Nowadays, cars are a necessity for every household. Of course, cars are cheap and expensive, and buying a family car is no longer as difficult as before. But with it comes the increasing cost of car maintenance, such as car fuel, maintenance, insurance, etc., and the minimum annual cost is also 20,000 yuan!
So today let's talk about car insurance, car insurance needs to be paid every year, so how to renew the insurance how to choose a more cost-effective? Let you learn it in three minutes today! First of all, we need to know, what do we buy car insurance? Compulsory traffic insurance is compulsory insurance, which is a unified standard of the state, and it is not allowed to go on the road if it is not bought. Compulsory traffic insurance is to pay others, such as: medical expenses and property losses caused by accidents causing the death and injury of others, and their own part is not compensated.
Commercial insurance Commercial insurance includes third-party liability insurance, vehicle personnel liability insurance, car damage insurance Third-party liability insurance is to compensate the third party, that is, if an accident hits someone else's car or person, as long as it is within the scope of responsibility, it can be unconditionally paid, and the recommended insurance amount is more than 2 million. Vehicle personnel liability insurance is to protect their own side, that is, to protect passengers and drivers, in the event of casualties can be paid to the owner of the car, the amount of insurance is determined according to their own choices, when buying insurance, they should think clearly.
Car damage insurance, the scope of car damage insurance includes vehicle loss insurance, that is, when you encounter an accident and need to repair the car, you can use car damage insurance to reduce your losses, in addition to theft insurance, glass insurance, wading insurance and so on. Commercial car insurance can freely choose whether to insure, the specific amount of insurance can also be determined by themselves, but the compulsory traffic insurance must be bought, the following Xiaobian analyzed several situations, for everyone to choose!
1. Compulsory traffic insurance + three insurance is suitable for old drivers and vehicles with low value of the car itself 2. Compulsory traffic insurance + three insurance + car damage insurance is suitable for novice drivers and more expensive vehicle damage insurance can optionally purchase specific types of insurance, and the owner can determine according to his own specific situation. The role of insurance is to transfer risk, especially now that there are more vehicles and the road conditions are more complicated. So be sure to add a guarantee to yourself. Car insurance renewal can be handled directly through the insurance agent, or you can call the insurance company directly or go to the business hall to handle it, and it is generally recommended to renew the insurance three months in advance. And if there is no accident in the vehicle, there is a certain discount for the renewal of the second year. Don't miss the time to renew your policy!
Do you have any questions about car insurance and renewal? Welcome to leave a message in the comment area, see will reply in time! I wish you all a safe trip!