How to buy the most cost-effective insurance

Nine kinds of novice how to buy insurance is the most cost-effective + Juxian Chinese Paul PICC
Novice how to buy the most cost-effective auto insurance
For the novice and expert advice, in addition to the new car, compulsory insurance compulsory insurance, suggested the car caustic danger, three party insurance, whole vehicle pilfer, non deductible insurance, car personnel liability insurance, breakage of glass and other basic insurance insure against risk of spontaneous combustion, can not guarantee, because very little probability of new generation spontaneous combustion.
1 escort buy non accompany risk: if the owner is a novice, the probability of the various state must be larger, non deductible insurance should be considered in the insurance range. For example, if you hit a car, need to replace the bumper. If there is no guaranteed non deductible insurance, the insurance company will explain, because your original bumper is not new, you need to pay 20% of the cost of a new bumper, but if the non deductible insurance, the insurance company will pay the full cost.
2 new car scratch and scratch buy: insurance, some insurance companies also known malicious damage clause. The car was scraped scraped is constant some thing, but sometimes the repair costs are very high, a luxury car, the body was drawn tens of centimeters cut, spray paint to thousands of yuan. But not all cars are necessary scratch risks, for example, some low-end car claims only need to spend three hundred or four hundred yuan, premium to nearly 300 yuan. Experts suggest that, for a new car and luxury car, buy scratch insurance is a wise choice.
In addition, broken glass in general there are three types of insurance: the road was splashed small stones crushed; broken side glass, stolen goods inside the vehicle; falling objects, smashed the front or rear windshield. Breakage of glass is suitable for new cars and luxury cars, especially high-grade car, because the glass is more expensive.
3 whole vehicle pilfer suit one's measures to local conditions: many owners living area public security is not good, no parking, fixed in addition, some frequently stolen cars, the best insurance pilfer. The insurance company will raise rates or limit coverage on some models, usually pilfer implement 20% absolute 免赔率, even bought a non deductible insurance will not work. Of course, if installed anti-theft devices, car can reduce the premium.
Nine kinds of auto insurance
One of the insurance 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.
The two insurance third party liability insurance (insurance): is a mandatory insurance, need car when examined. 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.
Type three pilfer (additional risk): 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, rate relatively high models, it must protect pilfer.
The four seat car insurance liability insurance (additional risk): 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.
Type five breakage of glass (additional risk): 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.
Type six risk of spontaneous combustion (additional risk): during the driving process of the vehicle, 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.
Type seven (additional risk) risk of Nick: in use process, being cut plan (no significant dent) to repair costs, in general, the novice to buy new car.
Type eight irrespective of percentage (additional risk): vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear (20%), the insurance company responsible for compensation.
Type nine excluding deductible (additional risk): 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.
Novice to open the new: the insurance risk of loss of or damage to the third party liability insurance and the whole vehicle pilfer the breakage of glass and other malicious behavior risk of loss of or damage to the car (personnel) liability insurance, franchise 0
Recommendation: driving their own car drive everywhere, of course, very happy. But don't forget your driving skills needed to be improved, in addition to drive carefully, it is important to give your car a comprehensive security. In addition to the possibility of spontaneous combustion occurred in small cars, can not be insured spontaneous combustion loss insurance outside, other risks insured is must consider the content of novice to open the new, the compensation limit of three party liability insurance is best for higher.
Veteran new car: auto insurance loss insurance, third party liability insurance and the whole vehicle pilfer the breakage of glass and other malicious behavior risk of loss of or damage to the car (personnel) liability insurance, no fault compensation insurance
Recommendation: new style to attract passers-by eye at the same time, has also attracted the attention of thieves! So the insured Daoqiang Xian you don't hesitate. On the new car, you must take good care of there, there are cracks found on the glass, or the neighborhood children naughty naughty, small scratches left in the car body, of course you can't stand to second days. If you are insured against breakage of glass and other malicious acts insurance losses, for this kind of problem that may occur, it can be determined by the insurance company for you to solve, especially will be easy to replace the glass, you only need to take the car insurance company special glass firm can be directly replaced, other things are not should you bother. Because you have good driving skills, loss probability decreases, can not choose 0 franchise, but no fault compensation insurance, the insured or advise you, in order to improve the level of protection.