It's been almost a year since I bought a car and drove, and Mr. Guo still doesn't know the coverage of his auto insurance. It was not until one day that he collided with someone else that he found that the original auto insurance was not as good as he thought. In fact,

There are many car owners like Mr. Guo around us. When buying a car, the best dealer can do it by himself, but when in danger, he has no idea about the situation at all. He does what the insurance company says. Recently, some insurance companies have raised the rates of vehicles with high accident rates, which makes some car owners feel whispering. What kind of car insurance has the highest "cost performance"? Yesterday, the reporter went to several major insurance companies in Shaoxing to inquire and came here with the car owners.

Compulsory course third party liability insurance must be bought.

Every property insurance company has a lot of auto insurance products, but only the third party liability insurance is compulsory for the owner, because in case your car hits someone else, it can only guarantee that the victim will get compensation. In addition, all other auto insurance types are freely selected and combined by consumers. The Traffic Safety Law of the People's Republic of China, which will be reissued on May 1 2004, clearly stipulates that if an individual or unit is not insured,

For example, in China People's Insurance Company (hereinafter referred to as Shaoxing Branch), a staff member told reporters that third-party liability insurance, vehicle (personnel) liability insurance and vehicle loss insurance are all compulsory insurance, and every insured must buy them. However, she said that only the third party liability insurance is required by the state, and the other two are stipulated by their company, but they must be purchased with the car.

In Shaoxing Central Branch of Ping An Property Insurance Company, a staff member surnamed Zhu recommended several types of insurance to reporters, but she admitted that only the third party liability insurance is compulsory and must be insured. Owners of other types of insurance can freely choose whether to insure according to their own conditions.

In Shaoxing Branch of Pacific Insurance Company, the reporter learned something different from the other two insurance companies. The company stipulates that third party liability insurance and vehicle (personnel) liability insurance belong to bundled insurance and must be insured at the same time.

Some insiders said that although only third-party liability insurance is compulsory, the relevant state departments have not explicitly prohibited insurance companies from bundling sales for the time being, so it is not illegal for insurance companies to have different policies.

Under normal circumstances, after buying a new car, many car owners often choose a car dealer to handle a series of procedures such as insurance and licensing in order to reduce trouble. Although some car owners complain that they have encountered a "trap" when entrusting car dealers to handle insurance, according to the reporter's understanding, regular car dealers are more credible when insuring customers, and will consult car owners in advance. However, handling auto insurance has certain limitations, that is, many car dealers will be fixed in a certain house.

Different types of cars mainly have different auto insurance.

On the surface, you can really spend a lot less money on auto insurance, but only if the vehicle is basically ok. Once an accident happens, the trouble of less insurance will come. Therefore, what the reporter heard most in the interview is that after taking out the basic insurance, he should make a car insurance portfolio according to his own model, driving skills, driving purpose, passengers and other factors. The following are several insurance schemes suitable for different types of car owners:

Newcomer automobile insurance plan

In the first year of driving, it is normal for a novice to have some accidents, and even a big loss may occur. Therefore, in addition to spontaneous combustion loss insurance, disaster insurance, special clauses on loss of value and other unusual types of insurance, other car damage insurance, third party liability insurance, vehicle (personnel) liability insurance, no-fault liability insurance and basic insurance should be insured, and the third party liability insurance has a higher compensation limit.

Master automobile insurance plan

Because the probability of driving accidents is reduced, experts can choose not to be exempted from compensation, and third-party liability insurance only needs to be insured at a lower amount. On this basis, we should also consider additional risks such as vehicle (personnel) liability insurance and glass breakage insurance according to our own situation.

Other factors that must be considered:

If the passengers in the car are usually family and friends, and they have already taken out personal insurance, accident insurance and accidental medical insurance, there is no need to take out on-board liability insurance. Cars have an anti-theft system, a safe parking place and a relatively fixed driving area, so the money for theft and rescue can also be saved.

Ways to save premiums and enjoy preferential treatment:

It is best to designate a driver for private cars, so that you can get certain discounts; For some minor problems after insurance, it is best not to find an insurance company, because once you get out of danger, you will lose some money after you get out of danger.

65438+ 10,000 yuan car insurance simulation data

Based on the basic situation of a Maxima car and a novice car, the price is about 6,543,800 yuan. The reporter made a simulated insurance policy to three insurance companies in our city and got the following data. Because the premiums given by the three insurance companies are different for the same type of insurance, it is better to remind consumers to "shop around" when taking out insurance.

Insurance is guaranteed by Taibao and Pingbao.

Insurance: PICC P&P third-party liability insurance (with a premium of 200,000 yuan) 1344 1020804.07 Vehicle loss insurance1342100873.87 Vehicle liability insurance (five seats per seat/KLOC-)

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.