What should be paid attention to when buying car insurance?
2 Answers
When purchasing car insurance, the following issues should be noted: 1. Spontaneous combustion insurance: For new cars, the chance of spontaneous combustion is relatively low, so this coverage is not a must-buy. Similarly, the probability of glass breakage occurring alone is also low. However, for older cars or those with modified circuits, it is advisable to purchase spontaneous combustion insurance. Lastly, the no-deductible insurance can be quite useful for many car owners and is also worth considering. 2. Vehicle damage insurance and commercial third-party liability insurance: Apart from compulsory traffic insurance, car owners should try to purchase vehicle damage insurance and commercial third-party liability insurance. These two types of coverage can help minimize the financial loss to the car owner in the event of an accident. Additionally, car owners can decide whether to purchase theft insurance based on their specific usage environment. 3. Purchase channels: Care should be taken to choose legitimate insurance companies and agents who have professional qualification certificates, practice certificates, and formal agency contracts with insurance companies. 4. Renewal: For car owners renewing their insurance, there exists a floating rate for car insurance. This means that car owners with fewer claims can enjoy discounts on their premiums. Conversely, those with more claims may need to pay higher insurance fees upon renewal.
When buying car insurance for the first time, there are several key points you really need to understand. As a new car owner, I recommend first clarifying the basic coverage types: Third-party liability insurance is mandatory by the state, covering others' losses, and you should at least purchase the legal minimum amount. Comprehensive insurance can protect your own car, but consider whether it's a new or old car; it's worth adding for a new car, but may not be for an old one. Don't randomly add additional coverage like scratch or glass insurance unless you frequently drive on poor roads. Price comparison is crucial—I used a mobile app to check quotes from different insurance companies and found buying online is cheaper. Setting a higher deductible can lower premiums, but means paying more out of pocket in case of an accident, so balance the risk. Also, check the company's service ratings—those with fast claims processing are more hassle-free. Finally, don't forget renewal reminders; missing them might result in fines.
