New owners try to buy full-risk car insurance how to buy the most cost - effective？
How to buy a car insurance cost - effective？ General advice new car owners to buy full insurance, don't know the owner of auto insurance at this time will have doubts, full insurance is said to be full insurance, no matter what the situation of the car can compensate？ Next we will give you a detailed introduction about these two knowledge points, hope to help you。
Year 1: full coverage of motor vehicles is not equal to full coverage
" full insurance does not mean full insurance", many owners may not know this truth。 General sense of the total insurance includes 15, 16 insurance, but most of the 4 s shop gives the total insurance includes 8 insurance, respectively for traffic insurance, vehicle loss insurance, excluding non-compensable insurance, third party liability insurance, on-board personnel liability insurance, the whole car theft and rescue, scratch insurance, glass single damage insurance。 In fact, in addition to the compulsory purchase of compulsory insurance, the other seven are optional commercial insurance。
Year 2: no insurance, illegal records can save premium
As a rule, which insurance company to choose in the first year, the second year the insurance company will make a phone call to ask whether to renew。 At present, most insurance companies implement floating car insurance discount, claims record too much and the amount of large car owners, insurance companies will cancel or reduce the preferential margins。 Whether the renewal of auto insurance benefits in addition to the number of previous year, but also related to four factors: 1 . The benchmark fee for the establishment of insurance; 2. . The number of claims in the previous year; 3. . Grade; 4.. Out - of - danger condition of vehicle。 No insurance, illegal records can save premiums, but now the CIRC implementation of networking system, in the last insurance company's number of risks will be recorded。
Year 3: some risks must be covered
" some insurance can save, some province may not。 Professional advice: be sure to buy regardless of the risk of non - loss。 This type of insurance is a combination of car damage and commercial risk。 Not on this risk, the accident, the insurance company will have a certain exemption。 General unilateral accident or bear full responsibility in the accident, oneself also want to bear 20 %。 Whether novice or veteran, in the purchase of car damage and three risks at the same time, it is best to buy。
For high-end cars, luxury car owners, it is recommended that the first four or five years to buy separate glass breakage risk。 If you don't take this risk, glass broken alone can't get compensation, and 4 s shop for this kind of car glass accessories price is very high, the owner will encounter this kind of situation。 Scratch insurance, the owner also visible parking lot to buy, to a car, for example, a scratch paint fee may be 1000 yuan, but the premium as long as 100 yuan, quite cost - effective。 So it is recommended that car owners with no parking management choose to buy such a policy。
How to buy the most cost-effective car insurance？
( 1 ) the correct choice of insurance products
Many owners of car insurance knowledge is not much, when the insurance by the salesman agent, not only don't know the detailed insurance price, even insured what insurance also don't know, I suggest that the owner in the insurance, at least to understand what insurance coverage, need how much insurance costs。
( 2 ) choose good reputation of insurance companies
In the insurance market, there are dozens of insurance companies, owners in the choice must choose to claim fast, good after-sales service。
( 3 ) to purchase full insurance
In determining the insurance standard for vehicle loss insurance, some owners feel that the more the better, while others feel that the less the better。 In fact, the best option is to insure in full。
( 4 ) carefully look at the insurance clauses
In the insurance, many car owners will not carefully read the terms of the policy, do not know the specific scope of compensation for the insurance, resulting in the accident after the two sides make a lot of contradictions。 Therefore, when the insured owners must carefully read the terms of the insurance policy, to understand which accidents can not be compensated, which circumstances can be compensated, will not make unhappy, and also can be very good for their rights。
Year 1: full coverage of motor vehicles is not equal to full coverage
" full insurance does not mean full insurance", many owners may not know this truth。 General sense of the total insurance includes 15, 16 insurance, but most of the 4 s shop gives the total insurance includes 8 insurance, respectively for traffic insurance, vehicle loss insurance, excluding non-compensable insurance, third party liability insurance, on-board personnel liability insurance, the whole car theft and rescue, scratch insurance, glass single damage insurance。 In fact, in addition to the compulsory purchase of compulsory insurance, the other seven are optional commercial insurance。
Year 2: no insurance, illegal records can save premium
As a rule, which insurance company to choose in the first year, the second year the insurance company will make a phone call to ask whether to renew。 At present, most insurance companies implement floating car insurance discount, claims record too much and the amount of large car owners, insurance companies will cancel or reduce the preferential margins。 Whether the renewal of auto insurance benefits in addition to the number of previous year, but also related to four factors: 1 . The benchmark fee for the establishment of insurance; 2. . The number of claims in the previous year; 3. . Grade; 4.. Out - of - danger condition of vehicle。 No insurance, illegal records can save premiums, but now the CIRC implementation of networking system, in the last insurance company's number of risks will be recorded。
Year 3: some risks must be covered
" some insurance can save, some province may not。 Professional advice: be sure to buy regardless of the risk of non - loss。 This type of insurance is a combination of car damage and commercial risk。 Not on this risk, the accident, the insurance company will have a certain exemption。 General unilateral accident or bear full responsibility in the accident, oneself also want to bear 20 %。 Whether novice or veteran, in the purchase of car damage and three risks at the same time, it is best to buy。
For high-end cars, luxury car owners, it is recommended that the first four or five years to buy separate glass breakage risk。 If you don't take this risk, glass broken alone can't get compensation, and 4 s shop for this kind of car glass accessories price is very high, the owner will encounter this kind of situation。 Scratch insurance, the owner also visible parking lot to buy, to a car, for example, a scratch paint fee may be 1000 yuan, but the premium as long as 100 yuan, quite cost - effective。 So it is recommended that car owners with no parking management choose to buy such a policy。
How to buy the most cost-effective car insurance？
( 1 ) the correct choice of insurance products
Many owners of car insurance knowledge is not much, when the insurance by the salesman agent, not only don't know the detailed insurance price, even insured what insurance also don't know, I suggest that the owner in the insurance, at least to understand what insurance coverage, need how much insurance costs。
( 2 ) choose good reputation of insurance companies
In the insurance market, there are dozens of insurance companies, owners in the choice must choose to claim fast, good after-sales service。
( 3 ) to purchase full insurance
In determining the insurance standard for vehicle loss insurance, some owners feel that the more the better, while others feel that the less the better。 In fact, the best option is to insure in full。
( 4 ) carefully look at the insurance clauses
In the insurance, many car owners will not carefully read the terms of the policy, do not know the specific scope of compensation for the insurance, resulting in the accident after the two sides make a lot of contradictions。 Therefore, when the insured owners must carefully read the terms of the insurance policy, to understand which accidents can not be compensated, which circumstances can be compensated, will not make unhappy, and also can be very good for their rights。
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