Reprint"Pacific car network PCauto", HTtp://www.pcauto.com.cn/

The difference between a car, the old and new car

The new car insurance is natural to complete a little, but not blindly. To correctly select categories according to their actual situation. Generally speaking, the spontaneous combustion risk is not recommended to buy. I met the new owners purchased the risk of spontaneous combustion, the results due to the new wire quality closes nevertheless lead to spontaneous combustion, finally or not a penny of compensation insurance company. Because spontaneous need identification. The new combustion certainly unreasonable, if not the car problems, spontaneous combustion are responsible by the vehicle manufacturer. So the car there is no need to buy ignition type.

As for pilfer rush to deal with an emergency, if the vehicle is the main means of transport to and from work, and residential and companies have specialized to park vehicles, vehicles generally do not park in the unattended place, the possibility of theft of vehicles is low, can consider not buying this insurance. Sometimes buy a steering wheel lock or the installation of GPS location service or bidirectional anti-theft device is more effective than pilfer. For some higher value of the senior models or a new car, if the security consciousness is not strong enough, or buy pilfer rush to deal with an emergency and.

Scratch insurance can according to their own situation to buy, if the car itself, as the senior models, paint repair costs and relatively high, can consider to buy. As for the economic models, its value is not high, even if it is a new car, also do not have too much need to buy this kind of insurance.

Recommend new buy insurance for the best match: cross strong insurance (Bi Bao) + third party liability insurance and vehicle damage insurance with irrespective of percentage + non deductible amount + pilfer rush to deal with an emergency, in accordance with the appropriate whether plus body scratch insurance.

The old car insurance is needed, such as car caustic danger. At the same time as the number of years used car is lengthened, increase the spontaneous combustion risk probability, risk of spontaneous combustion is indispensable.

Recommended to buy the best match for the old car insurance: insurance to pay strong (Bi Bao) + third party liability insurance and vehicle damage insurance with irrespective of percentage

It is worth pointing out, the old car to buy a car. His best to estimate the actual price, in fact, not as long as the car is damaged, it will not affect the general repair damages. If three years ago the price of 100000, now the new car price is 80000, then the actual amount after deducting depreciation cost comparison in 60000 yuan.

Insurance two, difference between novice and veteran

Many novice just take the driver's license to buy self driving, this situation is very common in china. Novice while driving more carefully, but lack of experience, there are some bumps happen. So for the novice we generally recommend to buy some insurance. Do not hold fluky psychology, only to buy insurance to pay strong. You know, once an accident, the need to spend money than when saving to buy insurance to invest a lot of.

So in addition to "pay strong risk", beginners should also buy "the vehicle damage insurance". In order to protect their own vehicle accident to get adequate compensation. Cross strong insurance compensation is relatively low, for large accident, such as the injured person, expensive cars or hit Mercedes BMW, and caused the road loss. Cross strong insurance is definitely not enough. It should be the purchase of "third party liability insurance coverage", should not be too low, in 100000 between -20 million is preferred. If not sure, 500000 coverage can be.

And don't forget, if you buy the vehicle damage insurance and third party liability insurance, also had better want to buy "irrespective of percentage". This money is not much, but the effect is very significant. Of course, for the novice occurs easily scratch accident case, "non deductible" should also buy. Otherwise, some companies have the deductible amount, digital although modest, but every time you want to deduct, owners bear the loss is more. Some small accident possible loss of only hundreds of yuan, after deducting deductible amount, the compensation to the owners is not worthwhile. Especially beginners, small accident frequently situation.

In order to reduce the risk coefficient, the novice can also buy the car seat and liability insurance. Note four is the new car insurance also made some changes to the car personnel liability insurance clause. Will the car personnel liability insurance is divided into the driver and passenger seats, policy holder can buy alone accept insurance pilot or separate passenger insurance underwriting. If the owner of the vehicle is not often carrying passengers, can choose the driver's seat car personnel liability insurance; if the car often need to carry passengers, can choose the driver and passengers seat car insurance liability insurance. If the car is often a family, and you and your family have been covered by any other insurance company accident injury insurance and accident insurance, it is not necessary to the insured vehicle officers liability insurance, because the accident and accidental medical insurance provides coverage of basic coverage to the vehicle accident loss can cause personnel damage.

For starters, we recommend the best model of insurance: insurance to pay strong (Bi Bao) + third party liability insurance 200000 + vehicle damage insurance with irrespective of percentage + non deductible amount, if necessary, can be properly insured vehicle seat liability insurance.

Relative novice, veteran driving experience more chances, to avoid the risk of the corresponding also higher. So we recommend the veteran is more emphasis on economic and social security insurance, instead of the full range of insurance.

The best mode is recommended for: cross strong insurance (Bi Bao) + third party liability insurance 100000 + vehicle damage insurance with irrespective of percentage, when necessary, can also add non deductible amount, but not all insurance companies have a deductible provisions.Veterans can choose some of the scale is not too large insurance company. Not only the purchase of insurance is more economical, but also no deductible provisions. For the novice, or for large scale insurance company is more cost-effective. After all, you don't understand the insurance process, a large insurance company management more strictly. At the same time compensation is also in place in time.

   Insurance three, difference between male and female

Male users driving more seasoned, even novices, familiar with the process is relatively fast, a lot of people for some small scratch couldn't care less. So the insurance purchase can also try to bias the economy. But the big insurance should not be omitted, especially need to run long-distance car owners. While the female owner while driving more carefully, but because not enough skilled operation technique, often resulting in small accident is more than. The accident was almost rarely. So as far as possible to complete coverage and more security. For example, pilfer, powerless to female users is needed

Recommended to buy the best match for the male insurance: insurance to pay strong (Bi Bao) + third party liability insurance 200000 + vehicle damage insurance with irrespective of percentage

And the best mode for female users recommended: cross strong insurance (Bi Bao) + third party liability insurance 100000 + vehicle damage insurance with irrespective of percentage + non deductible amount + pilfer + scratch insurance

Four, economic cars and luxury car

Because the value is different, so the economy cars and high-end purchase of insurance is not the same. Economic car price is more suitable for the general public, buy insurance to public good. Care in security insurance is the case, in the economical principle, for some unnecessary risks are not buy. In high-end car repair prices are not low, so the best buy insurance is more related to all aspects of. To further reduce the loss. For example, in high-grade car imported glass is more expensive, so the broken glass alone is necessary to buy a.

Economy car recommend the best insurance: insurance to pay strong (Bi Bao) + third party liability insurance 200000 + vehicle damage insurance with irrespective of percentage + non deductible amount, the old recommendation to buy risk of spontaneous combustion. In view of economic models of the original vehicle configuration is low, some like additional vehicle equipment users can buy "new equipment loss insurance".

In high-grade car recommend the best model of insurance: insurance to pay strong (Bi Bao) + third party liability insurance 500000 + vehicle damage insurance with irrespective of percentage + non deductible amount + + insurance + glass scratch pilfer alone broken insurance, non new cars are still need to purchase risk of spontaneous combustion.