Zhizhao master: how to buy a new car insurance

How to buy a new car insurance
More and more people to buy a car, but people familiar with the new procedures do not, face a range of insurance, the premiums of different insurance companies, how should we choose the most suitable for their auto insurance products? »
TAC strong need to purchase insurance
In the Miss Feng said that auto insurance, according to the "motor vehicle accident liability compulsory insurance regulations", from July 1, 2006, all new vehicles and insurance renewal of vehicles due to be cross-purchase of vehicles insurance.
Most of the new car because the driver is a novice counterparts, Chuxian rate is relatively high, so insurance companies generally are unwilling to provide significant discounts to new cars. However, in the doctors, journalists, bank employees, civil servants and other professional staff in particular, insurance companies think they Chuxian rate will be lower than the ordinary car, so there will be some concessions, discounts are 8% below.
New car insurance should be "Qiuquan"
In addition to cross-risk insurance, the new owners need to buy the necessary commercial insurance, including Che Sunxian, three select insurance, Daoqiang Xian, car insurance, and other staff.
To the price of 15 million vehicles as an example, the insured person for 2,956 yuan Jusun Xian, the three owners can select insurance according to their own needs, select 50,000, 100,000, 150,000, 200,000, and so different from the sum insured. Select three different models based on risk, the premium vary, the most common of the following six passenger cars, 50,000 of the sum insured, the premiums are usually around 800 yuan; insured amount of 100,000, the premium 1100 Yuan about the amount of 150,000, the premium around 1,200 yuan.
Buy additional insurance, as appropriate,
Owners can also according to their own car and the actual situation of use, targeted to choose additional risk. These types include: Individual insurance broken glass, scratches insurance, insurance, and other non-Mianpei.
Insurance companies to thin election
In determining the choice should be available and the types of concessions, we buy vehicle insurance in the process of how to choose insurance companies, purchased in the course of which issues should also pay attention to it » The industry proposal, if your car is new and relatively high prices, large companies can choose the motor. Because the luxury car, repair costs correspondingly higher, once the accident, may bear the greater the economic pressure, and the relative amount of the payment will be higher, fixed-point maintenance of the plant has a relatively high level.
In addition, experts advise the insured, if you go out of the car often Pao Changtu, should be chosen as the People's Insurance, Ping'an Insurance Company so big to the insured. Because the insurance company has branch offices throughout the country, may have trouble immediately on the ground for the loss, claims, and so on. In addition, experts suggest that the owners can not only re-insurance vehicle insurance prices, should combine their car to determine the actual situation.