【The owner's family car knowledge】At the end of the year and the New Year holidays, the peak period for auto insurance purchases came as scheduled. However, the various car insurance products are quite confusing to car owners, especially for car owners who have just bought a new car, how to choose the right insurance product according to their actual situation is indeed a headache.
New car: it is best to buy "all insurance"
The end of each year has always been the peak season for people to buy cars, and the dividends at the end of the year often make everyone's money bags bulge, and people who have been busy for a year should also treat themselves well. However, no matter what car you buy, it is essential to buy insurance for your car. So, how should car owners choose?
Because it is a new car, car owners tend to cherish it. Therefore, it is recommended that new car owners purchase auto insurance more fully. In the first two years, they can purchase "all insurance" in the general sense, such as compulsory traffic insurance, auto damage insurance, and third-party insurance. The “luxury package” of auto insurance such as liability insurance, theft rescue, liability insurance for persons on board, glass insurance, and auto insurance without deductible is more comprehensive.
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【The owner's family car knowledge】At the end of the year and the New Year holidays, the peak period for auto insurance purchases came as scheduled. However, the various car insurance products are quite confusing to car owners, especially for car owners who have just bought a new car, how to choose the right insurance product according to their actual situation is indeed a headache.
New car: it is best to buy "all insurance"
The end of each year has always been the peak season for people to buy cars, and the dividends at the end of the year often make everyone's money bags bulge, and people who have been busy for a year should also treat themselves well. However, no matter what car you buy, it is essential to buy insurance for your car. So, how should car owners choose?
Because it is a new car, car owners tend to cherish it. Therefore, it is recommended that new car owners purchase auto insurance more fully. In the first two years, they can purchase "all insurance" in the general sense, such as compulsory traffic insurance, auto damage insurance, and third-party insurance. The “luxury package” of auto insurance such as liability insurance, theft rescue, liability insurance for persons on board, glass insurance, and auto insurance without deductible is more comprehensive.
However, although new car insurance should be as comprehensive as possible in theory, experts also suggest that it should be targeted, based on its own economic conditions, and rationally choose the combination of insurance types and the amount of insurance. Because different insurance premiums are calculated in different ways, insurances such as vehicle loss insurance, theft and rescue insurance, and separate glass breakage insurance are all calculated based on the purchase price of the new vehicle. The higher the value of the vehicle, the premium paid The higher is the higher, for this type of insurance, the car mainly considers its own situation to choose to buy or not to buy. If the economic situation is relatively loose, you can buy more comprehensive; if the economic situation is relatively tight, you can only buy vehicle loss insurance as the most basic insurance protection. For example, if your car is only driving in the urban area, you can choose low-priced insurance when you buy third-party liability insurance. Because of the large number of vehicles in the urban area and the slow driving of vehicles, the possibility of major casualties is very small; in addition, spontaneous combustion insurance may not be selected, because all the configurations of the new car are new, and the probability of spontaneous combustion is very low.
Old car: choose according to car condition
Mr. Han, who has decades of driving experience, bought a private car five years ago. Although his driving skills are quite high, he cherishes his car very much. He buys "all insurance" every year. However, facing a record of almost zero accidents in 5 years, this year Mr. Han began to wonder whether to continue to buy all-insurance insurance, or to buy a few alternatives. "Our own community has very good security, and there is an underground garage. We don't usually run long distances, so some insurance types really don't mean much to me." Mr. Han said.
In this regard, insurance experts suggest that if the car age is relatively long, you can choose the type of auto insurance purchased according to the actual car condition. In addition to compulsory traffic insurance that must be purchased, commercial third party liability insurance should also be insured under normal circumstances. However, options such as "scratch insurance", excluding deductible insurance, and vehicle loss insurance can be selected at your discretion. If the car owner has good driving skills and does not run long distances often, he can consider not insuring car damage insurance; moreover, there are fewer car thefts and robberies in old cars, so you can also consider not insuring theft and rescue.
High premium for "designated specialization" for high-end cars
Due to the different brands and prices of cars, there are different precautions when buying car insurance. For some high-end cars, you can only go to special brand 4S stores when repairing, and the repair costs are more expensive than ordinary models. Therefore, when choosing car insurance for high-end cars, you should choose the "specified special terms of a designated repair shop" as an additional clause of the car damage insurance. Once an accident causes car damage, the owner can independently choose to repair in a repair shop that is qualified for the insured vehicle. Otherwise, the insurance company will only compensate according to the repair cost standard of the ordinary auto repair shop when making the compensation, and the car owner will have a lot of losses.
Of course, the premium for "designated specialization" is usually slightly higher. In accordance with relevant regulations, the premium for car damage insurance will rise accordingly if this clause is used. Among them, the premium rate of domestically-produced cars rises by 10%-30%, and the premium for imported cars rises by 15%-60%.
Carrying people often: seat insurance is essential
The new year is coming, and for ordinary family cars, it is best for car owners to examine whether the use of the car has changed. If there are more members in the family, the private car will change from a personal transportation tool to a special car to pick up family members. Insurance experts recommend paying attention to the safety of passengers in the car, especially children. For example, a car owner who frequently picks up children should consider insuring the vehicle's personnel (passenger) liability insurance. In this way, in the event of an accident, family and friends who ride in the car can also get corresponding compensation.
In addition, considering the complexity of the current urban road conditions, experts suggest that it is also necessary to purchase commercial third party liability insurance. However, in reality, many people only purchase a maximum of 50,000 yuan insured amount. Experts believe that the insured amount should be increased to 100,000 yuan or more. The reason is that in actual operation, there is often a situation of insufficient insurance coverage, especially after an accident has caused a disability, and if the insurance coverage is low, the insured may pay more.
Telephone insurance: 15% more savings
In recent years, various insurance companies have successively introduced telephone auto insurance, and have attracted more and more car owners to take out insurance at a preferential price of "15%". So far, there are 13 companies with auto insurance telemarketing licenses, namely: PICC P&C, Ping An P&C, Pacific P&C, China Life P&C, Huatai P&C, Dadi P&C, Taiping P&C, Anbang P&C , China United, Sunshine Property and Casualty Insurance, Bohai Insurance, Tianping Auto and Yingda Taihe.
According to the regulations of the China Insurance Regulatory Commission, commercial auto insurance rates can be up to 30% off, while telephone auto insurance can be discounted by another 15% on the basis of the 30% discount, which is more suitable for affordable car owners. In addition to price concessions, telephone auto insurance can save the owner a lot of time and energy. After confirming through telephone communication, the courier company will deliver the insurance form to the door, and the formal insurance policy will be generated after the electronic payment.
However, not all vehicles are suitable for telephone insurance. Some experts suggest that for high-end luxury vehicles, it is best to insure through a 4S shop, and if the vehicle needs to be repaired in danger, you can go directly to the 4S shop for repair.
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