What new car insurance should buy

For the owners of new cars, in addition to major accidents, they will also buy some commercial insurance for their cars so that they can be prepared. Faced with the complicated and complicated insurance in the insurance market, what are the new car insurance worth buying? Take a look at the answers of professionals.

新车保险应该购买哪些

First, from the perspective of the type of insurance purchased. For the new car, in addition to the necessary strong insurance, it is also recommended that you buy such insurance: scratch insurance, third party liability insurance, excluding insurance and loss insurance, vehicle damage insurance, stolen emergency insurance. These insurances are very necessary for a new car, such as scratch insurance, we may only need three hundred to four hundred yuan for insurance, but if the vehicle scratches can get more than one thousand yuan compensation, and scratches For the new car, it has a greater impact, so it is worth buying. In addition to waiving exemption and insurance, in the event of a crash, this insurance can be used to obtain a full amount of claims, and it is not necessary to pay for the repairs themselves. From the point of view of the new car, some insurance should be purchased as much as possible, which is beneficial to both the vehicle and the owner.

Second, from the perspective of the selection of insurance companies. We can purchase insurance for vehicles that can be purchased from insurance companies and can be purchased at the 4S shop where the car is purchased. There can also be different company choices for purchases at insurance companies. From the perspective of insurance expenses, it is not recommended that you buy from 4S stores because the cost is relatively high. Although they can provide professional maintenance services for vehicles, it is still not worthwhile. If you buy from an insurance company, it is recommended that you choose an insurance company with good reputation and good reputation to buy, so that when you claim compensation, it is easier. At the same time, it is better to buy strong insurance and commercial insurance in the same insurance company, which will save a lot of unnecessary trouble.

Third, from the point of view of the purchase amount. Some owners think that the bigger the purchase, the better, but the premium we have to pay is even higher. We can consider the amount of insurance coverage in this way. The 130,000 high-risk insurance can meet the basic needs. If the accident happens to be a high-end car, at least 300,000 third-party liability insurance should be added. If there is any other demand, You can also buy around 200,000 insurance, so you can get better protection.


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