[ car insurance how to buy cost - effective ]【 figure 】 car insurance how to buy cost-effective teach you to save money tips

Some 4 s shop requirements in the store insurance as a condition for the car, some new owners out of helpless or not familiar with auto insurance, so can only listen to, what they recommend za I have to what, not only to protect the insurance, the cost is high。 But in the second year, owners have their own choice, can be insured by telephone or online auto insurance。

　　 Because these two insurance methods save the middle link, and the insurance company also launched some preferential activities for a long time, so the price is more cost-effective than 4 s shop。 But all have advantages and disadvantages, in 4 s shop insurance can enjoy direct compensation service, if not, 4 s shop may refuse to provide you with insurance direct compensation service, then you need to determine the damage center。

　　 What kind of insurance must I buy?

　　 Compulsory insurance:

　　 This needless to say, this is compulsory insurance in our country。 When an accident occurs, compensation is paid to the injured party, and the amount of compensation is limited。 Total limit 12. $ 20,000。 This is far from enough in the face of some major accidents。

　　 Third party commercial liability insurance:

　　 Three insurance is a supplement to the compulsory insurance, but also to pay others, it is beyond the compulsory insurance compensation limit, by the insurance company is responsible for compensation, so car friends as far as possible at the same time to insure compulsory insurance and three insurance, so in the event of a major traffic accident have a guarantee。

　　 Car damage insurance:

　　 The first two kinds of insurance are used to pay the other party, and the car damage insurance is used to pay the insured person's own。

　　 Here are two tips: single parts damage is not compensable, in this case you can try to add work, separate into multiple parts damaged; Modification, loss of goods in the car and flooded, earthquake caused by engine loss is not compensable。

　　 These kinds of insurance can be considered not to buy

　　 Scratch risk:

　　 General car don't have to buy scratch insurance, 2000 line scratch insurance premium 400 pieces, 5000 line is 800 pieces。 And out of danger once or twice to 4 s shop repair is 1000 yuan, outside repair is cheap。 And scratch risk superposition limit for many times, also affect the second year rate。

　　 What did the car take? Change scratch to scratch, which part of the scratch to try to scratch the part, reported the car damage insurance payment。

　　 Self - combustion insurance:

　　 During the warranty period, the auto-ignition of the vehicle is the responsibility of the manufacturer's warranty, even if you bought the insurance, it is also a duplicate insurance, it doesn't make sense。 Must I buy it when the warranty expires? Not necessarily。 Suggestions are based on vehicle conditions, generally 4 - 5 years later due to the aging of the line, the use of poor environment can be considered to buy self-combustion insurance。

　　 Additional risks are not deductible:

　　 Non - compensable means transferring 20 % of the original owner's liability to the insurance company。 Regardless of the exemption is divided into basic insurance and additional insurance, the former for the car damage insurance, the three basic insurance independent effective; The latter applies uniformly to the additional risks of motor vehicles。 Basic insurance is very useful, regardless of the exemption from compensation is recommended to buy, and additional risks are not particularly recommended to buy, additional risks regardless of the exemption from compensation even if it。

　　 Three tips for saving money in auto insurance

　　 First, the website direct investment cost - effective

　　 Careful car friends should have found that if through some intermediary agencies, such as dealerships, agents, brokerage companies to sell products, than directly in the insurance company is more expensive。 Indeed, the latter is actually 15 % lower than the former, and now the website insurance is more and more perfect, often there are some promotional activities, so it may be more cost-effective than direct website insurance。

　　 Second, the third party insured amount of 200 pieces≈ 500,000!

　　 Once the occurrence of auto insurance claims, the three risks for people, cars, property compensation amount is very high, it is recommended that the amount of the three risks as far as possible to buy 500 thousand yuan, and in fact the amount of insurance from 500 thousand yuan to buy 1 million yuan, the premium only increase 200 yuan to 300 yuan, really meet things you will know how useful。

　　 Iii. timely renewal of compulsory insurance due

　　 If the compulsory insurance expires not timely renewal, to pay more premiums。 It is recommended to renew the insurance 5 - 10 days in advance. it is not necessary to renew the insurance too early。

　　 How to choose a package as needed

　　 Basic security type:

　　 Insurance type: traffic insurance, car damage insurance。

　　 Applicable object: the characteristics of the old car or the owner with good driving technology: the cost is moderate, the basic risk is guaranteed, the relevant claims occur, and only part of the compensation can be obtained。 Economic security:

　　 Type of insurance: compulsory insurance, car damage insurance, three risks, basic risks are not exempt from compensation

　　 Applicable object: budget car friends

　　 Features: cost - effective, car owners are most concerned about the big risks are guaranteed, the premium is not high。 Practical type of insurance。

　　 Security type:

　　 Type of insurance: traffic insurance, vehicle damage insurance, three risks, basic insurance excluding non - compensation, vehicle personnel liability insurance, whole vehicle theft and rescue, glass separate breakage insurance, scratch insurance

　　 Target: novice or premium new car

　　 Features: the insured value is large, but for beginners value for money。

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