How to buy car insurance to make your car safer ( figure )

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( data picture )

���� Select a qualified vendor

���� After buying a new car, the owner can get insurance through many channels�� Common channels, one is through the car dealers on insurance, the second is the owner of the direct choice of insurance companies��

���� Now many car sales point has a car license and insurance agency, the owner as long as pay a certain agent fee can be through them to give new car insurance�� Although it is easy to choose the car dealer agency insurance, but also should pay attention to several problems��

���� First, must see whether the car dealers have insurance agency qualification�� If not, it is best not to let them agent, in order to avoid trouble or cheated��

���� Two, to consult the agent clear vehicle insurance have what kind of insurance, what kind of insurance, insurance premium is how much�� The owner Mr Wei had suffered such a loss�� A few years ago, Mr Wei bought a Jetta, was looking for insurance agent�� The agent told Mr Wei that he had been insured�� But it wasn't a month before the car was stolen�� Mr Wei found the insurance policy, did not steal rescue�� Mr Wei can only think of himself as unlucky�� So, when choosing the agent insurance, be sure to tell the agent their own requirements��

���� Two main risks must be taken

���� When choosing the vehicle insurance, it is recommended that the two main risks must be on�� One is the car damage insurance, the second is a third party liability insurance�� These two kinds of insurance are the basic guarantee that the owner can get compensation for the loss of people and cars after the accident��

���� In addition, there are two additional risks suggested that the owner had better�� One is theft and rescue, the other is not exempt from compensation insurance�� Theft and rescue can ensure that once the vehicle is stolen or robbed, the owner of the loss can be compensated�� Now the insurance clauses of the insurance company have a free odds, the owner in the accident bear full responsibility, the insurance company shall be exempt from 20 %, the main responsibility of 15 %, the same responsibility of 10 %, the secondary responsibility of 5 %�� In order to minimize their own financial compensation, the owners had better spend more than 100 yuan to buy a non-compensable insurance, so that no matter how much responsibility the owners bear in the accident, the insurance company will pay all the premiums to the owners��

���� The higher the premium is not, the better

���� Some car owners worry about driving in case of an accident, to bear heavy financial compensation, when the insurance will choose high premium�� But the risk rate of the vehicle is actually very low, a considerable part of the owners or spent " money"��

���� In view of this, it is recommended that owners do not blindly over - insure, according to the actual price of their own cars to be insured�� New car insurance, according to the new car's actual price + purchase surcharge + the sum of interior decoration costs, to determine which gear of the premium�� Take a car with an actual price of 120,000 yuan as an example, the purchase surcharge to be paid is assumed to be 10,000 yuan, and the owner of the car used 1. 50 thousand yuan, so, when choosing the insured gear, to 14. Fifty thousand yuan for the subject matter insured�� In the case of old cars, it is recommended to inquire about the old car market or the internet, and to insure the car according to the actual market value��

���� See the restrictive provisions

���� There are often restrictive provisions in some insurance clauses�� The applicant should see these rules, so as not to cause trouble after the accident��

���� For example, for the problem of repair, the insurance companies will have such rules: the owner to the name of the designated specialized factory to repair�� At this time, the car is mainly pay special attention to, the insurance company designated repair shop is your model specialized factory�� Some owners often encounter such problems when claiming: the owner repaired the car in their own specialized factory, and then take a receipt to the insurance company claim, the result is that the insurance company to determine the car damage and repair costs vary greatly, then there will be a dispute in the claim��

���� Don't forget to ask for the terms

���� When Mr Lin went to the insurance company this year to insure his car, he found that the insurance contract had changed a lot from before�� Previous policies had contracts on the front and insurance clauses on the back�� The policies and terms are now separate�� When signing the insurance contract, the salesman only gave Mr Lin a contract, no insurance clauses�� When Mr Lin started signing the contract, he didn't find it. when he got home, he found that only the insurance policy had no insurance clauses��


���� Experts particularly stressed that the terms of the content, should require the insurance company to make a clear explanation, and the interpretation of the content of the text as an annex to the contract, become an important basis for the performance of the contract and the settlement of disputes�� ( late heald )

���� After you buy a new car, in addition to license the new car, buy insurance is also a very important thing�� Some owners lack of insurance knowledge often encounter such contradictions: out of danger, sometimes the insurance is not enough compensation; Not out of danger, buy so many insurance and feel quite discretion��

���� Today, the auto version of the " PICC insurance class" officially opened�� How to choose auto insurance, how to buy insurance according to their actual situation, what kind of insurance needs to be insured, what difficulties encountered in the purchase of auto insurance, how to obtain claims after the insurance and other issues, you can call the hotline 13850772707, 1379247770, we will ask the relevant experts to answer one by one��

汽车保险如何买 才让爱车更保险(图)
( data picture )

   Select a qualified vendor

   After buying a new car, the owner can get insurance through many channels。 Common channels, one is through the car dealers on insurance, the second is the owner of the direct choice of insurance companies。

   Now many car sales point has a car license and insurance agency, the owner as long as pay a certain agent fee can be through them to give new car insurance。 Although it is easy to choose the car dealer agency insurance, but also should pay attention to several problems。

   First, must see whether the car dealers have insurance agency qualification。 If not, it is best not to let them agent, in order to avoid trouble or cheated。

   Two, to consult the agent clear vehicle insurance have what kind of insurance, what kind of insurance, insurance premium is how much。 The owner Mr Wei had suffered such a loss。 A few years ago, Mr Wei bought a Jetta, was looking for insurance agent。 The agent told Mr Wei that he had been insured。 But it wasn't a month before the car was stolen。 Mr Wei found the insurance policy, did not steal rescue! Mr Wei can only think of himself as unlucky。 So, when choosing the agent insurance, be sure to tell the agent their own requirements。

   Two main risks must be taken

   When choosing the vehicle insurance, it is recommended that the two main risks must be on。 One is the car damage insurance, the second is a third party liability insurance。 These two kinds of insurance are the basic guarantee that the owner can get compensation for the loss of people and cars after the accident。

   In addition, there are two additional risks suggested that the owner had better。 One is theft and rescue, the other is not exempt from compensation insurance。 Theft and rescue can ensure that once the vehicle is stolen or robbed, the owner of the loss can be compensated。 Now the insurance clauses of the insurance company have a free odds, the owner in the accident bear full responsibility, the insurance company shall be exempt from 20 %, the main responsibility of 15 %, the same responsibility of 10 %, the secondary responsibility of 5 %。 In order to minimize their own financial compensation, the owners had better spend more than 100 yuan to buy a non-compensable insurance, so that no matter how much responsibility the owners bear in the accident, the insurance company will pay all the premiums to the owners。

   The higher the premium is not, the better

   Some car owners worry about driving in case of an accident, to bear heavy financial compensation, when the insurance will choose high premium。 But the risk rate of the vehicle is actually very low, a considerable part of the owners or spent " money"。

   In view of this, it is recommended that owners do not blindly over - insure, according to the actual price of their own cars to be insured。 New car insurance, according to the new car's actual price + purchase surcharge + the sum of interior decoration costs, to determine which gear of the premium。 Take a car with an actual price of 120,000 yuan as an example, the purchase surcharge to be paid is assumed to be 10,000 yuan, and the owner of the car used 1. 50 thousand yuan, so, when choosing the insured gear, to 14. Fifty thousand yuan for the subject matter insured。 In the case of old cars, it is recommended to inquire about the old car market or the internet, and to insure the car according to the actual market value。

   See the restrictive provisions

   There are often restrictive provisions in some insurance clauses。 The applicant should see these rules, so as not to cause trouble after the accident。

   For example, for the problem of repair, the insurance companies will have such rules: the owner to the name of the designated specialized factory to repair。 At this time, the car is mainly pay special attention to, the insurance company designated repair shop is your model specialized factory。 Some owners often encounter such problems when claiming: the owner repaired the car in their own specialized factory, and then take a receipt to the insurance company claim, the result is that the insurance company to determine the car damage and repair costs vary greatly, then there will be a dispute in the claim。

   Don't forget to ask for the terms

   When Mr Lin went to the insurance company this year to insure his car, he found that the insurance contract had changed a lot from before。 Previous policies had contracts on the front and insurance clauses on the back。 The policies and terms are now separate。 When signing the insurance contract, the salesman only gave Mr Lin a contract, no insurance clauses。 When Mr Lin started signing the contract, he didn't find it. when he got home, he found that only the insurance policy had no insurance clauses。


   Experts particularly stressed that the terms of the content, should require the insurance company to make a clear explanation, and the interpretation of the content of the text as an annex to the contract, become an important basis for the performance of the contract and the settlement of disputes。 ( late heald )

   After you buy a new car, in addition to license the new car, buy insurance is also a very important thing。 Some owners lack of insurance knowledge often encounter such contradictions: out of danger, sometimes the insurance is not enough compensation; Not out of danger, buy so many insurance and feel quite discretion。

   Today, the auto version of the " PICC insurance class" officially opened。 How to choose auto insurance, how to buy insurance according to their actual situation, what kind of insurance needs to be insured, what difficulties encountered in the purchase of auto insurance, how to obtain claims after the insurance and other issues, you can call the hotline 13850772707, 1379247770, we will ask the relevant experts to answer one by one。


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