I believe that many owners feel that when the auto insurance is approaching maturity, they frequently receive calls from various insurance companies and recommend all kinds of insurance to the owners. We will give you some suggestions here today! The owner of the car to buy a car insurance should also be clear what kind of insurance to buy, what kind of insurance does not need to buy, the following and everyone to talk about those common but not necessary to buy insurance.
Self-inflation
Do not buy new cars.
Reasons: First of all, the self-fired insurance charge is still relatively high, according to 3.2% of the sum insured, a car about 100,000, the auto-ignition risk more than 300; Secondly, if the new car spontaneous combustion within 2 years, in the warranty period, Manufacturer's responsibility.
2. Seat insurance
If you have purchased personal accident insurance, you do not need to buy a seat insurance.
The reason is: all auto insurance (including compulsory insurance and commercial insurance) are consumer-type, that is, the money is spent only for one year, and the next year has to be renewed. Now, there are many accident insurances that are storage-type. When depositing money with the insurance company, the insurance company will provide personal protection and give a certain amount of interest at the same time, and the insurance amount is much higher than the seat insurance, and the coverage is much wider than the seat insurance. Therefore, it is better for you and your family to get a personal accident insurance than seat insurance.
3. Scratch insurance
Low-end cars do not need to buy scratch insurance, Tyrant casual.
2000 yuan quota scratch premium insurance about 400 yuan
5000 yuan quota is about 800 yuan
It is an additional insurance. You must insure car damage insurance before you can insure the scratch insurance
Reason: The scratch risk refers to the scratch on the body paint surface. If there are obvious collision marks, or if there is a scratch or even a large pit, the situation is not covered by the scratch coverage. Collisions, squatting, and the like that occur while the vehicle is in motion generally do not fall under the category of claim coverage. If you have a claim record due to scratches, you will not be able to enjoy the premium discounts for the next year. It is not worthwhile.
4. Theft and rescue
The new car can be bought in the first two years and is free to choose in the later period.
Reason: Because the stolen emergency insurance will not be recovered in the case that the police report has not been recovered within two months, it is also necessary to calculate the payment amount with fear of depreciation rate.
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