Shrewd calculation buy auto insurance Insurance Tips Tips Bar

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

Purchase of auto insurance products, there is a car the problems faced by people every year. However, how can we spend a small amount of money for to the most suitable for your own auto insurance product, you need a certain degree of science in itself.

Insurance companies believe that the purchase of auto insurance should first identify some basic issues, such as the insured vehicle performance, the value of what the driver's driving skills, temper, how, whether the vehicle insured the safety of fixed berths, vehicle frequency of use of such a system and so on.

In selecting the type of auto insurance coverage, third party liability insurance types are necessary, the key is the choice of the insured amount varies. Vehicles per day in the campaign, will happen at any time the damage to third parties, and sometimes the consequences of such damage is immeasurable, and full coverage insurance can bring three more fully protected. Has not yet issued a mandatory three insurance, but Gejia property insurance companies offer all three, at present this is a mandatory three insurance alternatives. The three insurance amounts, a minimum of 5 million, but suggested that the insured policyholder insured amount of the three relatively high risk, such as 500,000 yuan.

Other insurance can choose, but generally more expensive prices of new cars should be insured Daoqiang Xian. If the insured vehicles using the route relatively fixed, but have a fixed parking berths, security is very good, this coverage can not buy them.

If the insured vehicles often high-speed driving, or moving on the ground in poor condition, or the parking place of clutter, the proposed insured broken glass, a separate risk, because the vehicle is traveling at high speed, or viaduct, the front tires of vehicles will be ejected into the back of small stones at the vehicle windshield, resulting in a broken vehicle glass separate incidents.

Just buy a new car the first year of the possibility of spontaneous combustion is very small, even if spontaneous combustion also belong to the manufacturer liable to pay compensation stage, therefore, the first year of the car can not choose spontaneous combustion risk. As for the use of more than two years in terms of vehicles should also choose this insurance varieties, although the probability of spontaneous combustion vehicles is relatively small, but the consequences are extremely serious, once the self-ignition is often the entire vehicle scrapping, the economy suffered serious losses.

Officers liability insurance is also a vehicle to be considered insurance. If the insured vehicle is generally limited to personal travel, or while riding their families, but the family was fully insured insurance, this insurance would be considered unnecessary. However, if the insured vehicles often carry other relatives and friends in the event of an accident, from a legal perspective, the insured should bear part of the casualties of their liability. In order to avoid this risk, the insured persons should be insured vehicle liability insurance, of course, the sum insured in 50 thousand yuan or less on it.

In addition, the proposed insured excluding deductible insurance. The insurance coverage after the event insurance, accident, insurance companies can calculate the actual loss required to give paid (not including the absolute deductible items), the additional insurance coverage, large, insurance-related projects and more insurance companies are currently part of the insured services loss of insurance.