For the car, buy vehicle insurance is not less. Vehicle insurance has nine types to choose from, want to buy cheap, basic "insurance" and take care of the vehicle, the vehicle insurance should choose which? Now I put the various vehicle insurance is introduced as follows, see, car, according to need what to buy insurance, do not need to buy what risks. 　　

　　Select categories have specific requirements? According to the security responsibility, vehicle insurance is divided into basic insurance and additional insurance, the basic insurance refers to the loss of vehicle insurance and third party liability insurance, they each have additional risks.Whole vehicle pilfer, breakage of glass, spontaneous combustion risk of loss, increase the risk of loss of new equipment, are additional risks risk of loss of or damage to the body, must insure the vehicle damage insurance to cover these additional risks;Vehicle liability insurance, no fault liability insurance, vehicle cargo liability insurance, third party liability insurance isAdditional risks, you must first insurance third party liability insurance to cover these additional risks;The non deductible special risks, must at the same time the insured vehicle damage insurance and third party liability insurance.

　　The above is the country except Shenzhen other area insurance insurance choice, while in Shenzhen, the situation is not the same. The basic insurance Shenzhen Juxian include loss of vehicle insurance, third party liability insurance, liability insurance, the driver seat passenger liability insurance, including,Shenzhen automobile third party liability insurance, liability insurance, the driver seat passenger liability insurance must be insured, and the vehicle damage insurance must also can be based on these three categories of insurance of the insured;Additional risks Shenzhen Juxian including whole vehicle pilfer, front and rear windshield alone dissilient danger, no fault compensation insurance, spontaneous combustion risk of loss, the new risk, loss of equipment irrespective of percentage special risks, duty-free vehicle tariff liability insurance, cargo liability insurance, the insurance is based on the insured WPA can the insured.

　One of the insurance: the vehicle damage insurance (insurance)　　
The vehicle damage insurance refers to insurance within the scope of insurance liability vehicle suffered 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 is just opposite to your own, if you take good care of my car to buy.
Insurance: insured or allow qualified driver in the use of vehicle insurance, because the causes of loss, the insurance company responsible for compensation: Insurance around the vehicle insurance vehicle insurance accident happens to the vehicle collision, rollover accidents caused by fire, explosion caused by vehicles from outside the object collapse, air operations object crashes, insurance vehicle parallel fall caused by driving loss following natural disasters caused by the loss of vehicle insurance: lightning, storm, flood, storm, tornado, tsunami, cave, ice fall, cliff collapse, landslide, debris flow, disaster insurance vehicle ferry carrying natural disasters (limited to the driver with the car care) caused by the loss of vehicle insurance. 　
Compensation for the project: the reasonable expenses including the accident vehicle and loss of vehicle to take reasonable rescue and protection measures of expenditure.
The deductible amount: according to your accident responsibility size, in accordance with the amount of compensation 5%-20%. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility.
　　　　　
　Line two: the third party liability insurance (insurance)　　
A qualified driver in use by accident insurance vehicle process caused by third of the direct property loss and casualties. Now with the compensation standards, at least to buy 100000 yuan, 200000 yuan or 500000 yuan to buy the best, especially beginners or Italian spirit coaster friends and work pressure is not easy to focus on the friend, because the fifty thousand yuan, 100000 yuan, 200000 yuan price difference, in short this insurance to buy big their own peace of mind.
Insurance: insured or allow qualified driver in the use process of vehicle insurance, accident, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurance company in accordance with the "road traffic accident treatment measures" and the insurance contract to give compensation.
Compensation for the project: third party liability insurance compensation in accordance with the "road traffic accident treatment measures" provisions of the scope of compensation, standard project, as the insurance indemnity basis. Specific compensation shall be specified in the insurance contract, eliminating the exception responsibility part, the specific contents listed in auto insurance except responsibility section. 　　
The deductible amount: according to your accident responsibility size, in accordance with the amount of compensation 5%-20%. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility.
　　
Line three: the whole vehicle pilfer (additional risks)　　
If your car is in the use of the 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 rush to deal with an emergency, but if you lose your car is very common, the relatively high rate of models, it must protect pilfer.
Insurance: insurance car whole car was * * * *, robbery, the police criminal investigation department at or above the county level for verification, not accounted for more than three months, the insurance company responsible for compensation. 　　
Compensation for the project: theft insurance amount insurance vehicle grab, but limited to the actual value of the whole car insurance vehicle stolen, robbed, by the cost of repairing the damaged or missing parts and auxiliary equipment. 　　
The deductible amount: 20% of the amount of compensation.
　　
Line four: the car seat and liability insurance (additional risks)　　
That isThe driver's seat of liability insurance,Passenger liability insurance.

   The car personnel liability insurance is not recommended to buy. Separate proposals consider life insurance products, insurance coverage and lower costs are generally better. If your car is often have friends to sit, you also can consider to buy a little, but do not buy too much, security in the amount of ten thousand yuan to twenty thousand yuan / seat is enough.
　　
　　Line five: breakage of glass (additional risks)　　
That occurred during the car broken glass alone, pay attention to "separate" word, and such other accidents, Che Sunxian has lost, so if the domestic car, glass is not expensive, want to save money can not buy.
Insurance: the windshield glass for vehicle window glass breakage and individually, the insurance company responsible for compensation. 　　
Compensation for the project: according to the agreement, respectively, according to the actual costs of domestic or imported to buy a glass. 　　
The deductible amount: no
　　
　Type six: the risk of spontaneous combustion (additional risks)　　
Vehicles in the process, because the vehicle electrical appliances, circuit, fuel system faults and load causes spontaneous cargo on fire, causing the reasonable expenses paid by the loss of vehicles and rescue. Car is not recommended to buy, for more than three years of the car should be considered.
Insurance: because the car circuit, circuit, fuel system faults and the goods themselves on fire, or as a result of the car of new equipment for causes of the fire vehicle losses, the insurance company responsible for compensation. 　　
Compensation for the project: when the vehicle has a part of the loss, according to the actual repair costs for repairs. If the car spontaneous combustion whole burnt or have lost value of the repair, the vehicle at the time of the accident compensation in accordance with the actual value, but can not exceed the sum insured. 　　
The deductible amount: 20% of the amount of compensation.
　　
　Type seven: scratch (additional risk) risk　
In the process of using, being cut plan (no significant dent) to repair costs, in general, the novice to buy new car.
　　
　Line eight: irrespective of percentage (additional risks)　　
Vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear, the insurance company responsible for compensation. Irrespective of percentage - additional risk is almost a good insurance will protect, suggestion and. Especially beginners, plus will be useful, especially the accident loss in you, this product can greatly reduce your loss.

Insurance: insurance the insurance of insurance, vehicle in the vehicle damage insurance and third party liability insurance by the insured person to undertake the deductible amount, whether one or more times the insurance accident, were given compensation. 　　
Compensation for the project: the loss of vehicle insurance and third party liability insurance in the amount of compensation in accordance with the deductible amount themselves insurer.

 
　　Line nine: vehicle liability insurance (additional risks)　　
Insurance: insurance vehicle accidents, resulting in the loss of cargo and vehicle casualties and treatment costs, the insurance company liability. 　　
Compensation for the project: the scope of compensation, the car casualties items and standards "provisions of the road traffic accident treatment measures" as a standard, but not exceeding the insured seats and the agreed amount of insurance. Specific costs include: personnel of the rescue costs, medical expenses, loss of working time charges. 　　
The deductible amount: the deductible ratio with third party liability.
　　
　　Line ten: no fault liability insurance (additional risks)　　
Insurance: Insurance vehicles in use process, because of the traffic accident and non motor vehicles, pedestrians, the direct damage caused by other casualties and property insurance, vehicle side no fault, and refused to compensate for failed, the insured has paid the expenses and unable to recover the cost, the insurance company responsible for compensation. 　　
Compensation for the project: according to "road traffic accident standard treatment approach to road traffic accidents" and out of area, in the insurance indemnity compensation. 　　
Deductible amount: every accident meet 20% of the amount of compensation.
　　
　　Line Eleven: new equipment loss insurance (additional risks)　　
Insurance: when the direct damage to the vehicle collision accidents caused by the car of new equipment, the insurance company according to the actual loss compensation.
Compensation for the project: if new equipment parts damage, the compensation for the actual cost of repair. If additional equipment damage, compensation in the amount of insurance.
The deductible amount: with the loss of vehicle insurance deductible proportion.