Insurance tips auto insurance 8 Insurance Tips

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

Insurance before the check market price Chesun Xian Ju Sunxian insured is generally determined based新车购置�while the new car market price of the former is decreasing, so each year when the insurance check what model you drive market prices, according to the current market price of insurance is a sensible way to save premium.

Buy third-party liability insurance go up a stall as far as possible third-party liability insurance limit of a total of six grades, and different grades of compensation limits differ greatly, but the corresponding gap between the premium is not significant. For example, a Santana sedan, the compensation limit of 50,000 yuan premium corresponding 1040 ¥ 10 million premium for the 1,300 yuan, the amount difference of 50000, while only a thin premium of 260 yuan. It is proposed that, if the demand between the two tranches of the insured amount, you can go up a notch insurance. If you have both Che Sunxian and third party liability insurance coverage, then third-party liability insurance premiums can discount 10%.

Vehicle liability insurance, as the case may be, if you take the car in general are your family, and you and your family have been insured in the accident life insurance and accident insurance, medical insurance, as a private car, you do not need to insured on the liability insurance, because the accidental injury and accident medical insurance coverage provided by the basic liability insurance covers the car in such situations can provide protection.
If your situation meets the above conditions, but there is no accident and accident insurance health insurance, I suggest you best choice of the insured accident insurance, because premiums paid far less than the required liability insurance for the car, but also to protect the health than traffic accidents The other accidents on your loss.
Of course, if you frequently travel on board a friend, and often change, you better insured vehicle liability insurance to meet unexpected medical expenses when the accident occurred. Number of seats in the choice of the insured, if the insured in accordance with approved seat, the rate is 0.5%; if you do not insured in accordance with approved seat, the rate is 0.9%. For example: Santana authorized number of 5 seats, 10,000 yuan per person insured. Paul 5, the premium 250 yuan; insurance a premium 90; but Paul 3, the premium 270 yuan. Obviously, Paul 3 on a cost-effective than Paul 5.

Dao Qiangxian different because of the new used car insurance insurance companies in compensation for the amount of time is based on the depreciated value insurance, vehicle, car invoice prices as well as par insured to determine the lowest amount of compensation, so the amount of insurance Dao Qiangxian new and used cars are different. In accordance with the amount of insurance new car new car purchase price of insurance, while the amount of insurance used cars to be depreciated value of the vehicles and the purchaser to determine the minimum amount to the amount, if your car is not a new car, or you are buying second-hand vehicles, Dao Qiangxian insured under the new purchase price, you not only pay more in premiums, once the car was stolen, robbed, you can only get the depreciated value or the lowest-fat fare in compensation.

Made of glass imported cars can choose the insured, if your car is imported or domestic assembly, because of the domestic auto glass, inexpensive high-quality, fully comparable and abroad, the insured can be considered to select domestic glass. In this way, you will save about half of the premium.

Select Excluding special insurance deductible Jusun Xian and third party liability insurance, insurance companies have the light of your responsibilities in the incident, only compensation for actual loss you have 80% to 95% of the convention, which might make you in the future actually received compensation, produced relatively large losses. Excluding special deductible by the insured, insurance, insurance on these two in order to get what you should bear the loss of 100% compensation.

Do not go small accident insurance claim insurance does not appear if you were an accident, insurance companies will give you 10% in the second year NCD, and this is a not a small concession. So, if there is less of an accident, you had to weigh before deciding whether or not to insurance claims.

The best used car to buy insurance for transfer if your car is in the used car market on the purchase of this vehicle, have purchased the car insurance, and insurance attendant assigned to you, please note that selling cars side will demand the original insurance policy , the insurance card to transmit to you, while asking him to change the insurance company the insured persons (referred to as transfer) or the transfer after the surrender. However, under normal circumstances, transfer some of your more practical. Because you can then enjoy the post-transfer of this car insurance coverage until the insurance expires. But also in insurance the next year, you can also use the policy to apply this year, 10% of the non-compensation benefits.

Insurance before the check market price Chesun Xian Ju Sunxian insured is generally determined based新车购置�while the new car market price at present is decreasing, so each year when the insurance check what model you are driving the market price, based on the current market price of insurance is a sensible way to save premium.

Buy third-party liability insurance go up a stall as far as possible third-party liability insurance limit of a total of six grades, and different grades of compensation limits differ greatly, but the corresponding gap between the premium is not significant. For example, a Santana sedan, the compensation limit of 50,000 yuan for the corresponding premiums at 1040 ¥ 10 million premium for the 1,300 yuan, the amount difference of 50000, while only a thin premium of 260 yuan. It is proposed that, if the demand between the two tranches of the insured amount, you can go up a notch insurance. If you have both Che Sunxian and third party liability insurance coverage, then third-party liability insurance premiums can discount 10%.

Vehicle liability insurance, as the case may be, if you take the car in general are your family, and you and your family have already been cast in the accidental injury insurance and accident insurance, medical insurance, as a private car, you do not need to the insured vehicle liability insurance, because the accidental injury and accident medical insurance coverage provided by the basic liability insurance covers the car in such situations can provide protection.
If your situation meets the above conditions, but there is no insurance of accidents and accident medical insurance, I suggest you best choice of the insured accident insurance, because it is far below the required fees paid by vehicle liability insurance, but also to protect the accident occurred outside the other accidents on your loss.
Of course, if you frequently travel on board a friend, and often change, you better insured vehicle liability insurance to meet unexpected medical expenses when the accident occurred. Number of seats in the choice of the insured, if the insured in accordance with approved seat, the rate is 0.5%; if you do not insured in accordance with approved seat, the rate is 0.9%. For example: Santana authorized number of 5 seats, 10,000 yuan per person insured. Paul 5, the premium 250 yuan; insurance a premium 90; but Paul 3, the premium 270 yuan. Obviously, Paul 3 on a cost-effective than Paul 5.

Dao Qiangxian different because of the new used car insurance insurance companies in compensation for the amount of time is based on the depreciated value insurance, vehicle, car invoice prices as well as par insured to determine the lowest amount of compensation, so the amount of insurance Dao Qiangxian new and used cars are different. In accordance with the amount of insurance new car new car purchase price of insurance, while the amount of insurance used cars to the depreciated value of the vehicles and the purchaser to determine the minimum amount of the invoice value, if your car is not a new car, or you are buying second-hand vehicles, Dao Qiangxian the prices under the new insurance will not only pay more in premiums, once the car was stolen, robbed, you can only get the depreciated value or the lowest-fat fare in compensation.

Made of glass imported cars can choose the insured, if your car is imported or domestic assembly, because of the domestic auto glass, inexpensive high-quality, fully comparable and abroad, but could also consider taking out insurance domestic glass. In this way, you will save about half of the premium.

Select Excluding special insurance deductible Jusun Xian and third party liability insurance, insurance companies have the light of your responsibilities in the incident, only compensation for actual loss you have 80% to 95% of the convention, which might make you in the future actually received compensation, health relatively large losses. Excluding special deductible by the insured, insurance, insurance on these two in order to get what you should bear the loss of 100% compensation.

Do not go small accident insurance claim insurance does not appear if you were an accident, insurance companies will give you 10% in the second year of the NCD, and this is not a small amount of priority. So, if there is less of an accident, you had to weigh before deciding whether or not to insurance claims.

The best used car to buy insurance for transfer if your car is in the used car market on the purchase of this vehicle, have purchased the car insurance, and insurance attendant assigned to you, please note that selling cars side will require the original insurance policy , the insurance card to transmit to you, while asking him to change insurance companies insured persons (referred to as transfer) or the transfer after the surrender. However, under normal circumstances, transfer some of your more practical. Because you can later transfer the enjoyment of this car insurance coverage until the insurance expires. But also in insurance the next year, you can also use the policy to apply this year, 10% of the non-compensation priority.