How to buy the most cost-effective auto insurance knowledge
The variety of auto insurance is full of beautiful things in eyes, chaos multifarious, car owners think of choosing suitable for their own auto insurance package is very difficult�� As the saying goes, money should be used on the blade, buy inappropriate auto insurance, not only cause waste will also bring great losses to their own interests�� Therefore, How to buy the most cost-effective auto insurance Has become a lot of car owners most concerned about the topic, small editor will bring you today Automobile insurance Knowledge, hope to help friends who need to buy auto insurance��
First of all, let's learn about automobile insurance��
1, the vehicle damage insurance
2, Third party liability insurance
3, the driver passenger accident injury insurance ( i.e., the car liability insurance )
4, spontaneous combustion loss insurance
5, excluding special insurance
6. risk of separate breakage of windshield
7, the whole car stolen rescue
8. newly increased equipment loss insurance
9, no fault liability insurance
Responsible for compensation for the loss of the vehicle itself caused by natural disasters or accidents�� This is the most important type of insurance in automobile insurance�� If you don't protect the insurance, after the collision of vehicles repair insurance company is not responsible for compensation, all have to pay by yourself�� Slight collision doesn't matter, can't spend much money; Out of the big accident repair cost is much, I'm afraid it will be far more than the premium; Car crashed scrapped miserably, more than ten thousand yuan of money�� Spend thousands of dollars premium insurance this insurance, after the vehicle no matter minor accidents or major accidents, most of the loss by the insurance company to compensate�� Even if the car crashed and scrapped, you can also use the insurance company's compensation to buy another car�� Thousands of dollars can buy a peace of mind�� So, if you care about your car, take out a loss of vehicle insurance��
Some cars may be considered uninsured for loss of vehicles�� Such as fast scrap broken car, repair cost is very cheap, crashed after repair also can't spend much money�� If you want to insure against non-compensable liability insurance, you must insure against loss of vehicle insurance�� Because it is the latter's additional insurance, must be insured after the vehicle loss insurance to cover non-compensable liability insurance��
Responsible for compensation for the vehicle accident caused by the loss of personal and property of others ( i.e., a third party )��
Third party liability insurance is the most valuable insurance, but also the provisions of the state will protect the project�� When driving the most afraid of is the crash or hit people, his car is not affected by the loss, but also spend a lot of money to compensate for the loss of others�� Especially hit people is the most terrible, once the people crashed or killed, I'm afraid the car sold are not enough to compensate�� Insured after the insurance is not afraid of, compensate to others most of the money paid by the insurance company�� The insurance premium is very cheap, only $ 800 or $ 1040, but the maximum compensation can be up to $ 50,000 or $ 100,000��
Third party liability insurance is compulsory insurance by the state�� Many people fled after the traffic accident is afraid of losing money, afraid of losing money is not insured third party liability insurance, insurance companies, money can only be made by yourself�� Insured the insurance is not afraid of losing money, after the accident also don't have to run away�� Compulsory third-party liability insurance is of great benefit to those who do not have a strong sense of insurance�� Therefore, third party liability insurance must be insured��
Due to traffic accidents caused by the driver, passenger casualties, by the driver passenger accident injury insurance to compensate for the losses�� The car is priceless, so it is necessary to insure the driver's passengers�� If you have been insured by the unit group personal accident insurance or in personal life insurance in personal accident insurance, you can also not cover this insurance��
This is a new type of insurance added in 1997. it compensates for the damage caused to the vehicle due to the failure of the vehicle's electrical appliances, wiring, oil supply system, or the burning of the goods due to their own reasons�� The value of this insurance is not very big, but the rate is not low ( 0. 4 % )�� In reality, the occurrence of vehicle spontaneous combustion accident is very few, more than 100 thousand yuan, high-grade car spontaneous combustion is less�� In addition, if the vehicle spontaneous combustion is related to quality, the manufacturer is liable for compensation�� So don't recommend this insurance to you��
This is a very good insurance only in 1997�� Its value is reflected in: do not protect this insurance, the insurance company in the compensation of car damage insurance and third party liability insurance within the scope of the loss is to distinguish responsibility: if you bear full responsibility, compensation for 80 %; Bear the main responsibility to compensate 85 %; Bear the same responsibility to compensate 90 %; 95 % for secondary liability�� The other 20 %, 15 %, 10 %, 5 % of the accident loss requires your own money�� If this insurance is covered, your loss insurance company will pay 100 % compensation regardless of your liability in the event of an accident�� So the insurance is commonly known as " 100 % compensation insurance"��
100 % payment is very important, on the one hand, into the insurance after you generally don't have to spend money, all the money by the insurance company to compensate�� - what is the purpose of insurance�� Is not out of danger after all the money by the insurance company to compensate�� If you want to spend money, that what's the point�� On the other hand, 100 per cent of the payments are good for dealing with traffic accidents�� People always try very hard to absolve themselves of responsibility after a traffic accident because it makes them lose less money�� If 100 % pay, you don't have to care too much about responsibility ( anyway, all the money by the insurance company to compensate ), make the accident easier to solve, this can save your time�� Third, 100 per cent payment is good for insurance accident claims�� If it is not 100 % compensation, fixed loss of high and low related to your interests: fixed loss of high your own money more, fixed loss of low your own money less�� So it is necessary to fight for loss, although very demanding�� 100 % pay when you don't have to contend for, anyway, all the money by the insurance company to compensate, as long as the car repaired�� Therefore, regardless of the non-compensable liability insurance, absolute value for money��
If the insurance coverage, the vehicle in the parking or use process, the other part of the damage, only the windshield broken alone, windshield loss compensation by the insurance company��
If your car is not very high grade, the value of the wind gear insurance is not very high�� The reason is that the rate is too high: the rate for domestic cars is 0. 15 %, imported cars for 0. 25 % ( previously more expensive, 0. 2 % and 0. 5 % )�� For example, a Santana worth 120,000 yuan, the wind file insurance premium is 180 yuan, but in a front wind file is only 300 yuan�� Therefore, for the general family car, wind glass insurance can be used as an optional insurance��
Be responsible for the compensation of insurance vehicles due to theft, robbery, robbery caused by the loss of all vehicles, and during the loss caused by vehicle damage or vehicle parts and accessories lost�� 80 % of the actual value of the vehicle can be recovered from the insurance company after the loss of the vehicle�� At present, there are a lot of cars lost in the society, for the safety of your vehicle, theft and rescue as far as possible to be insured, private cars must be insured�� Some cars are rarely lost, stolen rescue is not necessarily inevitable�� This includes: trucks; Taxi; All kinds of old cars that are about to be scrapped��
When you install air conditioning, CD audio, anti-theft device for the vehicle, leather seat Such as not the vehicle factory with equipment, can consider the new increase in equipment loss insurance�� After the insurance, the insurance company can compensate the equipment when it is damaged due to the accident�� These devices are usually installed in the car, accident rarely can be hit�� Therefore, the value of the insurance is not big��
After the collision or car, the insurance vehicle party no fault, should not bear the liability for compensation, but for some reason, the actual has paid the other party and can not recover the cost, by the insurance company is responsible for compensation�� But each time there are 20 % free odds, that is, up to 80 %�� The practical significance of the general family car insurance is not great��
How to buy the new car insurance, I don't want to buy a full insurance, theft and rescue what's the use of ah, recently to our question is too many people, small make up to tell you��
Popular into you to buy a new car insurance, just need to buy four basic insurance, then I put all the items say it out to everyone��
Compulsory insurance And, vehicleand vessel use tax , third party liability insurance, driver passenger seat insurance, excluding free compensation, car damage insurance, basically this a few, the different form above may it order is not the same, the insurance is the same anyway��
That each explain to you, compulsory insurance and travel tax anyway is you must pay, you also can't escape��
Car damage insurance is more important, if your car crashed, is to use this to pay��
Third party liability insurance can be said to be the most worth buying an insurance, when you are full responsibility, you hurt people, crashed someone else's car, the other party to produce medical expenses or maintenance costs, all by your third party liability insurance to pay, in the case of affordable to buy the highest, generally want to buy 500,000 to 1 million��
Then I'll say, regardless of the free to compensate this is welfare insurance, you say I this 1000 pieces and then compensate to 800 dollars, 200 pieces of where to go, free to compensate, add this thing 1000 is 1000, very important��
So if some people want to sell want to earn your money, want to buy a stolen rescue, if the car was stolen, the recent security is not very good��
Don't listen to somebody else blind fool, the whole car stolen rescue is its original name, to the whole car is gone, and then will compensate you for your money��
Window smashed, bag away, less a tire, all is not compensate, steal rescue unless you want to do mortgage loans, generally really don't need to buy��
What scratch risk also does not have much meaning, glass risk I also is not particularly recommended, unless you often run high speed or the ground of the flying sand stone is too much, so you can also consider to buy a, for more than 95 % of our friends in ordinary cities instead of walking, four basic risk is really enough��
A third party can protect 1 million is 1 million, the difference is not a few hundred dollars, but really in the key time, the insurance can reflect its true meaning�� Original address: http: / / www. Pika cn. Com / news / 20153 / 2430. Html
The car crashed, that's a big deal I don't want, ok, but if the somebody else's car crashed or hurt people, but you want to compensate to the end��
New car insurance is naturally to be complete, but should not be too blind�� According to their actual situation to choose the right insurance�� In general, self-insurance does not require purchase��
As for the rescue, if the vehicle is mainly to work instead of walking, and housing and the company has a special garage parking vehicles, vehicles are generally not parked in unattended places, the possibility of vehicle theft is low, you can consider not to buy this insurance�� Sometimes buy one Steering wheel Lock or GPS positioning service or two-way anti-theft device is more effective than theft and rescue�� For some of the higher value of high-grade models or new cars, if the anti-theft awareness is not too strong, or buy stolen rescue is safe��
Scratch insurance can be purchased according to their own situation, if the new car itself for medium and advanced models, paint maintenance costs are relatively high, you can consider buying�� As for the economic model, its value is not high, even a new car, there is no need to buy this kind of insurance��
Recommended new car to buy the best mix of insurance: compulsory insurance + third party liability insurance + vehicle loss insurance + excluding odds + excluding deductible + theft rescue, according to the appropriate circumstances whether to add body scratch insurance
Anyway, travel safe, healthy, happy, this is the pursuit of our car life, is also the goal of our happiness��
First of all, the compulsory insurance must be bought, no matter how the second year insurance trade - off, this is compulsory purchase by the state�� In fact, it is also the most basic protection for everyone�� Compulsory insurance in the first year of the basic cost of 950 yuan, the cost of the second year and the first year out of the insurance situation linked, the first year did not go out of the insurance, down 10 %; Not out of danger for two years, down 20 %; Not out of danger for three years, down 30 %�� In turn, the first year of two or more responsible traffic accidents, the floating 15 %; Responsible for the death of the accident, the highest rise of 30 %��
Second, it is recommended to buy the car damage insurance and third party insurance, both of which are the main risks in commercial insurance, providing the most basic protection for the car and people�� So whether or not there was a risk last year, the two types of insurance are necessary to buy��
Finally, purchase additional risks as appropriate�� In general, the most commonly purchased additional risks include glass breakage, scratch, theft and rescue, non - loss, on-board liability insurance and other types of insurance�� The value of a new car or car is higher, usually on these types of insurance��
Consumers in the purchase of second-hand car insurance, in addition to compulsory insurance, the other can choose voluntarily�� A lot of people will feel that using the money of a new car to protect a second-hand car is not worth it�� But if the car accident, car damage insurance is also according to the price of your new car to settle claims��
The second-hand car insurance should be paid attention to according to the actual situation of insurance�� If you are a skilled driver, you only need to buy important insurance such as vehicle loss insurance, non-compensable special insurance and third party liability insurance�� It also saves owners a lot of money�� In general, old cars with claims records tend to have higher premiums than old cars without claims records�� This is because for undocumented vehicles, the insurance company often has a certain percentage of the benefits at the time of insurance coverage or renewal��
Second - hand car insurance scheme 1: one main insurance + one additional insurance: third party liability insurance + vehicle personnel liability insurance�� For ordinary car owners, once the traffic accident caused the death of others, the cost of compensation for casualties is undoubtedly a huge expense�� If the owner insured a third party liability insurance, then for the loss caused by a third party has a certain protection��
In addition, if the driver in the traffic accident of the main responsibility, also must be responsible for the passengers in the car, so the car personnel liability insurance is indispensable�� Third party liability insurance + car personnel liability insurance insurance scheme is undoubtedly the cheapest, but is the strength is not enough��
Second used car insurance plan: two main risks + two additional insurance coverage: vehicle loss insurance + third party liability insurance + on-board personnel liability insurance + no - fault liability insurance vehicle loss insurance and third party liability insurance include some basic insurance coverage, for vehicle losses and losses caused to third parties have certain protection, and the cost is moderate, the two insurance is the most basic�� No - fault liability insurance is a supplement to the third party liability insurance, we hit across the road on the highway, if the purchase of the insurance, the victim's rescue costs, funeral expenses, etc. can be paid by the insurance company��
Conclusion To sum up, it is " safety first, security first, economy foremost"�� ", the purchase of auto insurance seems to be a very troublesome thing, but as long as careful consideration, understand the characteristics of each car insurance, it becomes much simpler�� Small editor that car owners in the purchase of insurance can not only pay attention to the price, should be combined with their own situation in a variety of comprehensive consideration, only in this way can be selected to really suitable for their own car insurance��
The variety of auto insurance is full of beautiful things in eyes, chaos multifarious, car owners think of choosing suitable for their own auto insurance package is very difficult。 As the saying goes, money should be used on the blade, buy inappropriate auto insurance, not only cause waste will also bring great losses to their own interests。 Therefore, How to buy the most cost-effective auto insurance Has become a lot of car owners most concerned about the topic, small editor will bring you today Automobile insurance Knowledge, hope to help friends who need to buy auto insurance。
First of all, let's learn about automobile insurance。
1, the vehicle damage insurance
2, Third party liability insurance
3, the driver passenger accident injury insurance ( i.e., the car liability insurance )
4, spontaneous combustion loss insurance
5, excluding special insurance
6. risk of separate breakage of windshield
7, the whole car stolen rescue
8. newly increased equipment loss insurance
9, no fault liability insurance
Responsible for compensation for the loss of the vehicle itself caused by natural disasters or accidents。 This is the most important type of insurance in automobile insurance。 If you don't protect the insurance, after the collision of vehicles repair insurance company is not responsible for compensation, all have to pay by yourself。 Slight collision doesn't matter, can't spend much money; Out of the big accident repair cost is much, I'm afraid it will be far more than the premium; Car crashed scrapped miserably, more than ten thousand yuan of money。 Spend thousands of dollars premium insurance this insurance, after the vehicle no matter minor accidents or major accidents, most of the loss by the insurance company to compensate。 Even if the car crashed and scrapped, you can also use the insurance company's compensation to buy another car。 Thousands of dollars can buy a peace of mind。 So, if you care about your car, take out a loss of vehicle insurance。
Some cars may be considered uninsured for loss of vehicles。 Such as fast scrap broken car, repair cost is very cheap, crashed after repair also can't spend much money。 If you want to insure against non-compensable liability insurance, you must insure against loss of vehicle insurance。 Because it is the latter's additional insurance, must be insured after the vehicle loss insurance to cover non-compensable liability insurance。
Responsible for compensation for the vehicle accident caused by the loss of personal and property of others ( i.e., a third party )。
Third party liability insurance is the most valuable insurance, but also the provisions of the state will protect the project。 When driving the most afraid of is the crash or hit people, his car is not affected by the loss, but also spend a lot of money to compensate for the loss of others。 Especially hit people is the most terrible, once the people crashed or killed, I'm afraid the car sold are not enough to compensate。 Insured after the insurance is not afraid of, compensate to others most of the money paid by the insurance company。 The insurance premium is very cheap, only $ 800 or $ 1040, but the maximum compensation can be up to $ 50,000 or $ 100,000。
Third party liability insurance is compulsory insurance by the state。 Many people fled after the traffic accident is afraid of losing money, afraid of losing money is not insured third party liability insurance, insurance companies, money can only be made by yourself。 Insured the insurance is not afraid of losing money, after the accident also don't have to run away。 Compulsory third-party liability insurance is of great benefit to those who do not have a strong sense of insurance。 Therefore, third party liability insurance must be insured。
Due to traffic accidents caused by the driver, passenger casualties, by the driver passenger accident injury insurance to compensate for the losses。 The car is priceless, so it is necessary to insure the driver's passengers。 If you have been insured by the unit group personal accident insurance or in personal life insurance in personal accident insurance, you can also not cover this insurance。
This is a new type of insurance added in 1997. it compensates for the damage caused to the vehicle due to the failure of the vehicle's electrical appliances, wiring, oil supply system, or the burning of the goods due to their own reasons。 The value of this insurance is not very big, but the rate is not low ( 0. 4 % )。 In reality, the occurrence of vehicle spontaneous combustion accident is very few, more than 100 thousand yuan, high-grade car spontaneous combustion is less。 In addition, if the vehicle spontaneous combustion is related to quality, the manufacturer is liable for compensation。 So don't recommend this insurance to you。
This is a very good insurance only in 1997。 Its value is reflected in: do not protect this insurance, the insurance company in the compensation of car damage insurance and third party liability insurance within the scope of the loss is to distinguish responsibility: if you bear full responsibility, compensation for 80 %; Bear the main responsibility to compensate 85 %; Bear the same responsibility to compensate 90 %; 95 % for secondary liability。 The other 20 %, 15 %, 10 %, 5 % of the accident loss requires your own money。 If this insurance is covered, your loss insurance company will pay 100 % compensation regardless of your liability in the event of an accident。 So the insurance is commonly known as " 100 % compensation insurance"。
100 % payment is very important, on the one hand, into the insurance after you generally don't have to spend money, all the money by the insurance company to compensate。 - what is the purpose of insurance？ Is not out of danger after all the money by the insurance company to compensate？ If you want to spend money, that what's the point？ On the other hand, 100 per cent of the payments are good for dealing with traffic accidents。 People always try very hard to absolve themselves of responsibility after a traffic accident because it makes them lose less money。 If 100 % pay, you don't have to care too much about responsibility ( anyway, all the money by the insurance company to compensate ), make the accident easier to solve, this can save your time。 Third, 100 per cent payment is good for insurance accident claims。 If it is not 100 % compensation, fixed loss of high and low related to your interests: fixed loss of high your own money more, fixed loss of low your own money less。 So it is necessary to fight for loss, although very demanding。 100 % pay when you don't have to contend for, anyway, all the money by the insurance company to compensate, as long as the car repaired。 Therefore, regardless of the non-compensable liability insurance, absolute value for money。
If the insurance coverage, the vehicle in the parking or use process, the other part of the damage, only the windshield broken alone, windshield loss compensation by the insurance company。
If your car is not very high grade, the value of the wind gear insurance is not very high。 The reason is that the rate is too high: the rate for domestic cars is 0. 15 %, imported cars for 0. 25 % ( previously more expensive, 0. 2 % and 0. 5 % )。 For example, a Santana worth 120,000 yuan, the wind file insurance premium is 180 yuan, but in a front wind file is only 300 yuan。 Therefore, for the general family car, wind glass insurance can be used as an optional insurance。
Be responsible for the compensation of insurance vehicles due to theft, robbery, robbery caused by the loss of all vehicles, and during the loss caused by vehicle damage or vehicle parts and accessories lost。 80 % of the actual value of the vehicle can be recovered from the insurance company after the loss of the vehicle。 At present, there are a lot of cars lost in the society, for the safety of your vehicle, theft and rescue as far as possible to be insured, private cars must be insured。 Some cars are rarely lost, stolen rescue is not necessarily inevitable。 This includes: trucks; Taxi; All kinds of old cars that are about to be scrapped。
When you install air conditioning, CD audio, anti-theft device for the vehicle, leather seat Such as not the vehicle factory with equipment, can consider the new increase in equipment loss insurance。 After the insurance, the insurance company can compensate the equipment when it is damaged due to the accident。 These devices are usually installed in the car, accident rarely can be hit。 Therefore, the value of the insurance is not big。
After the collision or car, the insurance vehicle party no fault, should not bear the liability for compensation, but for some reason, the actual has paid the other party and can not recover the cost, by the insurance company is responsible for compensation。 But each time there are 20 % free odds, that is, up to 80 %。 The practical significance of the general family car insurance is not great。
How to buy the new car insurance, I don't want to buy a full insurance, theft and rescue what's the use of ah, recently to our question is too many people, small make up to tell you。
Popular into you to buy a new car insurance, just need to buy four basic insurance, then I put all the items say it out to everyone。
Compulsory insurance And, vehicleand vessel use tax , third party liability insurance, driver passenger seat insurance, excluding free compensation, car damage insurance, basically this a few, the different form above may it order is not the same, the insurance is the same anyway。
That each explain to you, compulsory insurance and travel tax anyway is you must pay, you also can't escape。
Car damage insurance is more important, if your car crashed, is to use this to pay。
Third party liability insurance can be said to be the most worth buying an insurance, when you are full responsibility, you hurt people, crashed someone else's car, the other party to produce medical expenses or maintenance costs, all by your third party liability insurance to pay, in the case of affordable to buy the highest, generally want to buy 500,000 to 1 million。
Then I'll say, regardless of the free to compensate this is welfare insurance, you say I this 1000 pieces and then compensate to 800 dollars, 200 pieces of where to go, free to compensate, add this thing 1000 is 1000, very important。
So if some people want to sell want to earn your money, want to buy a stolen rescue, if the car was stolen, the recent security is not very good。
Don't listen to somebody else blind fool, the whole car stolen rescue is its original name, to the whole car is gone, and then will compensate you for your money。
Window smashed, bag away, less a tire, all is not compensate, steal rescue unless you want to do mortgage loans, generally really don't need to buy。
What scratch risk also does not have much meaning, glass risk I also is not particularly recommended, unless you often run high speed or the ground of the flying sand stone is too much, so you can also consider to buy a, for more than 95 % of our friends in ordinary cities instead of walking, four basic risk is really enough。
A third party can protect 1 million is 1 million, the difference is not a few hundred dollars, but really in the key time, the insurance can reflect its true meaning。 Original address: http: / / www. Pika cn. Com / news / 20153 / 2430. Html
The car crashed, that's a big deal I don't want, ok, but if the somebody else's car crashed or hurt people, but you want to compensate to the end。
New car insurance is naturally to be complete, but should not be too blind。 According to their actual situation to choose the right insurance。 In general, self-insurance does not require purchase。
As for the rescue, if the vehicle is mainly to work instead of walking, and housing and the company has a special garage parking vehicles, vehicles are generally not parked in unattended places, the possibility of vehicle theft is low, you can consider not to buy this insurance。 Sometimes buy one Steering wheel Lock or GPS positioning service or two-way anti-theft device is more effective than theft and rescue。 For some of the higher value of high-grade models or new cars, if the anti-theft awareness is not too strong, or buy stolen rescue is safe。
Scratch insurance can be purchased according to their own situation, if the new car itself for medium and advanced models, paint maintenance costs are relatively high, you can consider buying。 As for the economic model, its value is not high, even a new car, there is no need to buy this kind of insurance。
Recommended new car to buy the best mix of insurance: compulsory insurance + third party liability insurance + vehicle loss insurance + excluding odds + excluding deductible + theft rescue, according to the appropriate circumstances whether to add body scratch insurance
Anyway, travel safe, healthy, happy, this is the pursuit of our car life, is also the goal of our happiness。
First of all, the compulsory insurance must be bought, no matter how the second year insurance trade - off, this is compulsory purchase by the state。 In fact, it is also the most basic protection for everyone。 Compulsory insurance in the first year of the basic cost of 950 yuan, the cost of the second year and the first year out of the insurance situation linked, the first year did not go out of the insurance, down 10 %; Not out of danger for two years, down 20 %; Not out of danger for three years, down 30 %。 In turn, the first year of two or more responsible traffic accidents, the floating 15 %; Responsible for the death of the accident, the highest rise of 30 %。
Second, it is recommended to buy the car damage insurance and third party insurance, both of which are the main risks in commercial insurance, providing the most basic protection for the car and people。 So whether or not there was a risk last year, the two types of insurance are necessary to buy。
Finally, purchase additional risks as appropriate。 In general, the most commonly purchased additional risks include glass breakage, scratch, theft and rescue, non - loss, on-board liability insurance and other types of insurance。 The value of a new car or car is higher, usually on these types of insurance。
Consumers in the purchase of second-hand car insurance, in addition to compulsory insurance, the other can choose voluntarily。 A lot of people will feel that using the money of a new car to protect a second-hand car is not worth it。 But if the car accident, car damage insurance is also according to the price of your new car to settle claims。
The second-hand car insurance should be paid attention to according to the actual situation of insurance。 If you are a skilled driver, you only need to buy important insurance such as vehicle loss insurance, non-compensable special insurance and third party liability insurance。 It also saves owners a lot of money。 In general, old cars with claims records tend to have higher premiums than old cars without claims records。 This is because for undocumented vehicles, the insurance company often has a certain percentage of the benefits at the time of insurance coverage or renewal。
Second - hand car insurance scheme 1: one main insurance + one additional insurance: third party liability insurance + vehicle personnel liability insurance。 For ordinary car owners, once the traffic accident caused the death of others, the cost of compensation for casualties is undoubtedly a huge expense。 If the owner insured a third party liability insurance, then for the loss caused by a third party has a certain protection。
In addition, if the driver in the traffic accident of the main responsibility, also must be responsible for the passengers in the car, so the car personnel liability insurance is indispensable。 Third party liability insurance + car personnel liability insurance insurance scheme is undoubtedly the cheapest, but is the strength is not enough。
Second used car insurance plan: two main risks + two additional insurance coverage: vehicle loss insurance + third party liability insurance + on-board personnel liability insurance + no - fault liability insurance vehicle loss insurance and third party liability insurance include some basic insurance coverage, for vehicle losses and losses caused to third parties have certain protection, and the cost is moderate, the two insurance is the most basic。 No - fault liability insurance is a supplement to the third party liability insurance, we hit across the road on the highway, if the purchase of the insurance, the victim's rescue costs, funeral expenses, etc. can be paid by the insurance company。
Conclusion To sum up, it is " safety first, security first, economy foremost"。 ", the purchase of auto insurance seems to be a very troublesome thing, but as long as careful consideration, understand the characteristics of each car insurance, it becomes much simpler。 Small editor that car owners in the purchase of insurance can not only pay attention to the price, should be combined with their own situation in a variety of comprehensive consideration, only in this way can be selected to really suitable for their own car insurance。
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