How to buy car insurance, save a lot of money a year

raIsing a Car to be higher than a wife to support consumption, the annual fuel costs, maintenance, fines, insurance, even if one year Is not very open, but also consume more than twenty thousand Under the first insurance, now my Car insurance probably around the year 2500, the insurance generally buy these types,

the first (compulsory traffic accident liability insurance) , referred to pay high insurance, to pay high insurance Is a must buy, the implementation of cross-strong insurance system Is through national law enforcement vehicle owner or manager to purchase the appropriate liability insurance to improve insurance face liability insurance, providing for the accident victims to the maximum extent timely and basic protection. Motor vehicle responsible in road accidents in the accident compensation limit death and dIsability compensation limit: 110,000 yuan; compensation for medical expenses limit: 10,000 yuan; property loss: 2000 yuan, also that someone accidentally catch the tail, to pay high insurance can only pay up to 2,000 yuan others, to pay high insurance Is not paid hIs own Car, put it crudely, now not many Cars on the street a poor little touches repair repair should be one thousand pieces,

the second third party liability insurance, third party liability insurance means: the insured person Is allowed to qualified driver occurred in the use of the insured vehicle during an accident, resulting in a third party to suffer direct damage to property or personal injury, the amount of compensation which shall be paid by the insured, the insurer pay compensation in accordance with the insurance contract,

To put it plainly, third party liability insurance Is to pay someone else’s loss, the amount of third party insurance personal opinion Is not to buy more to buy less, buy a million personal opinions, I was a block tens of thousands of domestic Cars, Bought three years, a third party has been one million of the sum insured, I would certainly say that some people say I told the insurance company how how, in fact, are personal opinions, as you hear their, if you did not have over the loss, I did not come across, and I say the hype you Will not necessarily increase the sum insured third party, if you suffered losses, or her friends suffered losses, even if nobody Is saying, you Will improve third insured person, in fact, 200,000, 500,000, 1 million, the amount of third party liability insurance not difference of a few hundred pieces,

Third, Car damage, Car damage refers to damage caused by the insured vehicle or the insured driver’s permit occurrence of an insured accident while driving the insured vehicle, the insurance company be compensated within a reasonable range of a motor vehicle commercial insurance. Plainly own Car repair Car damage insurance Is paid,

The fourth non-deductible insurance, non-deductible insurance Is called the “special clause excluding franchIse”, Is a kinds of commercial insurance (Car damage or liability insurance) of additional rIsk. As a non-deductible insurance additional rIsk, need to be insured “primary rIsk” Is insured preconditions may not be arranged separately, which generally refers to the insurance “by special agreement, after the accident, in a corresponding main insured insurance provIsions of the franchIse calculation shall be borne by the insured portion of the deductible amount, the insurance company Will be responsible for compensation within the limits of liability. ” In general, we covered thIs insurance, you can put 5% to 20% of the liability accrued responsible for their own sub-plus to the insurance company.

accidentally rear-end luxury Cars, and one million third party insurance Is for others to Car repair, Car damage repair your own Car Is not deductible thIs should be the own 5% to 20% of the liability of the responsible sub add to the insurance company, if you do not buy non-deductible insurance, if accidentally touched the Car to assess the damage down maintenance costs one hundred thousand, eighty thousand to the insurance company only 90,000 then the rest of 20000-10000 only their own money, and if it Is then recommended to buy a new Car scratch insurance, can only buy a new Car for three years, Is used to repair paint scratches, there are other a lot of insurance, the case may be slightly

we have chances, I opened the way how good it would encounter, impossible,

I’m just a mortal, Is not special,