The current auto insurance is a national unified price and basically unified terms. Different insurance companies set different prices for vehicles, resulting in different prices, so when choosing auto insurance, we should combine our own models, insurance coverage and so on. Generally, if you want to buy auto insurance cheaply, you can decide according to these schemes:

1, comprehensive type: compulsory insurance+commercial third liability insurance (300,000 yuan)+vehicle damage insurance+vehicle personnel liability insurance+burglary insurance+separate glass breakage insurance+excluding deductible+body scratch loss insurance. About 20% car owners choose this combination. Suitable for new car novices and car owners who need comprehensive protection.

2. Conventional type: compulsory insurance+commercial third liability insurance (200,000 yuan)+vehicle damage insurance+vehicle personnel liability insurance+theft and emergency rescue+excluding deductible. About 60% car owners choose this combination. It is suitable for vehicles parked in parking lots guarded by long-term fixed personnel, and also suitable for car owners who have certain driving experience and are willing to take some risks themselves.

3. Economy: compulsory insurance+commercial three liability insurance (654.38+ ten thousand yuan)+car damage insurance+excluding deductible. About 15% of car owners choose this type of combination. Suitable for long-term use of vehicles, skilled driving skills, willing to bear most of the risks themselves.

4. Risk type: only buy compulsory insurance. The compulsory insurance only pays the third party (the injured party) in the accident. The maximum compensation for casualties 1 10000 yuan, hospitalization 10000 yuan and property loss of 2000 yuan. However, the compensation for the death of a car accident in Chengdu should be more than 200,000 yuan, and the hospitalization expenses are far from enough. The cost of vehicle loss of 2000 yuan is far from enough. And if your car is damaged or stolen, you must bear it yourself. So this collocation is extremely risky.

At the same time, car owners should not only check which car insurance is cheaper, but also claim service is very important. Nowadays, the number of private cars has soared, and driving on the expressway will inevitably hit. Many car owners pay more attention to the speed of insurance companies' claims afterwards.

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