[ how to buy cost-effective car insurance ][ how to buy the most cost-effective car insurance ] 2.0 1. 7. how to buy the most cost-effective car insurance

Compulsory insurance only pay the third party in the accident ( the injured party ), the highest compensation of 1 10 thousand yuan of casualties, 10 thousand yuan of hospitalization, property losses of 2000 yuan�� But the car accident caused by death compensation should be in more than 6.00,000, hospital medical expenses is far from enough�� And, their own car damage or stolen to bear�� Therefore, the risk of this collocation is great�� Here is jy 1 3. 5. small collection of 2017 car insurance how to buy the most cost - effective, welcome to read��

1, the first is to buy compulsory insurance

Compulsory insurance is stipulated by the state, all motor vehicles must buy�� But many owners have some mistakes in compulsory insurance, they think that as long as the purchase of compulsory insurance, once the traffic accident, you can all to the insurance company to be responsible for�� In fact, this is not the case, the compulsory liability insurance mainly for the insured vehicle in the occurrence of traffic accidents is caused by the loss of property, casualties, compensation within the liability limit, but does not include the car personnel and the insured��

2, followed by the purchase of three basic business risks

Three basic commercial insurance is the so-called car damage insurance, third party liability insurance, car personnel liability insurance��

( 1 ) car damage insurance

More than beginners, in the process of driving, there will inevitably be some small scratch, so need to buy a car damage insurance�� Car damage insurance mainly refers to the insured vehicle in the event of an insurance accident, resulting in damage to the vehicle, the insurance company will give compensation within a reasonable range�� However, it is important to note that the car damage insurance does not include theft, robbery, wheel damage alone, etc., so, not all traffic accidents can be paid after the occurrence of��

( 2 ) the car personnel liability insurance

Responsible for the compensation of insurance vehicle traffic accidents caused by the car casualties�� The amount of this insurance is also chosen by the owner�� From the current underwriting situation, the insured amount of each seat to 10000 ~ 50000 yuan in the majority, the number of drivers and passengers insured generally does not exceed the approved number of seats of insurance vehicles��

( 3 ) third party liability insurance

The so-called third party liability insurance is the insurance vehicle accident caused by the above people, property losses, shall be responsible for by the insured in accordance with the law, by the insurance company to compensate��

At present, the amount of compensation provided by the insurance company for third party liability insurance is mainly 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan��

1. economy

Compulsory insurance + commercial three liability insurance ( 500 thousand yuan ) + car damage insurance + non - compensable��

About 15 % of owners choose this type of combination�� It is suitable for vehicle owners who use the vehicle for a long time and who are skilled in driving and willing to bear most of the risks on their own��

2. comprehensive type

Compulsory traffic insurance + commercial three liability insurance ( 1 million yuan ) + car damage insurance + car personnel liability insurance + night rescue + glass broken risk alone + excluding special free compensation + body scratch loss insurance��

About 20 % of owners choose this type of combination�� Suitable for novice new car owners and owners in need of comprehensive protection��

3. conventional type

Compulsory traffic insurance + commercial three liability insurance ( 500 thousand yuan ) + car damage insurance + car personnel liability insurance + illegal rescue + excluding special compensation��

About 60 per cent of vehicle owners chose such a combination�� Suitable for vehicles parked in parking places with long-term fixed personnel guards, and also suitable for owners who have certain driving age and are willing to bear part of the risk��

4.. risk type

Only pay insurance�� Compulsory insurance only pay the third party in the accident ( the injured party ), the highest compensation of 110 thousand yuan of casualties, 10 thousand yuan of hospitalization, property losses of 2000 yuan�� But the car accident caused by death compensation should be in more than 600,000, hospital medical expenses is far from enough�� And, their own car damage or stolen to bear�� Therefore, the risk of this collocation is great��

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