[ how to buy a car insurance cost - effective ]how to buy a car insurance cost - effective？ Don't waste any more money

　　 This after a year, buy a car is really a lot of car friends, these days several car friends have asked the master car insurance purchase problems。 There are many kinds of auto insurance, many consumers bought a lot of insurance, including repeated insurance and unnecessary insurance, 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？ Now let's take a look at it with the master。

　　 Compulsory insurance

　　 This needless to say, the full name of compulsory motor vehicle traffic accident liability insurance, compulsory insurance is our country。 Is all vehicles must be on。 What needs to be made clear is that when a traffic accident occurs, the compensation for compulsory insurance is paid to the injured party, and the amount of compensation is limited。 Total liability limit for compulsory insurance is 1... 2.... $ 20,000。 This is far from enough in the face of some major accidents。

　　 Third party liability insurance

　　 Is mandatory insurance, car annual need。 Refers to the qualified driver in the use of the insured vehicle accident occurred in the process of causing direct loss of property and casualties of a third party。 At the present compensation standard, it is recommended that at least $ 100,000 be bought, preferably $ 200,000 or $ 500,000, especially for beginners or friends who are interested in flying cars and those who are hard-pressed to concentrate on their work., moreover, the price difference between $ 50,000, $ 100,000 and $ 200,000 is not too large., in short, this type of insurance covers a large amount of comfort for themselves。

　　 Car damage insurance

　　 The first two kinds of insurance are used to pay the other party, and the car damage insurance is used to pay the insured person's own。 Including collisions, scratches, water-flooded fires, bruises, losses caused by natural disasters, etc。 Here also want to pay attention to two points: separate parts damage is not compensate, also don't try so hard in this case, naturally add work, separate into multiple parts damage, don't love dearly, the insurance company will help you repair; Modification, loss of vehicle interior and engine damage caused by flooding are not compensable。 So if you are very expensive to modify a buy a new equipment insurance, valuables had better not put in the car, compensate the engine has a special water-related insurance。

　　 Scratch risk

　　 Scratch insurance as the name implies is a scratch after the insurance company claims。 General car don't have to buy, 2000 line scratch insurance premium 400 pieces, 5000 line is 800 pieces。 And out of danger once or twice to 4 s shop repair is 1000 yuan, outside repair is cheap。 And scratch risk superposition limit for many times, also calculate the number of times affect the rate of the second year。 What did the car take？ Change scratch to scratch, which part of the scratch on the skill to wipe off the part, report the car damage insurance payment。 Of course, if you are the owner of the luxury car also not bad this a few money。

　　 Non - compensable

　　 Non - compensable means transferring 20 % of the original owner's liability to the insurance company。 Regardless of the exemption is divided into basic insurance and additional insurance, the former for the car damage insurance, the three basic insurance independent effective; The latter applies uniformly to the additional risks of motor vehicles。 Is when you miss driving crashed into a tree caused 1000 yuan of damage, because it is a unilateral accident, the insurance company normally compensate you only 80 % of the loss, that is, 800 yuan, but if you buy the non-compensable insurance, you can get 1000 yuan 100 % compensation。

　　 Self - combustion risk

　　 During the warranty period, the auto-ignition of the vehicle is the responsibility of the manufacturer's warranty, even if you bought the insurance, it is also a duplicate insurance, it doesn't make sense。 Must I buy it when the warranty expires? Not necessarily。 Suggestions are based on vehicle conditions, generally 4 - 5 years later due to the aging of the line, the use of poor environment can be considered to buy self-combustion insurance。

　　 Pirate rescue

　　 Illegal rescue claims is such, after the car was stolen, the police filing for three months ( have a plenty of two months ) after not recovered, the insurance company to give claims, but pay to calculate depreciation and absolute deductible。 For example, a new 200,000 car was bought and stolen。 Remove depreciation, with more than 190,000, multiplied by 80 %, that is, can only compensate about 160,000。 Thus it seems that with the growth of the age of the car, illegal rescue claims less and less。 Therefore, it is recommended that the first two years of the new car had better buy illegal rescue, illegal rescue from once additional insurance into today's basic insurance can also be seen that it is favored by consumers and insurance companies。

　　 So how to sell auto insurance is the most cost - effective？ The following master to recommend 3.. packages:

　　 Guaranteed package:

　　 Compulsory insurance + third party liability insurance ( recommended 100,000 yuan )

　　 Suitable for the crowd:

　　1. A cautious old driver

　　2. Car owners with less driving frequency and short distance

　　3. Feel luck and car explosion shed owner

　　 Can't appear their own liability accident car body damage is serious, otherwise the loss is big, a risk, the other party can through the compulsory insurance and three risk compensation, but their car loss but no compensation, so don't recommend novice to buy。

　　 Economic package:

　　 Compulsory insurance + three liability insurance ( recommended 200 thousand yuan ) + car damage insurance

　　 Suitable for the crowd:

　　1. A car owner with a certain driving experience

　　2. A vehicle owner, such as an office worker, whose driving route is relatively fixed

　　 Cost - effective, car owners are most concerned about the big risks are guaranteed, the premium is not high。 Practical type of insurance。

　　 Novice package:

　　 Compulsory insurance + three liability insurance ( recommended $ 500,000 ) + car damage insurance + non - compensable

　　 Suitable for the crowd:

　　1. Less driving experience

　　2. Poor parking environment ( easily " countered" )

　　3. Single

　　 The value of insurance is great, but it is worth the money for luxury cars。 You can according to their actual situation to buy auto insurance, no longer spend money。

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