How the family car into the insurance Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

My family's car 40,000 yuan, as the family car from the economic considerations, I am still able to enter into the insurance pays the insurance cost-effective? Asked the teacher to give me an analysis of you?

Dear Customer: Depending on your offer, because your car a new car, requires a comprehensive, adequate protection from the following aspects: 1, third-party liability insurance: It is recommended third party liability limit of 200,000 options insurance is a must on the insurance in the Beijing area in general third-party incidents were related to physical disability compensation requires 10 million or more, it is proposed the three insured 100000-200000, 100,000 and 20 million in premiums or less, if the economy allows, you can choose 200,000 limit, basically able to meet the security needs.

2, vehicle damage risk: It is recommended for your vehicle is insured due to new car, we recommend that you insure Chesun Xian. Do not know if the driver has several years of driving experience? If it is a driving experience of the "old hands", you can consider selecting 500 of the deductible, so that major risks can still be borne by insurance companies, while saving insurance premium, cost-effective from an economic point of view of comparison.

At the same time, the proposed third-party liability insurance and vehicle insurance losses have chosen Mianpei Lv 0, because the new car to go through a period of running-in, during which adequate protection, will reduce your worries.

3, Dao Qiangxian: It is recommended insurance because your car is new vehicles, the proposed insured Daoqiang Xian.

4, the vehicle officers liability insurance: depending on the specific circumstances of the case, if you have other personal accident insurance coverage, you can consider not insuring the vehicle officers liability insurance, if not, we recommend that you or the insured of the insurance, so that you and take this passenger vehicles have security.

5, body scratches loss insurance: It is recommended car insurance there scratches, will make people very distressed, and therefore recommends that insurance.

6, glass, broken a separate insurance: It is recommended may not insured if you do not often on the highway, usually does not appear the phenomenon of stone crashed through the glass, you can not insure glass insurance.

7, ignition loss insurance: It is recommended not insured because your car is a car, there's the phenomenon of spontaneous combustion risk is relatively small, so coverage is not recommended.

8, other types of insurance: It is recommended do not have insurance, if special needs can be the appropriate choice.

At the same time hope you can drive safely, if the future of your good driving record, you can enjoy a 10% to 30% of the non-compensable discounts, premiums will have a greater margin of preference.

Above is specifically designed for your insurance program, the main objectives: to ensure adequate, comprehensive, and at the same time reduce the premiums reasonable. You can according to their own actual conditions to determine the final insurance schemes. I hope you driving in the next life, safe, secure, bon voyage.