Ping An insurance which good - insurance how investment worthwhile?

After buying a car, will you give your car to buy insurance, but the insurance of various kinds, what to buy insurance only cost-effective?Ping An insurance which good escort to buy non accompany risks 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. 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 car ignition the.

New car, scratches and buyScratch 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 spend three, 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. Whole vehicle pilfer, suit one's measures to local conditions

Many owners of residential community policing 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

One, the vehicle damage insurance amount, can according to the insurance at the new car purchase price or the actual value determination, also can be in when the insurance of the insured motor vehicle new car to purchase price determined in consultation. But attention should be paid to the insured amount shall not exceed the insured car purchase price, because more than part of the void.Two, the vehicle officers liability insurance, the insured according to the use of the insured a seat or a few seats, if more than 2, according to the number of all the insurance cost comparison.

Three, the third party liability insurance in general there are 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan and 1000000 yuan in five grades, special circumstances can be a multiple of 500000 to increase the sum insured. In general, protect 500000 yuan more appropriate, can deal with the general accident. Four, the spontaneous combustion risk is caused by the loss of the vehicle due to the circuit or circuit of spontaneous combustion of guarantee. But the car spontaneous combustion accident is extremely rare, so not necessary insurance.

Five, old car pilfer rush to deal with an emergency and car caustic danger, when the actual value of the insured vehicle by new car purchase price minus the depreciation to determine.At present, the motor vehicle insurance includes 2 basic risks and 9 additional risk. In these 11 categories, in addition to cross strong insurance and third party liability insurance is necessary, other types of insurance are voluntarily. Owners can be according to their own economic strength and the actual demand for insurance. 　

For the majority of private car owners, more appropriate insurance portfolio is the vehicle damage insurance and third party liability insurance, non deductible special insurance + whole vehicle pilfer, advantages of this combination is the highest insurance price, payment and other high risk missing and 100% people are most concerned about are guaranteed, the premium is not high but contains more practical non deductible special risks. If a 80000 yuan car as an example, the first year of insurance premium of about 4000 yuan.