Cars have become a necessity from the past, and car insurance has become the most indispensable part of our daily expenses.
Every year, as long as your car insurance expires, there will always be various calls from various companies to call you, to calculate the rate for you, to recommend products to you, many people think this thing is very annoying, but there is no way to avoid this kind of thing.
Many people are also thinking about how to configure car insurance in the end is more cost-effective and reasonable.
From the perspective of car insurance configuration, it is not so detailed now, and various types of insurance were previously split and sold, and now basically the responsibilities have been unified.
This main benefit is the new car insurance regulations issued on September 18, 2020, which all the previous additional insurances such as theft, glass breaking, scratches, etc. are all incorporated into the car damage insurance, so now your car insurance as long as you buy car damage insurance, as long as your car is in normal insurance, the insurance company can compensate.
Next, let's talk about the configuration of car insurance.
Traffic insurance is the most basic, if you do not hand over compulsory insurance, you can not go on the road, you can not check the car, so this is mandatory, there is no need to consider the things that cannot be done.
Third-party liability insurance, this must be bought, and the best insurance amount is more than 1 million, third-party liability insurance refers to the insurance that causes third-party property damage and casualties because of their own reasons. Now there are so many luxury cars on the road, in case of a little accident, if there is no third-party liability insurance, it can only be paid by yourself to compensate others.
There is also how much money is needed after the occurrence of casualties, I really don't know, if there is a third-party liability insurance, as long as the amount of insurance is sufficient, the problem is not big.
The most critical thing is that if you do not have third-party liability insurance, if you cause some legal problems in the future because of your reasons, you can only think of your own way to deal with it, if there is third-party liability insurance, and the amount of insurance is high enough, the insurance company can help you cope, including legal disputes in the future Only, the role of the insurance company is very large.
Car damage insurance, this is after the occurrence of an insured accident, the cost of repairing your own car, if you feel that your car is not worth much, even after the accident, you can afford the relevant repair costs, you don't want to go on, if you feel that you can't afford to repair the cost, then you buy car damage insurance, as long as an insured accident occurs, even if the car is completely damaged, the insurance company will also compensate you according to depreciation to compensate you for a sum of money, reduce your loss.
How to buy car insurance is the most cost-effective
The best way is to shop around, since there are so many companies to call you to sell car insurance, you let them all make a quote, and then go online to quote themselves, you see which one is suitable to choose which one.
As for the services provided by insurance companies, if you pay more attention to after-sales service, such as trailer services, refueling services, car inspection services, etc. These value-added services, you look at the large insurance companies. Large companies in general are high rates, but their service is indeed better, this main benefit is more with their outlets, after-sales service personnel are also more.