To be continued over second years insurance riders! (how to buy car insurance)

I purchase a car almost a year. immediately faced insurance renewal problem, the what, do not need to protect what, don't know!

Has been very fan MangDo not know the clue

Then consult friends, access to relevant information on the Internet. The insurance scheme

See an article written in more detail on the Internet. At least I see recommended to everybody have a look..!I hope useful to you!

How to buy car insurance:
The administrator of the business to get a regular place or insurance company confirmed the business of insurance companies in insurance, buy insurance process, choose to buy insurance type and quantity is.
　　
first, third party liability insurance is the national majority of provinces, city, autonomous region of the statutory requirements. Car caustic danger for the damaged vehicle's guarantee insurance. On this basis, we can choose additional insurance, other such as: pilfer, breakage of glass, car insurance, car
Cargo liability insurance etc.. If you can guarantee insurance all keep together, then the insured receives the security is the most comprehensive, but because it is according to different charging categories and amount of coverage, so the insurance coverage required more, insurance fee more. Therefore, according to the different models, combined with their own needs, choose the part of the required types of insurance is a reasonable way.
　　
The insurance amount of car how?
Insurance vehicle amount according to the new car to purchase price. The amount of insurance loss of vehicle insurance, car value or actual value can be determined according to the insured. Can also be made of the insured and insurer agreed, but the insurance amount shall not exceed the insured value, more than part of the void.
　　
The driver, passenger insurance tips
The driver and passengers accident insurance is not insurance must be insured, you can choose according to the actual condition of the insured:
1, if your car is basically only one ride: driver, can only cover a seat. The insurance fee is 90 yuan.
2, if your car is often have two or more than two people ride, can 5 all insurance, 50 yuan each, total 250 yuan; if only to cover the 2 seat, 90 yuan each, a total of 180 yuan. In comparison, or 5 of all insured value.
3, if often to drive or ride in your car, already covered by other types of person accident injury insurance, there is no need to insure the driver and passengers accident insurance, because of duplicate insurance is invalid.
　　
The third party liability insurance covering tens of thousands of appropriate?
the insurance third party liability insurance optional 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and six grades. The premium is 1040 yuan respectively, 1300 yuan, 1500 yuan, 1730 yuan, 1820 yuan. Protect 100000 yuan more appropriate, can meet the general accident. The 50000 Yuanlve less. A small accident enough, bigger accident will not be lost. That requires driving should be careful, do not hit. Protect 200000 yuan basically can sleep without any anxiety. But don't intentionally accident, that the insurance company will decline. Our advice is: third party liability insurance to protect a little, don't wait until not lose the only regret not guaranteed.
　　
The insured to the insurance company or get a Proxy Companies?
Directly to the insurance company insured benefits: more reliable; the shortcoming is: what thing to yourself, no matter insured or claim. Find a Proxy Companies is good: good service, the insured to the door, the claim is willing to help; disadvantages: is unreliable. But you may not know, in Beijing there are about 60% of the auto insurance is provided by Proxy Companies. Whether you like it or not, Proxy Companies are imperceptibly to deal with you. It is a Proxy Companies, so a few years this steam car insurance services have improved significantly. Good choices are: to find a bigger Proxy Companies to insure.
　　
Audit policy
since April 1, 1999, the national unified use China CIRC reunification producer insurance documents of similar blank, the original insurance company printed documents since May 1, 1999 to stop. When you receive insurance documents, must carefully check the documents, have a look whether the triple used white carbonless paper printed and reprinted Brown anti-counterfeit shading, the upper left corner is printed with "Chinese Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in XX Province (city, autonomous region) sales" words, and if not, may refuse to sign.
　　
The old should be the price of a new car insurance body loss insurance
According to the price of a new car is body loss. Because no matter new or old, repair should be replaced with new parts, new and old car is the same in after damage repair costs. If the actual value of the insured vehicle damage insurance, the premium is significantly less than the old car, it is not fair to insurance companies. While the pilfer and spontaneous combustion risk of loss is according to the actual value of the insured, new and used the premium is different, therefore the claim for compensation after is not the same - car payment, income compensation; old pay less, less income compensation.
　　
How to determine the amount of insurance car insured Daoqiang Xian and natural loss insurance?
For pilfer and natural loss insurance, the insurance amount used by the insurance company and the insured negotiation in the actual value of the insured vehicle is determined.
practical and value of used cars is the same type of vehicle according to the insurance market new car purchase price (including vehicle purchase surcharge) minus the car has been determined after depreciation. The depreciation rate according to the relevant provisions of the state (every year after year depreciation). The actual when the insured vehicle value is higher than the purchase a car to purchase a car invoice invoice, determine the amount of insurance.
　　
When the insurance accident occurs, not only the implementation of 20% of the deductible franchise, but according to the actual value of vehicle insurance paid to.
as, a new car for $300000 Honda accord, 2 years minus depreciation: 3030 x 10% x 2 = 240000, only by the 240000. Once stolen, the insurance company the amount of compensation: 2424 x 20% = 196000.
　　
Spontaneous combustion risk of loss is not necessary to cover?
spontaneous combustion risk responsibility scope is narrow (only for the circuit or circuit for vehicles to cause combustion losses), rate of high value, insurance. In reality, a spontaneous combustion accident is very small, more than 100000 yuan in high-grade car spontaneous combustion, less. The vehicle ignition if associated with the design or quality, we can find manufacturers claim. So, not necessary insurance risk of spontaneous combustion.
　　
Pilfer alone cannot be insured?
pilfer rush to deal with an emergency must be insured against additional risks, only after the loss of vehicles. Not the insured vehicle damage insurance is not insured Daoqiang xian. If the violations against, finally is invalid. 1998 in Beijing have done, the owners can not obtain compensation.
　　
Collision not recovery protocol
collision without recourse agreement an insurer. If the signing of the agreement the insurer insured vehicle collision. To suffer damage, the insured pay up to their underwriting body loss, no legal recourse, is legal costs can be avoided, a lot of work can be saved, the premium can be kept to a minimum.
　　
Vehicle to buy insurance, transfer, change in use or the policy is lost, what about insurance?
contract during the period of insurance, the insurance vehicle resale, transfer to others the legitimate, the insured shall by industrial and commercial departments approved the invoice department to handle the transaction or in traffic management procedures, to the insurance companies to apply for correcting the insured name to have.
　　
when changing the nature or modified variant, the insured shall notify the insurer, and apply for correction of vehicle use or. Such as increasing the degree of risk, in addition to notify the insurance company, according to the provisions of the insurance premium should be paid.
　　
The policy loss do not worry, by the insured to carry on the proof to the issue of the policy insurance company to apply for a replacement
　　
Automobile insurance how to protect
Automobile insurance scheme
　　
　　
At present, the motor vehicle insurance includes 4 basic risks and 5 additional risk. In these 9 categories, in addition to the third party liability insurance is the compulsory insurance, other categories are based on the voluntary principle. Owners can be according to their own economic strength and the actual demand for insurance. The following are 5 motor vehicle insurance scheme, can be used as references for the owners of the insured.
　　
A minimum security scheme
Economics: the third party liability insurance.
The scope of protection: only liable for the losses of the third.
Applicable objects: just want to through the annual inspection of the individual.
Features: only the minimum security, low cost.
Advantages: can be used to cope with the license or vehicle.
Disadvantages: once meet with each other, each other's loss to get some of the insurance company, but his car loss only their burden.
　　
Two, the basic guarantee scheme
Economics: the vehicle damage insurance and third party liability insurance, liability insurance and the driver's seat passenger liability insurance
The scope of protection: only cover insurance WPA, does not contain any additional risks.
Characteristics: the cost is moderate, can provide the basic guarantee.
Applicable objects: a certain economic pressure owners.
Advantages: the highest necessity.
Disadvantages: not the best combination, plus non deductible special risks.
　　
Three, economic insurance scheme
Economics: the vehicle damage insurance and third party liability insurance, liability insurance and the driver's seat passenger liability insurance + non deductible special insurance + whole vehicle pilfer
Features: the most essential, the most valuable insurance.
Applicable objects: be very careful in reckoning the personal best choice.
Advantages: the most valuable of insurance, insurance cost effectie, missing and 100% people are most concerned about
Payment and other risks are guaranteed, the premium is not high but contains more practical non deductible special risks. Of course, the insurance scheme that is still not the most perfect.
　　
Four, the best guarantee scheme
Economics: the vehicle damage insurance and third party liability insurance, liability insurance and the driver's seat passenger liability insurance + glass insurance + non deductible special insurance + whole vehicle pilfer
Characteristics: Based on economic insurance scheme, combined with glass insurance, so that passengers and vehicles vulnerable part of security.
Applicable objects: Ordinary Company or individuals
Advantages: the insured value of insurance, not spend the money, value for money.
　　
Five, fully guarantee scheme
Economics: the vehicle damage insurance and third party liability insurance, liability insurance and the driver's seat passenger liability insurance + glass insurance + non deductible special insurance + no fault liability and spontaneous combustion risk of loss and the whole vehicle pilfer
Features: insurance against all risks, we can be prepared against want. Can guarantee insurance all insurance, quiet on the road, do not have to worry about the risks from the traffic.
Applicable objects: economic plenty of owners.
Advantages: with almost all auto related accident loss can get compensation. Insured persons do not have to keep a little insurance without compensation, to bear against fast decision-making misplay loss.
Disadvantages: full insurance premium is high, some insurance risk danger is very small
　　
　　
　　
　　
What are the skills of the insured
A vehicle insurance amount, according to the new car to purchase price. Insurance amount loss of vehicles, car value or actual value can be determined by the insured. But attention should be paid to the insured amount shall not exceed the vehicle value, disable because of exceeded share.
Two, the driver and passengers accident insurance, the insured according to the use of the insured a seat or a few seats, if more than 2 seat, 5 seat all the more cost-effective.
Three, the third party liability insurance for 100000 yuan, 200000 yuan, 500000 yuan and 1000000 yuan five grades, the premium is respectively 1620, 1950 yuan, 2340 yuan, 2570 yuan. In general, protect 200000 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, the general annual depreciation 10/1000.
　　
　　
Car insurance
If you buy a car, you'd better put the loss of vehicle insurance, third party liability insurance, liability insurance, car, car theft, the basic insurance insure against.
Attention should be paid to the insured, we cannot blindly to save money and not full insurance, also need not spend more money over insurance. Because the automobile insurance premium rates are fixed, so the fee depends on the amount of auto insurance. A wise choice is full insurance, vehicle insurance is worth it. Someone to save on insurance premiums and not full insurance, such as 200000 yuan car cover only 100000 yuan, in the event of an accident caused by the damaged vehicle, can not get full compensation.
　　
Recommend new need not buy risk of spontaneous combustion! Loss is smaller than 500W lottery probability
　　
Car insurance
If your vehicle is approaching obsolescence, it is recommended that you only to protect the third party liability insurance, because this kind of near period of scrap cars, poor condition, then put a lot of apparently less effective.
In contrast with not full insurance, obviously some people's hands is a used car, but the value assessment of 50000 yuan, but excess insurance, the sum insured for 180000 yuan, think oneself to spend a little money can get high compensation in the vehicle after the accident. In fact this is a misunderstanding. In fact, the insurance company only according to the actual loss of car insurance for determining the amount of compensation. In addition, if you have an insurance company in the full insurance, even if you re insured in an insurance company, it is impossible to get double indemnity.
　　
　　
　　
　　
　　
The insured should pay attention to what the problem
A, do not repeat the insured
Some self insured that cast a few more copies of insurance, the insured vehicle can be more than a few compensation. In accordance with the provisions of the "insurance law" fortieth article: "total amount of compensation insurance vehicle each insurer shall not exceed the insured value of the. "Therefore, even if repeated insurance policy holders, and will not be super value reparations.
Two, don't over insured or not insured in full
Some owners of vehicles, it is worth 100000 yuan, against 150000 yuan of insurance, think more money to pay. While some car worth 200000 yuan, but the 100000 yuan. These two kinds of insurance can not get effective guarantee. Basis "insurance law" thirty-ninth stipulates: "the insured amount shall not exceed the insured value, more than the insured value, the part in excess of invalid. Than the insured value, unless otherwise stipulated in the contract, the insured amount and the proportion of the value of the liability insurance. "So the excess insurance, not full insurance can not gain additional benefit.
Three, insurance to save
Some owners in order to save premium, want to reduce the risk of several, or only the car caustic danger, not to protect the third party liability insurance, or only the main risks, no additional risks etc.. In fact, each type has its own insurance liability, if the vehicle is really an accident, the insurance company can only be based on the original insurance contract assume insurance responsibility to pay, and some other loss owners may not get compensation.
Four, timely renewal
Some owners can not be timely renewal in the insurance contract, but the weather is unpredictable, if the vehicle is in the past few days out of the accident, not too late.
Five, it is necessary to carefully review the insurance documents
When you received the insurance documents, must carefully check the documents, have a look whether the triple used white carbonless paper printed and reprinted Brown anti-counterfeit shading, the upper left corner is printed "China Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in * * province (city, autonomous region) sales", if not you can refuse to sign.
Six, pay attention to the authenticity of the audit agent
The insured must choose the approval of the State Insurance Corporation insurance, and not only save map and find an insurance agent insurance, lured more cannot be called "high return", for the benefit of small and false agent when.
Seven, check the policy
After completing formalities to get insurance policy after the original, to check the policy the listed items such as license plate number, engine number, if there are any errors, to make corrections immediately.
Eight, carry insurance card
Insurance card should be carried with the vehicle, if the accident, shall immediately notify the insurance company and report to the traffic management department.
Nine, early renewal
Remember the date of insurance, advance for renewal.
Ten, pay attention to students "fraud" trick Mo
There are very few people, always want to insurance as a shortcut to get rich, such as some first loss insurance, some man-made accident accident, forge, alter, add some repair, medical and other invoices and proof, these all belong to pianpei range, is the law. Therefore, every car on these issues, don't play small "smart".
　　
　　
　　
The best insurance against non deductible special insurance
In the car insurance and third party liability insurance, the insurance company has in accordance with your's responsibility in the accident, only your actual loss compensation
The failure of the 80%-95% agreement, this could make you will produce relatively large loss in the actual gain compensation. The insured is not
Plan deductible special insurance, in these two categories to get you should bear the loss of 100% compensation.
　　
We have to buy insurance but you who really understand insurance, here to share with you some insider about our insurance
Seven factors car insurance premium
A, your driving record. In the past three years, you are illegal driving in the past five years or a fault in your hand
The traffic accident, determines your driving record levels. In conclusion careful driving, eating a ticket, no accident, your premium will be
Reduce.
Two, your car models. For all types of insurance company year car gives the risk value of different. Your car
The higher the value, or more popular (pilferage the possibility of damage), premium natural is higher, and the lower the cost.
Three, you use the way cars. You use the car more, means a greater chance of accidents. So the car every
Annual mileage is high, the premium will rise.
Four, the region that one lives. Different parts of the car theft, traffic accident or chance to be damaged, and this is the
Within the scope of insurance company concerned.
Five, the protected project. The insured has the full insurance, three insurance, minimum bottom fee, will also affect the premium level.