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Data:2009-12-12 2:34
Rising living standards, there are car owners have also increased, to the car insurance has become an annual event. Recently this reporter to follow a just bought a Renault Scenic 2.0L owners, along with insurance experienced a difficult choice (the insurers have launched a feast of different characteristics of auto insurance, so owners have more choices space) . How to feed your own car insurance is economical and cost-effective way be described as very demanding.
Under the current provisions of Jusun Xian, third party liability insurance, insurance is a necessary insurance kinds of seating and other well Daoqiang Xian, spontaneous combustion risk, excluding deductible insurance, glass insurance, scratches and other selected insurance types of insurance. Decide the level of auto insurance premiums there are several major factors, such as whether the designated driving, the driver's gender, age, driving experience, vehicle age and model, whether there are fixed parking spaces, ABS, airbags, anti-theft devices, etc. These factors are not accurate if in the same insurance company out of a premium will be a lot of difference. Another insurance company in order to attract customers also provides a number of preferential measures, such as the People's Insurance will have to buy auto insurance insurance benefits attached spontaneous combustion.
To this 205,000 Renault Scenic 2.0L, for example, privately owned vehicle for the following six non-operating buses, traveling the region for the Chinese territory, the car is equipped with anti-theft devices and the ground car park, car owners, Ms., 34 years old, the initial time for obtaining a driving license in 2000. We were to the Chinese People's Insurance, Ping An Insurance, and three days-an advice, get premiums vary, but the price is very poor.
See in particular the following table:
(The above prices in November 20, 2004 samples for reference purposes only, vehicle owners to purchase insurance to insurance companies on-site price-based)
Insurance Small Tips
The investment experience and a comprehensive insurance advice to a number of insurance salesman, the reporter listed the following experiences for readers reference:
╿shop around, we selectively determined. To buy insurance and buy things, like when looking to buy the more the more information collected can help you make the right decision.
╿good track record is very important. Although the fixed rate of insurance companies, but the general consensus on "quality customers" to give preferential policies, such as the one-year non-renewal Chuxian vehicles in the second year when the insurance company will get reduced rates. Therefore, maintaining a good driving record, insurance law and claims the previous year, whether the number of premium play a very important role. If in the previous year or more violations claims, then the second year auto insurance premiums will go up, the other hand, if a row with a three-year non-insured claims, then the next year will normally be paid by the premium discount 30%. So, assuming your vehicle in the middle of this year there are some minor defects, such as abrasions, scratches, etc. not spend much money, it may be from his own pocket repairs.
╿special circumstances special protection. Insurance introduced, for a used car, if your car is just approaching retirement period, it is recommended you only will the insurance protection, because the real value of these cars is very low, the insured amount is clearly not worth much; if your car has Security anti-theft device, it is difficult stolen, you may not be secure additional insurance in the Daoqiang Xian; free or fixed parking garage, residential security situation in the not so good, or the owner of the field, often running, the proposal should ensure the full Car Daoqiang Xian; driving skills of poor novice would be better Jusun Xian and third party liability insurance sufficient, and ensure "Excluding special insurance deductible"; a number of high-end car can maintain a separate broken glass, scratches risk insurance or insured.
╿In addition, we must remember that we can not simply look at price, but also to consider "after-sales service", the scene is timely and indemnity speed, claims quality of service.
