Car insurance in the end how to buy the most cost-effective? The full set of "secrets" look here!
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  The first question is: Is it better to buy car insurance and which ones must be bought?
Experts: The auto insurance is not to buy as much as possible, the strong compulsory insurance is a national mandatory, the vehicle damage insurance is also recommended for safety to buy, but some insurance may depend on the use of the owner and the ...
Small i made the following classification according to the expert's suggestion. 
First, these insurance types must be bought!
To pay high insurance:
This does not have to say anything. This is our country's compulsory insurance. In the event of an accident, compensation is given to the person who was hit, and the amount of compensation is limited. The total amount is 122,000 yuan. This is not enough when facing some major accidents.
Third party commercial liability insurance:
The three insurance is a supplement to the compulsory insurance, and it is also compensated to other people. It is responsible for compensation by the insurance company for the compensation limit exceeding the compulsory insurance coverage. Therefore, the riders are required to cover the strong insurance and the three risks at the same time as possible, so that in the event of a major traffic accident, Guarantees.
Car damage insurance:
The first two types of insurance are used to pay the other, and the vehicle damage insurance is used to pay the insured's own.
There are two points for small i here: individual parts damage is not lost, in this case you can try to add work, to become a separate damage to multiple parts; modification, loss of vehicle contents and flooding, earthquake caused the engine The loss is not lost.
Second, these insurance can save the province ~ local tyrants ignore ~
Scratch insurance:
General car do not have to buy scratches insurance, 2000 quota insurance premiums 400 scratches, 5000 quota is 800. And once or twice to go to the 4S shop to repair it will also be 1,000 dollars, repair outside the cheap. In addition, if the scratch insurance is superimposed on multiple times, it will also affect the second-year rate.
The car was scratched and scratched. The scratch was scratched. Which part of the area was scratched and scratched off at that part, and reported to the car for damages.
Self-ignition insurance:
During the warranty period, the spontaneous combustion of the vehicle is the responsibility of the manufacturer's warranty. Even if you buy the insurance, it is a duplicate insurance, meaning no meaning. After the warranty period is over, you must buy it? Not necessarily. The proposal is based on the condition of the vehicle. Normally, after 4 to 5 years, due to the aging of the line, the use of the environment can be considered to buy from the fuel.
Additional insurance does not include exemption insurance:
Excluding the exemption means transferring 20% ​​of the owner's commitment to the insurance company. Excluding the exemption and compensation, it is divided into basic insurance and additional insurance. The former applies the basic insurance such as the vehicle damage insurance and the three-insurance insurance independently; the latter applies the additional auto insurance. The basic risk of deductible or very useful, it is recommended to buy, and additional insurance is not particularly recommended that you buy, additional insurance, even if the deductible.
The second question: Is there any technique for buying auto insurance?
Experts: There are some tips and precautions recommended to everyone. 
One, website direct investment cost
Careful riders should be discovered early. If you sell products through some intermediary agencies, such as dealers, agencies, and brokers, it is more expensive than direct insurance companies. Indeed, the latter is actually 15% lower than the former rate, and now that the website is getting better and better, and there are often some promotional activities, it may be more cost-effective than direct site insurance.
Second, the third party insured 200 blocks ≈ 500,000!
In the event of auto insurance claims, the three parties have a high compensation amount for people, vehicles and property. It is recommended that the amount of the three insurance be able to buy 500,000 yuan as much as possible, but in fact the amount of insurance purchased from 500,000 yuan to 1 million yuan, the premium is only Increase 200 yuan to 300 yuan, you really know how useful it is when you encounter something.
Third, the renewal of the insurance when the insurance expires
If the TAC insurance expires without timely renewal, you must pay more premiums. It is advisable to renew the insurance 5-10 days in advance. It is not necessary too early.
The third question: What kind of package is suitable for me?
Experts: Recommend a few more packages for your reference, but the specific insurance or to see their own use. 
Insurance portfolio: strong insurance, vehicle damage insurance.
Applicable object: old car or driver with better driving skills
Features: Appropriate costs, protection of basic risks, related claims, only partial compensation.
Economic security:
Insurance portfolio: Traffic Insurance, Vehicle Damage Insurance, Three Insurance, Basic Insurance, and Exemption
Applicable object: careful riders
Features: The most cost-effective, the owners are most concerned about the big risks are guaranteed, the premium is not high. Insurance is practical.
Best protection type:
Insurance portfolio: AC insurance, vehicle damage insurance, three insurance, basic insurance and deductible, vehicle personnel liability insurance, vehicle theft, glass breakage, scratch insurance
Applicable object: novice or upscale new car
Features: Insured value, but value for the novice.