First, pay compulsory insurance.
Compulsory insurance is compulsory insurance required by law. Anyone who causes losses to a third party (except the car and the people inside), regardless of whether he is responsible or not, belongs to the scope of compensation for compulsory insurance. The price is 950 yuan for new cars with less than 6 seats and 1 100 yuan for new cars with more than 6 seats.
Second, vehicle loss insurance
This type of insurance is one of the most important types of insurance in auto insurance, and it is necessary to reduce losses from ordinary vehicle scratches to car accidents. For new car owners, there is a greater demand for this type of insurance because they don't have much driving experience.
Third party liability insurance
The compensation amount of compulsory insurance is relatively low, and the possible compensation for major accidents is far from enough. However, the three liability insurance can provide compensation beyond the amount of compulsory insurance.
Fourth, vehicle personnel liability insurance
The insurance company shall be responsible for the losses caused by accidents (non-artificial, unforeseeable and irresistible events, resulting in casualties or property losses) of the insured vehicles and the necessary and reasonable rescue and protection expenses paid to reduce the losses.
V. Vehicle theft and rescue
New cars are the most eye-catching and easy to be stolen, and anti-theft insurance can prevent problems before they happen. If your car is often parked in an irregular position, it is recommended to take out anti-theft insurance and emergency insurance to add a heavy guarantee to your car.
Six, excluding deductible insurance.
The owner's insurance can be calculated according to the deductible rate stipulated by the corresponding insurance, and the 5%-20% deductible that should have been borne by the insured himself can be passed on to the insurance company for compensation.
Pacific Auto Network Tip: How to buy loan auto insurance? Compulsory traffic insurance is compulsory insurance required by the state. Other commercial insurances suggest buying vehicle loss insurance, vehicle personnel liability insurance, third party liability insurance, vehicle theft insurance and deductible insurance.
The above is the reasonable knowledge about how to buy loan auto insurance introduced by Bian Xiao of Pacific Auto Network. I hope it helps you. If you have any questions, you can contact Pacific Auto Network to answer them.
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