For novices, the best insurance model is: Jianqiang Insurance (must guarantee) + third party liability insurance 200,000 + vehicle loss insurance + no schedule + non -exemption amount, if necessary, you can appropriately insure Insurance, as for the purchase of insurance companies, in fact, several insurance companies on the market are not bad, and they can choose nearby.
Which insurance company is better for car insurance
Nowadays, the more well -known car insurance companies in the industry are nothing more than Ping An Auto Insurance, PICC Casualty Insurance, and Pacific Auto Insurance.
The biggest feature of PICC’s insurance insurance is that the difference between the institutions of each level is relatively large, which makes some people exaggerate the insurance insurance insurance on the heavens, while some people oppose it and degrade one text. In fact, otherwise, the people at the city level at or above the city level are quite good, but in the industry, it is second to none.
The advantages of Ping An Auto Insurance: Telephone insurance and online auto insurance are developing rapidly, and the industry is the first preferential policy of “private car commercial insurance saving more than 15%”. Ping An telephone auto insurance and online auto insurance can be said to be the fastest in the industry, and the quotation can be obtained in 1 minute. If you usually have less time, try Ping An online auto insurance.
Advantages of Pacific Automobile Insurance: The price is cheaper. The price of Pacific Automobile Insurance is the cheapest of the three largest insurance companies to send the policy to you for free within 48 hours. The claims and services are also good. If you want to save money, it is also good to choose Pacific Insurance.
How to buy car insurance is the most cost -effective and cheap
In addition to the strong insurance, other commercial insurances must be purchased according to their own requirements. I have compiled several combined insurance for everyone for your reference:
1. Basic guarantee type:
Combination of insurance types: intensive insurance, car damage insurance.
Applicable object: old car or car owner with good driving skills
Features: Moderate costs, guarantee basic risks, related claims occur, and can only receive partial compensation.
2. Economic security:
Combination of insurance types: integrated insurance, car damage insurance, three insurances, and basic insurance are not exempt from compensation
Applicable object: Careful riders
Features: The most cost -effective, the most concerned risks that car owners are most concerned about, and the premiums are not high. The danger is practical.
3. The best guarantee type:
Complex combination of insurance: intersection insurance, car damage insurance, three insurances, basic insurance, exclusive compensation, car personnel liability insurance, car stealing rescue, glass crushing insurance alone, scratch insurance.
Applicable object: novice or high -end new car
Features: The value of insurance is great, but it is worthwhile for novices.
Auto insurance purchase principle
Principle 1: Priority to buy a full amount of third party liability insurance. When buying a car insurance, you should keep the ability to compensate others for losses first, otherwise it will only be helpless after the accident.
Although the function of the third party liability insurance and the intersection insurance almost overlap, they are used to pay the other party’s medical or compensation costs after the car owner’s car hit someone. However, from the current point of view, the guarantee capabilities of Jianqiang insurance are limited, and it is difficult to cope with major people’s injuries. Generally, it is still necessary to buy third party liability insurance.
Principle 2: The insurance amount of the three insurances should be referred to the compensation standard for the location. The compensation standards in various places across the country are different. According to the highest standards for auto insurance compensation, if 1 person dies, the highest compensation in Shenzhen can reach 1.5 million yuan, and the highest may also exceed 600,000 yuan in Hubei region. It is recommended that the owner look at his old insurance policy. If the insurance amount is insufficient, it is recommended to insure at least 200,000 and 500,000 insurance insurance.
Principle three: After buying a full car, after the car is dangerous, then buy the car damage insurance. If there are no other accident insurance and medical insurance owners, they buy 100,000 driver insurance as medical expenses for themselves, and are responsible for their families; if passengers have a high chance of ride, they can insure passenger insurance, 50,000-100,000/seat, and be responsible for their families and passengers. Essence If the chance of ride is less, it is more economical to keep 10,000 per seat.
Principle 4: After buying a car damage insurance, you can buy other types of insurance. Traffic accidents are often accompanied by cars damage. The car repair fee cannot be underestimated, and the guarantee for car love is also important.
Vehicle loss insurance is the most widely used type of insurance in vehicle insurance. Whether it is an inadvertent small scraping or a small scraping or a serious damage to the car. As long as it is within the scope of insurance liability cost. However, there are also various exemptions of vehicle loss insurance. Therefore, before the insurance, the owner should carefully study the various terms of the vehicle loss insurance and grasp the content of the vehicle loss insurance to avoid being misunderstood by the claim.
Principle 5: The desertation of the three insurances of the three, the driver’s seat liability insurance, and the car damage insurance. Spending a little more money, let the insurance company compensate not to discount.
The so -called non -income insurance insurance is “excluding special liability insurance.” The deductible special liability insurance is divided into two types: basic insurance, regardless of exemptions and additional insurance. Basic insurance is the main insurance of the vehicle and the third party liability insurance regardless of the main insurance. Additional insurances corresponding to additional insurances such as “scratch insurance” and “theft and rescue”.
Principle 6: Other types of insurance are selectively purchased in combination with their own needs. For example, the risks such as theft of rescue and the crushing of glass alone, relative to the first five risks, the impact on family happiness and property is not as serious as the first five risks. In the case of ensuring the preceding five principles, the principle of the sixth middle school is the sixth middle school.
Precautions for buying car insurance
First of all, the dealer should pay special attention to the car insurance on behalf of the car. They only see which insurance company returns a lot, and will not consider your interests. Generally, it is an insurance company with poor reputation services, and you will choose the policy of district and county. In case of insurance, you will find that you have entered a long -distance running time and distance.
You need to pay attention to the insurance bill on your own, asking for clearing the place with all levels. The insurance telephone general insurance company will seal on the policy and inform the policy. It is better to call the insurance company when the insurance report is reported. The insurance company will enter the computer to record for future reference.
It is important to choose an insurance company. The quality of service is absolutely different. The time limit is much worse. Some energy consumes you. point. After getting the policy, you should call the insurance company’s service phone to confirm the authenticity and effectiveness of the policy. There have been fake policy incidents and have to be guarded.
1. Are you buying the same way in car insurance?
Traditional car insurance purchase channels are purchased through the counter. However, this method is usually time -consuming, and there is no discount. It is more suitable for users in the unit because there are more cars in the unit.
Easy Insurance Insurance Online Automobile Insurance is very good, cheap and convenient. Many brands of insurance companies have services for car insurance, and their prices are cheaper.
2. What kind of insurance is it cost -effective after using the car for six years?
Under normal circumstances, if your car already has a certain period of use, it is essential to pay strong insurance, third party liability insurance, and car damage insurance. If necessary, you can add some stealing rescue, excluding compensation insurance, etc.; If it is a new car, etc. It is recommended to choose full insurance, generally include strong insurance, third -party liability insurance, vehicle damage insurance, car personnel insurance, and non -compensation insurance. Of course, if necessary, other insurances such as theft and rescue should be added.
In addition, reminders of car owners and friends should predict what risks they may encounter when choosing motor vehicle insurance, and then buy car insurance products as needed. The correct insurance method is: Everyone who adapts to your vehicle should be insured and insured to ensure that in case you get enough compensation from the insurance company.
3. What is the relationship between commercial insurance and premiums?
No risk for three consecutive years: 4.335 % off, for two consecutive years, no risk: 5.058 % off, no risk a year: 6.141 % off, once in the previous year: 7.225 % off, last year’s danger 2 times: 9.03 % off, last year’s insurance 3 times last year, 3 times in the year 3 times : 108.38%float, 4 times last year: 126.44%, and 5 times last year: 144.5%.