Car insurance buying tips hands teach you how to buy more cost - effective

���� The three risks bought not kui!

���� 1. compulsory insurance

���� Strong insurance is compulsory by the state, when the vehicle accident occurs, the payment object is the hit party, and the payment amount is limited, the maximum limit is 12. $ 20,000��

���� 2, third party commercial liability insurance

���� This insurance is a supplement to the strong insurance, payment object is also others�� In the event of an accident, if the amount of compensation exceeds the compulsory insurance compensation limit, the insurance company shall be responsible for the compensation��

���� 3, car damage insurance

���� With the front two kinds of the biggest difference, is the car damage insurance payment object is the insured, that is, yourself! When the accident, in addition to the earthquake caused by natural disasters damaged vehicles, car damage insurance can give us the corresponding compensation�� There are many situations in which car damage is not covered, such as spontaneous combustion of the vehicle, broken glass alone, scratches on the body, and damage to the engine caused by flooding of the vehicle and re-ignition by the owner��

���� To save money, these can be purchased as appropriate:

���� 1. scratch risk

���� If scratch paint no obvious traces of collision, car damage insurance is not paid, then scratch insurance will play a role�� But in the public security, parking environment is good, the risk can not buy��

���� 2, self-combustion insurance

���� If the vehicle is still in the warranty period, spontaneous combustion by the manufacturer is responsible for, pay attention to is in the premise of no unauthorized transformation of the original car circuit�� If you buy a self-insurance policy during the warranty period, it is equivalent to repeated insurance��

���� 3. water - related risks

���� This is an additional risk to the engine�� If the vehicle flooded, because the owner again lighter cause engine damage, at this time the car loss insurance does not compensate, but water-related insurance can compensate��

���� 4, excluding free compensation

���� The above compensation is not full compensation, if there is no exemption from compensation, in the event of an accident, should be responsible for the 5 % to 20 % of the liability, and then passed on to the insurance company��

���� There are also glass risk, stop loss insurance, theft and rescue, seat insurance, etc. can be purchased according to their own situation, insurance is not the more the better, have to spend the money“ Blade” , of course, local tyrants can ignore!

���� The minimum insurance cost plan is compulsory insurance + third party liability insurance, and the most basic is compulsory insurance + third party liability insurance + car damage insurance�� As for other additional risks, can be determined according to their own specific circumstances��

���� How to buy car insurance?

���� Buy insurance, mainly through 4 s shop, insurance company business hall, insurance company website and telephone purchase�� It costs the most to buy at store 4 s, because you understand! And the other three ways directly benefit themselves, such as some preferential, relatively can save a little money��

���� The cost of renewal is related to the number of risks and the amount of claims in the previous year�� In accordance with the provisions, as long as the owner within one year without any violation records, insurance and claims, in the second year renewal can enjoy compulsory insurance, commercial insurance cost reduction treatment, but also by the insurance company as a high quality customer, and enjoy preferential service of car insurance��

���� Matters needing attention

���� 1, small cut rub their processing, find the insurance company time and effort, also leave a risk record��

���� 2, renewal should not be too early / too late, it is recommended to renew about 5 days in advance��

���� 3, be sure to go to the formal insurance company, or agency��

���� Car insurance is a guarantee, the ultimate driving safety, still have to rely on their own!

　　 The three risks bought not kui!

　　 1. compulsory insurance

　　 Strong insurance is compulsory by the state, when the vehicle accident occurs, the payment object is the hit party, and the payment amount is limited, the maximum limit is 12. $ 20,000。

　　 2, third party commercial liability insurance

　　 This insurance is a supplement to the strong insurance, payment object is also others。 In the event of an accident, if the amount of compensation exceeds the compulsory insurance compensation limit, the insurance company shall be responsible for the compensation。

　　 3, car damage insurance

　　 With the front two kinds of the biggest difference, is the car damage insurance payment object is the insured, that is, yourself! When the accident, in addition to the earthquake caused by natural disasters damaged vehicles, car damage insurance can give us the corresponding compensation。 There are many situations in which car damage is not covered, such as spontaneous combustion of the vehicle, broken glass alone, scratches on the body, and damage to the engine caused by flooding of the vehicle and re-ignition by the owner。

　　 To save money, these can be purchased as appropriate:

　　 1. scratch risk

　　 If scratch paint no obvious traces of collision, car damage insurance is not paid, then scratch insurance will play a role。 But in the public security, parking environment is good, the risk can not buy。

　　 2, self-combustion insurance

　　 If the vehicle is still in the warranty period, spontaneous combustion by the manufacturer is responsible for, pay attention to is in the premise of no unauthorized transformation of the original car circuit。 If you buy a self-insurance policy during the warranty period, it is equivalent to repeated insurance。

　　 3. water - related risks

　　 This is an additional risk to the engine。 If the vehicle flooded, because the owner again lighter cause engine damage, at this time the car loss insurance does not compensate, but water-related insurance can compensate。

　　 4, excluding free compensation

　　 The above compensation is not full compensation, if there is no exemption from compensation, in the event of an accident, should be responsible for the 5 % to 20 % of the liability, and then passed on to the insurance company。

　　 There are also glass risk, stop loss insurance, theft and rescue, seat insurance, etc. can be purchased according to their own situation, insurance is not the more the better, have to spend the money" Blade" , of course, local tyrants can ignore!

　　 The minimum insurance cost plan is compulsory insurance + third party liability insurance, and the most basic is compulsory insurance + third party liability insurance + car damage insurance。 As for other additional risks, can be determined according to their own specific circumstances。

　　 How to buy car insurance?

　　 Buy insurance, mainly through 4 s shop, insurance company business hall, insurance company website and telephone purchase。 It costs the most to buy at store 4 s, because you understand! And the other three ways directly benefit themselves, such as some preferential, relatively can save a little money。

　　 The cost of renewal is related to the number of risks and the amount of claims in the previous year。 In accordance with the provisions, as long as the owner within one year without any violation records, insurance and claims, in the second year renewal can enjoy compulsory insurance, commercial insurance cost reduction treatment, but also by the insurance company as a high quality customer, and enjoy preferential service of car insurance。

　　 Matters needing attention

　　 1, small cut rub their processing, find the insurance company time and effort, also leave a risk record。

　　 2, renewal should not be too early / too late, it is recommended to renew about 5 days in advance。

　　 3, be sure to go to the formal insurance company, or agency。

　　 Car insurance is a guarantee, the ultimate driving safety, still have to rely on their own!

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