There are many new car owners who do not know what kind of insurance to buy for cars. Most people blindly listen to the insurance salesman, but do not know that many insurances are useless, so they spend money. Which kind of insurance is more suitable for new cars in the end, so that owners do not spend more money?
If it is a new car, it is recommended that you first choose the vehicle insurance, the third party liability insurance, the vehicle liability insurance, and other basic insurance types. How much of the three insurance coverage can be considered based on the driver's driving skills, generally more than 300,000 insurance buyers. As for the whole vehicle robbery insurance, policyholders can decide whether to insure or not depending on the specific circumstances. There are also some other self-ignition insurance, body scratch insurance, glass insurance, etc. According to the actual situation, you should pay attention when you are insured. You can't just know that you can save money and you are not insured, and you don't have to spend extra money to buy more useless terms. In general, the insurance company will only determine the amount of compensation according to the actual loss of the car when it is out of danger.
In addition, there are some tips for making claims. If the vehicle is only a few scrapers, small repairs, to the repair shop to repair the car can not spend much money, it is better than their own money to repair, because most insurance companies have provisions in the insurance clause, the vehicle will not continue in the second year You can get a 10% discount from your insurance company. Therefore, from a long-term perspective, if the repair cost is not too high, it is more cost-effective to repair your own vehicle than to find an insurance company.
The general recommendation for the vehicle damage insurance coverage is determined based on the new vehicle purchase price, and the market price of the new vehicle is currently declining year by year. Therefore, when you are insured each year, you can inquire about the market price of the vehicle you are driving, and the insurance is based on the current market price. Reasonable method of premium. According to each person's situation, the one that suits oneself is the best. What kind of insurance the new car buys depends on each person's own situation.
Finally, to remind everyone that if your car often travels long distances, you should try to insure the larger insurance companies, because such insurance companies have branch offices across the country, in case of trouble can be immediately in the local for damages, claims, etc. . But at the same time, we must pay attention to the purchase of driver personal accident insurance, a reasonable match with people and cars are safe!
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