[ how to buy a car insurance cost - effective ]how to buy a car insurance cost - effective? Are you still fooling around spending money?

   " hello, I am xx 4 s shop renewal Commissioner Xiaoming"

   " oh, what's the matter? " the

   " your car insurance is about to expire, when do you see free to come to the store to talk about renewal"

   " no, already bought in my big aunt"

   Beeping 7. the......

   I believe many car owners will encounter such a problem, in the car insurance expires two or three months ago, someone always call to let you go to 4 s store renewal。 Believe you so exclusive to 4 s shop renewal, mainly want to buy more cost-effective auto insurance。 So what to buy auto insurance, which don't need to buy? How should buy to cost - effective? Today gu ye to tell you about auto insurance。

   Which car insurance must be bought?

   Compulsory insurance

   Whether you want to buy or don't want to buy, must buy, after all, it is mandatory for every car owner must buy insurance。 The car accident caused personal and property damage to the victim ( not including the car personnel and the insured ), the insurance company lost money to the " victim" insurance。

   Third party liability insurance

   Refers to the compensation for third-party losses caused by the accident, the general amount of between 200 million and 1 million, this amount refers to the maximum limit of a compensation cost。 According to gu ye understand, of course, the owner will generally buy 500000。

   the vehicle damage insurance

   Refers to the compensation due to their own reasons or other objective reasons caused by the vehicle ( including their own and other vehicles ) damage to the cost of insurance。 In gu ye view, the car damage insurance is very necessary to buy, after all, the car ran on the road, cut Ceng, collision is inevitable。 Remember, however, that damage to tires, exterior mirrors, and individual glass is not compensable。

   Pirate rescue

   The car was stolen or robbed, three months after the police filing also can't find back, the insurance company will compensate you for the money。 But it will compensate you on that basi of a depreciation rate and an absolute deductible of 20 %。 That is to say, your car 500,000, the car was robbed the next day, the insurance company compensate you up to 400,000。

   In addition to the above car insurance must buy, there are a lot of car insurance options。 But in gu ye's view, the car insurance is mainly based on their own actual situation to choose。 These auto insurance including non-loss insurance, scratch insurance, glass breakage risk alone, self - combustion, driver passenger insurance, water-related insurance, etc., here gu ye don't do one by one, need friends to learn more about it。

   Custom insurance is cost-effective according to your situation

   Custom 1: new car, economy car, short driving life

   Because of the shorter driving life, it is recommended to choose a higher third party liability insurance, as well as driver passenger insurance。 As for insurance such as self-insurance can not need to buy。

   Custom 2: used car, economy car, long driving life

   This kind of situation believes that driving technology is higher, can choose a lower third party liability insurance, and self-combustion insurance。 Scratch risk is not to buy, really is not cost - effective。

   Custom 3: new car, medium and high-end car, short driving life

   In addition to should buy a higher third party liability insurance, driver passenger insurance, also can buy scratch insurance, glass breakage insurance alone, after all, compared to their own spending paint, change glass, risk may be more economic。

   Custom 4: used car, medium and high-end car, long driving life

   This kind of situation can choose lower third party liability insurance, driver passenger insurance, plus scratch insurance, self-combustion insurance and other insurance, the car has a higher protection。

   Gu ye listed four kinds of customization in the above, of course, there are a lot of customization scheme, here is not one by one。 The criteria for the formulation of the programme are nothing more than whether there is adequate protection and whether it is more economical to go out of danger。 According to such guidelines to develop what to buy insurance, let oneself get the most cost-effective protection。



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