How to buy auto insurance so as not to waste money?

Do you know how to buy auto insurance after the auto insurance reform? What are the secrets you are most afraid of in auto insurance? When you know what to avoid in auto insurance, you will find that you can save a lot of money after one year. When we buy insurance every year, the insurance company will recommend all risks. In fact, a lot of insurance is useless after buying, but it costs a lot of money. Today, I will introduce some of the most economical and practical insurance purchase methods:

1. Compulsory insurance

This is a must. Compulsory traffic insurance is compulsory traffic insurance carried out by the state. Just like social security, it is compulsory by the state. The compulsory insurance only pays for others, not for yourself.

(1) Only compensate for the residual death 1 10000, and do not compensate for the excess.

(2) Only pay 10000 yuan for medical expenses, and the excess will not be paid.

(3) Only 2000 yuan will be paid for the property loss, and the excess will not be paid.

2. Three risks

Three insurances are used to repair cars for others. During the insurance period, if the insured or its licensed driver has an accident in the process of using the insured motor vehicle, resulting in personal injury or direct property loss to a third party, the insurer shall be liable for damages to the third party according to law, which is not within the scope of exempting the insurer from liability. The insurer shall be responsible for the compensation for the part exceeding the compensation limit of each sub-item of compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of this insurance contract. The limit of liability for each accident shall be determined by the insured and the insurer through consultation when signing this insurance contract. The current liability limit can be selected from 10W to 1000W.

3. Car damage insurance

Car damage insurance is used to repair cars after accidents. After the insurance reform, the glass insurance, theft insurance, natural insurance and water-related insurance previously purchased separately are all merged into car damage insurance, and only one car damage insurance is needed. The scope of protection is "the direct loss caused by natural disasters and accidents of the insured motor vehicle does not belong to the scope of exempting the insurer from liability." During the insurance period, the insured motor vehicle was stolen, robbed or robbed, and the whereabouts of the vehicle were not found within 60 days after being certified by the public security criminal investigation department at or above the county level, as well as the losses caused by the theft, robbery and robbery, and the insured or the driver prevented or reduced the direct losses caused by the insured. The insurance amount is determined according to the actual value of the insured motor vehicle at the time of insurance.