Old owners on the new car insurance what insurance to buy it or not? Excited usually buy later, there are still many specific follow-up issues waiting for us to. On the card, make purchase taxes and fees are the basic process, only some tedious formalities, but the technical content is not high, there is no can save what costs. But usually the car insurance is that so many people feel at a loss, because the face of different insurance companies and those with a multitude of names of insurance to make a choice. If you do not consider saving, it is very easy, a full almost can get a year of car worry free. But in the face of high oil prices and various car expenditure. In addition to a small number of strong economic strength can not care insurance costs, for a lot of mass car consumption groups, the basic insurance held annual costs of keeping a car 1/3 to 1/4 spending, not saving does not calculate a sure is not realistic.

 

 

Up to now I have passed the two cars; the 2001 -2006 is a used car, in 2006 to buy a new car has now. And just buy 2009 insurance, automobile insurance bought a total of 9 times. With the unit, colleagues, friends, fans and so on experience. The author in recent years from the sentiment of the experience and lesson is many, insurance and the purchase of the specific difference between hope to share with everyone. And we want to express to buy insurance principles into simple sentence is, "safety first, security, save for the".

 

 

Firstly, understand the general insurance auto insurance

 

The 1 cross strong insurance

 

 

Compulsory insurance is the insurance company to the insured motor vehicle road traffic accidents caused by the victim (not including the vehicle and the insured) casualties, property loss, compulsory liability insurance shall be compensation within the limit of liability.

 

 

2 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.

 

 

3 the third party liability insurance

 

 

A qualified driver in use by accident insurance vehicle process caused by third of the direct property loss and casualties.

 

 

4 pilfer

 

 

Insurance liability whole vehicle pilfer of motor vehicles for the whole car was stolen, robbed, robbed the vehicle caused the loss and theft, robbery, were looted or damaged during the car parts, ancillary equipment lost the reasonable expenses needed to repair. Visible, motor vehicle whole vehicle pilfer insurance liability includes two parts: one is due to theft, robbery, robbery caused a loss of vehicle insurance; two is due to the insurance of vehicle theft, robbery, robbery of reasonable cost expenditure. The two part of the cost of the insurance company is responsible for compensation in the amount of insurance.

 

 

The 5 seat car insurance

 

 

The car personnel liability insurance for the insured vehicle accidents, causing the car driver or passenger casualties caused by the cost of losses, and paid for the necessary and reasonable to reduce the loss of the rescue, protection expense.

 

 

6 separate glass broken

 

 

That occurred during the car broken glass alone, pay attention to "separate" word, and such other accidents, Che Sunxian can also compensate.

 

 

The 7 risk of spontaneous combustion

 

 

Vehicles in the process, because 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.

 

 

The 8 risk of Nick

 

 

In the process of using, being cut plan (no significant dent) to repair costs.

 

 

9 non deductible special risks -- matching terms automobile physical damage insurance and commercial three party insurance. The accident is not on the insurance, insurance companies will be deductible, certain, generally unilateral accident or full responsibility in the accident will take 20%.

 

 

　　

 

 

10 new equipment loss insurance

 

 

New equipment loss insurance is responsible for direct damages vehicle collision accidents on the car of new equipment. The new equipment is in addition to the original equipment vehicle, the owner added equipment and facilities. Such as: CD, DVD and video equipment, GPS vehicle positioning terminal, leather or the electric chair etc..

 

 

Two, the insurance companies and insurance options

 

 

In Chinese territory bear the vehicle insurance company or a large number of. Nationwide, we compare the understanding of the insurance company has the following a few, such as the people's insurance company, insurance company, Pacific Insurance Company, insurance company and so on. The second is the insurance company, Du Bang insurance company etc.. There are China life-insurance company also joined the vehicle insurance business.

 

 

The two insurance companies also have a lot of home, there have been people's insurance, Huaan, China and Thailand, peace, the Pacific, the earth, the sun. Combined with the experience of myself and the other around the relationship between people, insurance companies for large claims will be in place in time, there are few prevarication phenomenon. Small insurance companies in the case of claims action slow. There are different Kan loss is commissioned by the insurance company, is the corresponding procedures more complex. But many two insurance companies for compensation than large insurance companies more actively, at least in the capital city which is in most cases.

 

 

General insurance purchase basically divided into three kinds of ways to buy. The most common is the local insurance employees take the initiative to sell. This kind of insurance benefit is that in the event of an accident, can directly find insurance personnel to help you communicate the loss of some different views or opinions. For example, the author once because the front windshield replacement costs and loss of personnel have differences and disputes, immediately and insurance purchasing personnel contact, through his coordination, soon let both sides to quell the dispute, the author also better safeguard their own rights and interests. But the point is, this kind of insurance cost is generally higher than 10%-15% other forms.

 

 

The second category is the emerging Internet and phone insurance, the insurance company has a web site, as long as you fill in the relevant information and contact each other, the insurance company will take the initiative to contact you. There are many insurance companies will take the initiative to contact the owner. Such things, the year before the expiration of a period of insurance was encountered many such telephone. As to how your information by other insurance companies understand, this is the competition of knowledge. This kind of insurance will be cheaper, corresponding to higher discount. To the owners of saving the expenses to buy some insurance, but the disadvantage is the lack of communication. Old owners who are familiar with the insurance, buy this kind of insurance is more appropriate, not familiar with the novice, caution is advised to buy.

 

 

The author also encountered the similar situation, high bass speaker damaged in the collision, 4S shop price is 160 yuan to replace the two speakers. Insurance can damage the personnel at the approved amount 140 yuan, looks no difference. Finally, the actual payment to the hands of only 80 yuan. Virtually alone lost 80 yuan. Bumper damage also can repair the repair, no matter how fixed on the clamp rod damage insurance. Steel beams even insurance rod and repair do things carelessly, finally the author determined not to agree to just forget about it. For those beginners, anticollision beam repair is repaired, but they don't know, anti-collision steel girder straightened has lost strength, no security protection, is at best a decoration. Don't see people insurance company is large in scale, but the fool rookie have as good a.

 

 

If you think 4S shop price too high, I can tell you, buy a pair of speakers in 4S shop outside of the accessories shop to 120 yuan, and paid the price still has as much as 40 yuan. If the user dissatisfaction, surveyor will take you to repair their auto repair factory. Look at the car factory repair environment, and there is no difference between a roadside shop. Here the car, if you are not familiar with, have a look they built other car action you will fear the car suffer. A big insurance company repair plant chaotic environment in any case is some ideal owner cannot tolerate.

 

 

Third types of 4S shop generation buy or unit collective purchase insurance. In the convenience of 4S generation buy is not paid in advance repair costs, putting the car 4S, damage, claims, repair, invoice insurance companies, all in one service is completed, most cases do not worry. The only drawback is the cost to buy a head taller than the other way. Because this intermediate 4S to commission in the insurance fee. Flexibility is, if 4S in order to fight for customers to buy a new car, will also make concessions in the insurance piece. This is Sun Wukong seventy-two, different practices around the around. I can explain it.

 

 

Unit collective purchase insurance is good, low cost, insurance companies will be more claims have, after all, to consider the future of the insured interest. Not like the personal square accounts in every detail to policyholders. But now the country of linked units of auto insurance has the strict stipulation, the occasional claims payment to the unit, the individual who more troublesome things.

 

 

After buying insurance to insurance policy, please take half an hour of the policy and insurance clause seriously read it again. I dare say, more than 90% of the owners did not carefully read the terms and conditions of the insurance. If there is no time, or at least to the "exemption" and "be seen again the insurer obligations", because the decline reason of the insurance companies are from the two pick out.

 

 

Three, the new car to purchase insurance?

 

 

The new car insurance is natural to complete a little, but not too blind. To correctly select categories according to their actual situation. Generally speaking, the spontaneous combustion risk do not need to buy. I met an acquaintance Miss Xie bought risk of spontaneous combustion, the results due to the new circuit and poor quality leads to spontaneous combustion, but the insurance company does not pay. Because spontaneous need identification. The new combustion certainly unreasonable, if circuit problem modified not cars or private words, 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, not 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

 

 

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 car insurance: insurance to pay strong (Bi Bao) + third party liability insurance and vehicle damage insurance, non deductible and risk of spontaneous combustion

 

 

It is worth pointing out, car buying car damage their best 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. Mr. Li has been a friend, according to 100000 yuan new car purchase price to buy insurance. He is one of the 2006 models, the results in July, the car crashed on the highway, but is only slightly injured, no repair may. According to the new deducting depreciation after the insurance company will compensate 50000 yuan.

 

 

The third party liability insurance is complementary to make strong, specific coverage suggested in 100000 above, is not the more the better. For example, you 500000, if the accident in the loss of about 100000, the police found your liability ratio is 50%, the insurance company will compensate for 50000 yuan. As for the other party if accidents, to pester you, the insurance company will not easily pay for him. If the premium prices low, buy more is no problem. The 200000 is the most suitable.

 

 

Three years the owner Mr. Cai to separate glass broken danger only, this kind of insurance price is not high, but it often run high speed road he is very practical, because often flying stone break before the file, a replacement to hundreds of yuan. And this kind of insurance premiums, only a few dozen yuan, is worth purchasing.

 

 

But she was very concerned about the risk of nick. For her the value of the 300000 car, often children or practical joke adults scratch hard objects. Let a person feel heartache. After the insured risk of nick. These problems can be solved very well. Just go to the 4S complement of paint on the line. The cost borne by the insurance company.

 

 

Four, the new master how to buy insurance?

 

 

Many novice just take a driver's license to buy a car, 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 I generally recommend buying a few more 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.

 

 

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.

 

 

Car advocate at the beginning of this year just to buy a car, driving experience is not too rich, because the only person walking more. Own insurance personal insurance, so the seat is not important. But because of fear of accidents due to technical reasons, so the third party liability bought 500000.

 

 

In addition, Miss Zhang also bought a replacement vehicle rental fee additional risks, to prepare for the vehicle if after the collision, can get taxi reimbursement of expenses. For starters, if collision scratch in need of repair, the insurance can play the role of loss of compensation for traffic.

 

 

And don't forget, if you buy the vehicle damage insurance and third party liability insurance, also had better want to buy "non deductible special risks". This money is not much, but the effect is very significant. Because of some minor accidents could lose only hundreds of yuan, after deducting deductible amount, the compensation to the owners is not worthwhile. Especially for novice small accident frequently situation.

 

 

In order to reduce the risk coefficient, the novice can also buy the car seat and liability insurance. Worthy of note 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, non deductible special risks (car damage liability, three), 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, non deductible special risks (car damage, three.). Veterans can choose some of the scale is not too large insurance company. Not only the purchase of insurance is more economical, but also compensation for the accident are more active and not square accounts in every detail. For the novice, or for large scale insurance company is more cost-effective. After all, the lack of insurance experience, insurance company management more strictly formal. At the same time compensation is also more timely reassuring.

 

 

Owner Mr. Wang has 10 years rich driving experience, he is more important for insurance, third party liability insurance. After all, now the domestic traffic order is not very good. Pedestrians, motorcycle, electric car free shuttle in the road. So he most afraid of is an unexpected attack. So buy more third party liability insurance more secure. General vehicle and pedestrian collision accidents, the driver's responsibility to be big. So bear the cost of higher. Buy more. Even if the responsibility five five accounts, but also can protect the owner to smaller loss. So he covered every 200000.