save the premium, when the accident will not get full insurance compensation。 Want to increase the amount of insurance and repeated insurance Insurance amount , is impossible。

Finally want to tell the owner, don't have an accident, Automobile insurance It doesn't seem to work, but when something really happen, it's worth that insurance。 The main purpose of insurance is to protect our interests in the event of an accident。 Want to remind you that after the purchase of basic insurance, other insurance or according to their own affordability and car to buy。

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