[ car insurance how to buy cost - effective ]5 minutes to understand how to buy auto insurance is the most suitable for themselves, the most cost - effective

With the improvement of people's living standards, now buy a car really many car friends, speaking of auto insurance, everyone is no stranger, bought a car must buy insurance�� It's human nature to buy a car for fear of accidents�� But the auto insurance routine is very deep, the auto insurance variety is various, many consumers bought a lot of insurance, including repeated insurance and unnecessary insurance, so will be fooled to buy a lot of insurance, waste a lot of unnecessary money�� So what kind of insurance must buy�� What kind of insurance don't have to buy�� How to buy auto insurance is the most cost - effective��

First, these insurance must buy��

Compulsory insurance

Compulsory traffic insurance is the abbreviation of motor vehicle traffic accident liability compulsory insurance, is a compulsory insurance for the insured vehicles in the occurrence of road traffic accidents should bear the economic damage liability for compensation in accordance with the law�� New car without compulsory insurance can't be on the card, not to pay the next year by the traffic police to may be fined and fined to pay twice the compulsory insurance, after the purchase will send you a sign of compulsory insurance, to stick on the window glass��

Its main function is, if you drive into someone else's car is to compensate for the loss of other people's car, his car didn't compensate, the loss of his car is in the car damage insurance to compensate, pay compulsory insurance coverage is death 110000, medical expenses 10000, property losses 2 thousand, the other side of the car is to you to compensate to see the accident responsibility, if it is the other side rear-end collision of your car, you are not responsible for, the other party is responsible for your car repaired�� In short, it's insurance for someone else��

Exclusive of special insurance

The special clause without exemption of odds is a kind of additional risk�� The insurance is usually refers to the special agreement, after the occurrence of an insurance accident, in accordance with the provisions of the corresponding insurance of the main insurance clause of the free odds calculation, shall be borne by the insured to pay the amount of free compensation, the insurer is responsible for compensation�� In many accident compensation, the insurance company has 5 % - 20 % of the free odds, bought without compensation special insurance, the insurance company can be in full compensation after the accident��

Simply put, not buy to take part of the risk, some cases can't get full compensation�� Bought, this part of the risk can be borne by the insurance company, so that you can get 100 % compensation at most��

Commercial third party liability insurance

Third party liability insurance refers to the insured to allow qualified drivers, in the use of the insured vehicle accident occurred in the process, resulting in a third party suffered personal injury or direct loss of property, according to the law shall be paid by the insured amount of compensation, the insurer will be in accordance with the relevant provisions of the insurance contract to give compensation��

That is to say, in the use of vehicles in the process of accident, resulting in a third party suffered personal injury and property losses, shall be borne by the applicant's liability for compensation, the insurance company for more than pay compulsory insurance compensation limit above, in accordance with the provisions of the contract compensation�� If unfortunately crashed luxury cars or driving causing serious injury, compensation may be as high as hundreds of thousands, pay insurance up to 12. 20000�� But the insured three risks, pay compulsory insurance payment is insufficient, can be compensated by the insurance company��

the vehicle damage insurance

The vehicle loss insurance is responsible for compensation for the loss of the vehicle itself caused by natural disasters and accidents�� This is the most important insurance in auto insurance�� Not much money, but can get a lot of protection�� Generally speaking, for imported cars, domestic cars, if the year is not too long, or driver technology or driving habits can not provide higher security for vehicle safety, it is best to buy this insurance�� If you don't protect the insurance, after the collision of vehicles repair costs have to pay, it may be thousands, tens of thousands or even hundreds of thousands of yuan��

However, the car damage insurance only for car body damage compensation, small parts of the individual damage is not within the scope of claims, such as: tires, rearview mirrors, and so on�� In addition, drunk driving, not annual inspection, engine water after start damage, car parts were stolen, earthquake, did not get a temporary license of new cars, etc. will not compensate��

In addition to the above four, if the salesman also recommend other insurance, can according to their own car to the situation and driving habits decided to buy not to buy, such as:

Water - related risk

Water - related insurance refers to the insured vehicle in the water road wading or flooded after causing damage to the engine can be compensated�� It is an additional risk specifically purchased for the engine�� Which is used for compensating the direct damage of the engine caused by the water inflow of the engine in the use process of the insurance motor vehicle�� That is to say, water-related insurance = engine special loss insurance��

However, if the engine is damaged as a result of the following conditions, it will be rejected by the insurance company: the engine is damaged due to the secondary start after water intake; Knowing that the water is serious also wading; The garage was flooded with water�� Especially in the first case, after flameout in the water, don't start twice�� After the second start, the connecting rod will bend deformation, insurance companies can easily distinguish��

If the insurance company does not compensate, it can only bear the loss caused by engine damage�� Also want to explain, garage flooded with water, not wading problem, bought a water-related insurance is useless�� In this case, the car damage insurance will compensate, including engine losses��

Self - combustion risk

Self - combustion insurance is the additional risk of car damage insurance, must first be insured vehicle loss insurance can be insured�� During the insurance period, the insurance vehicle in the use process, due to the car circuit, line, oil, the goods themselves problems, motor vehicle running friction fire caused by fire, resulting in the loss of insurance vehicles, in order to reduce the loss of insurance vehicles to spend reasonable rescue costs, the insurance company will be compensated accordingly�� Remember is " spontaneous combustion", fire and other external causes of vehicle combustion is not included��

New cars generally don't have to buy this risk, because during the warranty period, once the spontaneous combustion will be the responsibility of the manufacturer�� The premise is that the manufacturer can bear the responsibility�� In recent years, some less than a year of new car " spontaneous combustion" phenomenon occurs frequently, and the car manufacturers are to avoid responsibility, in this case, did not buy self-combustion insurance owners are more troublesome��

If unauthorized modification, installation of electrical appliances caused by spontaneous combustion and only cause the loss of vehicle electrical appliances, lines, oil supply system, gas supply system of the insurance company is not compensate�� Also, there are generally about 20 % of the odds��

Whole vehicle stolen rescue

Theft insurance is refers to if the whole car was stolen, robbed by the public security criminal investigation department at or above the county level for investigation confirmed full 60 - 90 days and no whereabouts�� The reasonable cost of insurance vehicles in theft, robbery, robbery during damage or car parts, accessories lost need to repair�� Direct compensation by the insurance company��

Not afraid of thieves steal is afraid of thief thinking, for just bought a new car owners, new car theft rescue is necessary, within two years of new car stolen risk is bigger, buy not to buy can only see personal situation��

Scratch risk

Scratch insurance is the additional risk of car damage insurance, that is, insured motor vehicle loss insurance, can be covered by scratch insurance�� Scratch insurance full name body scratch loss insurance, home-use vehicles, non-business vehicles can be insured, refers to the insurance period, the insurance vehicle without obvious collision traces of body surface paint scratch alone, the insurance company is responsible for compensation according to the actual loss�� The biggest difference between scratch insurance and vehicle damage insurance is that the protection responsibility of vehicle scratch insurance is " other people's malicious behavior caused by human scratch on the body of the insured vehicle"��

For example, when driving what accident hit, or have a small scratch, vehicle scratches, this belongs to the scope of the protection of the car damage insurance, no scratch insurance what's the matter��

If your car parked on the side of the road, and then the body inexplicably was scratched on the top, or battery car scratch scratch, but can't find the perpetrators, scratch risk will play a role at this time, that is to say, scratch risk is with " pay from the scene" and " don't need to give scratch reason" two characteristics��

I don't think it's expensive to make up for a paint now ( luxury car is another ), but it's not so much to make up for yourself�� The second is to produce a scratch even if a risk, insurance premium rise again next year, it is better to fix it yourself��

Glass hazard

Glass insurance, that is, the insurance company is responsible for the compensation of insurance vehicles in the process of use, the loss of the car glass broken a commercial insurance�� Broken glass, refers to the insured vehicle only windshield and window glass ( excluding lights, glass ) damage��

For high-end cars, luxury car owners, it is recommended that the first four or five years to buy separate glass breakage insurance, applicable to often knocked on the window to steal things or car glass is often smashed if not on this risk, glass broken alone can't get compensation, and 4 s shop for this kind of car glass accessories price is very high, the owner will encounter this kind of situation��

Two, what kind of insurance for me��

Basic security type:

Insurance type: traffic insurance, car damage insurance��

Applicable object: the old car or driving technology better owner

Features: moderate cost, guarantee the basic risk, the occurrence of related claims, only part of the compensation��

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��

Best guarantee 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��

Summary: Car insurance is now more and more pattern, let car friends choose dazzling, especially choose hesitant people to choose, also will let professionals introduce which is good�� So have you ever thought that a professional insurance company is to make money, will not let you spend more money? So when buying insurance, you should choose to buy the best��

With the improvement of people's living standards, now buy a car really many car friends, speaking of auto insurance, everyone is no stranger, bought a car must buy insurance。 It's human nature to buy a car for fear of accidents。 But the auto insurance routine is very deep, the auto insurance variety is various, many consumers bought a lot of insurance, including repeated insurance and unnecessary insurance, so will be fooled to buy a lot of insurance, waste a lot of unnecessary money。 So what kind of insurance must buy？ What kind of insurance don't have to buy？ How to buy auto insurance is the most cost - effective？

First, these insurance must buy！

Compulsory insurance

Compulsory traffic insurance is the abbreviation of motor vehicle traffic accident liability compulsory insurance, is a compulsory insurance for the insured vehicles in the occurrence of road traffic accidents should bear the economic damage liability for compensation in accordance with the law。 New car without compulsory insurance can't be on the card, not to pay the next year by the traffic police to may be fined and fined to pay twice the compulsory insurance, after the purchase will send you a sign of compulsory insurance, to stick on the window glass。

Its main function is, if you drive into someone else's car is to compensate for the loss of other people's car, his car didn't compensate, the loss of his car is in the car damage insurance to compensate, pay compulsory insurance coverage is death 110000, medical expenses 10000, property losses 2 thousand, the other side of the car is to you to compensate to see the accident responsibility, if it is the other side rear-end collision of your car, you are not responsible for, the other party is responsible for your car repaired。 In short, it's insurance for someone else。

Exclusive of special insurance

The special clause without exemption of odds is a kind of additional risk。 The insurance is usually refers to the special agreement, after the occurrence of an insurance accident, in accordance with the provisions of the corresponding insurance of the main insurance clause of the free odds calculation, shall be borne by the insured to pay the amount of free compensation, the insurer is responsible for compensation。 In many accident compensation, the insurance company has 5 % - 20 % of the free odds, bought without compensation special insurance, the insurance company can be in full compensation after the accident。

Simply put, not buy to take part of the risk, some cases can't get full compensation。 Bought, this part of the risk can be borne by the insurance company, so that you can get 100 % compensation at most。

Commercial third party liability insurance

Third party liability insurance refers to the insured to allow qualified drivers, in the use of the insured vehicle accident occurred in the process, resulting in a third party suffered personal injury or direct loss of property, according to the law shall be paid by the insured amount of compensation, the insurer will be in accordance with the relevant provisions of the insurance contract to give compensation。

That is to say, in the use of vehicles in the process of accident, resulting in a third party suffered personal injury and property losses, shall be borne by the applicant's liability for compensation, the insurance company for more than pay compulsory insurance compensation limit above, in accordance with the provisions of the contract compensation。 If unfortunately crashed luxury cars or driving causing serious injury, compensation may be as high as hundreds of thousands, pay insurance up to 12. 20000。 But the insured three risks, pay compulsory insurance payment is insufficient, can be compensated by the insurance company。

the vehicle damage insurance

The vehicle loss insurance is responsible for compensation for the loss of the vehicle itself caused by natural disasters and accidents。 This is the most important insurance in auto insurance。 Not much money, but can get a lot of protection。 Generally speaking, for imported cars, domestic cars, if the year is not too long, or driver technology or driving habits can not provide higher security for vehicle safety, it is best to buy this insurance。 If you don't protect the insurance, after the collision of vehicles repair costs have to pay, it may be thousands, tens of thousands or even hundreds of thousands of yuan。

However, the car damage insurance only for car body damage compensation, small parts of the individual damage is not within the scope of claims, such as: tires, rearview mirrors, and so on。 In addition, drunk driving, not annual inspection, engine water after start damage, car parts were stolen, earthquake, did not get a temporary license of new cars, etc. will not compensate。

In addition to the above four, if the salesman also recommend other insurance, can according to their own car to the situation and driving habits decided to buy not to buy, such as:

Water - related risk

Water - related insurance refers to the insured vehicle in the water road wading or flooded after causing damage to the engine can be compensated。 It is an additional risk specifically purchased for the engine。 Which is used for compensating the direct damage of the engine caused by the water inflow of the engine in the use process of the insurance motor vehicle。 That is to say, water-related insurance = engine special loss insurance。

However, if the engine is damaged as a result of the following conditions, it will be rejected by the insurance company: the engine is damaged due to the secondary start after water intake; Knowing that the water is serious also wading; The garage was flooded with water。 Especially in the first case, after flameout in the water, don't start twice。 After the second start, the connecting rod will bend deformation, insurance companies can easily distinguish。

If the insurance company does not compensate, it can only bear the loss caused by engine damage。 Also want to explain, garage flooded with water, not wading problem, bought a water-related insurance is useless。 In this case, the car damage insurance will compensate, including engine losses。

Self - combustion risk

Self - combustion insurance is the additional risk of car damage insurance, must first be insured vehicle loss insurance can be insured。 During the insurance period, the insurance vehicle in the use process, due to the car circuit, line, oil, the goods themselves problems, motor vehicle running friction fire caused by fire, resulting in the loss of insurance vehicles, in order to reduce the loss of insurance vehicles to spend reasonable rescue costs, the insurance company will be compensated accordingly。 Remember is " spontaneous combustion", fire and other external causes of vehicle combustion is not included。

New cars generally don't have to buy this risk, because during the warranty period, once the spontaneous combustion will be the responsibility of the manufacturer。 The premise is that the manufacturer can bear the responsibility。 In recent years, some less than a year of new car " spontaneous combustion" phenomenon occurs frequently, and the car manufacturers are to avoid responsibility, in this case, did not buy self-combustion insurance owners are more troublesome。

If unauthorized modification, installation of electrical appliances caused by spontaneous combustion and only cause the loss of vehicle electrical appliances, lines, oil supply system, gas supply system of the insurance company is not compensate。 Also, there are generally about 20 % of the odds。

Whole vehicle stolen rescue

Theft insurance is refers to if the whole car was stolen, robbed by the public security criminal investigation department at or above the county level for investigation confirmed full 60 - 90 days and no whereabouts。 The reasonable cost of insurance vehicles in theft, robbery, robbery during damage or car parts, accessories lost need to repair。 Direct compensation by the insurance company。

Not afraid of thieves steal is afraid of thief thinking, for just bought a new car owners, new car theft rescue is necessary, within two years of new car stolen risk is bigger, buy not to buy can only see personal situation。

Scratch risk

Scratch insurance is the additional risk of car damage insurance, that is, insured motor vehicle loss insurance, can be covered by scratch insurance。 Scratch insurance full name body scratch loss insurance, home-use vehicles, non-business vehicles can be insured, refers to the insurance period, the insurance vehicle without obvious collision traces of body surface paint scratch alone, the insurance company is responsible for compensation according to the actual loss。 The biggest difference between scratch insurance and vehicle damage insurance is that the protection responsibility of vehicle scratch insurance is " other people's malicious behavior caused by human scratch on the body of the insured vehicle"。

For example, when driving what accident hit, or have a small scratch, vehicle scratches, this belongs to the scope of the protection of the car damage insurance, no scratch insurance what's the matter。

If your car parked on the side of the road, and then the body inexplicably was scratched on the top, or battery car scratch scratch, but can't find the perpetrators, scratch risk will play a role at this time, that is to say, scratch risk is with " pay from the scene" and " don't need to give scratch reason" two characteristics。

I don't think it's expensive to make up for a paint now ( luxury car is another ), but it's not so much to make up for yourself。 The second is to produce a scratch even if a risk, insurance premium rise again next year, it is better to fix it yourself。

Glass hazard

Glass insurance, that is, the insurance company is responsible for the compensation of insurance vehicles in the process of use, the loss of the car glass broken a commercial insurance。 Broken glass, refers to the insured vehicle only windshield and window glass ( excluding lights, glass ) damage。

For high-end cars, luxury car owners, it is recommended that the first four or five years to buy separate glass breakage insurance, applicable to often knocked on the window to steal things or car glass is often smashed if not on this risk, glass broken alone can't get compensation, and 4 s shop for this kind of car glass accessories price is very high, the owner will encounter this kind of situation。

Two, what kind of insurance for me？

Basic security type:

Insurance type: traffic insurance, car damage insurance。

Applicable object: the old car or driving technology better owner

Features: moderate cost, guarantee the basic risk, the occurrence of related claims, only part of the compensation。

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。

Best guarantee 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。

Summary: Car insurance is now more and more pattern, let car friends choose dazzling, especially choose hesitant people to choose, also will let professionals introduce which is good。 So have you ever thought that a professional insurance company is to make money, will not let you spend more money? So when buying insurance, you should choose to buy the best。

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