How to spend the least money to buy the security the most comprehensive car insurance has become car owners are most concerned about things, Liberty Insurance for you to buy some of the most appropriate:

　Insurance companies claim quickly

Buy vehicle insurance, the insurance company must first select the best, considering the large scale, the strength of the company. For example, Ping An insurance Pacific Insurance, Liberty Insurance, insurance insurance insurance companies network range, especially when the insured vehicle in the field at the time of the accident, large companies can be commissioned on behalf of remote network survey, also can through the remote information loss, due to the reduction of the site survey and waiting time, which claims faster.

In contrast, small insurance company business networks less, weak, its business is mainly through the car dealers and insurance intermediary agent, although the policy quote may be low, even at a discount, but claims but slower. In addition, small company compensation may also have relatively harsh conditions, such as damage to the vehicle needs to repair, some small companies with domestic parts instead of imported accessories; if the vehicle is stolen in the non fixed parking place or when left unattended, some small companies may refuse compensation. Therefore, consumers should not be cheap and suffer a great deal.

　Choose which car insurance insurance

At present, China has hundreds of vehicle insurance, although some insurance name very much the same, but in terms of the content, the insurance liability insurance before the differ in thousands of ways, the best will be insurance companies a comparison, select the policy terms which company the most favorable after the insured.

Owners in the purchase of insurance, first of all should the insured automobile physical damage insurance, third party liability insurance and the vehicle officers liability insurance for the three basic insurance. For often runs long-distance, no fixed garage or residential owners security environment of poor areas, vehicle theft risk, should also buy pilfer rush to deal with an emergency, scratches. In addition, in order to deal with the "road traffic safety law" car "the new regulations no responsibility for compensation", the best addition of no fault liability and non deductible insurance, whether the owners in the accident is responsible, can obtain full compensation for the.

Select the appropriate coverage

Decides how much amount of premium, it is important to choose a suitable amount of it. Some owners in the purchase of car damage insurance selected high coverage, thought once appear accident, can obtain more compensation, but this is The loss outweighs the gain. Because the provisions of China Insurance Clause insurance vehicle, when the total loss, the owner can only obtain the equivalent at the time of the accident vehicle real value compensation. For example, a car has been used for 6 years, the new car to purchase price of 180000 yuan, the insurance company to calculate depreciation for the price of 45000 yuan. As a new car purchase price of insurance premiums paid 4080 yuan, while the vehicle depreciation value of the insured, only pay 1380 yuan. Premiums vary a lot, but the car was damaged, compensation is the same. For those who want to get high pay car owners, oral commitment to buy insurance must not be credulous agents, must sign a special agreement with the insurance company, and in the policy marked "vehicle loss according to the agreed amount payment".

Owners in the purchase of third party liability insurance coverage, the best will be set at 200000 yuan, coverage is too low, in the event of accident is not enough; coverage is too high, the premium is not worthwhile to pay more. As for pilfer, risk of spontaneous combustion, glass breakage, additional insurance premium, it is generally determined by the value of the vehicle.