Detailed explanation of 2016 auto insurance should be how to buy cost - effective

Must buy

Compulsory insurance

The state regulations, must, must and must buy, the charge standard is unified in the country, but different car models of compulsory insurance prices will be different, the so-called car model mainly refers to the " number of seats"�� When a traffic accident occurs, by Insurance company Right quilt Insurance Motor vehicle caused by the victim ( not including the car personnel and the insured ) of personal injury, property losses, compensation within the limit of liability, but the amount of compensation is low��

the vehicle damage insurance

The insurance company to compensate for the loss of the main car, the maximum amount can reach the new car price�� General security is because some natural disasters ( except earthquake ) and collision, overturning and other accidents caused by the loss of insurance vehicles and related rescue costs�� There is a formula for this compensation: basic premium + new car purchase price x rate�� Can be calculated according to their own premium��

Third party liability insurance

In short, pay strong insurance is not enough to compensate, the risk is responsible for compensate�� Although it is voluntary, but it is recommended to buy, after all, now there are so many luxury cars on the road�� For example: accident, want to compensate 300,000, pay strong insurance to compensate up to 100,000, so you can let the third party liability insurance to compensate some ( the amount of compensation is determined by the insured amount )��

But one thing to note is that not you bought a high third party liability insurance means that you can freely see luxury car crashed into, because the third party is only responsible for in addition to the applicant, the insured, the insurer, due to the insured vehicle accident and loss of third party victims�� Remember, this risk doesn't protect your car and people�� In addition, drunk driving, drug driving, driving without a license this risk will not pay��

Consideration purchase

The car Seat insurance

Pay the car drivers and passengers of personal injury related costs, the maximum compensation limit for the insured amount��

Vehicle Scratch risk

When your vehicle is maliciously scratched, pay for it, and in the event of multiple trips, calculate the total amount of compensation��

Vehicle Water - related risk

Repair costs are reimbursed for engine damage caused by flooding or the like��

In addition to the above though, there are Pirate rescue , self - combustion, glass broken risk alone, and so on, these are relatively less necessary to buy, but if you are a luxury car or novice, or consider buying it��

Of course, the insurance company in order to facilitate, also will launch some Car insurance The purchase of packages, and these packages also see dazzling�� Small plait here with a few sets of packages for your reference, specific how to choose, still have to see their own actual situation�� In addition, in most Insurance type There will be no compensation for this option, small suggestions to choose it, the role of this option is, in the original insurance payment amount as far as possible to reduce the loss of the insurer, is the insurance company to pay you more money��

Basic type:

Combination: traffic insurance + car damage insurance

Suitable type: old car, old driver��

Low cost, basic risk protection��

Security type:

Combination: traffic insurance + car damage insurance + third party insurance

Suitable type: ordinary family car, 2 - 3 years or more driver��

The big risks to worry about are guaranteed, and the cost is not too high��

Strengthening security:

Combination: traffic insurance, car damage insurance, three risks, excluding non - compensation, car seat insurance, theft and rescue, glass breakage risk alone, scratch risk

Fit type: Novice, luxury car

The cost is relatively high, but for beginners or luxury cars, or a comparison of value��

Summary: full insurance is not equal to full insurance, this is everyone need to remember, many 4 s stores will be the concept of full insurance to fool novice owners, think it is full insurance, such as accidents to know the truth�� Insurance is one thousand this kind of situation is a guarantee, so when you buy auto insurance, try to consider their own car situation to consider what kind of insurance to buy, suitable for their own insurance that is insurance�� In addition, telephone coverage and site direct investment will be relatively cost - effective, at a maximum rate of 15 % lower, and also very convenient��

Must buy

Compulsory insurance

The state regulations, must, must and must buy, the charge standard is unified in the country, but different car models of compulsory insurance prices will be different, the so-called car model mainly refers to the " number of seats"。 When a traffic accident occurs, by Insurance company Right quilt Insurance Motor vehicle caused by the victim ( not including the car personnel and the insured ) of personal injury, property losses, compensation within the limit of liability, but the amount of compensation is low。

the vehicle damage insurance

The insurance company to compensate for the loss of the main car, the maximum amount can reach the new car price。 General security is because some natural disasters ( except earthquake ) and collision, overturning and other accidents caused by the loss of insurance vehicles and related rescue costs。 There is a formula for this compensation: basic premium + new car purchase price x rate。 Can be calculated according to their own premium。

Third party liability insurance

In short, pay strong insurance is not enough to compensate, the risk is responsible for compensate。 Although it is voluntary, but it is recommended to buy, after all, now there are so many luxury cars on the road。 For example: accident, want to compensate 300,000, pay strong insurance to compensate up to 100,000, so you can let the third party liability insurance to compensate some ( the amount of compensation is determined by the insured amount )。

But one thing to note is that not you bought a high third party liability insurance means that you can freely see luxury car crashed into, because the third party is only responsible for in addition to the applicant, the insured, the insurer, due to the insured vehicle accident and loss of third party victims。 Remember, this risk doesn't protect your car and people。 In addition, drunk driving, drug driving, driving without a license this risk will not pay。

Consideration purchase

The car Seat insurance

Pay the car drivers and passengers of personal injury related costs, the maximum compensation limit for the insured amount。

Vehicle Scratch risk

When your vehicle is maliciously scratched, pay for it, and in the event of multiple trips, calculate the total amount of compensation。

Vehicle Water - related risk

Repair costs are reimbursed for engine damage caused by flooding or the like。

In addition to the above though, there are Pirate rescue , self - combustion, glass broken risk alone, and so on, these are relatively less necessary to buy, but if you are a luxury car or novice, or consider buying it。

Of course, the insurance company in order to facilitate, also will launch some Car insurance The purchase of packages, and these packages also see dazzling。 Small plait here with a few sets of packages for your reference, specific how to choose, still have to see their own actual situation。 In addition, in mostInsurance type There will be no compensation for this option, small suggestions to choose it, the role of this option is, in the original insurance payment amount as far as possible to reduce the loss of the insurer, is the insurance company to pay you more money。

Basic type:

Combination: traffic insurance + car damage insurance

Suitable type: old car, old driver。

Low cost, basic risk protection。

Security type:

Combination: traffic insurance + car damage insurance + third party insurance

Suitable type: ordinary family car, 2 - 3 years or more driver。

The big risks to worry about are guaranteed, and the cost is not too high。

Strengthening security:

Combination: traffic insurance, car damage insurance, three risks, excluding non - compensation, car seat insurance, theft and rescue, glass breakage risk alone, scratch risk

Fit type: Novice, luxury car

The cost is relatively high, but for beginners or luxury cars, or a comparison of value。

Summary: full insurance is not equal to full insurance, this is everyone need to remember, many 4 s stores will be the concept of full insurance to fool novice owners, think it is full insurance, such as accidents to know the truth。 Insurance is one thousand this kind of situation is a guarantee, so when you buy auto insurance, try to consider their own car situation to consider what kind of insurance to buy, suitable for their own insurance that is insurance。 In addition, telephone coverage and site direct investment will be relatively cost - effective, at a maximum rate of 15 % lower, and also very convenient。

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