[Knowledge of the owner's family car]After purchasing a new car, how to apply for auto insurance, which company to insure, and which types of insurance are the issues that car owners are most concerned about. Among them, the car owners and friends are particularly reminded that in the car insurance arrangement, the part related to the "insurer" should be paid special attention, and the saving can not save this piece of insurance premium. At the end of the year, I worked hard for a year, and the year-end awards were also issued. It’s time to reward myself. In addition, all major auto brands are engaged in large-scale promotions during this period. No, there are really a lot of people buying new cars. .
How do I get insurance after I bought a new car? What are the things in it?
Car insurance plan combination: turnips and vegetables have their own love
In addition to the statutory compulsory traffic insurance, and the main insurance part of commercial insurance (car damage insurance), the combination of car insurance can be said to be different from person to person. If you want to get the protection of auto insurance, but also want to save the premium, then you have to choose the most cost-effective combination for yourself. For new cars, the combination of commercial insurance can refer to the following modules.
Car damage insurance + third party insurance + no deductible. This program is the most common and cost-effective combination program. On the one hand, car damage insurance provides protection for the car itself. On the other hand, if the owner accidentally drives the car and bumps into someone else, it can also provide sufficient compensation to the victim based on the compulsory traffic insurance, which solves the car owner’s worries. The main function of ignoring the deductible clause is that the usual auto insurance products will have 15%-20% of the deductible, this part needs to be borne by the car owner, and the excluding deductible special clause can be added after the deductible Part of the risk is also passed on to the insurance company.
Car damage insurance + third party insurance + excluding deductible + theft rescue. This scheme is suitable for car owners who have purchased a new car but do not have a dedicated garage, and the security of the parking lot in the community is not very good.
It is particularly important to note that if you are buying a car that has been on the market for a long time, such as Volkswagen’s Santana series, due to its long time to market, the performance and characteristics of the car have already been known to everyone, and the car is stolen. Thieves tend to succeed easily. On the contrary, those vehicles that have just been on the market are more difficult to steal.
Car damage insurance + third party insurance + excluding deductible + glass insurance. If the new car owner is planning to go out for a self-driving trip, you may wish to add another glass insurance.
Many roads with poor road conditions will have a lot of small stones. When the car runs over, the dust will not be mentioned. Sometimes there will be flying small stones cracking the glass of the car window from time to time, or even punching holes. You must know that changing a piece of glass is not A small amount. Only with this protection can the money be paid by the insurance company.
There are also some car owners with poor residential environment that can also consider this type of insurance, because once the parked vehicle encounters a foreign object attack that causes glass damage, other insurances cannot cover it.
Insurance is more important than insurance
It is also necessary to remind the majority of car owners and friends that in car insurance arrangements, the part about the "insurer" should be paid special attention to.
Car owners may feel that traffic accidents are not terrible, but the terrible thing is that someone was injured or even died in the accident. Once such misfortune occurs, the driver will not only have to endure mental pain, but also pay quite high financial compensation. Therefore, we recommend that car owners not be too "stingy" on third party liability insurance. Increasing the insured amount of tens of thousands of yuan or hundreds of thousands of yuan will only increase the premium by tens of yuan, up to a few hundred yuan, and more insurance is necessary.
For example, a friend in Shanghai just bought a Volvo S80L 2.0T sedan, and it happened that at the end of the year, the promotional price of the bare car fell to less than 300,000 yuan, plus the purchase tax was less than 330,000 yuan. Originally, he planned to allocate 500,000 yuan of three liability insurance. However, according to the calculations of the insurance company, if this car is insured with a three-liability insurance of 1 million yuan, it is only about 500 yuan more premium than a three-liability insurance of 500,000 yuan, but the amount of protection is greatly increased.
Which channel to choose for insurance
For new car owners, the sales staff of 4S stores usually recommend the "through-train" auto insurance business in their stores. Of course, the price of 4S stores will be slightly higher than that of insurance company telephone, online sales and other channels. The specific method to choose for insurance depends on each individual's situation. If you think 4S can take care of all the formalities, and it will be more convenient for new cars to follow-up claims, then the price is a bit more expensive. If affordable prices are more important, telephone and online insurance are more appropriate, and now insurance companies are constantly upgrading their claims and customer services.
As for which insurance company to choose as their auto insurance service provider, it depends on each person's preference. It is mainly possible to comprehensively compare factors such as prices, service attitudes, and service outlets.
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