How to buy auto insurance is more cost-effective

1, novice scheme: compulsory insurance+car damage insurance+third party liability insurance+vehicle personnel liability insurance+excluding deductible+glass breakage insurance+scratch insurance+special risk of not finding a third party; This scheme is expensive, but if you make mistakes carelessly, you can not only compensate others, but also protect your own losses.

2. Old driver scheme: compulsory insurance+car damage insurance+1 10,000 third party liability insurance+excluding deductible; Old drivers have rich driving experience, and it is easier to avoid risks in daily driving. Just choose the most important insurance.

3. It is suggested to buy water insurance in coastal cities or rainy and windy areas; Car damage insurance doesn't pay for the loss caused by engine water, so if you often drive in an area where water is easy to accumulate, it is a very good choice to buy water-related insurance; However, the vehicle must not be started for the second time when it is turned off in water, otherwise the insurance company will say no compensation.

4. In addition to the recommendation scheme of new and old drivers, it is necessary to purchase some additional risks according to the actual situation; An old car that is more than three years old may need to buy a self-ignition insurance, which can be less than 200, but friends who are ready to change cars choose to ignore it; There is a big dispute about car theft and rescue, so it is not recommended to buy it. Only when the whole car disappears can you get compensation from the insurance company.

5. Third-party liability insurance and vehicle personnel liability insurance need to purchase the corresponding amount of insurance; With more and more local tyrants, the price of personal injury compensation is getting higher and higher. It is best to buy 654.38+00,000 and above for third party liability insurance, and 20,000 drivers and 654.38+00,000 passengers for vehicle personnel liability insurance.