Man loses his hand, horse loses hoof. There are more and more cars on the road, and if you are not careful, traffic accidents may occur. If you hit a Million Luxury car, you may face millions of compensation. Therefore, after buying a car, many people will buy an insurance for their car at the first time, in case of collision, they can reduce their losses. But how to buy car insurance is the most cost-effective and cost-effective, many people do not know.
In the first year of buying a car, most people will buy a full insurance for the car. Because everyone who just bought a new car is very cherished, the operation of the car is not skilled, and I don't know what kind of accidents will occur. In case of vehicle failure, the coverage of the full insurance is higher and you can feel more at ease.
After becoming a little more familiar with the car, everyone's attitude towards the car will also change a little. And after a year of experience summary, everyone also knows which aspects of insurance are used more, so when you buy insurance, you don't want to buy full insurance. After all, to buy full insurance, the cost is relatively high, and buying a few less insurance types can save a lot of money.
How to buy car insurance is the most economical and cost-effective?
Car insurance that must be purchased: Compulsory traffic insurance
Compulsory traffic insurance is an insurance that everyone must buy, because mainland law stipulates that every car owner needs to purchase compulsory traffic insurance, and cars without compulsory traffic insurance cannot be on the road. The role of traffic insurance is to allow the owner to obtain a basic insurance claim when the vehicle is involved in a traffic accident.
The charging standard of compulsory traffic insurance is uniformly priced according to the number of seats of the vehicle, and the cost of compulsory traffic insurance for models with less than 6 seats is 950 yuan per year, and the cost of vehicles with more than 6 seats is 1100 yuan per year. However, compulsory traffic insurance is not fixed, if a traffic accident occurs during the insurance period, when the insurance is paid in the second year, the fee will be raised, and the maximum range can reach 30%.
The second recommended option is for car owners to purchase three-way insurance
Three-way insurance is a kind of insurance that compensates others, and this insurance comes in handy when you hit someone else's car on the road. The sum insured of the three insurances spans a wide range, the lowest is 200,000, and the highest is 2 million. Now after the reform of insurance rates, many people will choose the three insurances of 2 million yuan, and the annual cost is about 2400 yuan.
The third is the non-deductible
This is also a very necessary type of insurance, many insurance in commercial insurance has a deductible, and some of the money has to be paid by the owner himself. If the amount involved is relatively large, the owner's own money will not be too small. For some people who are not economically wealthy, the pressure to come up with so much money at once is not small. Buy no deductible insurance, the additional main insurance can be fully indemnified, but also to reduce some pressure on the owner.
The fourth is wading risk
Wading insurance is actually a very necessary insurance for car owners in the south. In the summer, the southern rain is relatively abundant, if there is too much water in the ground area, the vehicle will cause damage to the engine, which will cause great damage to the vehicle. If the owner of the car has purchased wading insurance, these losses can be compensated by the insurance company.
There are many kinds of commercial insurance for automobiles, and car owners will be very entangled in the face of a variety of insurance types. In fact, buying car insurance is not a very complicated thing, we usually use the car situation and the number of luxury cars in the city, choose a few insurance that may be used in the usual way. This will not only ensure our travel, but also will not increase the cost of our car.
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