How to buy car insurance cost-effectively

How to buy car insurance cost-effectively

As the number of car ownership continues to increase, how to buy cost-effective car insurance has become the focus of many car owners. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with a structured and data-based auto insurance purchasing guide to help you save money and worry.

1. Core Principles of Car Insurance Purchase

1.Choose insurance according to your needs: The needs of different car owners vary greatly. Newbies are recommended to buy full insurance, while experienced drivers can reduce the types of insurance appropriately.

2.Compare quotes from multiple insurance companies: Each company has different pricing strategies, and you can find a more favorable solution by comparing prices.

3.Pay attention to preferential policies: Many companies launch new customer discounts, renewal discounts and other activities.

2. Mainstream auto insurance price reference table in 2023

3. Disclosure of money-saving tips

1.Reasonably choose the insurance amount: It is recommended that third-party liability insurance be at least 1 million, and 2 million is recommended in economically developed areas.

2.Make good use of the no-compensation preferential treatment coefficient: If you stay safe for 3 consecutive years, you can enjoy up to 40% off.

3.Choose the appropriate insurance channel: Online insurance is usually 10%-15% cheaper than offline.

4. Comparison table of discounts of mainstream insurance companies in 2023

5. Reminder of common misunderstandings

1.Only buy compulsory traffic insurance: Although it is legal, the protection is seriously insufficient, and you may have to pay out of pocket for minor accidents.

2.over-insured: For example, it may not be cost-effective to insure an older vehicle with full insurance.

3.Ignore insurance terms: Pay special attention to disclaimers and claims conditions.

6. Expert advice

1. It is recommended to start price comparison one month before the insurance expires. If it is too early or too late, it may affect the strength of the discount.

2. Pay attention to the service ratings of insurance companies and give priority to companies with good services when prices are similar.

3. You can consider purchasing car insurance and other insurance (such as home insurance) as a package to get additional discounts.

4. New energy vehicle owners pay special attention to battery-related insurance clauses.

7. Car insurance purchase flow chart in 2023

Through the above systematic analysis and data support, I believe you have mastered the key points of purchasing cost-effective auto insurance. Remember, the cheapest is not necessarily the best, the one that suits you is the best choice. I wish you smooth insurance and safe driving!