Nowadays, more and more people buy cars. Cars have become one of the necessary tools for many people to travel. No matter what brand of cars, car owners will buy car insurance after buying new cars. How much is the new car insurance for one year? How to buy the new car insurance? Let's have a look.
I'm just saying that the most economical insurance is: 1. Compulsory traffic insurance, 2. Vehicle damage insurance, 3. Three, 4. No deductible. These four kinds of insurance are the most economical.
Compulsory insurance: it's a must. If you don't buy it, you can't be licensed, you can't have an annual inspection, you can't go on the road. This is inevitable
Car damage insurance (commercial insurance): if you bought a new car a few years ago, you were advised to buy it. If you bought it, you would pay for it in case of collision. You don't need to spend money to repair your car. For example, if you collide with someone else in an accident and someone else's car breaks down, you need to repair it. What should you do if your car breaks down? If you buy the car damage insurance, the car repair fee is the insurance company's, if you don't buy a car To damage your car for maintenance is to pay for it. If the car is old for a certain period of time and the driving skills are high, the car damage insurance can be considered not to buy.
Three party insurance (commercial insurance) this is to compensate for the third party's people and things when the insurance claims occur. The current proposal is to start at least 500000 yuan. If the funds are sufficient, it is recommended to buy 1 million yuan, because now 50 yuan is not enough to compensate. If someone is injured or hit a luxury car, then 500000 yuan is not enough to compensate.
Now we are paying 5542 yuan for 100000 cars, compulsory insurance, car damage insurance and one million three party insurance without deductible. This is the first year's expense of new cars.
No deductible (commercial insurance) in short, if you don't buy no deductible, no matter how much you have to pay, but if you buy no deductible, you don't need to take a cent, so this insurance is also highly recommended
At last, I will tell my friends a secret. That is, when the property insurance below 2000 occurs, it means paying for compulsory insurance instead of commercial insurance. In this way, the premium of next year will rise, that is, paying for compulsory insurance will rise, and the commercial insurance will not rise