Cic Morgan： how to buy auto insurance is cost - effective？

Selection difficulties do not exist only in girls choosing cosmetics, CIC Morgan found that many car owners in the purchase of car insurance also have selection difficulties。 Car insurance variety is multifarious, the standard is also many, in addition to have to buy, all don't know what the insurance COMpany introduced these products can help save more trouble。

So what exactly should car insurance do？ Let's look at the must buy series first。

Compulsory insurance

Compulsory traffic insurance is the national mandatory requirements of each owner must buy insurance, " not to buy illegal"。 If you don't buy, will not be able to sign, transfer, annual inspection, once found, the car will be deducted, and in double premium punishment。

If you don't buy a car, it's like buying a toy car。 Compulsory traffic insurance reduces your financial burden after an accident while driving, but not much。 There are deaths, the maximum compensation of 110 thousand; Personnel injured, the maximum compensation of 10 thousand; The car scratch, repair, 2000 can't more。

So just buy compulsory insurance is not enough to reduce the economic burden。

Third party liability insurance

This insurance, mainly responsible for the repair of luxury cars, personal injury compensation, under normal circumstances is to buy the amount of 200000 yuan。 This insurance can be used as a supplement to the compulsory insurance, if the other vehicle and personnel losses more than the proportion of compulsory insurance, third party liability insurance to help。

Car damage insurance

Car damage insurance is in the event of an insurance accident and cause damage to the insured vehicle, will lose money。

If there is an accident on the road, your car will not be damaged。 So the maintenance cost, you will find someone to help you solve, after the accident, the other side of the vehicle by the first two kinds of insurance is enough to pay, so your own vehicle need to repair with car damage insurance, minimum can pay 85 %, and 15 % of the repair costs need to be borne by you。

Non - compensable risk

The above three kinds of insurance, are the highest amount of compensation。 Such as you buy a third party liability insurance amount of 200000, the other party but ask you to compensate 500000, then the insurance company only 200000, the remaining 300000 are you think of some way to yourself。

If the purchase of non-compensable insurance, the above various remaining 15 %, 20 % of the amount, as long as within a reasonable range, the insurance company will be 100 % of the payment。

Said will buy series, let's take a look at the " unnecessary series"。

Self - combustion risk

This insurance only applies to vehicles in hot weather, but a year of high temperature is just two months。 Others fire is not within the scope of claims, and the natural probability of a new car is low, there is no need。 If a little old car, still can consider buying one。

Pirate rescue

Cic Morgan believes that if your car parked in a better security area, garage every day, you don't have to spend the money。 If you see a parking space on the curb every day and stop, suggest buying one。

There are some water-related risks, glass breakage risk alone, body scratch risk, etc., depending on the situation, but also not too much necessary to buy。

For some friends who haven't bought a car or are ready to buy a car, if you are still trying to raise money to buy a car, it is better to distribute their assets, such as choosing CIC Morgan's related wealth management products, to increase some additional income, buy a car as soon as possible。

Not only to buy reasonable useful auto insurance, but also to carefully plan their own assets。

Cic Morgan - a comprehensive internet financial platform: www. Cicmorgan.com

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