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3 key points when purchasing car insurance

1. Encourage everyone to obey traffic rules and receive discounts for safe driving.
Take compulsory insurance as an example. The premium of compulsory insurance will be related to age, gender, and accident record. The rate can be divided into 10 levels based on the accident record. People who purchase compulsory insurance for the first time will be classified in level 4. If there is no accident record for a whole year, the rate level will be reduced by one level the next year, and you can enjoy a discount of up to 30%. In other words: insurance company It encourages everyone to drive safely. As long as there is no accident record, the insurance premium will become cheaper.

Taking a 30-year-old woman as an example, the following is the annual cost of one-year compulsory insurance:

Additional instructions:

The lowest rate level is level 1 and the highest rate level is level 10.
If there is an accident record during the insurance period, after the compulsory insurance claim is settled, your rate level will increase by 3 levels the next year; this data will be accumulated. If there are 2 accident records within a year, your rate level will increase the next year. Added 6 levels.
Three months before the policy expires, the insurance company will calculate your premium for next year's compulsory insurance. If you have violated regulations and caused an accident record during this period, the premium increase will be included in the next year's premium. calculate.
2. It is the most cost-effective to apply for insurance online, which is more economical than signing a contract with a salesperson in person.
The purpose of buying insurance is to not be affected by emergencies while saving money, and to ensure that if an accident occurs unfortunately, the insurance company will help pay for medical bills or car repair bills. But the real end point is to accumulate wealth, so any money saved can help us reach the goal of saving money faster. If you can find insurance with the same protection but cheaper premiums, it is certainly worth choosing.

Applying for insurance online can help you find cheaper auto insurance. By applying for insurance online, the insurance company saves the cost of hiring a salesperson and puts it directly back into your pocket.

You may ask: "What should I do if I get into a car accident? Who will help me handle the subsequent claims?" Don't worry! Every insurance company has service personnel who specialize in handling car accidents. If unfortunately a car accident occurs, just call the insurance company's service hotline, and the professionals will help clarify the responsibility for the accident and handle subsequent claims applications. Even if you purchase insurance online, service personnel will help handle it in the event of a car accident.

Therefore, you can buy car insurance with the same coverage amount through online insurance, and it is more cost-effective than going to a salesperson to sign a contract in person! This secret of saving money is only known to you if you do your research online.

3. Compulsory insurance + third party property damage/bodily injury + excess, don’t be afraid if you hit a supercar.
Driving on the road, the risk of car accidents is unavoidable, especially when it rains, the road is slippery, and there is heavy traffic during commuting time. But as long as you purchase "compulsory insurance + third-party property damage/bodily injury + excess liability insurance", you can face any situation with peace of mind. The compulsory insurance only pays for personal injury. If the car is damaged, the cost of repairing the car must be paid by third-party property damage or excess liability insurance.

Imagine that a car accident may cost you 100,000 yuan, which is enough for you to pay for 25 years of car insurance. Not to mention that if you hit a supercar, you will have to pay millions in compensation, or if you hit someone, you will have to pay tens of millions of medical expenses. The cost of a car accident can leave you in debt for a lifetime.

But if you choose "compulsory insurance + third party property damage/bodily injury + excess liability insurance", you only need to pay about 4,000 to 5,000 yuan for car insurance every year, and you can transfer the risk of 10 million yuan in car accident claims to the insurance company. . This method is the most cost-effective car insurance, allowing you to easily face the risk of a car accident no matter what type of car you hit.

The following table uses a "30-year-old female, a 2021 Toyota Altis that has not been involved in an accident for more than 3 years" to calculate the annual car insurance premiums from various companies. Hurry up and compare it with the car insurance bill you have on hand. You will find that online insurance is Really cheap! You can go to Xin'an Tokyo to do the calculation online without going through a salesperson.

Final reminder: Car insurance not only protects you, it protects your whole family.
When you buy car insurance, you don’t consider your driving skills, but when facing unexpected road conditions, our response speed is limited. It protects your budget for getting married and buying a house, as well as your children’s future education expenses. Don’t let the cost of a car accident become a The financial burdens of life.

It’s no problem if you just buy compulsory insurance and you won’t be fined, but if you encounter a series of car accidents, you will never want to spend money to pay for car repairs from your own wallet. The excess liability insurance in optional insurance is really cheap and the premium is high, 1,000 Tens of thousands of insured people can be compensated for injuries or car damage. The annual premium is only 2,000 yuan. The claim settlement fee required for a car accident is definitely far more than this 2,000 yuan. Whether you apply for insurance online or go to a salesperson in person to plan your car insurance, you must remember to purchase excess liability insurance, which can help you solve a lot of troubles in the event of a car accident.