Car guide learn to purchase car insurance Insurance Tips

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

Guiyang is currently on the market Several business auto insurance business property insurance companies, companies have introduced self-developed products, are manifold, consumers tend to be "squandering gradually want to charming eyes," do not know which one of the election. In general, buying auto insurance there must be "know ourselves", it is necessary to understand the current rate of insurance policies, but also understand their needs. Here, the industry pointed out that the purchase of car insurance should start from the following areas --

Insurance policy must be clear

The first is Paul able to see clearly what the insurance company, such as vehicle collision behavior, these are certainly insured. However, some insurance companies will be due to fire, explosion caused by the loss of vehicles as the primary insurance products, some companies malpractices vehicle damage caused by natural disasters off the insurance liabilities, which are inside the express terms of insurance, consumer Prior to the insured must be carefully read.
The second is to figure out what the insurance company can not be maintained. Set out the responsibilities of insurance companies waive some more to see to understand. Past experience shows that consumers in disputes with insurance companies when claims are often in this part. A separate body such as glass broken, and scratches, both in the majority of insurance company liability insurance are exempted from liability in the need to attached to the outside of the main risk.

Insurance, be aware of before
The first is third party liability insurance to determine the limits of liability. Given the current standard of compensation wounding event, the proposed vehicle owners to purchase third party liability limits of liability insurance is best to reach 200,000 yuan. Once such a wounding event, can have sufficient insurance cover.
Followed by Che Sunxian to determine the amount of insurance. Purchase Chesun Xian, it is best to新车购置价to determine the amount. Once an accident, the insurance company should be paid to meet the repair needs.
Once again, on the Mian Peishuai determination, it is recommended to purchase additional insurance, excluding special deductible.
In addition, some of Dao Qiangxian also need special attention. At present the company's 20% for Dao Qiangxian Mianpei Lv. In this 20%, there are a number of deductible part. Some of the company provides traffic card, Che Goushui proved that car invoices, lost one, Mian Peilv increased by 0.5% or 1%; also provided some companies, lost car keys, an increase of 5% of the Mian Peilv .
Careful consideration of cost-effective services
After determining the scope of protection, in the same scope of protection, we should compare the prices of the insurance companies are given. Customers can call to the corporate advisory comparison, searching for their own auto insurance product. Inquiry to the insurance company should focus on understanding the types of floating coefficients and give the conditions at the same time to ask if this will give a floating coefficient of concessions, after which the option has a price advantage.
However, consumers to choose insurance when they can not only consider the price factor, but also need to look at the insurance company service standards. In comparing the insurance company providing the service to customers will depend on insurance companies are "strict easy out" or "lenient entry, stringent exit." Some companies in the consumer buying insurance study were more stringent, but the claims can be fully considered when the interests of customers, great to meet customer needs. Some companies also cover conditions are relaxed, but only for the purpose of collecting premiums, in the settlement of claims when the customer's requirements are very strict on this point the consumer must pay special attention.