Auto insurance so buy is the most cost - effective
A lot of friends who just bought a car will meet to the car insurance this link, the current car insurance market brand is numerous, the project is full of beautiful things in eyes, the price is also dazzling, so how to buy car insurance is the most cost - effective�� Let's make up to tell you, especially the novice friend, be sure to take out a small notebook pay attention to listen to oh��
Private car best buy full insurance, namely: basic insurance + additional insurance basic insurance refers to: vehicle loss insurance, third party liability insurance��
According to the relevant provisions of the road traffic law, vehicles without the purchase of vehicle loss insurance and third party liability insurance, can not be " on the road"�� Therefore, the general sense of the basic insurance of auto insurance refers to the above two types of insurance��
In general, most car owners now buy non-compensable insurance�� This is because the general auto insurance additional insurance will have about 20 % of the absolute deductible�� That is to say, in the event of an accident, the original insured amount of 1000 yuan of an insurance may be due to 20 % of the absolute deductible, the insurance company has the right to the amount of compensation within 20 % of the insured amount of claims are not liable for claims�� This is also a way for some insurance companies to reduce risk��
You can choose some small and medium-sized insurance companies�� Compared with large insurance companies, small and medium-sized companies in the early stage of market entry, in order to improve competitiveness, premium can provide 8. A discount of about 5 %�� At present, in order to balance the market share, regulators allow small and medium-sized insurance companies to make a certain proportion of the profits�� Take a low-grade car of about $ 100,000 as an example., the general basic premium is about $ 4,000., it may only cost about $ 3,200 to buy insurance from small and medium-sized companies��
When the price advantage is in front of the owner, the in the mind will worry: premium cheaper will affect the quality of claims after the insurance service�� Rest assured ~�� Most insurance companies do not earn a major profit by collecting auto insurance premiums, so premium income does not affect claim settlement services��
Several precautions for purchasing additional risks��
The car what is easy to bad, although not easy to bad but once broken maintenance is more expensive, these are the need to buy additional risks�� Additional risks include glass insurance, lamp insurance, car theft and rescue, body scratch insurance, car personnel liability insurance, and so on��
About 200,000, often take high-speed cars, in the purchase of additional risks should be considered glass insurance, the main insurance is the windshield insurance�� When the car is running on the highway, the small stones splashed up easily break the windshield�� For this reason, the owner must replace the whole piece of glass, maintenance is very expensive�� General replacement of a piece of domestic windshield need hundreds of yuan, and replacement of imported windshield cost about 1000 yuan�� And domestic windshield in the purchase of glass insurance, 1 year of premium spending only need about 150 yuan�� In addition, it is necessary to remind, domestic and imported windshield insurance premium price is different when buying, car owners need to pay special attention to when buying��
And for more than 200 thousand cars, car lights insurance, the whole car stolen rescue should also be considered to buy�� The lights are usually located in the lower position of the vehicle, which is most likely to be damaged in the event of a rear-end collision�� The reason for purchasing the lamp insurance is that the maintenance of the lamp is generally expensive, such as BMW's car head, for example, the maintenance and replacement needs about 10 thousand yuan��
In addition, for private cars, the purchase of body scratch insurance is also a good consideration�� Small make up here to tell you an example, you will soon understand the importance of purchasing scratch insurance�� Once, small make-up to the mall shopping will be parked on the side of the road, 30 minutes later came out to see, Buick car was struck with hard objects�� At that time, find the repair station paint price 3000 yuan, due to the purchase of scratch insurance, finally the insurance company for small pay the money�� Source:
Responsible editor:
A lot of friends who just bought a car will meet to the car insurance this link, the current car insurance market brand is numerous, the project is full of beautiful things in eyes, the price is also dazzling, so how to buy car insurance is the most cost - effective？ Let's make up to tell you, especially the novice friend, be sure to take out a small notebook pay attention to listen to oh！
Private car best buy full insurance, namely: basic insurance + additional insurance basic insurance refers to: vehicle loss insurance, third party liability insurance。
According to the relevant provisions of the road traffic law, vehicles without the purchase of vehicle loss insurance and third party liability insurance, can not be " on the road"。 Therefore, the general sense of the basic insurance of auto insurance refers to the above two types of insurance。
In general, most car owners now buy non-compensable insurance。 This is because the general auto insurance additional insurance will have about 20 % of the absolute deductible。 That is to say, in the event of an accident, the original insured amount of 1000 yuan of an insurance may be due to 20 % of the absolute deductible, the insurance company has the right to the amount of compensation within 20 % of the insured amount of claims are not liable for claims。 This is also a way for some insurance companies to reduce risk。
You can choose some small and medium-sized insurance companies。 Compared with large insurance companies, small and medium-sized companies in the early stage of market entry, in order to improve competitiveness, premium can provide 8. A discount of about 5 %。 At present, in order to balance the market share, regulators allow small and medium-sized insurance companies to make a certain proportion of the profits。 Take a low-grade car of about $ 100,000 as an example., the general basic premium is about $ 4,000., it may only cost about $ 3,200 to buy insurance from small and medium-sized companies。
When the price advantage is in front of the owner, the in the mind will worry: premium cheaper will affect the quality of claims after the insurance service？ Rest assured ~！ Most insurance companies do not earn a major profit by collecting auto insurance premiums, so premium income does not affect claim settlement services。
Several precautions for purchasing additional risks。
The car what is easy to bad, although not easy to bad but once broken maintenance is more expensive, these are the need to buy additional risks。 Additional risks include glass insurance, lamp insurance, car theft and rescue, body scratch insurance, car personnel liability insurance, and so on。
About 200,000, often take high-speed cars, in the purchase of additional risks should be considered glass insurance, the main insurance is the windshield insurance。 When the car is running on the highway, the small stones splashed up easily break the windshield。 For this reason, the owner must replace the whole piece of glass, maintenance is very expensive。 General replacement of a piece of domestic windshield need hundreds of yuan, and replacement of imported windshield cost about 1000 yuan。 And domestic windshield in the purchase of glass insurance, 1 year of premium spending only need about 150 yuan。 In addition, it is necessary to remind, domestic and imported windshield insurance premium price is different when buying, car owners need to pay special attention to when buying。
And for more than 200 thousand cars, car lights insurance, the whole car stolen rescue should also be considered to buy。 The lights are usually located in the lower position of the vehicle, which is most likely to be damaged in the event of a rear-end collision。 The reason for purchasing the lamp insurance is that the maintenance of the lamp is generally expensive, such as BMW's car head, for example, the maintenance and replacement needs about 10 thousand yuan。
In addition, for private cars, the purchase of body scratch insurance is also a good consideration。 Small make up here to tell you an example, you will soon understand the importance of purchasing scratch insurance。 Once, small make-up to the mall shopping will be parked on the side of the road, 30 minutes later came out to see, Buick car was struck with hard objects。 At that time, find the repair station paint price 3000 yuan, due to the purchase of scratch insurance, finally the insurance company for small pay the money。 Source:
Responsible editor:
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