For users who just bought a new car, at present, most 4S stores will bundle the first-year auto insurance to buy in 4S cooperative companies. This will allow car owners to save snacks in the insurance or later claims stage, but the insurance price will be higher. If you pursue economic benefits, it is recommended that car owners do not buy auto insurance in 4S shops when picking up their cars.
Determine the type of insurance to be purchased, and what auto insurance are there?
1, compulsory insurance
Compulsory compulsory insurance, the full name of which is compulsory liability insurance for motor vehicle traffic accidents, is a kind of compulsory liability insurance in which the insurance company compensates the victims (excluding the people on board and the insured) for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of liability. The owner or manager of a motor vehicle driving on the road within the territory of People's Republic of China (PRC) shall apply for compulsory insurance.
2. Three risks
The full name of "Three Risks" is the third party commercial liability insurance, which refers to an accident that occurs when the insured or his authorized legal driver uses the insured vehicle, resulting in personal injury or direct property loss to a third party. According to the law, the insured bears economic responsibility and the insurance company is responsible for compensation. Under normal circumstances, the coverage of the three risks is divided into 50,000, 65,438+10,000, 200,000, 500,000, 1 10,000, which can be selected according to your actual situation.
3. Car damage insurance
Car damage insurance is mainly used to compensate the loss of the insured vehicle. Compulsory insurance and three insurances are used to compensate each other, and car damage insurance is used to compensate the insured himself.
4. Theft and rescue
Motor vehicle theft and rescue is also one of the four basic main risks. The insurance liability for theft and rescue is the loss of the vehicle caused by the theft, robbery and robbery of the whole vehicle. If only the wheels or other parts are stolen separately, the insurance company will not compensate.
5, the car personnel insurance
Vehicle personnel liability insurance is used to compensate vehicle casualties caused by traffic accidents of insured vehicles, and the insurance amount can be selected by the insured according to the actual situation. The crew liability insurance can be insured according to the number of seats.
6. Additional risks
Additional risks are relative to the four main risks. There are many kinds of additional risks, including car body scratch insurance, car cargo drop liability insurance, glass breakage insurance, spontaneous combustion loss insurance, new equipment loss insurance, special insurance without deductible, etc.
Determine the way to buy insurance
1. In the 4S shop: Generally speaking, the 4S shop will insure your new car. Everyone mainly considers the price factor of buying a car and insurance. Considering the price, if the damage is fixed and easy to maintain, 4S shopkeepers are not recommended.
2. Telephone: When the auto insurance is about to expire, the owner will receive calls from various insurance companies, and directly compare the prices after determining the insurance type in the first item above.
3. Internet channels: There are many Internet channels to buy auto insurance, including the auto insurance of your own insurance company and other insurance companies.
Pay attention to the insurance policy and invoice when buying.