How to buy insurance？ The professor teaches you the right way to buy insurance
Recently, many friends are confused, their car insurance will expire, but I don't know what to buy insurance is useful。 Indeed, insurance will not buy is a waste of behavior, and some owners of this understanding is not enough, also affect the accident after all kinds of trouble。
Change of insurance premium
From may 1, 2015, the insurance companies nationwide will implement the new vehicle insurance rate policy, out of the insurance premium of 2 times 25 %, 3 times 50 %, 4 times 75 %, 5 times the premium doubled！
In short, the number of times out of the insurance is reduced every year, that is to say, before a year can be out of the insurance three times and the insurance premium is the same thing has passed, anyway, is to be able to make fewer times out of the insurance, insurance is more pit。
Type of insurance
Compulsory insurance
Must buy this has nothing to ask, 6 the following 950 yuan a year, more than 6 1100 yuan, don't buy have to buckle car, fined 2 times the insurance premium, commercial insurance you can not buy, but the compulsory insurance must buy。
Car damage insurance
Car damage insurance refers to the insured or its permitted driver in driving an insurance vehicle insurance accident, resulting in damage to the insurance vehicle, the insurance company to compensate within a reasonable range。
Simply put, what happens to your car collision is on this insurance, suggest buying。
Third party liability insurance
This insurance refers to the accident, causing other people except the driver and passengers of the car casualties or property damage directly, by the insurance company in accordance with the provisions of compensation。 Simply put, is the guarantor, driving the most afraid of hit people, generally divided into 5, 10, 15, 20, 30, 50, 1 million seven grades。
It is strongly recommended to buy, hit people is not tens of thousands of pieces can solve the problem。
Non - compensable risk
Refers to the vehicle loss insurance or third party liability insurance accident caused by compensation, corresponding to the insured bear the amount of free compensation ( 20 % ), by the insurance company is responsible for compensation, can buy or not to buy。
Scratch risk
For beginners, it is recommended to buy, because beginners have a high probability of rubbing against the car, hit the wall to shame, in addition to parking technology is not good to be scraped, stones scratched the door of the case is numerous。
Can buy not to buy, also depends on the actual situation of the driver, novice suggests buying。
Self - combustion risk
Professor believes that the use is not big, in the warranty period of spontaneous combustion manufacturers will have the responsibility, and then to car damage insurance is included in this range, the actual use is not big。
Seat insurance
Actually contrary to the third party liability insurance, seat insurance is to protect the personnel in the car, in general, there are drivers ( 1 ) and passengers ( 4 seats ) two options, or depends on their own driving technology decision。
Water - related risk
Don't understand that flooding street will pay you, of course not。 This is only payable if the engine is flooded due to wading while driving。 So, unless you usually like to open in a puddle you buy it, general professor is not to buy。
Pirate rescue
If your car has been parked in a formal place, or stop indoor can choose not to buy, of course, if your car belongs to those who steal hot car, do it。
Glass breakage risk alone
This insurance is mixed, some people think that there is no need, the key here is " alone", in fact, this kind of situation is not common。 The professor personally suggests not buying。 If it is other accident caused by broken glass, in fact, there is compensation in the car damage insurance。
Misunderstanding of insurance purchase
Under / over - insured
These two kinds of behavior is not good, actually need to look at the actual situation of his car, can't tens of thousands of cars to buy high insurance, hundreds of thousands of cars to buy low insurance, this is not reasonable。
Repeat purchase insurance
Car insurance different life insurance, some people may think that more than a few can get more compensation, this view is clearly wrong, enough is good。
The purchase of insurance is uneven
Car insurance is divided into a lot of insurance, so in the selection of insurance should be based on their actual situation, neither to save money less insurance, also have to add analysis, don't know how to choose, also can consult with friends or industry experts in this way to make a decision。
Not renewed on time
The insurance period of automobile insurance is generally one year, if an insurance accident occurs within one year after the insurance, it can be claimed by the insurance company; If there is no insurance accident is equal to spend money to protect peace, the second year in the original insurance company renewal can also enjoy a discount, but remember not to break, the occurrence of accidents are often very coincidence。
Buy insurance a preventive behavior, once taught a friend had a car accident during the break, loss。
Buy insurance summary
1, the best choice to buy a new car " full insurance"。
2, old car according to their actual situation。
3, if often manned had better buy seat insurance。
4. the most basic insurance combination method: compulsory insurance + vehicle damage insurance + third party insurance + non - compensation, and other additional insurance types shall be selected according to their actual situation。
Purchase of insurance
1, 4 s shop to buy, general new car in the first year will be forced to buy in 4 s shop, also more convenient, generally is to buy full insurance, the second year can also choose to continue to protect。
2, telephone purchase, the price of electric car insurance saved agency fees, the price is the lowest price of social car insurance to reduce 15 %。
3, choose intermediary agent, at present most of the owners choose this method。
4, in addition, at present some app can provide the function of purchasing insurance, you can try。
Whether you love your car or are in a hurry to buy a car, it is recommended that you add the professor's public number:
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