How to buy the best car insurance for yourself？

The purchase of car insurance should be carefully calculated, should be carefully selected。

With China's auto production and sales exceeding 18 million units in 2010, China has become the world's largest market, the development of China's car market reached a peak。 Due to the objective existence of rigid demand for automobile consumption, China's car market will continue to show a steady rise in the future for a period of time, more and more people will have their own car。 However, while enjoying the fun of driving, we have to plan ahead and plan for the purchase of car insurance as soon as possible。 Nowadays, the cost of raising a car is getting higher and higher, how to choose the best combination of car insurance, which is suitable for themselves, has become a big problem in front of every owner or prospective owner。 With the arrival of the " 315" consumer rights day, we will make an analysis of how to choose auto insurance, hope to be able to throw bricks and stones, to everyone's benefit。

Should the purchase of car insurance go to extremes？

We know that car insurance is divided into two categories: basic insurance and additional insurance。 The basic insurance includes vehicle loss insurance and third party liability insurance。 Additional risks mainly include the whole car theft and rescue, car liability insurance, glass alone broken risk, spontaneous combustion loss risk, excluding special insurance and so on。

Due to the complexity of domestic car environment, insurance companies for their own interests, and constantly improve the threshold of payment。 Consumers are paying more and more for genuine protection。 Many owners because of no experience or out of love for the vehicle, when buying a new car will buy valuable full insurance, can buy all kinds of insurance。 Little imagine, do the owner is easy to insure some almost useless insurance, spend a large part of the money is not " used on the blade"。 In addition, there are some owners in order to save money, think many insurance is useless, in addition to the state mandatory purchase of " compulsory insurance", what other insurance also don't buy。

In the current types of auto insurance, only belong to the mandatory requirements of the traffic management department of the " compulsory traffic insurance" is every owner must buy, and car damage insurance and theft insurance and other insurance are only optional insurance。 The author suggests that car owners to buy auto insurance, the insurance salesman to provide insurance items one by one to ask clear, understand the scope of coverage and compensation restrictions, do not be greedy。

According to industry sources, the two types of car owners in the purchase of insurance there are errors。 The ultimate goal of buying auto insurance is to get timely compensation in case of vehicle loss。 From the actual situation to choose the most likely use of insurance, is both economic and cost-effective approach。 In fact, the purchase of auto insurance needs specific analysis of specific issues。 If you want insurance protection and want to save money, you have to choose the best combination for yourself。

Choose the car insurance portfolio that best suits you, from person to person

For the novice, because the novice car and driving a long old driver compared with a certain degree of particularity, so in addition to the national mandatory purchase of " compulsory traffic insurance", some commercial insurance is also necessary。 Novice although driving more carefully, but lack of experience, unavoidably have some bumps, accident frequency is relatively high。 In order to reduce the loss, it is recommended that beginners buy a new car don't take chances, just buy compulsory insurance, can be properly。 It is recommended to purchase the following types of insurance: third party liability insurance, vehicle loss insurance, on-board personnel liability insurance and non-compensable special insurance. other types of insurance can be selected according to their own situation。

Veteran owners because of driving experience is more rich, so compared with novice, vehicle loss insurance can not protect, third party liability insurance can choose a slightly lower premium。 New car to buy the best insurance in the novice owners of insurance plus a theft rescue, can consider whether to add scratch insurance according to their own situation。 If used cars are insured against loss of vehicles, it's better to buy self-insurance as well。 And new cars do not need to buy spontaneous combustion insurance, because spontaneous combustion need to do accident identification。

For parking environment is good for the owner, because the car has been parked in a more reliable, safe parking lot, commuting on the way there is no special quiet road, you can consider not to protect illegal rescue。 On the other hand, if the parking environment is poor, and love the car is a very common, high loss rate of models, it must protect the stolen rescue。 It is recommended that the purchase of insurance: traffic insurance, vehicle loss insurance, third party liability insurance, excluding special insurance and the whole car theft and rescue。

Additional glass risks are important for owners who often drive in areas with poor road conditions。 Many poor road sections will have a lot of small stones, when the car ran over the dust float in the sky, also from time to time there will be fly up small stones to crack the window glass or even hit a hole。 There are also some poor community environment owners can also consider this insurance。 Because when parked vehicles in case of foreign objects attack caused by glass damage, can play the role of glass。

In addition, if the owner is insured low-cost models, then the premium of glass insurance can reach 30 % - 40 % of the price of windshield itself, buy glass insurance is not cost - effective。 If the owner of the insurance is high-grade cars, it is recommended that the insurance " select special terms of the car factory"。 In this way, in the event of an insurance accident, can get more full protection。

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