Household car How to buy insurance, here according to my experience, recommended several programs for different situations of friends.
One program.
The strong insurance + third-party liability insurance + deductible special insurance + full car theft insurance
Suitable for: working-class friends.
Characteristics: less money to do great things.
Take a new car worth 200,000 as an example. The first time you buy 5500-6500 yuan, the minimum can be about 2500 if you do not have insurance.
The second program, compulsory insurance + car damage insurance + third party liability insurance
Suitable for the object, not a lot of working-class friends with the car.
Characterized by saving premiums and providing basic protection.
In the case of a new car of 200,000, for example, the premium is about 4,000.
The third option, compulsory insurance + third-party liability insurance
Take 200,000 new cars as an example, the premium is about 2500.
Characteristics of saving premiums, suitable for the car is not much, to cope with the annual inspection and licensing.
The fourth option, compulsory insurance, third-party liability insurance, deductible liability insurance, theft insurance, car damage insurance, car liability insurance
Suitable for frequent long-distance use of the car for well-off families.
Characteristics, complete coverage.
Characteristics, the coverage is complete.
Take the 200,000 new car as an example, the total premium is about 12,000.
A few notes on buying auto insurance:
First, don't be cheap. If you don't buy compulsory insurance, you will not only have to make up for the insurance but also be fined if you are caught by the traffic police. If you have an accident, the compensation for compulsory insurance is the responsibility of the car owner.
The second is to consider the grade of the third party insurance.
Now the death of a person in the north of Guangzhou and Shenzhen compensation of about 1.5 million.
Therefore, it is recommended that the first and second tier cities three insurance about 1.5 million, not less than 1 million.
Provincial capital cities three insurance 1 million.
Third-tier cities three insurance is recommended half a million.
Backward areas and rural areas 30-50 million.
Third, timely renewal. When the insurance is about to expire, it should be renewed in a timely manner. Otherwise, once in the short period of insurance accidents, it will be a problem.
Fourthly, there is no need to duplicate insurance and over- and under-insurance. According to the current law, repeated insurance of the same item, the insurance will not be duplicated compensation, the part of the over-insurance, the claim is based on the actual value, the part of the under-insurance, the insurance will not be compensated.
Fifth, pay attention to carefully read the insurance contract. In particular, the exclusion clauses, if necessary, require the salesman to write clearly in the above its true meaning and sign.
Private car in general, there are 3 considerations:
1. Third party, pay someone else.The accidents that pay out more money are usually injuries and deaths, corresponding to the type of insurance for mandatory insurance and commercial third party , and its additional insurance.
Compulsory insurance is nothing to talk about, we all have to buy, the same protection, premiums are linked to the number of accidents.
Commercial third-party coverage should be well designed, I think the three options for 1 million, 1.5 million, 2 million yuan.
The best choice of 2 million in the north, Guangzhou and Shenzhen, the death of a person is still enough to compensate; economically developed areas, such as Guangdong, Jiangsu, Zhejiang, etc. choose 1.5 million, the other choice of 1 million.
The reason for this design is combined with the level of compensation, the higher the economic level of the driving region, the higher the amount of compensation for death and disability, even if the touch of a luxury car, the probability is much greater.
One of the additional insurance: additional medication liability insurance, bought, medical expenses 100% compensation, did not buy, medical expenses in the medication outside the car owner to pay.
2, their own vehicles, corresponding to the type of insurance for car damage insurance and its additional insurance.Usually buy car damage insurance, do not buy the problem is not big, at most, do not want the car, compared to the third party on the family economic impact is slightly smaller.
According to our experience, the new car is usually bought, because people choose 4S store repair, years of old cars, many people also chose the fast repair stores and other repair stores, the former repair costs much higher than the latter.
Assuming total loss, the old car is not worth a few dollars.
This seems to make sense, depending on the budget of your own premiums.
3, the car personnelprotection of drivers and passengers casualties insurance, premiums are not expensive, the protection is also very general, the probability of claims is relatively not high, I think, the main protection of death and disability, medical role is not very big.
For example, the other party's full responsibility, then the other party to pay, insurance can not be used.
If you are responsible for your own, the health insurance can reimburse the medical expenses, you only need to pay the out-of-pocket part.
If you buy a separate accident insurance, you can not buy, if you do not buy accident insurance, it is recommended to add, after all, the premium is also very cheap.
Finally, the choice of insurance companies:
1, the top three companies, the service is generally better, but the premiums are also a little more expensive.
2. Other companies, the premium may be a little cheaper, but the service experience seems to be worse.
If you are willing to pay for the service, you should buy a big brand, and if you want to save some money, you should buy another brand, in short, each has its own advantages and disadvantages.
Now that a car is a standard part of a family, the cost of car ownership has become one of the main expenses of the family's finances. After the new car is bought, the first thing to face is to buy insurance for the car, so that you can feel at ease to drive your own car, but what insurance? In what company to buy? How to buy their own do not have to spend much money, but also to give themselves peace of mind? The following I understand on their own to share with you.
First, the first is compulsory insurance is mandatory third-party liability insurance this insurance itself is necessary to buy, do not buy the car is not on the road, the traffic police department on the road to check. The price of this type of insurance is not fixed. But the first insurance is a state regulation, if there is no accident in the previous year, it will reduce the cost of insurance by 10%, and if there are no duty accidents in two years, you can reduce the cost by 20%.
In fact, the new car bought this one insurance can be on the road, my car has been to buy this one insurance, driving safety, slow, careful on it.
Second, if the heart is not solid, consider other insurance varieties. Commercial third party liability insurance is the first thing we consider insurance. Driving is afraid of accidents, accidents require real money, to our families bring a lot of pressure, can buy commercial third-party liability insurance can be avoided due to accidents to our financial burden. Commercial third party liability insurance - there are many grades,,, 200,000, 300,000, 500,000 1 million and so on, car owners can choose according to their actual situation. Nowadays, it usually pays more than 300,000 dollars for crashing a person to death. I suggest that this insurance should be purchased.
Third, other types of insurance, such as car theft insurance, non-discriminatory special insurance, glass alone broken insurance, scratch insurance, vehicle personnel liability insurance, I feel that these types of insurance can not buy, (but not bad money except).
I personally feel that buying insurance can only buy a peace of mind, driving still have to be careful, an accident on their own, on others are a kind of harm.
The first person to buy insurance for a family car is mainly based on the actual situation of the individual, but it is recommended that the basic protection must be. As a practitioner for many years I said my own car insurance is how to buy, I love the practice of automobile and have more than ten years of driving experience, I bought the car insurance with the compulsory insurance car damage insurance three (1 million) third-party escape insurance not deductible, because according to the actual situation of my car (the age of the 10 years), I insured a few basic types of insurance, so that in case of accidents occurring in the car and the third party have protection, I feel that this is responsible for your own responsibility, responsible for your family and your family. This is to be responsible for their own responsibility to their families.
The second is the choice of insurance company, I bought my own car safe. I think it's important to choose a big company like PICC, Ping An, Pacific and so on. Large companies 1. claims economic security 2. more outlets throughout the country in the event of an accident processing efficiency 3. additional services such as roadside assistance and you want to serve the large companies with strong implementation capacity. Maybe the big companies sometimes preferential policies are not so high, but compared to the late service this little money really is not money, or later accidents appear "no way to help" really spend money to find a crime.
Third, I personally buy car insurance is in the car of the 4S store, there are many people will think that the 4S store to buy car insurance is expensive. But as a practitioner knows 4S is the most real to give all their concessions back to the customer and even often activities inverted, because the 4S store insurance business is only auxiliary to the maintenance of the car insurance, and the main late insurance do not have to worry about, the whole company for my services, rest assured that peace of mind, I think it's worth it.
First, it is best to have full coverage insurance, plus deductibles, so that a little more comprehensive or more at ease. The first thing I'd like to say is that I'm not sure if I'm going to be able to do this. The street is full of people and cars, if an insurance accident occurs, whether it is a car or a person, all need to spend money. In addition, the deductible is a way to minimize your losses in the event of an accident. Otherwise, there is nothing to pay attention to.
Second, the choice of insurance companies, individuals in several insurance companies have purchased car insurance, some claims, some did not claim. I feel that the claims of the big companies are still available. The first few companies in the front of the line are also good.
Third, familiar with the insurance responsibility, but also familiar with some of the car's common sense, if you think it's worth to report insurance, after all, now the companies for the car often out of insurance will be in the next year when the fee increase.
For private car owners, buying insurance every year is a big headache, and before the expiration date, you will receive a lot of phone calls to sell their car insurance is the most cost-effective service. And most car owners are not insurance insiders, for car insurance claims for many provisions are not possible to understand very thoroughly, that in the end how to choose insurance?
From the car insurance to buy insurance, compulsory insurance is necessary to buy, this is all car owners should know things. Compulsory insurance is the insurance for third-party victims of traffic accidents, in order to protect the interests of the victims. Because the premium amount is not high, the claim amount is not very high, death and disability limit of 110,000, medical expenses limit of 10,000 yuan, property damage claims limit is 2000 yuan.
Such a limit, when the owner really encountered a larger full responsibility traffic accident, simply is not enough to claim. So car owners can buy third party liability insurance, as a supplement. Third party liability insurance can be purchased for up to 500,000 or 1 million dollars.
At the same time, compulsory insurance and third-party liability insurance are compensation for third-party victims, and not for the owner's own vehicle claims. Car damage insurance is for the insured vehicle's own claims insurance, the amount is based on the price of the car to decide. Some car owners will say that it's okay for the car to have a small bump, no need to repair it. But what if the collision is more serious and the only way to continue driving is to repair it? Repair it, the repair cost is not cheap, do not repair it, the car will not be able to use more waste. This time, you will feel the importance of car insurance.
There is another one, the deductible insurance. The greater the damage, the higher the cost to the owner. This is where deductible insurance comes in, as long as the insurance is purchased, all costs are covered by the insurance company.
These are the three types of insurance that I think are the most important. In fact, there are many other types of car insurance such as scratch insurance, glass insurance, water-related insurance, etc. These types of insurance is not very high, but really encountered the relevant things, can be claimed is also very practical, of course, whether to buy by the owner of their own decision.
As we all know, compulsory insurance is mandatory, no compulsory insurance is not allowed to vehicles on the road, commercial insurance is a complementary and maximize their own interests, the new car is recommended to buy car insurance, third-party liability insurance, choose 1 million, just a few hundred dollars, this money must be spent, this is the third party compensation, if someone injured or killed can be used. This year, the insurance company reform, the previous spontaneous combustion insurance, water-related insurance, theft and some other types of insurance, are unified to the car damage insurance, in addition to the exclusion of the purchase, this is also very important.
Seat insurance, is to insure the safety of the vehicle occupants, the conditions are limited, each seat to buy 10,000 on the line, the conditions are good on the other say.
A few notes on buying auto insurance:
First, don't take any chances, and renew your insurance in time for the expiration date. If you don't buy compulsory insurance, you will not only have to make up for the insurance but also be fined if you are caught by the traffic police. In the event of an accident, the compensation of compulsory insurance is the responsibility of the car owner.
Secondly, you should consider the grade of third-party liability insurance.
Now the death of a person in the north of Guangzhou and Shenzhen compensation of about 1.5 million.
Therefore, it is recommended that the first and second tier cities third party insurance of about 1.5 million, not less than 1 million.
Provincial capital cities three insurance 1 million.
Third-tier cities three insurance is recommended half a million.
Backward areas and rural areas 30-50 million.
Third, timely renewal. When the insurance is about to expire, it should be renewed in a timely manner. Otherwise, once the insurance gap in the accident, it will be a problem.
Fourthly, there is no need to duplicate insurance and over- and under-insurance. According to the current law, repeated insurance of the same item, the insurance will not be duplicated compensation, the part of the over-insurance, the claim is based on the actual value, the part of the under-insurance, the insurance will not be compensated.
These are some of my suggestions and personal experience, I hope to be able to help you.
How to buy car insurance for a family car, the four programs are suitable for different cars and different driving levels of car owners.
First of all, the compulsory insurance is not within the scope of discussion, than to buy the insurance is not negotiable. Secondly, three years without insurance, according to the latest insurance rate reform minimum discount can be up to 3.3% off.
And for quality customers each insurance company will give a wealth of favorable conditions and gifts, after-sales service gap is not big and by the OCI supervision, so you can freely choose any insurance company.
Comprehensive - insurance includes: third-party liability insurance of 1 million dollars, car damage insurance, vehicle liability insurance, deductible insurance, theft insurance, glass insurance, no third-party insurance, this combination of insurance is suitable for newcomers to the newcomers and the high value of the vehicle, the full amount of third-party insurance and vehicle liability insurance can avoid the use of the car in the car can be expected to be basically all the risks.
Conventional - insurance includes: third-party liability insurance 1 million, car damage insurance, deductible, no third-party insurance, the conventional combination of skilled driving and driving style of the old driver to the stability of the best for the unexpected situation has enough adaptability, can reduce the car occupants of the injury, the three and the car damage can still provide sufficient protection.
Economy - insurance includes: third-party liability insurance 500,000, deductible, no third-party insurance, mainly for the value of the vehicle has not been a high value of the old car or microfacial a class of this type of vehicle maintenance price is not high, the owner of the car is also to the old driver majority, the significance of the car damage insurance is not very big. However, the three 500,000 is the basis of the insurance amount is even lower if the risk of car is still very large.
High-risk type, the insurance only compulsory insurance. As long as the insurance company does not refuse to insure the vehicle, you can buy commercial insurance or recommend at least three on the insurance, the sky has unpredictable winds and clouds, people have every day, spend a small amount of money to avoid the possibility of a greater expenditure or reasonable.
These four combinations of premiums are decreasing, how to choose to see their own driving skills and car environment. The regular type is the most popular combination, for reference.
If you need help, please pay attention to: days and Auto, interesting Q&A car recommended daily updates.
First, the family car insurance should pay attention to:
(a) buy insurance is to buy protection. Insurance protection is the insurer is responsible for providing financial compensation guarantee after the occurrence of risky accidents. Economic compensation is the basic function of insurance, insurance contract signed, the insurer according to the contract content, scope, amount in the insurance period, the commitment should be given.
(ii) buy insurance is a responsibility. The expiration of the insurance should be renewed and underwritten in a timely manner. If you do not buy compulsory insurance, the traffic police found, not only to make up the insurance, but also a fine. In the event of an accident, the compensation of compulsory insurance is the responsibility of the car owner.
(3) buy insurance is to know common sense. Buy insurance is not only to be familiar with some of the common sense of the car, but also to y appreciate some of the common sense of the traffic, and more importantly, to grasp some of the legal common sense.
(4) buy insurance is to recognize. What car, what type of insurance, what cost, what obligation, what responsibility, what risk, should have the ability to recognize. Have more money to buy, buy all, less money to buy less, but can not not buy. If you feel it is worthwhile to enroll in insurance, do so. If you don't think it's necessary, don't report it. Don't overreport, misreport.
Second, how to choose a more appropriate insurance company
First, ask friends and relatives or close circle. These people are familiar with the car insurance business, purchase, service and experience can teach some experience, especially in dealing with the path of friends and relatives can get help, easier to grasp.
Second, more comparisons. Comparison in large companies, after all, large companies, claims economic security; more outlets throughout the country accident processing efficiency; additional services such as roadside assistance; special services when the implementation of large companies strong ability. Comparison in the cost-effective. Each company's discount program is different,
Third, choose the best. Look at your own car condition and wallet. Finally selected on their own.
The price of each insurance company after the reform of car insurance should not be much difference, as a customer, I feel that car insurance I more look at the kind of service, such as my new female drivers, I estimate that the chances of using the car insurance is very large, in case of insurance claims efficiency, claims friendly degree is very important.
So, in the case of the price is almost the same, choose in the local service, claims good reputation it. Also, the car insurance market is still very unregulated in some places, the same company can enjoy different channels to buy discounts may also be different, so you can compare before buying insurance.