Buy insurance knowledge -- how to buy car insurance is the most effective?

In recent years, the growth of the car speed greatly, has a car of his own into the contemporary fashion and ordinary people to pursue, bought the car has to be insured, and face the many insurance companies and insurance, according to their own conditions and requirements for insurance, how to maximize the efficiency of money it is not so simple. In the text before the start, or to say a few words here: first, buy insurance like a car, when you face a number of insurance companies and many insurance be at a loss what to do, I will give you some basic knowledge about insurance companies and all kinds of automobile insurance. Secondly, since the premium is a combination of many conditions of the complex calculation software, the calculation method for each company are not the same, we do not want to specific rate and calculation method on the insurance companies are analyzed and compared, but to give you some insurance matters needing attention and skill. Including how to choose insurance companies, how to choose the insurance etc.. Finally, it will introduce some new changes in insurance and the controversial "third party liability insurance" to give you some background knowledge and some insurance price forecast.

The most important part of the first talk about --How to choose the insurance company?

At present, for auto insurance, many companies, the people's Insurance Company (PICC), Pacifi Corp (CPIC) and safe company is relatively large, nationwide have business, feature of the large corporation is the compensation standard is relatively high, the claims process is relatively fast, and in many cases in accordance with 4S shop repair costs paid to customers, therefore, if: 1. your car is a new car; 2 your car price is relatively high; the 3. you have a relatively high requirement for the quality of repair. So, I suggest you choose a big company, but also the best in your car 4S shop for insurance, it can better meet the requirements of repair and claims. But the company's weaknesses are: 1. the same models and types of insurance, the premium is higher than that of small companies, for example, the same is a 100000 yuan car, people's insurance insurance premiums may a year high 500 ~ 600 yuan than small companies. 2. due to the monopoly position, large companies may have some unfair terms. For example, the people's Insurance Company of the "out of the amount of 500 yuan the following without compensation". While the small companies and large companies on the contrary, generally speaking, their compensation amount than large companies, designated repair factory level than large companies, and sometimes not enough reliable service quality, but usually rates will be relatively low (book cost is not low, but the discount is high), so, if you: 1. the car is old; 2 your car price is not high; 3. you don't have a particularly high requirements for the quality of repair. So, I suggest you choose the small company, so in terms of costs cheaper. In addition to the general rule, the insurance company for customers, sometimes will launch some initial concessions, such as the Beijing peace telephone insurance can enjoy relatively large margin of preference, should also be taken into account.

After the election of the insurance company, we'll have a look --How to choose the insurance?

According to the importance of car insurance is divided into basic insurance and additional insurance, the basic risks include: loss of vehicle insurance and third party liability insurance. Additional risks include: the whole vehicle pilfer, vehicle liability insurance, breakage of glass, ignition loss insurance, non deductible special risks etc.. Special tips and tricks have some attention matters: 1. third party liability insurance is compulsory insurance, otherwise the insured vehicles can not pass inspection. 2. vehicle damage insurance is the basis of additional risk, only the insured automobile physical damage insurance to cover other additional risks. 3. additional risks, the owner can choose according to their own circumstances: for example: if your car is in daily use process has been in the parking lot is reliable, safe in the park, on the way to work the way no what special quiet road, you can consider does not guarantee pilfer (but if you lose your car belongs to a very common, the relatively high rate of models, it must protect pilfer). If your car is very cheap, so glass insurance premiums may reach the windshield glass itself prices 30% ~ 40%, it is not worthwhile, therefore, can consider to give up the glass. If your car is a new car, so spontaneous combustion risk is very low, can consider does not guarantee. 4. non deductible insurance, I suggest that we must protect, otherwise, once the danger, the insurance company only pay 80% of total loss. 5. was also noted, many insurance companies according to different models to calculate the rate, some of the old models or longer year rate may be high.

　　Experts predict: the third party liability insurance in the future will be the price?

Compared to foreign countries, insurance third party liability in our country. The maximum compensation limit is relatively low, our common standards for 50000 yuan and 100000 yuan, in the event of a major traffic accidents caused casualties, the money is not worth mentioning. While in a foreign country, the third party liability insurance of the maximum compensation limit is usually in the hundreds of thousands, millions of dollars (or the euro), and are enforced, so that in the major traffic accidents, casualties and their families can get enough compensation. So, why China is not up to such a high amount of compensation? Let us calculate Bill: motor vehicle insurance in China in 2003 is 23800000, paid the commercial third party insurance premium is 19000000000 yuan, in 2003 car accident casualties close to 600000 people. If the average casualty 100000 yuan compensation calculation (not too much), 100000 * 600000 = 60000000000 yuan. 60000000000 yuan more than 19000000000 yuan, there is a $40000000000 gap, if you increase the amount of compensation, the gap will be bigger. Therefore, accident victims to get more compensation, there are a few ways in theory: 1. to improve traffic safety, reduce traffic accident casualty rate; 2. the establishment of a social security fund, supplementary funding gap; 3. to improve the third party liability insurance. From a practical point of view, a short period of time to reduce the casualty rate is very difficult, therefore, the establishment of the social security funds and improve the third party liability insurance premiums may be more feasible to implement in the next period of time.

　　The insurance company small knowledge:Insurance three big company's existing: Peoples Insurance Company of China, Pacific Insurance and Ping An insurance company. Among them,Peoples Insurance Company of China(referred to as "mediator" or "human security"), by the Picc Holding Co initiated the establishment of the China the mainland's largest non life insurance company. In the motor vehicle insurance, PICC occupies about 7 of the domestic market share, is the absolute insurance industry leader, thus affecting its every act and every move on the market a lot of.China Pacific Insurance Company Ltd(referred to as the "Gestapo") was founded in 1991, the company is headquartered in Shanghai. After ten years of development, CPIC company vehicle insurance business scale to rise very quickly, at present in the domestic Chinese funded insurance company second.China Ping An insurance companyFounded in 1988, headquartered in Shenzhen, is a Hong Kong listed companies, 2002 premium exceeded 50000000000 yuan. Auto insurance business scope and scale of the current has been considerable.

　　Several main types of insurance existing

　　Basic insurance: loss of vehicle insurance, third party liability insurance

　　Additional risks: pilfer, glass insurance, autoignite loss insurance, non deductible

　　The vehicle damage insuranceInsurance: refers to the vehicle suffered within the scope of insurance liability of natural disasters (not including earthquake) or accidents caused by the vehicle itself, the insurance provisions of the insurance loss, on the basis of contract of insurance compensation.

　　The third party liability insurance: refers to the insurance vehicle for insurance of the person responsible for the accident, direct loss causes others to suffer person casualties or property, in accordance with the provisions of the insurance contract insurance compensation.

　　Whole vehicle pilfer: responsible for liability compensation car accidents caused by direct damage to goods carried by the car personnel casualties and the car.

　　Windshield alone risks: vehicle in the park or in use process, the other part is not broken, only windshield cracked or broken windshield alone, loss by the insurance company for compensation.

　　Spontaneous combustion risk of loss: vehicles because of circuit, circuit, fuel supply system failure due to transport goods and its fire caused the loss of vehicle insurance.

　　Non deductible special risks: vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear, the insurance company responsible for compensation.