How to buy insurance is the most effective?

How to buy insurance is the most effective? Buy a car has to be insured, and face the many insurance companies and insurance, according to the efficiency of their own conditions and requirements for insurance, how to maximize the money was not so simple
In the text before the start, let's just say a few words here:
　　
First of all, buy insurance like a car, when you face a number of insurance companies and many insurance be at a loss what to do, we 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 buy insurance, points for attention and skill. Including how to choose insurance companies, how to choose the insurance etc..
　　
Finally, we also introduce some new changes in 2005, insurance and currently controversial "third party liability insurance" some background knowledge and some of our insurance price forecast.
　　
We first talk about the most important, how to choose the insurance company? RecommendPing An insurance　　
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
　　
3 you have a relatively high requirement for the quality of repair
　　
Then, we recommend that 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 is:
　　
The same 1. 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 because of 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 greatly), therefore, if
　　
1 your car is old
　　
2 your car price is not high
　　
3 you are not particularly high requirements for the quality of repair
　　
The owner of the insured in the traditional channels, many agents and Proxy Companies clerk in price and the owners of "hide and seek". They do not understand too lazy to compare the owners, a lot of salesman will try to raise prices, earn more commissions and fees for their.
　　
While many owners are still hesitant to buy insurance for second years, has been more and more people enjoy a high ratio of performance to price telephone car insurance. Due to centralized management, unified sales, telephone car insurance allows owners to "as clear as noonday" buy insurance. In addition, directly to the insurance company, but also can avoid the bad intermediary misleading and cheating.
　　
Many insiders said, with the telephone car insurance market increasingly mature, the owners in the enjoyment of the telephone car insurance prices at the same time, other services and rights will also be enhanced. While the owners themselves should also be more understanding of these which belongs to their own interests, so that we can immediately enjoy these rights, trouble my dear dear to force. For second years to buy insurance this problem also confused the owner, may wish to try the telephone car insurance.
　　
　　
　　
　　
So, we suggest that you choose a 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 come to 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.. There are some attention matters and tips:
　　
1 the third party liability insurance is compulsory insurance, otherwise the insured vehicles can not pass inspection.
　　
2 the 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 situation:
　　
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 is very common, the relatively high rate of models, it must Paul 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 we suggest should be preserved, otherwise, once the danger, the insurance company only pay 80% of total loss.
　　
5 also note that, now many insurance companies according to different models to calculate the rate, some of the old models or longer year rate may be high.
　　
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 three 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 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.
　　
Small knowledge:
　　
Three big insurance companies: Peoples Insurance Company of China, Pacific Insurance and Ping An insurance company
　　
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 Pingan Insurance Company was founded 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:
　　
The basic insurance: the loss of vehicle insurance, third party liability insurance
　　
Additional risks: pilfer, glass insurance, autoignite loss insurance, non deductible
　　
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.
　　
The third party liability insurance:
　　
The third party liability insurance refers to insurance vehicles because of liability insurance accident direct loss suffered by others, resulting in personal injury or property, in accordance with the provisions of the insurance contract insurance compensation.
　　
Whole vehicle pilfer
　　
Responsible for the responsibility of the whole car stolen, robbed or plundered and during damage or the car parts, ancillary equipment lost need to fix pay necessary, reasonable cost compensation for vehicle.
　　
Windshield alone risks
　　
Vehicles 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
　　
Spontaneous combustion risk of loss, the vehicle due to the 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.