How to buy car insurance the most reasonable

 

A, how to buy the most appropriate insurance

   The first is to see the insurance company can guarantee what, like collision behavior of vehicles, these are essential to protect. But some insurance companies will be the vehicle damage caused by fire, explosion as insurance main products, some companies are the natural disasters caused by damage to the vehicle out of the insurance liability, the insurance clauses which are expressly.

   The second is to make clear what the insurance company is not guaranteed. The insurance company listed liability exemption part, must see. Past experience shows that, consumers in the claim with the insurance company disputes, often in this part. Such as broken glass alone and body scratch, the two most of the insurance liability are exempted from liability, need to purchase additional risks special. Then, a car insurance also settled several accounts. First, the third party liability insurance liability limit determination. So once the attack, can have adequate insurance coverage.
Once again, Che Sunxian insured amount determined. In the purchase of car damage insurance, in general is a new car to purchase price to determine the sum insured. Once the accident, insurance company claims should meet the needs of car. Considering the non deductible purchase special insurance. In order to pilfer as an example, currently the company for 20% pilfer franchise, that is to say in case of theft, insurance companies only pay 80% of the loss, owners still need to take the responsibility of 20%. "But the purchase of a non deductible special risks, franchise is zero, the whole car damage can be entirely by the insurance companies' Bill '".
Finally, goods than three home
After the security range, in the same coverage, insurance experts recommend owners are all insurance companies offer. But insurance experts also suggested that the owners in the purchase of insurance should not only consider the price, the insurance company's service level, compensation rate, the network settings are important factors to consider to buy insurance. If some companies buy insurance in the owners of more strictly, but claims at the time was able to fully consider the interests of customers, some companies underwriting conditions are easing, but premium, owners need to be or get out of danger when claims are cards very strict.

 

Two, buy car insurance 6 priority principle

   Principle: the priority to purchase the insurance liability for third party in

   All automobile insurance the third most important. After all, can not drive car is ruined, however, others are exempt from compensation deal, when buying car insurance will maintain the capacity loss for others should be put in the first place. Otherwise, the only thing is in after the accident occurred, to sell your house, or divorce property preservation, will you? The loophole is the premise of each other not to your assets for preservation of property. So, in order to avoid similar problems, or the third party insurance in full.

   Principle two: the insured amount of three party insurance refer to the location of the standard of compensation

   All parts of the country standard of compensation is not the same, according to the highest standards of automobile insurance compensation calculation, if the death of 1 people, the highest compensation in Shenzhen area can be reached 1500000 yuan, the highest possible Beijing area to 800000 yuan. For example: if the 2008 accident pay full responsibility, the death of one person, the 30 year old, Beijing city registered permanent residence, compensation is calculated as follows, an estimated 600000 yuan.

   (1) the death compensation of about 400000 yuan. (calculation method: compensation for death shall be the seat of the court last year for urban residents per capita disposable income per capita net income of rural residents, or according to 20 years. 2007 Beijing city residents per capita disposable income reached 19978 yuan; per capita net income of rural residents was 8620 yuan. Death compensation is 19978 × 20= about 400000 yuan)

   (2) if there are children aged 1 to 18 years old, alimony payments.

   (3) if the maintenance needs of the elderly, need to pay alimony.

   The above three may add up to more than 600000. If the owner in Beijing, suggested that have a look your old insurance, if the insurance amount is insufficient, suggest that at least for more than 200000, qualified for 500000, saving third party liability insurance money to not. Some insurance companies in insurance more than 500000, also refused to insurance. From this point of view, should be the key to know third party liability insurance.

   Principle three: buy sufficient staff car insurance, car insurance and repurchase

   You are the people who drive, if no other accident insurance and medical insurance for their owners, the last 100000 drivers as insurance, medical expenses, be responsible for the family.

   Passenger risks if the passenger probability is much, can the insured amount more, 5-10 million / seat, is responsible for the family and passengers. If the passenger less, each with a guaranteed 10000 more economical.

   Principle four: buy car caustic danger after buying other types

   Traffic accidents are often accompanied by the damage of automobile, needless to say here.

   Principle five: the purchase of three party insurance, liability insurance, driver and passenger seat car damage insurance deductible insurance

   Spend a little more money, let the insurance company compensation does not buckle buckle that this.

   Principle six: other categories (pilfer, glass, spontaneous combustion, scratch risks) combined with their own needs to buy

   For example, pilfer, glass, spontaneous combustion, scratch insurance and other insurance, in the car in the risk, the risk of 1-5, will not lead to serious impact on the well-being of families and financial. Therefore, suggest to buy according to demand. Should ensure front principle 1-5 satisfies the condition and principle six categories.

 

Three, against six traps

   For insurance policy holders complaints, insurance experts listed the following six traps, as a warning.

   Trap one: forced tying insurance

   In the current insurance categories, only belongs to the traffic control department of the "compulsory third party liability insurance" is the owners must buy, Che Sunxian and theft insurance is optional insurance, but in many automobile trading market to liability insurance, theft and Che Sunxian tied up as the basic insurance sales.

   Trap two: misleading owners insurance

   Passenger insurance, glass breakage, loss of vehicle insurance is related to the immediate interests of the owners, the owners are willing to buy new cars, but the risk of spontaneous combustion, the private car insurance operation, stop loss insurance can not buy. But some insurance agent or not to the owners to explain, or misleading owners into insurance, make some inexperienced owners buy should not buy or not buy insurance.

   Trap three: induced excess insurance or repeated insurance

   Some car dealers will induce the owner over insured or repeat insurance to earn fees. In fact, the insurance company compensate how many completely according to the actual situation of the car be or get out of danger, and not because Baodeduo lose much. In addition, in accordance with the provisions of the "insurance law" fortieth article: insurance amount of double insurance exceeds the insured value, the total amount of compensation made by all insurers shall not exceed the insured value. Therefore, the insured to throw a few insurance will not be super value reparations.

   Trap four: Agent "button single"

   The insured must choose the approval of the State Insurance Corporation insurance, but can not find an insurance agency, insurance. Some of the insurance agent or the "false agent" in the pull to the policy, not directly to the insurance company, but "waiting in the wings". If the owners don't be or get out of danger, premium oneself up. If the owner is a risk, risk their own money to pay off the light; high risk will try various devices to cheat, even.

   Trap five: policy mix the spurious with the genuine

   Some "false proxy" use policies and invoices at first glance, like normal insurance company. Therefore, should seriously check in to get the insurance documents, have a look whether documents third used white carbonless paper printed and reprinted, light brown anti-counterfeit shading, the upper left corner is printed with "China Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in XX Province (city, autonomous region) sales". If not, should refuse to sign.

   Trap six: their loss

   Some on the surface is the insurance company insurance surveyor, but auto repair factory boss secretly, their damage repair themselves, this is the member of the damage in a way of earning money market. It is understood, insurance departments clearly defined, not allowed to mandatory designated vehicle accident repair point.

 

Four, the more common insurance portfolio

   The vehicle damage insurance, third party liability insurance car insurance (including compulsory insurance and commercial three party liability insurance) and the whole vehicle pilfer the three main risks, and scratch insurance, car insurance, liability insurance, the vehicle to stop non deductible insurance, no fault liability insurance, autoignite loss insurance, glass is alone the risk of breakage, additional categories, each have each assume responsibility, mutual irreplaceable. So, in the choice of insurance should be considered, not only save money less insurance, in case accident bring future worries; also can not be analysis, random choice. Which is more important, how to choose, may be with the master's friends or the industry to discuss and make a decision.

   According to the nearly 10000 owners insurance situation analysis, there are four kinds of insurance scheme is the most common, the owners may wish to follow suit:

   1, comprehensive type: compulsory insurance and commercial three party liability insurance (300000 yuan) + Che Sunxian plus car personnel liability insurance + pilfer + breakage of glass + non deductible special + body scratch damage insurance.

   About 20% of the owners to choose this type combination. Suitable for novice and car owners need comprehensive security.

   2, conventional type: compulsory insurance and commercial three party liability insurance (200000 yuan) + Che Sunxian plus car personnel liability insurance + pilfer + non deductible special.

   About 60% of the owners to choose this kind of combination. Suitable for long-term park place fixed guard the park vehicles, but also suitable for a certain age, willing to take some risk owners.

   3, economic type: compulsory insurance and commercial three party liability insurance (100000 yuan) + Che Sunxian plus non deductible.

   About 15% of the owners to choose this type combination. For vehicles used for a long time and good driving skill, willing to bear the most risk owners.

   4, risk: only buy insurance to pay strong. Cross strong insurance indemnifies the accident third party (injured party), casualties of up to 110000 yuan, 10000 yuan of hospitalization, property loss of 2000 yuan, but the Chengdu Area Payment accident caused casualties should be in 200000 above, hospitalization expenses are not enough, 2000 yuan vehicle cost is differ far away. Also, car damage their stolen or need to be themselves. Therefore, the collocation of risk.

   About 5% of the owners to choose this type combination. Insurance experts is generally not recommended for this selection.

   In addition, in car insurance insurance also has "the risk of spontaneous combustion". This insurance is the insured vehicle in use process, combustion caused by the loss of vehicle insurance caused by fault injection of electrical wires, system, the insurance company is responsible for compensation according to law. For this type of insurance experts suggest that if the car life is too long, the aging of machine parts, can buy "risk of spontaneous combustion". In addition, often long operating vehicles should also buy "risk of spontaneous combustion".

 

Five, the insured Juxian Trilogy   

   The first step is to identify suitable for their own vehicle insurance

   Expert proposal, the two main risks, namely the loss of vehicle insurance and third party liability insurance, must not be less. In addition, there are two additional risks, proposal owner best to keep on. One is pilfer, another is no fault liability insurance. Other additional risks can be discretionary.

   The second step of goods than the three, see the price also should see service

   Because insurance companies preferential policies are different, to compare the correlation rate companies according to the models, the age of the vehicle, driving regional, automobile safety performance in their own insurance, do have a definite object in view to buy.

   Services, the insured to the insurance company service network coverage, factors related assistance and settling speed, coverage degree of justice.

   The third step to ask the insurance claims process, see the deductible clause

   Many owners think that as long as the investment and insurance, so no matter what the car accident, looking for insurance claims, in fact, this view is wrong. Get insurance, vehicle mainly clarify their investment and claim scope, what the insurance company is not the claims, claims to need what material etc.. In addition, to clear under what circumstances should report to the insurance companies, which are the ways to report, the report is the term etc..

   Note: car damage insurance is according to the actual amount of insurance and the vehicle itself value proportion of compensation, so take full insurance. While the assumption in this year the vehicle only some little money of small problems, such as scratches, nicks, might as well own pocket repair, to keep the unreasonable compensation records, and get preferential premium on renewal. We

 

Six, what car good?

   What you should see is. For example: A, price, service quality, two, three, claims scale.

   The vehicle damage 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.

   Pilfer: the whole car insured vehicle theft, robbery, robbery. Such a case by the public security criminal investigation department at or above the county level for investigation, confirmed, not accounted for over 3 months. Including insurance car whole car was stolen, robbed, robbed after damage or cause the car parts, ancillary equipment lost the reasonable expenses needed to repair.

   The car personnel liability insurance clause insurance: the insurance of motor vehicles in use, accidents, the insurance vehicle crew suffered casualties, economic liability for compensation according to law shall be made by the insurer, the insurer in accordance with the provisions of laws and regulations and the contract of insurance to compensate.

   Broken glass separate clauses: for the insurance of motor vehicles in use process, the car is broken glass alone, according to the actual loss compensation insurance.

   Spontaneous loss insurance: insurance the insurance of motor vehicles in use, due to the failure of the vehicle and cargo, line, electrical supply system itself caught fire, resulting in the loss of vehicle insurance, and the insured in the event of the insurance accident, as necessary to reduce the loss of vehicle insurance expenditure reasonable rescue expenses, insurance person responsible for compensation.

   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.

   The new proposal to buy insurance, regardless of which company can, a little tip, the car if you don't own modification, and all repair and maintenance in the 4S shop, you can choose not to buy the risk of spontaneous combustion. Now some provinces and cities have the GPS global positioning system installed in the car, the price is controlled in 1300 yuan, it is three year warranty, the warranty period if the vehicle loss and cannot recover, according to vehicle full compensation. That is to say, if the installation of the positioning system, can not buy pilfer rush to deal with an emergency.

Scratch risks and broken glass alone can selectively buy. If the vehicle is the family car, not very high-grade, scratches and glass repair expense is low, can not buy.

   Vehicles with more than 5 years, suggest to buy risk of spontaneous combustion. The broken glass alone, is to protect the front windshield glass, around and after the windshield broken not claims range. For the majority of car owners, pay the premise of compulsory insurance, car insurance, selection of three party insurance, the insurance and non deductible insurance packages the most affordable. This package is cost-effective, and four insurance contains all necessary.

   If the owner has just bought a new car, the "car insurance auto insurance is not what good" more than four kinds of insurance can solve the problem. The new flashy can certainly lead to the owners of particular concern, it is best to add some categories, such as body scratch insurance.

   The above two points, to answer "what car insurance auto insurance good" this problem, considering the individual needs of this factor is very important, is it different insurance for car owners practical much. When the owner insured Juxian must grasp with insurance needs and individual match, rather than blindly the psychological treatment of insurance.

   The old driver drives the new car of this type, the mandatory buy "pay strong risk", and a car damage insurance, commercial three party insurance, pilfer, glass breakage, the vehicle officers liability insurance, risk of nick. If the old driver of second-hand car, car insurance consideration may be required, generally only need to add a car damage insurance, commercial third party liability insurance, liability insurance, car 3, although it is old, but also to repair large after the collision, so the car damage insurance is essential. Although the old driver, has the rich driving experience, but inevitably there will be unexpected, to make their own security, car insurance liability insurance is also required.

   In fact, about what to buy car insurance, car owners have the ultimate goal is to get the most suitable insurance guarantee with the least money. Therefore, the owners are considering buying what insurance is good at the same time, also need to consider more appropriate insurance!

 

Seven, the four major factors affecting the insurance premium price

   The influence of insurance premium of four major factors:

   One is driving record. In the past three years, you are illegal driving in the past five years or a fault will determine your driving record levels. In short, less careful driving ticket, no accident, your premium will be reduced. At the same time, the driver's age, whether novice and vehicle used by one person or two person driving factors driving is the impact of premium.

   Two is a car model. It is understood, the insurance companies have different risk values of different types of vintage cars. In short, the car value is higher or more popular, the corresponding insurance cost is higher.

   Three is a driving area. Two the same private cars in city driving and often long-distance running, the premium will be different. Not only that, some insurance companies when determining the premium, or even take your car parked in front of his home garage and underground public parking lots are taken into account.

   The four is whether continuous. If there are reasonable grounds, such as to the business trip, travel for two or three months, which does not use the vehicle, the insurance company most would agree to put your car insurance stopped, waiting for you to come back and then by the original price recovery insurance. But if there is no sufficient reason, they may think you are not to be divulged to stop insurance, will bring you again as new customers and increased premium.