Novice + new car first year car insurance how to buy the most affordable

���� Consumers who bought a car a year ago should have completed a car purchase plan in the near future to drive their cars home�� Therefore, the number of private cars on the road will gradually increase from the recent beginning to the spring festival�� Novice new cars on the road, more prone to knock against, especially in the busy traffic during the spring festival holiday, the frequency of accidents is higher�� This issue of " car life" will focus on the content of auto insurance, to provide relevant information for new owners of auto insurance��

���� For beginners who just got a new car, to start learning car knowledge, the first to bear the brunt of the car insurance�� Many new car buyers, often to have a car friend for advice, " how to buy the most affordable car insurance in the first year�� " in view of the doubts of the novice, remember to interview Shanghai Volkswagen Fuzhou copper plate special maintenance station sales manager Jiang bin, with his years of sales experience, teach some common sense to buy insurance, raise a car to save money is to start from auto insurance��

���� Insurance in the formal terms of no " full insurance", that is, in addition to the compulsory insurance, there is no so-called must buy insurance or combination of series�� If you are a novice on the road, and a new car, in the first year, the average person will buy more complete�� Wait until the next year to get started, can according to the first year of the situation as appropriate to cut the purchase of insurance�� But if you are careful, in fact, in the first year, also can make some economic choices according to their own situation��

���� Recommended index for motor vehicle loss insurance: �� ���������

���� Recommended reasons: motor vehicle loss insurance refers to the natural disasters ( excluding earthquakes ) or accidents within the scope of insurance liability of the insured vehicle, resulting in the loss of the insured vehicle itself, and the insurer shall pay compensation according to the provisions of the insurance contract�� Car damage insurance as a supplement to the compulsory insurance, it is necessary to buy��

���� Third party liability insurance recommendation index: u u u u u

���� Recommended reasons: refers to the type of insurance that the qualified driver causes direct property loss and casualties of a third party due to an accident in the process of using the insured vehicle, and is also used as a supplement to the compulsory traffic insurance��

���� Riverside told reporters, in fact, insurance cost is nothing more than compulsory insurance, car damage insurance and third party liability insurance�� " in general, this a few together to 3000 yuan, but these insurance is very necessary to buy�� " and generally only need to choose the insured amount of 200000 third party liability insurance��

���� Special risk recommendation index excluding odds: �� ���������

���� Recommended reasons: this is useful as a supplement to car damage and third party liability insurance�� Because the general insurance company according to your responsibility in the accident, agreed absolute deductible in about 20 %, means that only about 80 % of the actual loss compensation�� The insurance company will only bear 100 % of the loss compensation in the above two types of insurance by taking out special risks without any odds��

���� Recommended index of vehicle personnel liability insurance: �� �� ����������

���� Recommended reasons: the on-board personnel liability insurance shall be responsible for compensating the cost loss caused by the accident of the insured vehicle, resulting in the casualties of the driver or passengers on the vehicle, and the necessary and reasonable rescue and protection expenses paid for reducing the loss��

���� Riverside believes that according to the cost - effective, the insurance can also be purchased�� " at $ 10,000 per seat, five private cars only cost about $ 200�� This kind of small and practical insurance is worth buying�� " of course, if the car at ordinary times sit only themselves and their families, and bought other commercial insurance, this can save��

���� Recommended index for body scratch loss insurance: �� ��

���� Recommended reasons: often listen to the owner heartache to say, when the car parked, paint was artificially cut�� This kind of problem will be solved when scratch insurance is covered�� But the problem is that many insurance companies do not set up the insurance, a few companies can cover scratch insurance, also has a strict limit�� For example, the insured amount signed is 2000 yuan, the amount will not be paid�� Payment can only be in accordance with the amount of claims 70 % operation��

���� Recommended index for illegal rescue: �� ��

���� Recommended reasons: motor vehicle theft rescue is responsible for the compensation of the whole car was stolen, robbed, robbed caused by vehicle losses and in theft, robbed, robbed during damage or car parts, accessories lost need to repair the reasonable cost��

���� The choice of illegal rescue is different from person to person, " if your vehicle is not expensive luxury car, and just to work instead of walking at ordinary times, parking and reliable security, it is not necessary to choose a higher premium of illegal rescue�� " riverside said��

���� Recommended index for individual glass breakage risk: ��

���� Recommended reasons: applicable to the use of the car in the process of separate broken glass insurance, high-end car is more appropriate to choose this risk�� And often run long-distance vehicles spend dozens of yuan to insure glass insurance, is also very necessary, because can solve the problem of flying stone smashed glass��

���� Recommended index for newly added equipment loss insurance: ��

���� Recommended reasons: if you are a change loading enthusiasts, in the car inside and outside the installation of electric chair, DVD, empennage, surrounded by large equipment, such as insurance coverage as appropriate�� But in the absence of an insurance accident, the newly added equipment damage alone, such as theft, loss, failure, aging, damage, etc., the insurance company is not responsible for compensation��

���� Recommended index for spontaneous combustion loss insurance: ��

���� Recommended reasons: the insurance coverage for the vehicle in the process of driving, due to the failure of the vehicle electrical appliances, lines, oil supply system and carrying goods spontaneous combustion caused by fire, resulting in vehicle losses and rescue pay reasonable expenses��

���� Since the manufacturer has warranty provisions for new cars, it is not necessary to purchase this insurance for the first year of the new car��

���� Buy a car danger Know what's in your mind

���� The number of claims to control

���� For beginners, most people don't read the terms and conditions very carefully after buying insurance�� As a result, many car owners in claims and insurance companies will produce contradictions and disputes, or when claims are often in the clouds, at a loss�� Cheonan insurance Fujian branch of the relevant staff told reporters that when buying auto insurance must not follow suit, according to their own needs��

���� Comparison of different rate schemes

���� Choose the right insurance company

���� Now, the discount factor for the first year of a new car in the insurance market is 95 %�� Therefore, there is no comparison in price�� Just according to the commercial auto insurance rate scheme is different, the owner needs to needle on their own actual situation, comparative selection��

���� According to the cheonan insurance Fujian branch staff, in 2007, the China insurance regulatory commission agreed to insurance association of China to amend the basic provisions of the motor vehicle commercial insurance industry a, b and c�� The three commercial auto insurance is led by insurance association of China, PICC ( a ), China ping an ( b ), Pacific ( c ) three companies jointly developed�� At present, 60 % of insurance companies choose PICC's a plan�� The three rates in the coverage and exemption details are different, so this time requires the owner to carefully understand, according to their own needs to choose��

���� Small Accident Don't settle claims often

���� It's best not to risk more than four times a year

���� The insurance company has the choice and the condition to the auto insurance renewal�� " car owners claim too many times a year, will affect the renewal of the following year�� " cheonan insurance company staff told reporters, for family cars, if the first year out of danger more than four times, many insurance companies will refuse to protect�� If zero claims within one year, in accordance with the provisions of the CIRC, the following year's insurance minimum discount can reach 70 %��

���� Today, the insurance companies of commercial insurance can query each other, which also means that the number of claims of the car, not change the insurance company can solve the problem�� As a result, the person also reminded new owners, if only encounter some small accident, you don't have to find insurance company every time��

���� To this, has eight years driving age Mr Chen told reporters, in order to the following year's insurance discount, every time encounter a small accident, he will first find the insurance company fixed loss, if the amount is not big, he will weigh, cancel the claim��

����

　　 Consumers who bought a car a year ago should have completed a car purchase plan in the near future to drive their cars home。 Therefore, the number of private cars on the road will gradually increase from the recent beginning to the spring festival。 Novice new cars on the road, more prone to knock against, especially in the busy traffic during the spring festival holiday, the frequency of accidents is higher。 This issue of " car life" will focus on the content of auto insurance, to provide relevant information for new owners of auto insurance。

　　 For beginners who just got a new car, to start learning car knowledge, the first to bear the brunt of the car insurance。 Many new car buyers, often to have a car friend for advice, " how to buy the most affordable car insurance in the first year？ " in view of the doubts of the novice, remember to interview Shanghai Volkswagen Fuzhou copper plate special maintenance station sales manager Jiang bin, with his years of sales experience, teach some common sense to buy insurance, raise a car to save money is to start from auto insurance。

　　 Insurance in the formal terms of no " full insurance", that is, in addition to the compulsory insurance, there is no so-called must buy insurance or combination of series。 If you are a novice on the road, and a new car, in the first year, the average person will buy more complete。 Wait until the next year to get started, can according to the first year of the situation as appropriate to cut the purchase of insurance。 But if you are careful, in fact, in the first year, also can make some economic choices according to their own situation。

　　 Recommended index for motor vehicle loss insurance: ★ ★★★★★★★★

　　 Recommended reasons: motor vehicle loss insurance refers to the natural disasters ( excluding earthquakes ) or accidents within the scope of insurance liability of the insured vehicle, resulting in the loss of the insured vehicle itself, and the insurer shall pay compensation according to the provisions of the insurance contract。 Car damage insurance as a supplement to the compulsory insurance, it is necessary to buy。

　　 Third party liability insurance recommendation index: u u u u u

　　 Recommended reasons: refers to the type of insurance that the qualified driver causes direct property loss and casualties of a third party due to an accident in the process of using the insured vehicle, and is also used as a supplement to the compulsory traffic insurance。

　　 Riverside told reporters, in fact, insurance cost is nothing more than compulsory insurance, car damage insurance and third party liability insurance。 " in general, this a few together to 3000 yuan, but these insurance is very necessary to buy。 " and generally only need to choose the insured amount of 200000 third party liability insurance。

　　 Special risk recommendation index excluding odds: ★ ★★★★★★★★

　　 Recommended reasons: this is useful as a supplement to car damage and third party liability insurance。 Because the general insurance company according to your responsibility in the accident, agreed absolute deductible in about 20 %, means that only about 80 % of the actual loss compensation。 The insurance company will only bear 100 % of the loss compensation in the above two types of insurance by taking out special risks without any odds。

　　 Recommended index of vehicle personnel liability insurance: ★ ★ ★★★★★★★★★

　　 Recommended reasons: the on-board personnel liability insurance shall be responsible for compensating the cost loss caused by the accident of the insured vehicle, resulting in the casualties of the driver or passengers on the vehicle, and the necessary and reasonable rescue and protection expenses paid for reducing the loss。

　　 Riverside believes that according to the cost - effective, the insurance can also be purchased。 " at $ 10,000 per seat, five private cars only cost about $ 200。 This kind of small and practical insurance is worth buying。 " of course, if the car at ordinary times sit only themselves and their families, and bought other commercial insurance, this can save。

　　 Recommended index for body scratch loss insurance: ★ ★

　　 Recommended reasons: often listen to the owner heartache to say, when the car parked, paint was artificially cut。 This kind of problem will be solved when scratch insurance is covered。 But the problem is that many insurance companies do not set up the insurance, a few companies can cover scratch insurance, also has a strict limit。 For example, the insured amount signed is 2000 yuan, the amount will not be paid。 Payment can only be in accordance with the amount of claims 70 % operation。

　　 Recommended index for illegal rescue: ★ ★

　　 Recommended reasons: motor vehicle theft rescue is responsible for the compensation of the whole car was stolen, robbed, robbed caused by vehicle losses and in theft, robbed, robbed during damage or car parts, accessories lost need to repair the reasonable cost。

　　 The choice of illegal rescue is different from person to person, " if your vehicle is not expensive luxury car, and just to work instead of walking at ordinary times, parking and reliable security, it is not necessary to choose a higher premium of illegal rescue。 " riverside said。

　　 Recommended index for individual glass breakage risk: ★

　　 Recommended reasons: applicable to the use of the car in the process of separate broken glass insurance, high-end car is more appropriate to choose this risk。 And often run long-distance vehicles spend dozens of yuan to insure glass insurance, is also very necessary, because can solve the problem of flying stone smashed glass。

　　 Recommended index for newly added equipment loss insurance: ★

　　 Recommended reasons: if you are a change loading enthusiasts, in the car inside and outside the installation of electric chair, DVD, empennage, surrounded by large equipment, such as insurance coverage as appropriate。 But in the absence of an insurance accident, the newly added equipment damage alone, such as theft, loss, failure, aging, damage, etc., the insurance company is not responsible for compensation。

　　 Recommended index for spontaneous combustion loss insurance: ★

　　 Recommended reasons: the insurance coverage for the vehicle in the process of driving, due to the failure of the vehicle electrical appliances, lines, oil supply system and carrying goods spontaneous combustion caused by fire, resulting in vehicle losses and rescue pay reasonable expenses。

　　 Since the manufacturer has warranty provisions for new cars, it is not necessary to purchase this insurance for the first year of the new car。

　　 Buy a car danger Know what's in your mind

　　 The number of claims to control

　　 For beginners, most people don't read the terms and conditions very carefully after buying insurance。 As a result, many car owners in claims and insurance companies will produce contradictions and disputes, or when claims are often in the clouds, at a loss。 Cheonan insurance Fujian branch of the relevant staff told reporters that when buying auto insurance must not follow suit, according to their own needs。

　　 Comparison of different rate schemes

　　 Choose the right insurance company

　　 Now, the discount factor for the first year of a new car in the insurance market is 95 %。 Therefore, there is no comparison in price。 Just according to the commercial auto insurance rate scheme is different, the owner needs to needle on their own actual situation, comparative selection。

　　 According to the cheonan insurance Fujian branch staff, in 2007, the China insurance regulatory commission agreed to insurance association of China to amend the basic provisions of the motor vehicle commercial insurance industry a, b and c。 The three commercial auto insurance is led by insurance association of China, PICC ( a ), China ping an ( b ), Pacific ( c ) three companies jointly developed。 At present, 60 % of insurance companies choose PICC's a plan。 The three rates in the coverage and exemption details are different, so this time requires the owner to carefully understand, according to their own needs to choose。

　　 Small Accident Don't settle claims often

　　 It's best not to risk more than four times a year

　　 The insurance company has the choice and the condition to the auto insurance renewal。 " car owners claim too many times a year, will affect the renewal of the following year。 " cheonan insurance company staff told reporters, for family cars, if the first year out of danger more than four times, many insurance companies will refuse to protect。 If zero claims within one year, in accordance with the provisions of the CIRC, the following year's insurance minimum discount can reach 70 %。

　　 Today, the insurance companies of commercial insurance can query each other, which also means that the number of claims of the car, not change the insurance company can solve the problem。 As a result, the person also reminded new owners, if only encounter some small accident, you don't have to find insurance company every time。

　　 To this, has eight years driving age Mr Chen told reporters, in order to the following year's insurance discount, every time encounter a small accident, he will first find the insurance company fixed loss, if the amount is not big, he will weigh, cancel the claim。

　　

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