Buying Car Insurance blindly saves money

4S stores generally recommend that new owners buy "all risks", but all risks do not equal to full insurance, self-inflation insurance to buy? The second year to buy insurance, according to the risk conditions to enjoy the benefits, but the phone insurance seems to be cheaper, is the renewal or change The third year of the car has already started to depreciate. What issues need to pay attention to when buying insurance?

Year 1: All risks are not equal to all

"All-insurance is not equal to full coverage," and many owners may not know this truth. In the general sense of the full risk of insurance, including 15,16 insurance types, but most of the 4S shop gives the full insurance includes eight types of insurance, namely, compulsory transportation, vehicle loss insurance, excluding insurance, third party liability insurance, vehicle Personnel liability insurance, full vehicle robberies, scratches, and glass breakage insurance. In fact, except for mandatory compulsory insurance, the other seven types are optional commercial insurance.

4S stores generally recommend that owners purchase all-insurance for the first year, car damage insurance, and third-party liability insurance claims can be set higher.

Do not buy "self-ignition insurance" depends on the manufacturers

It should be noted that the so-called "all risks" does not include spontaneous combustion loss insurance. According to past thinking, new cars generally do not need to buy this insurance, because in the warranty period, once the spontaneous combustion will be responsible for the manufacturers. The premise is that auto manufacturers can be brave to take responsibility. In recent years, some “news” of new cars have occurred frequently, but auto manufacturers have shirked their responsibility. This kind of auto-ignition loss insurance refers to the loss caused by an insurance vehicle igniting due to its circuit oil circuit failure. The insurance company is responsible for compensation. Part. Some new car owners who are more cautious may also consider choosing an insurance company that can provide "spontaneous combustion insurance" for new cars. "The average economy family car, the cost of self-burning insurance between 200 yuan -300 yuan. If the owner proposed to buy from the fuel insurance, 4S shop can also be added."

Year 2: No risk, violation records can save premiums

The owner bought the insurance in the first year is the 4S shop agent. The reporter recently received a call from a car owner: 4S shop to help buy insurance, but the policy does not seem to give himself. I do not know how to renew my insurance now.

At present, the new car market is fiercely competitive, and many 4S stores have introduced discounts for “buy-car insurance”. This has led to some negligible new owners who are not very clear about the type of insurance they are buying after buying insurance. The renewal of the second year has no choice.

Unfamiliar with auto insurance, the owner can make some preparations in advance, through the online inquiries and friend recommendations, so that their hearts have a bottom. After the inquiry, go to buy a car and car insurance, you can be aware that the 4S shop is not led by the nose.

According to common sense, which insurance company will be selected in the first year, the insurance company will call in the second year to ask if it is necessary to renew the insurance. At present, most insurance companies implement discounts for floating auto insurance, and owners of claims that have too many records and a large amount of compensation, the insurance company will cancel or reduce the margin of preference. Whether the renewal of auto insurance benefits is related to the number of trips in the previous year, it is also related to four major factors: 1. The base fee for insurance formulation; 2. The number of claims in the previous year; 3. The vehicle model class; 4. The risk situation of the vehicle. No risk, illegal records can save premiums, but now the CIRC implements a networking system, and the number of times the last insurance company will be recorded will be recorded.

"Now that the owner is changing insurance companies, it is not necessarily to save money. It is more about selecting a company with good claims service."

Telephone insurance is also tricky

In the second year, the choice of telephone insurance was more. Many car owners are attracted by the advertisement of the insurance company's "telephone purchase insurance can save 15%." However, related parties reminded that many phone insurance are suspected of fraud. In the case of theft and rescue of robberies, the amount of compensation for a 15 million-dollar vehicle and stolen emergency insurance is 150,000 yuan, but the telephone insurance may be set at 130,000 yuan, but the premium is also relatively cheap 100-200 yuan.

In addition to the 4S shop purchase insurance, telephone and online insurance have become an important channel for auto insurance sales. More and more car owners are more concerned with customer service after insuring. After the price of auto insurance is transparent, it has entered the era of “fighting service”. Some car owners buy auto insurance on the Internet or by telephone and can play 8.5 percent off, which is cheaper than the insurance company salesman's price is four or five hundred yuan. However, in the event of a minor accident, there was no "smart person" consultation. "Compared to this, phone insurance is more suitable for older owners who have a better understanding of auto insurance."

Year 3: Some insurance must be on

The owner of the vehicle that has not been out of danger for the previous two years believes that buying full insurance is too wasteful and it will save some types of insurance. However, the vehicle damage insurance, the three insurances, and the waiver of insurance and insurance are best bought, and the self-burning insurance is also the time to consider.

“Some types of insurance can be saved, but some can't be saved.” The relevant personage suggests that: Exemption from loss insurance must be bought. This insurance is a vehicle damage insurance and commercial three-party insurance matching terms. Without this insurance, an accident occurs and the insurance company will have certain deductibles. General unilateral accident or responsibility in the accident, they have to bear 20%. Regardless of novice or veteran, in the purchase of car damage insurance and the three insurance, it is best to buy it.

“Car damage insurance and commercial three-party insurance must be bought, and the stolen emergency insurance is purchased according to the owner’s own situation. If there is no fixed parking space for oneself, it is recommended to purchase insurance,” Ms. Ke suggested.

In the third year of the car's journey, those who have not yet purchased self-ignition insurance must also be wary of “circuit ageing and causing spontaneous combustion” and it is also necessary to spend a few hundred dollars to purchase “self-ignition”.

High-grade car glass insurance can not be saved

For high-end cars, luxury car owners, it is recommended that the first four years to buy a separate glass breakage insurance. If you do not take this risk, the glass alone can not be compensated, and 4S shop for such a car's glass parts prices are very high, the owners encounter this situation will be more troublesome. Scratch insurance, the owner can also be purchased from the parking lot. Taking a BMW car as an example, the cost of a scratch repair may be one or two thousand dollars, while the premium is only 100-200 yuan. It is recommended that owners who park at unattended locations purchase it.