How to buy car insurance

How to buy car insurance? Hot topics and practical guides across the Internet

With the increase in car ownership, car insurance purchase has become the focus of car owners. Recently, the hotly discussed auto insurance topics on the entire Internet focus on aspects such as "cost-effectiveness", "claims settlement services" and "new energy auto insurance". This article will combine the hot content of the past 10 days to give you a structured analysis of the car insurance purchasing strategy.

1. Review of recent hot topics in auto insurance (last 10 days)

2. Guide to the whole process of purchasing car insurance

1. Identify the necessary insurance types

Compulsory traffic insurance is a mandatory requirement by law, and commercial insurance recommends "third-party liability insurance (recommended to be more than 2 million) + car damage insurance + medical insurance external drug liability insurance".

2. Price comparison skills

Recent data shows that the price difference between the same car in different channels can reach 15%-30%:

3. Special reminder for new energy car insurance

Recently, many insurance companies have adjusted their new energy auto insurance pricing models. Please note:

• Does the separate warranty clause for batteries include
• Additional cost of charging pile loss insurance
• Exclusive discounts for corporate brand cooperation (such as Tesla, NIO)

3. Car insurance pitfall avoidance guide in 2024

Based on recent claims dispute cases, it is important to note:

①Avoid "high guarantee and low loss": Insure according to the actual value of the vehicle. Old vehicles do not need to purchase car damage insurance;
②Pay attention to the disclaimer: Water-related insurance does not cover secondary ignition, and modified vehicles must be registered in advance;
③Record the reporting process: It is recommended to take videos of the accident scene to retain evidence.

Conclusion

Purchasing car insurance requires a comprehensive decision based on vehicle conditions, driving habits and regional risks. It is recommended to re-compare prices before renewing insurance every year and pay attention to regulatory policy changes (such as the recent adjustment of the independent pricing coefficient of commercial auto insurance) in order to obtain the optimal protection plan.