1, to understand the market price insurance coverage is generally based on the new car to purchase price fixing, while new car market price at present is gradually decreasing, so a query, you drive vehicles in the market price of each year when the insured, according to the current market price of insurance is reasonable way to save premium.

2, rising risk of the third grade third party liability insurance limit of a total of 6 grades, different grades of a large gap between the compensation limit, but the difference between the premium is not large. So that, if the demand between two file coverage of words, can go up a notch insurance. If you also insure the car insurance and third party liability insurance, third party liability insurance premium discount.

3, whether the repeated insurance if your car is generally take all your family, and you and your family have been covered by life insurance accident injury insurance and accident insurance, as a private car, you do not have the necessary vehicle liability insurance coverage. Because the accident and accidental medical insurance provides coverage of basic liability insurance covering the car in this case can provide security. If your situation accords with afore-mentioned conditions but not insured accident and accidental medical insurance, suggest you are best or choose the insurance accident insurance, because it required to pay premium is much less than the vehicle liability insurance, and other accidents but also guarantee traffic accident occurred outside of your loss. Of course, if you often take friends on board, and often change, you'd better vehicle liability insurance coverage, to meet unexpected medical expenses when the accident. In the choice of the number of seats, if according to the approved seat cover, the rate is 0.5%; if not according to the approved seat cover, the rate is 0.9%. For example: Santana approved seating for 5, amount 10000 yuan per person. The 5 seat, a premium of 250 yuan; the 1 block, premium 90 yuan; the 3, a premium of 270 yuan. Obviously, the 3 seat is not guaranteed 5 cost-effective.

4, the old how insurance pilfer because insurance companies when compensating for the insurance vehicle depreciation price purchase a car, the invoice price and the insured amount of the lowest price to determine the amount of compensation, so the pilfer coverage to new and old car is different. The new coverage according to the purchase price of new cars and car insurance, the insured should be determined in accordance with the minimum amount of depreciation price and purchase a car invoice amount of the vehicle, if your car is not a new car or you buy second-hand car pilfer rush to deal with an emergency, and according to the new car price insurance, you not only paid insurance premium more, once the car is stolen, robbed, you only get the lowest depreciation price or invoice price compensation.

5, choose the non deductible special insurance in car insurance and third party liability insurance, the insurance company has in accordance with your's responsibility in the accident, the actual loss compensation you only 80% - 95% of the agreement, which may make you will produce relatively large loss in the actual gain compensation. Through the non deductible special insurance, in these two categories to get you should bear the loss of 100% compensation.

The first one: put three party insurance

The main risk for the auto insurance third party liability insurance and car caustic danger. If you are recently bought a new car, experts suggest the best of the two types of insurance are preserved.

Because auto insurance rates are fixed, so the premium pay depends on the amount of insurance level. Since the car for the family, the three party insurance coverage is generally divided into three grades: 50000 yuan, 100000 yuan, 200000 yuan. Insurance experts recommend the best insurance 200000 yuan, because in the new "road traffic safety law" after the implementation of the car, and the amount of liability have increased a lot, the past 100000 yuan will be able to "get" accident, now 200000 yuan may not be enough.

In addition, relatively speaking, the larger the insurance premium is relatively low, and the company will be damaged outlets, can use the repair factory implementation of remote network loss, but due to the large insurance companies more business claims at the time may be relatively slow. If the owners don't care spend more money, but the settlement speed, can go to a slightly smaller insurance companies.

Second strokes: car damage is full

If you have just bought a new car, I recommend you for the car to car damage insurance, third party liability insurance, the insurance company by personnel, pilfer and body scratch damage insurance and other insurance insure against.

Attention should be paid to the insured, which can not only consider the money by not full insurance, can not spend unnecessary money over insurance. Because the automobile insurance premium rates are fixed, so pay how much depends on the new car to purchase price. A wise choice is full insurance, vehicle insurance is worth it. Not because to save premium not full insurance, such as 200000 yuan car cover only 100000 yuan, once a traffic accident occurs, will not get full compensation. If your vehicle is old or has been near the end of life, it is recommended that you protect car damage insurance, autoignite loss insurance, third party liability insurance and insurance for car drivers, or near the period of scrap cars, poor condition, so the body scratch and pilfer can not guarantee. Here to remind the owners: car in the insurance, the owners do not think the amount of insurance, insurance companies paid more. In fact, the insurance company only according to the actual loss and vehicle depreciation rate of car insurance for determining the amount of compensation. In addition, if you have an insurance company in the full insurance, even if you re insured in an insurance company, it is impossible to get double indemnity.

The third measure: keep good records

Insurance companies generally to "quality customers" give them preferential rates, a year is not out of vehicles can get the insurance company certain preferential rate in second years of renewal.

Therefore, the last year has no claim on the premium, many plays a very important role. If there are more claims, in the last year, so, second years of auto insurance premiums will go up. If in the same company for three years of continuous no claim, then the next year to the premium will generally offer 30%, insurance, Che Sunxian offers the highest can reach 50%. The personage inside course of study suggests, in order to keep good records, in order to obtain a higher discount rate, if there are some small problems your vehicle, such as scratches, nicks, might as well own pocket repair.

Fourth strokes: the record for company

Because the insurance clauses of many insurance companies have to consider the annual accident, if good driving record, can consider to insurance in the same company, so we can get more preferential rates. Otherwise, it must consider the choice of different insurance companies in insurance, in order to reduce the number of premium. Take the insurance clause insurance as an example: Mr. Wang drive the car for 5 years, for 4 consecutive years without insurance, the insured automobile physical damage insurance, three party insurance, pilfer, breakage of glass, car personnel liability insurance and irrespective of percentage of special insurance and other insurance, according to the provisions of the new vehicle insurance clauses and premium rates, Mr. Wang received preferential rate was 40%. In contrast, Mr Zhang due to lack of driving experience, has had 6 accidents a year. He insured vehicle damage insurance, three party insurance, pilfer, breakage of glass, the car personnel liability insurance, regardless of the odds, excluding insurance deductible insurance and other insurance now, because many accidents last year, car damage insurance will be broke surface ratio of 80%. Therefore, in the last year of occurrence rate is high, the insured should consider to choose other insurance companies, in order to get the same security situation, can pay less premium.