Ping An insurance company shall Hefei friend, introduce to buy car insurance knowledge. And do some advertising, in Hefei friends such as for car insurance has a good accounting of the amount of insurance, still can consult 18919609973. Give some concessions, concessions in the range of insurance amount of you: 150 - 500 yuan. Provide timely advice and exploration in the claims and the scene. The main Bo statement: not my car insurance, to help promote, but can affirm that the real and effective.

How to buy car insurance:
    In addition to the already mentioned the place of business to find the formal insurance company or confirmed by the insurance company for insurance salesman, in the process to buy insurance, buy insurance type and quantity is the key.
    
    First of all, the third party liability insurance is the national majority of provinces, city, autonomous region statutory requirements insurance insurance. Car caustic danger for the damaged vehicle's guarantee insurance. On this basis, we can choose additional insurance, other such as: pilfer, breakage of glass, vehicle liability insurance, liability insurance, vehicle cargo. If you can guarantee insurance all keep together, then the insured receives the security is the most comprehensive, but because it is according to different charging categories and amount of coverage, so the insurance coverage required more, insurance fee more. Therefore, according to the different models, combined with their own needs, choose the part of the required types of insurance is a reasonable way.
    
    The insurance amount of car how?
    The sum insured vehicle according to the new car to purchase price. The amount of insurance loss of vehicle insurance, car value or actual value can be determined according to the insured. Can also be made of the insured and insurer agreed, but the insurance amount shall not exceed the insured value, more than part of the void.
    
    The driver, passenger insurance tips
    The driver and passengers accident insurance is not insurance must be insured, you can choose according to the actual condition of the insured:
    1, if your car is basically only one ride: driver, can only cover a seat. The insurance fee is 90 yuan.
    2, if your car is often have two or more than two people ride, can 5 all insurance, 50 yuan each, total 250 yuan; if only to cover the 2 seat, 90 yuan each, a total of 180 yuan. In comparison, or 5 of all insured value.
    3, if you often drive or ride in your car, already covered by other types of person accident injury insurance, there is no need to insure the driver and passengers accident insurance, because of duplicate insurance is invalid.
    
    The third party liability insurance covering tens of thousands of appropriate?
    At present, the insurance company of the third party liability insurance optional 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and six grades insurance. The premium is 1040 yuan respectively, 1300 yuan, 1500 yuan, 1730 yuan, 1820 yuan. Protect 100000 yuan more appropriate, can meet the general accident. The 50000 Yuanlve less. A small accident enough, bigger accident will not be lost. That requires driving should be careful, do not hit. Protect 200000 yuan basically can sleep without any anxiety. But don't intentionally accident, that the insurance company will decline. Our advice is: third party liability insurance to protect a little, don't wait until not lose the only regret not guaranteed.
    
    The insured to the insurance company or get a Proxy Companies?
    Directly to the insurance company insured benefits: more reliable; the shortcoming is: what things do get it yourself, whether insured or claim. Find a Proxy Companies is good: good service, the insured to the door, the claim is willing to help; the shortcoming is: not too reliable. But you may not know, in Beijing there are about 60% of the auto insurance is provided by Proxy Companies. Whether you like it or not, Proxy Companies are imperceptibly to deal with you. It is a Proxy Companies, so this years car insurance services have improved significantly. Good choices are: to find a bigger Proxy Companies to insure.
    
    Audit policy
    Since April 1, 1999, the national unified use Chinese CIRC reunification producer insurance documents, similar blank documents printed original insurance companies since May 1, 1999 to stop using. When you receive insurance documents, must carefully check the documents, have a look whether the triple used white carbonless paper printed and reprinted Brown anti-counterfeit shading, the upper left corner is printed with "Chinese Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in XX Province (city, autonomous region) sales" words, and if not, may refuse to sign.
    
    The old should be the price of a new car insurance body loss insurance
    According to the price of a new car insurance and body loss. Because no matter new or old, repair should be replaced with new parts, new and old car is the same in after damage repair costs. If the actual value of the insured vehicle damage insurance, the premium is significantly less than the old car, it is not fair to insurance companies. While the pilfer and spontaneous combustion risk of loss is according to the actual value of the insured, new and used the premium is different, therefore the claim for compensation after is not the same - car payment, income compensation; old pay less, less income compensation.
    
    How to determine the amount of insurance car insured Daoqiang Xian and natural loss insurance?
    For pilfer and natural loss insurance, the insurance amount used by the insurance company and the insured negotiation in the actual value of the insured vehicle is determined.
    While the actual value used is the same type according to the insured vehicle market new car purchase price (including vehicle purchase surcharge) minus the car has been determined using depreciation. The depreciation rate according to the relevant provisions of the state (every year after year depreciation). The actual value of the insured vehicle is higher than the purchase a car when the invoice amount invoice, purchase a car to determine insurance amount.
    
    When the insurance accident occurs, not only the implementation of 20% of the deductible franchise, but according to the actual value of vehicle insurance paid to.
    For example, a new car for $300000 Honda accord, 2 years minus depreciation: 3030 x 10% x 2 = 240000, only by the 240000 insurance. Once stolen, the insurance company the amount of compensation: 2424 x 20% = 196000.
    
    Spontaneous combustion risk of loss is not necessary to cover?
    The spontaneous combustion risk responsibility scope is narrow (only liable for reasons the circuit or circuit resulting from vehicle combustion losses), cost rate is high, less value insurance. In reality, a spontaneous combustion accident is very small, more than 100000 yuan in high-grade car spontaneous combustion, less. The vehicle ignition if associated with the design or quality, we can find manufacturers claim. So, not necessary insurance risk of spontaneous combustion.
    
    Pilfer alone cannot be insured?
    Pilfer cannot be arranged separately, can be added under the vehicle damage insurance. Not the insured vehicle damage insurance is not insured Daoqiang xian. If the violations against, finally is invalid. 1998 in Beijing have done, the owners can not obtain compensation.
    
    Collision not recovery protocol
    Collision without recourse agreement is an agreement between the insurer. If the signing of the agreement the insurer insured vehicle collision. To suffer damage, the insured pay up to their underwriting body loss, no legal recourse, is legal costs can be avoided, a lot of work can be saved, the premium can be kept to a minimum.
    
    Vehicle to buy insurance, transfer, change in use or the policy is lost, what about insurance?
    In the period of validity of the insurance contract, the insurance vehicle resale, transfer to others the legitimate, the insured should be approved by the Department of industry and Commerce of the invoice or handle the transaction procedures in the traffic management departments, to the insurance company to apply for correcting the insured name which has an insurable interest.
    
    When changing the nature or modified variant, the insured shall notify the insurer, and apply for correcting nature of vehicles or vehicle. Such as increasing the degree of risk, in addition to notify the insurance company, according to the provisions of the insurance premium should be paid.
    
    The policy loss do not worry, by the insured to carry on the proof to the issue of the policy insurance company to apply for a replacement.