How to buy car insurance
As the number of cars continues to increase, car insurance has become an important issue that car owners must face. How to choose the right car insurance, which can not only protect the safety of the vehicle, but also save money, is the focus of many car owners. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with a detailed analysis of the key points and techniques for purchasing auto insurance.
1. Basic process of purchasing auto insurance
Purchasing car insurance usually consists of the following steps:
| steps | content |
|---|---|
| 1. Determine needs | Choose the appropriate insurance type based on vehicle usage, driving habits, etc. |
| 2. Compare quotes | Get a quote through the insurance company’s official website, third-party platform or agent |
| 3. Choose an insurance company | Comprehensive consideration of factors such as company reputation, service quality, claims efficiency, etc. |
| 4. Sign a contract | Read the terms carefully and confirm the insurance liability and exemption clauses |
| 5. Pay the premium | After completing the payment, keep the policy and invoice |
2. Introduction to the main types of auto insurance
Auto insurance is usually divided into two categories: compulsory traffic insurance and commercial insurance:
| Insurance type | Coverage | Is it mandatory? |
|---|---|---|
| Compulsory traffic insurance | Personal injury and property damage to third parties | Yes |
| Third party liability insurance | For losses caused to third parties, the insured amount is higher than compulsory traffic insurance | No |
| car damage insurance | Protect your vehicle against losses caused by accidents, natural disasters, etc. | No |
| Full car theft rescue | Covers losses caused by vehicle theft and robbery | No |
| Vehicle occupants liability insurance | Protect the personal casualties of passengers on the vehicle | No |
| Excluding deductible insurance | Waiver of deductible amount in insurance terms | No |
3. Hot trends in auto insurance purchasing in 2023
According to the data analysis of the entire network in the past 10 days, the purchase of auto insurance this year shows the following new trends:
| Trend | Description | Proportion |
|---|---|---|
| Increase in online purchases | The proportion of car insurance purchased through APPs, mini programs and other channels has increased | 62% |
| Personalized customization | Car owners are more likely to choose insurance combinations based on actual needs | 58% |
| New energy car insurance attracts high attention | With the popularity of new energy vehicles, exclusive insurance products have attracted attention | 45% |
| Growing demand for value-added services | Additional services such as roadside assistance and driving services become factors in selection | 39% |
4. Tips for saving money when buying car insurance
1.Compare prices from multiple locations: The price difference between different insurance companies may reach 20%. It is recommended to compare at least 3-5 companies.
2.Choose the appropriate amount of insurance: It is recommended that third-party liability insurance be at least 1 million, and 2 million may be considered in first-tier cities.
3.Take advantage of promotions: Insurance companies often launch promotions during holidays or at the end of the year, so pay attention to the timing.
4.Maintain a good driving record: Those with no claims record can enjoy a renewal discount, up to a 30% discount.
5.Consider group buying: Some units or car clubs can organize group purchases to enjoy additional discounts.
5. Frequently Asked Questions
Q: What is the difference between buying insurance for a new car and an old car?
A: It is recommended to buy full insurance for new cars, including car damage insurance, theft insurance, etc.; for old cars, some insurance types can be appropriately reduced according to the value.
Q: Is it reliable to buy car insurance online?
A: Both official insurance company official websites and authorized platforms are reliable, but be careful to identify phishing websites.
Q: How to settle claims quickly after an accident?
A: Preserve on-site evidence, report the case promptly, cooperate with the insurance company in the investigation, and provide complete information.
6. Summary
When purchasing auto insurance, you need to comprehensively consider your protection needs, financial capabilities, and insurance company services. It is recommended that car owners re-evaluate their needs before renewing their insurance every year and adjust their insurance plans in a timely manner. Through reasonable planning and comparison, you can not only obtain adequate protection, but also save premium expenses. Remember, the cheapest is not necessarily the best, the one that suits you is the best choice.
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