Buying car insurance there are five strokes Insurance Tips

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

Buy car insurance, first of all need to understand, it mainly consists of the following aspects of risk components: personal injury and personal property loss, the insured person's medical care risks, collisions and loss of total loss. The following five strokes and teach you how to spend the least money to get as much as possible safeguards.
First, to take "shop around and choose Law."

Most people buy a car will be repeated before and performance comparison of various models to arrive at cost-effective choice. But few people are willing to spend time visiting the auto insurance market. In fact, the same insurance coverage rates in the different insurance companies have a huge difference. Therefore, every year more before insurance compare details of the insurers was necessary. Consultation, not just ask them to offer general, but specifically to their needs should be clearly expressed in order to obtain accurate comprehensive information. Traditional approach is to give 34 local insurance agent called to tell them exactly the same insurance needs, so that they were quotations. This phone call a lap down, you can get a range of different price quotes in. Whether it should choose the cheapest quote insurance companies do? Not exactly. You must be sure that this company not only offer low, and the situation can be encountered in claims to provide appropriate services.

Unlike life insurance, the vast majority of auto insurance policyholders will be wound up at this point or claims the incident occurred, in the settlement of claims, when you need a quick response and absolutely responsible for insurance companies. Some insurance companies to properly handle a reasonable settlement of claims, and some companies have done well. Good insurance agents in the accident event of a dispute the two sides will act as your consultant for your advice and suggestions.

Second, insurance discounts when you win every one.

Typical discounts include the following broad categories: (1) safety device discounts. If your car as much as possible the safety of attached devices, such as air bags, theft alarm, locked the brakes and so on, you can get the discount. (2) multiple insurance discounts. If you are in the same insurer to purchase different types of other insurance, or family members are in the same insurance company car insurance to purchase, or you choose to pay premiums in the form of year, are available to the discount. (3) safe driving discounts. If you are a certain number of years never happened within a traffic accident, had not eaten a ticket, the insured's car parked in the garage or on the number of kilometers each year fail to open a certain cumulative value, you can get the benefits of this discount . In addition, female drivers, there is a little bit of discount.

3, so that insurance companies pay deal with the accident during the rental fee.

If you do not spare car, once sent to repair damage to your car repair shop, during which time, you'll think of car rental. Accordingly, suitable for your vehicle insurance policy should take after an accident during the repair of the same model car rent a car rental fee.

Fourth, if you are a relatively open-breaking car, you can consider not insured collision insurance.

If you are confident on hand tight, this is a cost-saving measures. Can not assume that one has already opened a couple of years the car is only worth a maximum of 2,000 yuan, after the insured total loss, you get the compensation from the insurance company probably is 2,000 yuan. What is to buy the insurance, or will this premium savings in the bank interest-bearing Huade Lai do? The crux of the matter is scheduled for collision insurance rates much higher, and you have to buy a new car plans.

5, buy the insurance claim process before understood.

Let your insurance agent to explain first of all for your claim process. Because the insurance is not a nominal thing, but can run into trouble after the car accident and driving people to get real protection. If the specific terms of ambiguous words, you can ask an agent to a place you do not understand clearly and explicitly written down, once Chuxian, will each process is recorded, including the handling of the accident person's name, date, say the what to pack all sorts of documents, and to report the accident to leave a copy. The loss was estimated to make thoughtful, for example, assume that your car after an accident is judged to be a total loss, you have to, and insurance agent to discuss the compensation should be included in part of safeguard its own legitimate interests.