Private car insurance strategy[汽车保险知识]

It’s the peak of buying a car on holidays and holidays. After buying a car, getting insurance on the car is also a compulsory course for new car owners. Insuring the car may seem simple, but it’s actually quite knowledgeable. Here are some tips to avoid getting half the effort.
At present, there are four main factors affecting auto insurance premiums: First, driving record. Whether you have driven illegally in the past three years or whether you have made faults in the past five years will determine your driving record level. In short, if you drive carefully, eat less and report tickets, and no accidents, your insurance premiums will be lowered. At the same time, the age of the driver, whether he is a novice, and whether the vehicle is often driven by one person or two persons are also factors that affect the premium.
two iscarmodel. It is understood that various insurance companies currently have different risk values ​​for cars of different model years. In short, the higher the value of the car or the more popular it is, the higher the premium will be.
The third is the driving area. Two identical private cars driving in urban areas and often driving long distances will have different premiums. Not only that, some insurance companies will even take your car into the garage or underground public parking lot when determining the premium.
The fourth is whether it is continuously insured. If there are reasonable reasons, such as a business trip or travel for two or three months without using the vehicle, most insurance companies will agree to temporarily suspend your car insurance, and then resume the insurance at the original price when you come back. But if there is no sufficient reason, they may think that you have an ulterior motive to stop the insurance, and will consider you as a new customer when you resume. Usually this means adding premiums.
How to buy the most suitable insurance
The first is to see clearly what the insurance company can cover, like the collision behavior of a vehicle, these are all insured. However, some insurance companies list vehicle losses caused by fires and explosions as the main insurance products, and some companies exclude vehicle damage caused by natural disasters from insurance liability. These are clearly stated in the insurance clauses.
The second is to figure out what the insurance company does not cover. It is even more important to understand the part of liability exemptions listed by insurance companies. Past experience shows that consumers have disputes with insurance companies when they settle claims, and it is often in this part. Such as broken glass alone and scratches on the car body, these two are exempt from liability in most insurance companies' insurance liabilities, and special additional insurance needs to be purchased. Immediately afterwards, I had to settle a few accounts when buying car insurance. The first is the determination of the liability limit of third party liability insurance. In this way, there will be adequate insurance protection in the event of injury.
Once again, the insurance coverage of car damage insurance is determined. When buying car damage insurance, the insured amount is generally determined based on the purchase price of the new car. In the event of an accident, the insurance company's compensation should be able to meet the needs of car repairs. Consider purchasing special insurance without deductible. Taking theft and rescue as an example, companies currently have a 20% deductible for theft and rescue, which means that in the event of a theft, the insurance company only bears 80% of the loss, and the car owner still needs to bear 20% of the liability. "But after purchasing special insurance without deductible, the deductible rate is zero, and the entire loss of theft can be'payed' by the insurance company."
Shop around
After the coverage is determined, under the same coverage, insurance experts recommend that car owners compare the prices given by various insurance companies. However, insurance experts also suggest that car owners should not simply consider the price when buying auto insurance. The service level of the insurance company, the speed of compensation, and the establishment of outlets should all be important considerations for buying auto insurance. For example, some companies are more rigorous when car owners buy insurance, but they can fully consider the interests of customers when making claims. Some companies have very loose insurance conditions, but after collecting premiums, they get stuck when they need to make claims when the owner is out of danger. .
Avoid two major misunderstandings
In addition, insurance experts remind policyholders to beware of two major misunderstandings when buying auto insurance.
One is to avoid over-insurance or under-insurance. The so-called excess insurance is an analogy. Someone’s vehicle is worth 150,000 yuan, but he is insured for 200,000 yuan. He thinks that the more you cover, the more you lose. Insufficient insurance is the opposite. In fact, neither of these two types of insurance can be effectively protected. According to the "Insurance Law", the insured amount shall not exceed the insured value, and if it exceeds the insured value, the exceeding part shall be invalid. If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in accordance with the ratio of the insured amount to the insured value.
The second is to avoid double insurance. After an insurance company purchases insurance, do not go to another insurance company to purchase insurance. The "Insurance Law" stipulates that if the sum of the insured amount of double insurance exceeds the insured value, the sum of the insured amount of each insurer shall not exceed the insured value. Therefore, even if the insured repeats the insurance, they will not get the over-value compensation.
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