To the year this continued insurance when, first searched around the opinion, form the preliminary idea, then call the peaceful telephone car insurance for the price of 4008000000, and then to research 4S shop on-site consultation, the final decision. The average family car service life by 10 to 15 years, the equivalent of 3 five year plan, the annual insurance expenditure accumulated is not a small number, therefore, need a good planning, improve the cost-effective, both to the economic, but also affordable, there was still quite knowledge, then throwing out a brick to attract a jade, speak their experiences.

   My principle is economic, practical and convenient, you can choose to sort, but also will enhance the insurance effect to the most important position, but the corresponding must assume more spending in the economy. The way to save money first to distinguish inside and outside of the system, it is the shop and shop, the shop is the choice of non cooperation with the 4S store's insurance company, discount will be lower, is said to have hit half off, while 4S stores usually call thirty percent off, the store and foreign insurance companies, the compensation valuation in general 4S stores do not down, to do a good job in other places, such as auto parts City, the roadside shop for repair. The shop insurance greater competition, is also the dragons and fishes jumbled together, strength, service and convenient and can be used as factors, generally do not choose the most expensive, as the saying goes, "no good cheap goods", claims and other customer service service does not keep up, the telephone, Ping An insurance is a choice, the phone can be insured, claims to the door, need their own pockets to repair, and then go to the insurance company business outlets. Apply this way to drive a relatively old owners, car use much wrong with not much, little scratch on the roadside shops can be fixed up, especially home nearby a repair shop, almost day can take the car, and the 4S store, not fast, the car was delayed several days, use. Of course, also have to consider appropriate outlets are convenient, such as home or work units near, and they usually have a certain degree of free time. The system of insurance, 4S stores each array, the pattern of competition based on the generalized including, although is the brand's cooperative insurance companies, but not in the repair shop on 4S insurance. Secondly, the shop insurance also have knowledge greatly, money saving tips two, one is the insurance, two insurance amount. Should be selected with optional categories are as follows:

   A, cross strong insurance: the so-called compulsory liability insurance, which is essential, otherwise the first buckle car, fill the risks, in addition to the equivalent of two times the minimum premium. Not with or without sticking cross strong insurance mark according to the provisions, will be imposed a fine of 200 yuan and 1 points in mind. Forged, altered or forged, altered the label of insurance, the fine is not cheap, had 1800 yuan. Look, you don't go with the money ah, don't forget to renew expired.

   Since February 1, 2008, 6 the following household auto compulsory insurance premium from the first 1050 years down to 950, according to the annual cumulative mean there was no responsibility for road traffic accidents, then every year since then in turn 10% discount.

   Two, commercial insurance: divided into two categories --

   (a) the basic insurance

   1, car caustic danger: the highest frequency of use, the biggest expenses, is also the most necessary to insure insurance.

   2, pilfer: only for the whole car without a local as well as the car articles. If the vehicle is mainly used for commuting and use in urban areas, and parking management unit is regular, and the city public security better, consider not cast the insurance. Because of parking, parking management more standard is strict, increase the difficulty of theft and theft, vehicle sales is said to the bus use, therefore, high-end commercial vehicles, such as Audi A6 is more popular. Of course, have been to crack the code model, is also popular. Most insurance companies for drunk theft as pilfer rush to deal with an emergency exemption treatment, so there should be a corresponding note. In addition, we should know the "insurance law" the relevant provisions, the insurance amount shall not exceed the insured value, exceed insurance value, excess is invalid, therefore, whether the car caustic danger or pilfer claims in accordance with the actual value of the compensation of automobile. From second onwards, the actual value of vehicle formula: vehicle depreciation amount = insurance accident car purchase price * the insured motor vehicle has used 0.6% months *. If the insured amount is higher than the actual vehicle value, in fact the exceeding part cannot obtain claims, though it may require the partial surrender, but if there is no corresponding claim case, the excess part is the insurance company into the capsule. In addition, to open your eyes and see the following year after pilfer the amount of compensation, no insurance company will be in accordance with the depreciation price adjustments, and different insurance companies will be the proportion of different compensation, if the amount of compensation is too low, obviously wrong, there is no purchase necessary.

    3, the three party insurance: essentially, the insurance is more important than to (the car) insurance. The so-called buy insurance, often is peace. Material damage, relative value measure, have limitation in most cases, and personal injury, changes are much greater. Therefore, we should include the following fourth items of personal injury insurance to retain a certain percentage. In view of the cross strong insurance coverage has increased from 60000 to 120000, so you can according to the actual situation, to consider whether the third commercial insurance, coverage from 50000 to 100000 is appropriate, the general.

   4, personnel risks: risks including drivers and passengers, the passengers full calculation to 4. Each cover 10000, 5 total does not exceed 150 yuan. If the driver I have cast other personal injury insurance business, can not choose the personnel risks (driver) a.

   (two) additional risks

   1, scratch risks: have been raised, if in the repair shop for 4S, suggest not on temporary car caustic danger, in need of repair, the joint resolution; conventional, two years of time, whole paint processing can be. Or, when necessary, temporary, can, because the risk of Nick doesn't equal with sudden and basic insurance, must be prepared in advance.

   2, glass insurance: down, but the probability is very small, especially in urban park walking, underground garage, external interference factors, suggestions don't vote for this. In fact, and the risk of Nick, again when needed against arguably too late, because the insured, do not need a car:) in addition, this risk is the breakage of glass, including a windshield glass and window glass. If the non single glass is broken, can be made of a car damage insurance payment, even if two times in ten years, the province of premium is basic to cope with, and there are tips to follow. As for the glass, there are domestic and imported glass insurance division, the price difference, reportedly made in China as well, which required a personal.

   3, the spontaneous combustion risk: the new general even the insurance company salesman is not recommended to buy, this is a deliberate exposure of their humanity, does not need much to buy.

   4, Wade risks: risks are similar with the glass. Due to lightning, heavy rain, floods, hail, tsunami, killing all insurance motor vehicle or a part of the loss, may be required to car damage insurance payment. The insurance companies have agreed to "lead the engine inlet of engine damage except" on the exemption clause in the insurance contract, the insurance is for individual engine "wading" situation, in the surface water and the water started damage will be paid by.

In fact, in the rainy days, when the car into the water caused by flameout, if not forced ignition to engine damage, this risk has no use. This risk in wet places showing only a certain necessity, even in the underground drainage system is not very developed city, rainstorm attack one or two times a year, if you drive carefully, the general can also take it calmly.

   Additional risks, as well as the car luggage loss risk and tire insurance losses alone and other optional insurance, little probability to appear, as long as there is at least the alertness, usually can be avoided, and some types of estimation is also passing thing, how to prove the value of the goods (of course, but also by the insured amount limit), and reporting procedures, not too easy to achieve, so the insured or not overdo sth., his caution is the real solution.

   In the insurance business, can not be ignored franchise special insurance, insurance has a corresponding non deductible, some additional risks also have the corresponding non deductible, such as scratches. A non deductible effect, might as well gives an example: if the owners bear full responsibility for the accident, the insurance company will deduct 20% franchise from the indemnity of insurance, if the owners of non deductible insurance, will receive one hundred percent of the payment. In view of the affiliated non deductible amount is not high, strongly recommended or supporting the purchase of.

   As for another way to save money, insurance amount, about the depreciation of the statutory formula as shown in two (a) 2, the standard for settlement calculation, most insurance companies in the owners insurance, not to implement this standard, will not make the corresponding reminder. On 220000 new car purchase price of more than 20000, the annual depreciation, generally can accept, unless requested drop too low, the insurance company will be limited, however, there are few companies are in accordance with the statutory valuation depreciation formula, therefore, cannot adjust. The insured amount after the depreciation to sell the car price and valuation is different, do not be afraid of the transfer effect. As long as careful driving, travel less chance, so the probability of full responsibility for one's own low, even with the car damage larger, mainly from the other party's responsibility, from their own insurance to pay, therefore, after depreciation amount sufficient to deal with.

   The above is the auto insurance considerations, man may according to own actual situation tailor, which required. In addition, there are several tips: the shop piggybacking make the renewal, the maturing insurance amount is exhausted, such as car damage, scratches, Jin renovation, or expire Oh; if the inner cordon the claim amount than last year the insurance company, in the new year will not get any discount, this option is for the insurance company, in the same 4S store, there are generally 2 to 3 insurance companies to choose from, mostly is the most well-known company, discount is consistent, details have certain distinction, time can be a little contrast to decide, but let you in on what claims to the insurance company to save money, thirty percent off is the top end of the discount, will not be dropped, deliberate control or distressed claim payment, meaning is not too large; in addition, should try to reduce the number of repair payment, one is to avoid to run back trouble, and insurance companies under one year fixed rate factors; the insured is a gift or feedback value, such as a maintenance free hours fees gift certificates, each worth 100 yuan, remember with the clerk put Oh; now 4S shop for customers For lunch, if near noon haven't done, do not have to hurry to leave, let the living to the salesman, eat a meal, rest and then to; some brand 4S shop can be reimbursed quota taxi fee, you might as well ask; to store the renewal, the maturing insurance the amount of exhausted, such as car damage, scratches, Jin renovation, or expire Oh; if the inner cordon the claim amount than last year the insurance company, in the new year will not get any discount, this option is for the insurance company, in the same 4S store, there are generally 2 the 3 insurance companies to choose from, mostly is the most well-known companies, rate the same details, have certain distinction, time may be slightly compared to decide, but despite how you save in the settlement of claims, each of the thirty percent off is the top end of the discount, will not be dropped, deliberate control or distressed claim payment, meaning is not large also; in addition, should try to reduce the number of repair payment, one is to avoid running back and forth, one of the factors of annual fixed fee and insurance company.

   PS. private purchase a car and car fee table

   A new car, first purchase cost = bare vehicle price and purchase tax + insurance + travel tax + examination fee + licence fee + maintenance (+ Jushi fee) 

   According to the order of, one small part is one-time expenditure, such as the bare vehicle price, purchase tax, license fee and jushi.

   (a) bare vehicle price: different 4S stores offer different, remote operating point, especially suburban preferential more. The most suitable is the direct reduction of the body, because the tax and insurance can benefit from. In the premise of a one-time payment, the discount rate is greater, but for the mortgage, the mortgage period to take a little interest, in view of family cars are consumer goods, from the idea to try to control the expenditure is appropriate, therefore, according to our capability, not the best mortgage. In addition to price concessions, in general there are a variety of objects can be donated, the conventional key ring, perfume, when engaging in activities in the store, and edible oil, beverage, umbrella and other goods delivery. After a license, second times back to the store to get ceremony, is likely to send a box of oil, remember to ask.

   (two) the purchase tax: includes 17% of the value-added tax, excluding VAT pure car worth 10% purchase tax, consolidated, purchase tax equivalent to bare vehicle price 8.5% tax rate.

   (three): a one-time payment of mortgage insurance on on insurance requirements, generally have different rate.

   (four) the use of tax: 480 yuan / year, from the vehicle registration certificate or driving license records date on the first purchase a car to pay the travel tax, travel tax must first to the designated place, then can go to the bank to pay at.

   (five) the examination fee: Beijing new car purchase within six years, every two years a vehicle safety inspection. Testing fees 75+ inspection certificate fee 58=133 yuan. For their own, most have grey expenditures, but expenditures is generally not too high. The 4S store is sent with the card, provide all in one service.

    (six) the licence fee: small expenditures, the car frame of general value 100 yuan a set (around two), can not do, to auto parts city interior to buy, plate 100 yuan, 15 yuan, driving license and registration certificate of 10 yuan.

    (seven): Beijing to collect fees, 22 yuan / every month, the general car is 5 seat, 110 yuan a month, a year 1320 yuan, can the month is handed in, also can make a few months or a year. The time when the first payment above, must also be to the designated place, the future can be to the postal savings bank to pay.

    (eight) Jushi costs: in general, the vehicle licence after processing is appropriate, otherwise it might be inconsistent inspection requirements. Contains added or modified appearance, interior floor glue on the mat, with reversing radar, GPS navigation (if there is no corresponding configuration, and this need; generally do not have to buy, in the 4S store to City auto parts can be fixed up), and car decorations.

   Two, transport cost = fuel surcharge and travel tax + hMT + insurance + examination fee + repair and maintenance fees and parking fees + unexpected expenses

     The car costs, fuel costs accounted for the largest share of. Travel tax, maintenance fee, examination fee, parking fee is a fixed cost, belongs to the hard costs, even if the vehicle is not in use and also have some overhead. The first part above and repeated omitted, all are as follows:

   (a) annual fuel cost = average annual mileage, fuel consumption per hundred kilometers fuel prices 100 * *

    (two): 4S shop purchase a car repair and maintenance fees, provide free guarantee, the future is required every 5000 km of a maintenance, among them a replacement of oil and filter, a check and clean the air filter, adjust the throttle cable tension, two kinds of maintenance of alternating. At a later stage use the vehicle with the ageing condition, maintenance and repair costs accounted for the proportion will gradually increase. Along with the increase of traffic mileage, the use cost of the automobile will increase year by year, among them, fuel consumption is also rising.

   (three) parking fees: fixed parking fee is better measure, general is home and unit parking, temporary parking is not budget. Long-term fixed parking for free treatment, it is the most interesting. In the underground parking spaces available, suggest to spend money, stop to the underground. Summer is not affected by exposure, not afraid of the winter cold, out of a block, save a lot of use of air conditioning of fuel consumption, and helps the car paint maintenance, can avoid man-made scratch, keep the floor area of the environment clean and tidy, what is there against it. Underground parking access time is 50 years, to buy time to pay special attention to this difference, and each month and residential, must pay property management fees, so might as well play abacus, have a look to buy or rent right. The rainy and typhoon rainstorm area to visit, underground garage flooded situation may occur, the general conditions, appropriate priority level (not open) car.

    (four) unexpected expenses: usually cannot be predicted, such as violation of traffic regulations will be fined, bridge tolls, insurance without involving the claim.

   In addition, a home purchase a car, should have the right idea, today's car, the main function is as a means of transport, the nature of consumption rather than investment, once a car, which bring sustained expenditure, therefore should be to buy -- do you want to buy, buy what. At present, the choice of car is basically in Germany and Japan, the United States, Britain, South Korea, method, significance and local. As gasoline prices rise again and again, fuel consumption is an important index, the price is also shall remain free. The price is not simply equal to the valence ratio, a measure of price should be considered from the technical content, the quality of the products, services, prices of spare parts, used car residual angles. Germany is the vehicle excellent technology, real, and most rugged, appearance change is less, a little aesthetic fatigue, interior process a bit short, but used car residual is the highest. Japanese car relatively fuel-efficient. It should also be the hybrid car, hope this concept car generally gradually can achieve some of the functions of. American cars because of its domestic market had not affected the development of the engine, on fuel saving has been relatively stagnant. The law according to different production, different emphasis on national sales area.

   Level from the point of view, in the chosen range of, high level and low level low profile high profile car often cross situation, and in the same car also exist in different configurations of price discrimination. Personally I think, high grade low configuration is preferred. A car to buy is the heart, heart is the engine, transmission and chassis, this great relationship with the brand. All kinds of configuration and increased costs in general is not proportional, is used to expand the profit manipulation. The same money not the same effect, but this is Different people, different views. approach, is based on personal preferences and other factors to decide.