How does the novice purchase the automobile insurance

Three essential factor influence insurance premium looks for the vehicle insurance resembles simply, actually inside takes a lot of learning, at present, affects the car insurance premium the primary factor including vehicle owner's driving record, the car model, to drive the region and so on several aspects. Said first drives the record, from buys date of the dangerous, whether in the past three years have had in contrary driving or the past five years whether have had the error, will decide that your driving record rank, this rank is also deciding insurance premium how many. In brief, little eats summonss, has not had the accident, your insurance premium will reduce. Second, the car model, in the market various Insurance company to the different model, the year automobile has the different risk value at present, regarding the scarce vehicle type perhaps the upscale vehicle, the insurance premium also correspondingly rises. Finally, the vehicles drive Lu Bao also to have the very tremendous influence. If two same private cars, in the urban district travel, is year to year far the way travel, the insurance premium can also be different. be not belayed by two erroneous zones to insure the expert to remind related 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, was the vehicle owner has bought the value 100,000 Yuan passenger vehicles, actually has thrown 120,000 Yuan insurances, thought that guaranteed compensates. But shortage insurance exactly opposite. Actually, these two kind of insurances cannot obtain the effective safeguards, because "Law of insurance" stipulated that the insurance surpasses the insured value 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. Second, avoid repetition insurance. The vehicle owner after an Insurance company has purchased the insurance, even if arrives at other Insurance company repeatedly to take out insurance again, also will not obtain the over value payment.