【Car owner's home car knowledge】With the development of social economy, the number of private cars is getting bigger and bigger, and private car owners all need to purchase a car insurance. Today I will share with you how to buy insurance for cars.
Understand the types of insurance
There are usually the following types of commercial insurance for automobile insurance, including vehicle loss insurance, third-party liability insurance, full-vehicle theft insurance, vehicle personnel liability insurance, car goods liability insurance, spontaneous combustion loss insurance, glass breakage insurance, no negligence liability insurance, special insurance without deductible, parking loss insurance and body scratch loss insurance, etc.
Vehicle damage insurance
Vehicle damage insurance is responsible for compensating for the losses caused by natural disasters and accidents. This is one of the most important types of insurance in motor vehicle insur
【Car owner's home car knowledge】With the development of social economy, the number of private cars is getting bigger and bigger, and private car owners all need to purchase a car insurance. Today I will share with you how to buy insurance for cars.
Understand the types of insurance
There are usually the following types of commercial insurance for automobile insurance, including vehicle loss insurance, third-party liability insurance, full-vehicle theft insurance, vehicle personnel liability insurance, car goods liability insurance, spontaneous combustion loss insurance, glass breakage insurance, no negligence liability insurance, special insurance without deductible, parking loss insurance and body scratch loss insurance, etc.
Vehicle damage insurance
Vehicle damage insurance is responsible for compensating for the losses caused by natural disasters and accidents. This is one of the most important types of insurance in motor vehicle insurance. From general vehicle bump accidents to complete vehicle damage, we have to rely on types of insurance to bear certain losses.
Three liability insurance
The three-liability insurance is very similar to compulsory traffic insurance. Both are related compensation for personal casualties or property losses caused by third parties in an accident in the car insurance. It is the most important type of insurance in the car insurance. Since the compensation limit for compulsory motor vehicle insurance is limited, commercial third-party insurance is a supplement to compulsory motor vehicle insurance. The coverage amount of commercial third-party liability insurance is available in several categories. Currently, the main coverage level ranges from 200,000 to 500,000.
Scratch Breaking
Some car owners are very concerned about the appearance and paint surface of their car. Once scratches appear on the body, the car owner will feel very distressed, and they will protect scratch insurance for such people.
Deductible insurance
If you insure car damage insurance, three-liability insurance and scratch insurance separately, there will be a certain proportion of the deductible range according to the insurance terms, which means that if an insurance accident occurs, the car owner will not be able to receive 100% compensation. Therefore, usually everyone will take out deductible insurance while buying car damage insurance, third-party liability insurance and body scratch insurance.
Choose a type of insurance
Based on understanding the commercial insurance of auto insurance, you can usually combine commercial insurance according to your personal situation.
Newbie
Given that novices have no experience in driving cars, they can choose car damage insurance + three-liability insurance (more than 300,000 yuan) + theft insurance + glass insurance + scratch insurance + car personnel liability insurance + deductible insurance.
veteran
For old car owners, they have rich experience in driving cars, so car insurance is the most basic type of insurance that only needs to be covered, and you can choose car damage insurance + three-liability insurance.
Personalized combination
For some personalized situations, you can combine insurance types separately. If you often go to and from get off work and have to pick up and drop off colleagues and family members, it is recommended to use basic insurance + car personnel liability insurance; if your parking environment is not very good, it is recommended to add glass insurance and scratch insurance; if you and your car often have to travel on business and the parking environment is uncertain, it is recommended to add theft insurance. Of course, everyone's situation varies from person to person, so I cannot list them one by one here, but there is a principle that "not buy expensive ones but only buy the right ones."
Choose an insurance company
At present, there are many auto insurance companies, and the people they choose are dazzling. In fact, there are not many insurance types and prices. Therefore, I think insurance types and insurance companies should choose according to the following principles.
Compare the price
Under the same insurance type and claim amount, the lower the price, the better. Of course, in such a competitive and incentive environment, everyone's prices are not much different, so in addition to looking at the price, you can then compare several indicators of subordinates.
Response
When a vehicle is in distress or in danger, it is often hoped that the insurance company's people can rush to the scene quickly, so it is also a very critical indicator compared to the response time.
Compare services
Next, there are various preferential measures provided by the company. Some insurance companies provide advance compensation services for a certain amount, some insurance companies can provide on-site compensation exemption for a certain amount, and some companies provide certain hidden preferential services. Anyway, each company has its own killer weapon, so you need to choose it yourself to see which one is suitable for you.
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