How to buy car insurance? The steps and methods of buying car insurance are as follows: 1. Choose the seller with better credibility and qualification. 2. You can go directly to the insurance company to buy, or you can choose the car seller to handle it. 3. The two main insurance should be on the full car insurance, one is compulsory insurance, which is mandatory for the state to insure. 4. The other is commercial insurance, commercial insurance including primary insurance and additional insurance, commercial insurance is the basic protection after the accident. Car insurance configuration and the vehicle itself and the driver's driving habits are directly related. First of all, if the vehicle, if it is a new car, it is recommended to buy car damage insurance, third-party liability insurance and vehicle personnel insurance on the basis of increasing the total car theft insurance, after all, the new car than the old car theft risk is greater; as for the glass insurance, water-related insurance, and other additional insurance according to the vehicle driving area of their own choice. The last purchase of all types of insurance are added to the exclusion of liability, otherwise no matter what kind of claims need to bear part of the cost. At present, each insurance company's car insurance varieties are more or less the same, the main insurance mainly has commercial third party liability insurance, vehicle damage insurance, total car theft insurance, vehicle personnel liability insurance. Vehicle owners can choose to insure some of these types of insurance, or choose to insure all types of insurance, the following is a list of some common types of insurance on the market @ 2019
How to Buy Vehicle Insurance
You can go to a 4S store, insurance companies direct sales, telephone insurance, online insurance, car insurance agents, these channels to buy car insurance.
The best combination of car insurance: 1. Compulsory insurance: it pays out within the 122,000 limit.
2, car damage insurance: to pay within the limits of liability.
3, third-party liability insurance: coverage can be purchased from 50,000 to 2 million.
4, deductible insurance: exempt itself should bear part of the cost of 5% to 20%.
What you need to pay attention to when you buy car insurance
1, deductibles to check
Currently, some insurance companies have deductibles of 5%, 10%, 15% and 20% respectively, while some insurance companies have deductibles of 5%, 8%, 10% and 15%. Experts say that the number of deductibles is directly related to how much the owner can get the claim, so the majority of car owners in the Renewal of insurance, you may wish to pay attention to the car insurance company's deductible agreement, after all, this is directly related to the owner can get how much claims.
2, attention to insurance liability differences
Since each insurance company's car insurance terms are different, car owners may wish to compare. The insurance company's commitment to pay claims is also directly related to the owner's rights and interests in claims, so when renewing your policy, evaluate whether the claim payment period of each car insurance company meets your own needs.
3, claims service in the first place
In addition to the two points mentioned above, car owners should also pay attention to the content of the insurance company's claims service, when the car breaks down due to accidents, the insurance company can be the first time the implementation of the automobile consignment ___ and other rescue measures, etc., the owners of the renewal of the insurance company to ask for more details of the car insurance company's claims service, you will be able to more accurately understand how much protection you can enjoy! rights and interests, whether it is suitable for their own needs, so that the insurance will appear to be a target.
4, value-added services in a small way
At present, the price of auto insurance tends to be uniform, claims service is relatively homogeneous, the value-added services provided by the insurance company for the owners will be one of the attractions to attract the owners to take out insurance.
Classification of auto insurance
Commercial insurance is a variable-value insurance, which is divided into basic insurance and additional insurance, of which the additional insurance can not be independently insured. The basic insurance includes third-party liability insurance and vehicle damage insurance;
The additional insurance includes total car theft insurance, vehicle liability insurance, no-fault liability insurance, vehicle cargo falling liability insurance, glass breaking insurance, vehicle stopping loss insurance, spontaneous combustion loss insurance, additional equipment loss insurance, and non-discountable special insurance.
Often referred to as compulsory insurance also belongs to the broader third-party liability insurance, compulsory insurance is a mandatory insurance, motor vehicles must be purchased to be able to drive on the road, annual inspection, household, and in the event of a loss of third-party need to claim, you must first pay for compulsory insurance and then pay for the other types of insurance.
How to buy auto insurance
How to buy auto insurance in 2017
According to the analysis of nearly 10,000 owners of the insurance situation, there are the following four types of auto insurance program is the most common, owners may wish to do as the law:
Comprehensive
Transportation of mandatory compulsory insurance + commercial liability insurance + car damage insurance + vehicle personnel liability insurance + theft insurance + glass broken separately insurance + deductible special + body scratch damage insurance.
About 20% of car owners choose this type of combination. It is suitable for newcomers and car owners who need comprehensive protection.
Conventional
The compulsory insurance + commercial liability insurance + car damage insurance + vehicle liability insurance + theft insurance + deductible special.
About 60% of car owners choose this type of combination. It is suitable for vehicles parked in parking places that are guarded by permanent and fixed personnel, as well as for car owners who have some driving experience and are willing to bear some of the risks themselves.
Economic
The compulsory insurance + commercial liability insurance + car damage insurance + deductible.
About 15 percent of car owners choose this type of combination. It is suitable for vehicle owners who have been using their vehicles for a long time as well as those who are skillful drivers and are willing to take most of the risks themselves.
Risk-based
Purchase only compulsory insurance. Traffic insurance only pays the third party in the accident, the maximum payment of 110,000 yuan for injuries and deaths, hospitalization and medical treatment of 10,000 yuan, property damage of 2,000 yuan, but the occurrence of a car accident caused by the death of a person should be more than 600,000 yuan, hospitalization and medical costs are far from enough, 2,000 yuan of the cost of damage to the vehicle is a far cry. And, you need to bear the damage or theft of your own car. Therefore, this match is extremely risky.
About 5% of car owners choose this type of combination.
This is generally not recommended.
Free choice of spontaneous combustion insurance
This type of insurance refers to the insured vehicle in the process of use, due to electrical, wiring, fuel supply system failure caused by combustion caused by the loss of the insured vehicle, according to the law by the insurance company is responsible for paying. For this type of insurance insurance experts suggest that if the car is used for a long time, aging parts, you can buy "spontaneous combustion insurance". In addition, often long-distance operation of the vehicle should also buy "spontaneous combustion insurance".
Special reminder to all car owners, the benefits of early renewal, do not in the car insurance "vacuum period" on the road!
Renewal in advance, not let the car insurance "empty window"!
Tips:
After the vehicle exceeds the insurance period for a certain period of time, the owner of the vehicle and then renew the insurance may face the rate upward, "off the insurance" and then renew the insurance must be re-examined, increasing the insurance procedures.
Tips:
Some small daily details, due to car owners "forgetfulness", even became the car insurance claims ` number one "killer": such as driving without a license or driver's license has reached the end of the year, the insured designated driver in the event of an accident for the non-designated driver will be deductible. The designated driver will be exempted from compensation. At the same time, also prompted everyone, after the accident, be sure to keep the scene, which is an important part of the investigation and determination of damage.
Tips for renewing your car insurance
First: Don't just focus on price! Good service allows you to save a hundred times
Evaluation of an insurance company's service strength, can be viewed from a few points: car insurance case settlement rate, case settlement cycle, loss adjuster skills, insurance claims service quality indicators, claims adjusting organization whether to cover the second and third tier, or even a small town, etc., once the accident, to ensure that in a shorter period of time to the scene, to assist in dealing with the accident.
Second: Matching additional insurance according to the model as needed
At present, motor vehicle insurance is mainly composed of four basic insurance and six additional insurance. Among them, the basic insurance in the motor vehicle damage insurance is the basis of additional insurance, only buy the car damage insurance can buy other additional insurance.
Generally speaking, it is most practical to choose a combination of four types of insurance, including vehicle damage insurance, third-party liability insurance, total car theft insurance and deductible special insurance. And with the insurance needs to be based on individual circumstances, for example, glass breakage insurance is more suitable for high-end cars, luxury cars, ordinary private car is not much need.
Third: Learn to customize your car insurance according to the actual situation!
Option 1: New car + new driver + economic car
Your driving skills are more rusty, the vehicle itself is worth a low to medium grade, you can choose a higher third-party liability insurance, as well as vehicle personnel liability insurance and other more comprehensive protection.
Option 2: old car + new driver + economic car
Your driving skills are rusty, the vehicle wear and tear costs medium, based on the use of the old car, the recommended spontaneous combustion insurance and glass breakage insurance coverage, but also according to the appropriate circumstances to add theft insurance and body scratches insurance.
Option 3: New Car + New Driver + Medium to High Grade Vehicle
Your driving skills are rusty and you need to choose a higher level of third party liability insurance. As the vehicle paint repair cost is higher can also be matched with body scratch damage insurance, theft insurance, glass separate broken insurance.
Option 4: old car + new driver + mid-range car
Your driving skills are rusty, the wear and tear of the vehicle higher costs, although the old car, but still need to choose motor vehicle damage insurance, third-party liability insurance, natural insurance, theft insurance, car liability insurance, glass separate broken insurance and other more comprehensive protection.
Option 5: New car + old driver + economic car
Your driving skills are skillful, the value of the vehicle itself is low to medium grade, recommended lower amount of third party liability insurance and lower amount of vehicle personnel liability insurance, but also according to the appropriate circumstances to add the theft insurance and body scratches insurance.
Option 6: New car + old driver + mid-range car
Your driving skills are skillful but the vehicle painting and repair costs are high, we recommend a lower amount of third-party liability insurance and body scratches damage insurance, the new car can also be combined with the theft insurance and glass breakage insurance.
Option 7: old car + old driver + economic car
Your driving skills are skilled, recommended lower amount of third-party liability insurance, due to the insured vehicle for the economy of the old car, spontaneous combustion insurance needs to be taken into account, but also with the separate glass broken insurance and deductible special terms.
How to buy car insurance
Car insurance purchase:
4S stores are more convenient, complimentary extra services are more; in addition to the 4S stores to buy car insurance, the subsequent occurrence of a series of claims services such as damage, repair, claims can be completed on behalf of. However, the price of buying car insurance in a 4S store will be much higher, and there are relatively few insurance companies to choose from, so the cost to the car owner is relatively high.
Prioritize the purchase of adequate third-party liability insurance
The third party is the most important of all auto insurance policies. After all, you can not drive if your car is ruined, but you can not be exempted from paying for the damages of others, and the ability to maintain the ability to pay for the damages of others should be prioritized when purchasing auto insurance. Otherwise, what can be done is only after the accident, the first to sell the house, or divorce to preserve property, would you like? The premise of the above loopholes is that the other party has not applied for property preservation on your assets. Therefore, in order to avoid similar trouble, or the third party insurance policy is fully insured.
How to buy car insurance
1. What does car insurance cover?
①Transportation insurance
First year: 950 yuan for 5-seater, 1,100 yuan for 6-8-seater
Second year: 855 yuan, 990 yuan
Third year: 760 yuan, 880 yuan
Fourth year: 665 yuan, 770 yuan
Fifth year: 665 yuan, 770 yuan
Premiums are not fixed. The premiums are not fixed, they are related to the insurance, the release of the insurance, the transfer, any of the above changes, the premiums will follow the change.
②Vehicle tax
1.0 liter or less: 60 yuan/year
1.0 ~ 1.6 liter: 360 yuan/year
1.6 ~ 2.0 liter: 420 yuan/year
2.0 ~ 2.5 liters: 780 yuan/year
2.5 ~ 3.0 liters: 1,800 yuan/year
3.0 ~ 4.0 liters: 3,000 yuan/year
3.0 ~ 4.0 liters: 3,000 yuan/year
3.0 ~ 4.0 liters: 3,000 yuan/year
More than 4.0 liters: 4,500 yuan/year
③Commercial auto insurance
Four main insurance policies: car damage insurance, code A; three-persons insurance, code B; occupant's liability insurance, code D; and theft insurance, code G.
Five additional insurance policies: glass insurance, code F; scratch insurance, code L; spontaneous combustion insurance, code Z.
Five additional insurance policies: glass insurance, code F; scratch insurance, code L; spontaneous combustion insurance, code Z.
Five additional insurance policies: glass insurance, code L; and automatic damage insurance, code M. The insurance is not deductible, code M; engine special damage insurance, code X.
2. What does all this insurance cover?
1 ① compulsory insurance
Compulsory insurance is mandatory, must be on. The purpose of the compulsory insurance is to allow victims of traffic accidents to get timely and effective treatment. Drinking and driving, intentionally hit a person, the compulsory insurance also claims, the purpose is to protect the victims, reflecting the public welfare. Of course, in this case, the insurance company will first advance medical expenses, and then file a case to investigate the situation, to recover from the driver.
The situation of compulsory insurance is not compensated: the bumper is not compensated.
The principle of floating rate of compulsory traffic insurance: no insurance in the first year, the rate of the second year down 10%, up to 30%, and vice versa, rewarding the best and penalizing the worst.
What problems does compulsory insurance solve?
Example 1: A car hits a tree, and only the car is covered by compulsory insurance. Assuming that the tree is not compensated, can the damage to the car go to the claim?
Answer: No, because the compulsory insurance only claims the injured party in the traffic accident, so in this example, the injured party is the tree, not to compensate the tree, the vehicle loss will not get any insurance compensation.
Case 2: A Jetta in the back, Mercedes-Benz in the front, suddenly in front of a traffic accident, Mercedes-Benz braked sharply, Jetta did not brake, rear-end, Mercedes-Benz's bumper was broken. This is bad luck, but fortunately have car insurance. Mercedes-Benz called the 4S store to ask the repair cost, the two sides negotiated to solve the problem of claims. 4S store replied to Mercedes-Benz, accessories 40,000, to be flown over, there is no domestic model. The SGM is the first of its kind in the world, and it is the only one in the world. Jetta owners think 40,000 is not expensive ah, the light of the traffic insurance on 12 million. The result is silly: the traffic insurance regulations: the accident produced property damage, the maximum payout of 2,000. In other words, because he only on the compulsory insurance, not on the commercial third party insurance, 38,000 to wait for Jetta to pay.
The maximum claim limit for compulsory insurance is 122 thousand. We heard quite happy, quite a lot of ah, general vehicle damage will be enough. Don't be too happy too early, there is also a sub-compensation principle of traffic insurance: hit a person killed: 11 million, hit a person injured: 10,000, traffic accidents resulting in property damage: 2,000. This is the compensation when the insured is responsible. When the insured is not responsible: death and disability compensation limit is 11,000, medical expenses 1,000, property 100.
The traffic accident insurance accumulates compensation. Meaning: the amount of insurance for a year on these, several times the amount of insurance claims to be added together. The first thing that you need to do is to get a good deal of money from the government. So just give the car on the compulsory insurance, really encounter accidents, out of their own pockets is very expensive.
②Commercial insurance
There is a saying in the industry: the owner of the car without commercial insurance, can not afford to hurt. Some people see commercial insurance, commercial car insurance, there will be resistance: commercial insurance is a profit-making nature, not welfare, which is quite right. But now insurance claims are also very high, especially car insurance, claims is a benefit to car owners.
Commercial third party insurance is an insurance policy where the insurance company is liable for the loss of a third party. The third party refers to the third party victims other than the policyholder, the insured and the insurer, who suffered losses due to the accident of the insured vehicle. The third party insurance is for the third party, excluding your own family.
Case: a person in reverse, inexperienced, let the family stand behind the car, coupled with the technical unskilled, the gas pedal as the brake, resulting in the death of family members, this situation car insurance can not be claimed. If it is an outsider, it can be claimed. This is also to prevent fraudulent insurance, deliberately injuring family members. There is no principle of sub-compensation, there is damage to pay. Do not accumulate the amount of insurance, for example, insured 100,000 three, the first insurance claim, the second insurance amount is still 100,000, will not be subtracted from the amount of the last compensation because the first claim has been made.
Premiums for commercial third party insurance: generally in the hundreds of dollars, starting at 50,000, for example, around 600 to insure 100,000, 800 around 200,000, 1,000 around 300,000. The recommended amount is 200,000 or more. Less does to really meet the accident, the role of weak. When you meet the accident at once silly.
Commercial third party insurance claims are quite high.
③Car Damage Insurance
The insured or the driver he allows to drive the insured vehicle in an insured accident, resulting in damage to the insured vehicle, the insurance company will pay compensation within a reasonable range.
Car damage insurance is also the insurance for the loss of the vehicle itself. The first thing you need to do is to take out an insurance policy that covers the damage to the vehicle itself. The more common car damage: collision, overturning, natural disasters, and so on. Premiums are generally more than 1,000 insurance 100,000, and the price of the vehicle model, the equivalent of 3 dollars a day. This insurance claim rate is also very high.
④Car personnel insurance
Responsible for compensation of the insured vehicle traffic accidents caused by the car's personnel casualties. A driver plus four passengers. General insurance amount of 10,000 to 30,000 per person, premiums of about 40 insurance amount of 10,000, passengers a person of about 20 yuan insurance amount of 10,000, four premiums of 100 to 300 or so.
It is recommended that car owners, with the car personnel insurance, but also to remind passengers, be sure to give themselves on the accident insurance. Accident insurance 100 to 500 premiums, the amount of insurance tens of thousands to hundreds of thousands.
Friends hitchhiking, accidents, the two sides in court, the root of the problem is still due to money. Should learn to pass these risks to the insurance company, not the driver to bear, can not afford to hurt. Some people will refuse to ride with a friend who does not have accident insurance, and the friend understands. Regarding friend rides, the law states that the carrier has a legal obligation to deliver passengers safely to their destinations, regardless of whether they are paid or free rides.
⑤Theft insurance
The full name is full car theft insurance, which means that the loss of a wheel, reflector that can not be compensated. The requirements of the theft insurance claim: the car was stolen, to the county level or above, the public security department to report, three months did not find, you can ask for a claim.
6 special engine damage insurance
Also known as "water-related insurance", insured car damage insurance car, can be on this insurance. That is to say, there is no commercial insurance main insurance, this can not be on. In the case of vehicle flooding, the car damage insurance can pay for the part of the vehicle damage other than the engine, and the resulting engine damage is only possible to pay for the water-related insurance. It is responsible for the reasonable cost of driving the insured vehicle while wading on a waterlogged road as well as rescuing the vehicle while wading.
Engine damage caused by flooding can be compensated. However, if the owner of the vehicle is forced to start the engine after being flooded and damage is caused, then even if you have purchased the water-related insurance, the insurance company will not compensate.
The full coverage of the vehicle does not include water-related insurance, and car damage insurance does not include engine damage insurance. A lot of friends thought that on the full insurance everything is fine, in fact, many times the "full insurance" does not include "water-related insurance", the so-called "full insurance" is generally said to be all the main insurance, and such as water-related insurance The company's website has been updated with the latest information about the company's website, and the company's website has been updated with the latest information.
The engine is exempted from car damage insurance, so if you want to insure the engine, you must purchase additional engine insurance.
7 glass breakage insurance
In insurance accidents, glass breakage is usually accompanied by other parts of the vehicle suffered losses and occurred, this time the glass breakage belongs to the scope of responsibility of the car damage insurance. And in the glass broken alone, this time does not belong to the scope of damage insurance, but belongs to the responsibility of the glass insurance, then if there is no glass insurance insurance company will not pay.
8 scratch insurance
Scratch insurance can be on, not on, depending on the owner's economic capacity. Scratch insurance premiums are generally 400 yuan insurance 2000. relative to other items of car insurance, such as three insurance, 600 yuan insurance 100,000, or more expensive, but scratch insurance can only be given to three years on the new car, the general insurance company refused to insure the old car scratch insurance.
To be honest, there are scratches can still drive, but there are car damage or glass damage, can not drive. Because of the scratches are very easy to appear, scratch insurance claim rate is quite high. Some insurance companies have introduced: car insurance free scratch insurance. Why is this possible? In fact, the location of the scratches disguised as car damage, apply for a claim.
But if there is such a situation, how can the car damage can not hide the scratches: the body was painted on the painting, at this time, there is no scratch insurance, this insurance company how to claim it? So we still need to keep a clear head, consider the problem thoughtfully, don't be "cheap car insurance in our place", "car insurance free scratch insurance" and other words to be tempted. It's a given that the amount of insurance you get on the cheap will not be high.
9 spontaneous combustion insurance
Generally, new cars have warranties and do not require spontaneous combustion insurance. Older cars need spontaneous combustion insurance because of the aging of power lines and fuel lines. There is also a situation, due to the goods on the car plus the outside temperature is too high, the car burning, also belongs to the spontaneous combustion insurance claims, so the new car can also be insured against spontaneous combustion insurance, especially in the summer period of high temperatures, often out of the car friends.
⑩Deductible Insurance
The terms and conditions of the commercial third party liability insurance policy stipulate that the insurer will, according to the driver's responsibility in the accident, be responsible for the main responsibility, deductible 15 percent; equal responsibility, deductible 10 percent; secondary responsibility, deductible 5 percent; full responsibility, deductible 20 percent.
Additionally do not put all the documents in the car, the license to put in the car, the other card with you, so as to avoid the loss of the vehicle caused by the destruction of the documents, the lack of documents to the time of the claim will deduct some of the deductibles, the lack of the same deduction of 0.5%, less a spare key deduction of 3%.