By the end of the year, how to buy car insurance is the most appropriate？

One, car insurance which must buy three kinds of insurance is indispensable

1 7. the... Compulsory insurance

The full name of compulsory traffic insurance is " motor vehicle traffic accident liability compulsory insurance", is by the insurance company of the insured motor vehicle road traffic accident caused by the victim ( not including the car personnel and the insured ) of personal injury, property losses, within the limits of liability to be compensated for compulsory liability insurance。 At the same time, compulsory insurance is also the first compulsory insurance system implemented by national laws and regulations in China。 Therefore, compulsory insurance is one of the auto insurance that the owner must buy。

2... the vehicle damage insurance

Vehicle loss insurance refers to the natural disasters ( excluding earthquakes ) or accidents within the scope of insurance liability of insurance vehicles, resulting in the loss of insurance vehicles themselves, the insurer shall pay compensation in accordance with the provisions of the insurance contract。

It is worth noting that the cost of the vehicle loss insurance is linked to the value of the vehicle, which varies considerably depending on the purchase price of the vehicle。 For some models with longer service life, the cost is slightly lower。

3.. Third party liability insurance

Third party liability insurance ( hereinafter referred to as the three liability insurance ) refers to the insured or its allowed drivers in the use of insurance vehicles in the process of accident, resulting in a third party suffered personal injury or property damage directly, according to law shall be borne by the insured economic responsibility, the insurance company is responsible for compensation。 Because the compulsory insurance in the property loss and medical expenses of a third party part of the compensation is low, you can consider to buy a third party liability insurance as a supplement to the compulsory insurance。

At the same time, if, with the written consent of the insurance company, the insured thereby incurred arbitration or litigation costs, the insurance company in the liability limit of compensation, but not more than 30 % of the maximum liability limit。

Give priority to the purchase of full third party liability insurance。

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。

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。　　

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。

Two, and to buy auto insurance at the end of the year, how to buy cost - effective？

1. 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。

" 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:

( 1 ) it is recommended that both compulsory and commercial risks should be purchased in the same insurance company, and the claim settlement is convenient。

( 2 ) it is recommended that compulsory insurance and commercial insurance be purchased on the same day for renewal, otherwise it may be forgotten。

2. 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, 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。

Three, auto insurance and the four free services？ A critical moment can save you a lot of trouble！

Driving out three points insurance, car when any accident can happen。 So as soon as a new car comes to the ground, the owner will buy insurance for the car ( although someone was imposed by 4 s shop badly )。 But you know what？ When buying auto insurance, there are some additional services that are free of charge, but the salesman won't tell you that！ Therefore, these " feeder tasks" need you to explore。 So today we'll give you an introduction to what little-known free additional services are available for vehicle insurance。

Free replacement of tyres

A flat tire is believed to be one of the most unwanted but common accidents, so this service is designed to take care of female drivers, novice drivers or old drivers who just don't have jacks。 Just call the insurance company and they'll come and give you a free replacement, but only if you have a spare tire on your car, because the insurance company doesn't usually provide a spare tire。 So don't underestimate the spare tire behind the car！

Water, electricity, oil all free

Battery power is expected to be every car owners after too long will encounter。 But what if you don't have friends or cars around you？ It's simple.！ A phone call to the insurance company, they will be extremely ( bu ) hot ( yuan ) heart to come over to help you。 But if you don't know the service, call the rescue car, that's to collect money。

In addition, water tank water shortage, oil tank is no oil can find insurance company, but one thing need to pay attention to, no oil to find the insurance company, although the oil money is to own out, but the insurance company will fart Dian fart to take a bucket of oil to bring you warmth。

No money for trailer rescue

When you drive outside, you will inevitably encounter some accidents。 When the car for a variety of reasons can't open " anchor", don't call the trailer company a face of Meng force, drag the fare is not cheap。 Moreover, trailer company " temper is not small", sometimes see you the way is far it will choose not to say, go to may also blackmail you first, like the last time there was a Tesla owner because of a little quarrel by trailer driver " teach"。

At that time, we can still call the insurance company to see if they are out of range, when buying insurance, will give one or more rescue services, generally in about 50 km。

Out of the ditch for free

This service is suitable for some just " debut" soon Qiu mingshan quasi car god, eyes staring at the front, a foot throttle a push head a handle brake, a fierce operation such as tiger, turn to the gutter...... What about this time？ Don't worry, the first time is still to call the insurance company, and then put forward the service of free crane to the insurance company。 Otherwise, if you find the rescue team, the cost is high。

Conclusion: at present, these free services are additional value-added services provided by the insurance company, and may vary according to the amount of insurance you will cover this year, after all, " wool comes out of sheep"。 So when necessary, be sure to ask clear, lest increase unnecessary trouble。 Of course, if you are particularly good at " bargain", in general, the salesman in order to win the signature, will also add some other free service。

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