The private car insurance all captures buys when the car insurance is careful two big erroneous zones

Also arrived at the holiday auto purchase peak, after having bought the vehicle, insures for the vehicle on, also has a vehicle race's required course newly, looks for the vehicle insurance resembles simply, actually takes a lot of learning, here introduces several moves to you, avoids the wasted effort. the present influence car insurance premium mainly has four big factors: First, drives the record. In the past three years you whether to have in contrary driving or the past five years whether to have the error to decide your driving record rank. In brief careful driving, little eats summonss, does not have the accident, your insurance premium will reduce. At the same time, driver's age, whether the novice as well as vehicles Chang You the driving is two people drives is also affects the insurance premium the factor. two are the car models. It is known that various Insurance company has the different risk value at present to the different model year's automobile. , The automobile value is in short higher or is more popular, the insurance premium also correspondingly rises. three drives the region. Two same private cars in the urban district travel and the far way travel, the insurance premium can also be different frequently. Not only that some Insurance companies in determination insurance premium time, even yours Che Bo oneself entrance garage underground public parking lot will consider. four are whether to receive continuously guarantees. If has the reasonable reason, like to the outside areas business trip, travels for 2-3 months, during does not use the vehicles, the Insurance company most will agree that will stop temporarily yours automobile insurance, after waiting you will come back, to press the original recovery of price insurance again. But if does not have the enough reason, they possibly thought that you have the secretive goal to the waiting insurance, restores again when will take you the new customer to consider that usually this means will add the insurance premium.How to buy most appropriate insurance first to look that the clear Insurance company can guarantee anything, looks like vehicles' collision behavior, these are must guarantee. But some Insurance companies the vehicles which as a result of the fire, the detonation will cause will lose list as outside the safe staple product, some companies will be the vehicles damage which will create the natural disaster reject the insured liability, these will have the clear instructions inside the insurance clause. the next is must make clear the Insurance company not to guarantee anything. Responsibility absolution part which lists to the Insurance company, must look understood. The former experience indicated that consumer when adjustment has the dispute with the Insurance company, often in this part. If the glass is alone stave and the automobile body scratch, these two items in the majority of Insurance company's insured liability are of iesponsibility, needs to purchase the special extraneous risks. Then buys when the car insurance must reckon up several accounts. First is the third party liability insurance liability limit determination. Like this once presents the offending somebody event, may have the sufficient insurance cover. is Che Sunxian the insured value determination once more. When purchases Che Sunxian, generally is by the new car purchase price definite insured value. Once has the accident, Insurance company's payment should be possible to repair a vehicle satisfiedly demand. Consideration purchase EPI does not compensate the special danger. Take robs the emergency as the example, at present various companies regarding rob the emergency to have 20% franchises, once i.e. has the robber to snatch, the Insurance company only undertook 80% losses, the vehicle owner must undertake 20% responsibilities. “but after having purchased EPI does not compensate the special danger, the franchise is zero, the entire robber snatched the loss to be possible to pay completely by Insurance company `'”. After comparing goods the safeguard scope has determined, under the same safeguard scope, the safe expert suggested that the vehicle owner compares the price which each Insurance company gives. But the insurance expert simultaneously suggested the vehicle owner when purchases the car insurance not the suitable pure consideration price, Insurance company's service level, the payment speed, the mesh point establishment must be purchase the car insurance the important consideration factor. If some companies when the vehicle owner buys the insurance inspects strictly, but in adjustment time can actually consider fully the customer the benefit, also some companies insure the condition to be very loose, but after collection insurance premium, escapes from danger needs when the adjustment actually the card to the vehicle owner very strictly. avoids two big erroneous zone in addition, the safe expert reminds the policy holder buys when the car insurance is careful two big erroneous zones. one is avoids exceeding the quota the insurance or the shortage insurance. So-called exceeds the quota the insurance, draws an analogy, somebody's vehicles value 150,000 Yuan, have actually taken out insurance 200,000 Yuan insurances, thought that guarantees compensates. Shortage insurance exactly opposite. Actually, these two kind of insurances cannot obtain the effective safeguards. Stipulated according to "Law of insurance" that the insurance do not surpass the insured value, surpasses the insured value, surpasses the part to be invalid. The insurance is lower than the insured value, has the agreement in addition besides the contract, the insurer undertakes the liability of compensation according to the insurance and insured value's proportion. two are the avoid repetition insurances. After an Insurance company purchases the insurance, do not arrive at other Insurance company to take out insurance again. "Law of insurance" stipulated that double insurance's insurance sum total surpasses the insured value, various insurers' amount of indemnification sum total do not surpass the insured value. Therefore, even if the policy holder is redundant takes out insurance, also will not obtain the ultra value payment.