Save money tips how to buy more car insurance less money?

   This year, many families bought a new car, at the same time, at the end of the year, is generally the peak of vehicle insurance renewal; But in the face of more than a dozen additional insurance, many owners do not know how to choose。 The insurance industry to remind, in the auto insurance renewal, the owner should be based on their actual needs with insurance。 And when buying auto insurance, there are many tips to save money。

   ◎ gold auto insurance combination: vehicle loss insurance + third party liability insurance + exclusive special insurance + whole vehicle theft and rescue

   ■ try not to buy unnecessary insurance

   At present, motor vehicle insurance includes two basic risks and nine additional risks。 In these 11 types of insurance, in addition to compulsory insurance and third party liability insurance is indispensable, other types of insurance are based on the principle of voluntary。 Owners can be insured according to their own economic strength and actual needs。

   For most private car owners, the more appropriate combination of car insurance is the vehicle loss insurance + third party liability insurance + excluding non-compensable special insurance + whole car theft rescue, the advantages of this combination is the highest cost-effective insurance, people are most concerned about the loss and 100 % compensation and other risks are guaranteed, the premium is not high but contains a more practical non-compensable special insurance。 If we take a new car of $ 80,000 as an example, the premium for the first year is about $ 4,000。

   According to ren cheng, in fact, the insurance company still has many additional insurance such as glass, self-combustion insurance, scratch insurance, etc., but in fact, for the owner, the most used insurance is car damage insurance and third party liability insurance, and some such as scratch insurance risk payout ratio high varieties are currently in Shijiazhuang many insurance companies have stopped selling。

   ◎ 70 % discount shall be applied to the vehicles that have not been out of danger in the previous year, and the minimum number of vehicles that have been out of danger shall not be less than 8. 5 fold

   ■ renewal benefits

   " in the renewal of auto insurance will also have some preferential, the last year did not escape the vehicle to implement a 70 % discount, and the minimum number of vehicles out of danger shall not be less than 8. 5 fold。 " it is reported that the previous year did not leave the car owners in the renewal of insurance can enjoy a certain degree of premium concessions, and the number of trips or high payment amount of the car owners, the premium will be based on the actual situation of different degrees of increase。 In general, the vehicle is not out of danger for one year, the second year of renewal can enjoy about 10 % premium concessions; If there is no insurance record for several consecutive years, then the premium discount can reach a maximum of about 30 %。

   According to the reporter understanding, a new car about 100,000 yuan, the first year of insurance coverage in about 4000 yuan。 If there are more than 3 times of scratch, every time out of the insurance report claims, so that the insurance company has a record of many times out of the insurance, the second year renewal, not only has the risk of being rejected, and the rate to be increased by about 30 %, the premium may become more than 5000 yuan。 But if the risk is less, the rate will be up to 70 % discount, premium only about 3000 yuan。

   In addition, the annual depreciation of vehicles can also save a lot of premium, to car damage insurance, for example, the annual premium is 7. 2%。 At present, the monthly depreciation rate of less than 9 passenger cars for non-operating purposes is 0. 6 %, 1 year depreciation rate of 7. 2 % ( depreciation rates are based on the purchase price )。 But it is worth noting that the auto insurance " new deal" for car damage insurance coverage set a minimum value, that is, the minimum shall not be less than 20 % of the purchase price of new cars。

   ◎ failure to insure in full will hurt

   ■ no duplicate payment for the same insured item

   Some car owners think they rarely have a few accidents, so in the insurance for the provincial premium, choose not to be fully insured。 " 200,000 cars, only 100,000 yuan of insurance, although save the premium, but the accident caused by vehicle damage can not be paid in full。 " insurance company related people told reporters, not full insurance will not" worry "。

   In addition, some owners are attracted to the " black heart" insurance intermediary quotation, will also be accidentally cheated, and then by the intermediary secretly with lower car prices to insure。 For example, a 150,000 yuan car, general insurance is 150,000 yuan, but the intermediary if only according to 100,000 yuan for insurance to cause the phenomenon of " low premium", in fact belongs to the " insufficient insurance", also can't get the full payment of insurance companies。

   In addition, some people mistakenly believe that car insurance as much as life insurance to protect a few more can get compensation, this idea is wrong。 The vehicle has the highest amount of compensation, even if there are multiple policies, the same insurance project will not be able to achieve duplicate compensation。

   When the insurance company fixed loss accessories quotation is calculated according to the market price and not necessarily 4 s shop original accessories price

   ■ care should be taken after the vehicle is out of danger

   " the insurance company fixed loss accessories quotation is calculated according to the market price, not necessarily 4 s shop original accessories price。 " insurance experts told reporters," for example, the same bumper repair price may be 800 yuan in the outside, 4 s shop repair may need 1200 yuan。 Not through 4 s shop to buy auto insurance consumers, insurance companies will certainly be lower when the price of loss, if the consumer will take back the car 4 s shop maintenance, the difference will pay their own money。"

   In this case, if consumers don't want to pay extra, the way is to go to the insurance company designated maintenance factory maintenance, but this is also a risk。 " a lot of electronic products and computer software of the car, and insurance companies signed an agreement with the repair plant technology is limited, may not be able to repair, for quality assurance, consumers can only get back to 4 s shop repair。 " the extra part of the maintenance costs, consumers can only solve。

   When the owner without knowing, the car was hit, and can't find the crash, regardless of the free to compensate doesn't work

   ■ " without compensation" also have refused to compensate

   " non - compensable insurance" is an additional insurance of auto insurance, the owner as long as the insurance of the insurance, you can put should be responsible for 5 % to 20 % of the liability to the insurance company。

   But car insurance experts told reporters, many owners think after buying this insurance, as long as the car damage insurance company will compensate, in fact, this is wrong, such as in the terms of the car damage insurance shall be responsible for compensation by the third party, and really can't find a third party, the implementation of 30 % absolute free odds。 If the owner without knowledge, the car was hit, and can't find the crash, so regardless of the risk of non-compensation is ineffective。

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   The new insurance law is more biased towards the interests of car owners

   The newly revised " insurance law of the people's Republic of China" has been implemented since October 1, which has a lot of new provisions on auto insurance claims, such as auto insurance if not transfer, insurance companies still need to pay; After the occurrence of an insurance accident, the applicant, the insured or the beneficiary of the claim, the insurance company must be within 30 days after receiving the claim application to make approved or have a clear statement, at the same time must be required to inform the owner of all the certification materials at one time; To belong to the insurance liability, the insurance company in the payment agreement within 10 days after the payment of compensation。 All these have become the highlights of the new insurance law。

  



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