|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
The new year approaching, the majority of car owners began to design their own car insurance has. With the accumulation of experience in real driving, it is no longer Xianggang started buying auto insurance as a loss when the loss, start thinking about how to buy for their own insurance. Current Edition teach you how to buy auto insurance for your vehicle insurance.
In 2004 the People's Insurance of 500 deductible, beginning the so-called user-friendly vehicle insurance buyers. Unlike the original, as no longer auto insurance premiums across the board, insurance companies through the driver's gender, age, driving experience; driving area is 500 km or less; Chuxian frequency, vehicle anti-theft devices and other fields to determine the level of insurance costs . In other words, even if the same car, different people, or a different car, the same people will have different insurance costs.
If these factors, the gap between the relatively large, may be linked to a vehicle's insurance premiums in the same difference in over a thousand dollars, not to mention its large insurance companies and the small gap between the insurance company. Thus, according to his own situation, choose a different auto insurance, it will be placed in front of us problems.
Miss Pang of a company's financial age: 27 years old 2 years driving experience model: Volkswagen POLO staff
Miss Pang early in January 2003 purchased a popular PO Juan LO-type family cars, he drove for nearly two years, has not had insurance.
Had previously been insured in the People's Insurance auto insurance, with last year launched the People's Insurance 500 deductible clause, for Miss Pang is not very appropriate. Thus, at the beginning of the insured, the Pang Miss choose another insurance company, just bought only Chesun Xian, the three insurance as well as a Daoqiang Xian.
Although for the price of vehicles, insurance is not a lot, but more practical, according to Ms. Pang, 27-year-old sex and age, the exercise area in Shanghai, as well as details of the parking situation in areas such as insurance premium calculations, the final calculated price 2600 yuan.
Chen, manager of a foreign Age: 36 years experience of non-driving cars: Audi A6
Mr. Chen is a foreign company's middle management personnel, in September 2004 to get a driver's license, and in November bought an Audi A6 luxury sedan.
As the driving is not enough skilled, and the car itself belongs to luxury cars, the first year of the probability of Chuxian relatively large, especially in some small scratches sort of accident. Therefore, when the insured vehicle insurance, property insurance agent in accordance with Mr. Chen on the novice and the luxury car insurance auto insurance insurance proposals and the actual economic situation in light of their own, in addition to the main risk for loss of vehicles purchased insurance and third party liability insurance, and "non-deductible account additional risk", the additional insurance also purchased the entire vehicle Daoqiang Xian, car liability insurance, glass insurance losses alone, spontaneous loss of insurance, no-fault liability insurance. Basically, vehicles that can be purchased additional insurance is purchased to ensure that the vehicles have a relatively good protection.
Correspondingly, the premium may be substantial increase in the final estimates of the premium in accordance with the corresponding rates of about 7540 yuan.
Mr. Wu is responsible for a private Age: 30 years 5 years driving experience model: Geely
Mr. Wu a year ago to spend 30,000 yuan to buy a second-hand about the Geely sedan. Although Mr. Wu himself insured did not occur during traffic accidents, driving experience and other parties own soft conditions are likely to affect insurance rates. However, such a model in the anti-theft and repair the special reasons, the insured, the Wu Ju Sunxian only chose two basic insurance with the three main risks, other aspects of the additional risks have no choice. However, according to the provisions of the relevant insurance company vehicle insurance requirements, the final cost of insurance still need about 3500.
Through the above primary insurance and additional insurance introduction and analysis, we can design the following insurance packages:
Basic security: vehicle damage insurance + third-party liability insurance applicable to the object: Some older drivers to their vehicles at the time of auto insurance options, would choose such a basis for protection. Although not the best insurance programs, but it is more practical for some used cars.
Economic Security: the loss of vehicles third party liability insurance + insurance + deductible, excluding special Daoqiang Xian + insurance + the entire vehicle liability insurance for the vehicle the object: the combination of the words with the driver is cost-effective higher in people most concerned about 100% of paid losses and other major risk basically encompasses. For some economies are not rich, but want to give a relatively complete insurance on the car owners, so that a combination of more appropriate.
Comprehensive protection: the loss of vehicles third party liability insurance + insurance + insurance +, excluding special deductible Dao Qiangxian the entire vehicle liability insurance + car + additional equipment, no-fault liability insurance + insurance + insurance + natural glass separate loss insurance applies to loss of object: The insurance portfolio may be the most expensive combination of the car from the inside out, Yanyanshishi to protect up. Almost all the incidents of car-related losses are included, the owner do not have to because some relatively small probability of a car accident can not be compensated. However, relatively speaking, the premium is relatively high, suitable for those high-end cars and more affluent owners.
Editor's Note "" "
Listed above only in the daily coverage of the more common owners of three combinations. In fact, when buying auto insurance, the car owner can own to make their own insurance plan, according to their own driving skills and models, as well as the value of the car itself to choose the right insurance. If your residential security situation is not good enough, or their own car theft is not very perfect, Dao Qiangxian at this time should be essential. The purchase of vehicle insurance, most probably do not have to expensive, not necessarily the cheapest is the best suited to their own.
