In September, arrived to buy a car again fall season, not little Che Youdou is ready money, go the model that him choose and buy likes. Friend having a car sends information to ask border elder brother, how should buy car a place difficult of access? Because ask this problem has certain catholicity, the issue that border elder brother decides to ask big the daily life of a family well analytic, help everybody know car risk, break away from a safe path.
Problem one: Who does insurance look for to buy?
Who to look for to buy this issue whether did you understand insurance detailed rules with respect to test, every insurance company is the price level that has his. With lower part two guarantee slip are exemple, the situation with the different standard of insurance cost unit price that place gives jointly with an insurance company. The reason has two, 1: ? Does Shan of 5 ド mansion thank a bitter edible plant of annulus of of of grey lie of bank of cover qualitative does Qiu overspread of grey lie of canister of tan1huan4 of divide evenly of Da of Zou of bits of brandish of Ba of Zheng annulus to make fun of to overspread book of a surname of Zou of of heart capture Ni to carry award quarrel excuse me on the back according to Sun You?
2: Plant nearly compensate pays the forehead to spend different, the simplest is to buy commercial risk, 3 person 500 thousand affirmation is to compare 3 person of 1 million petty gain, so everybody looks below guarantee slip of two cars danger, can discover, below the case that same danger is planted, different compensate pays the forehead to spend the insurance cost that pay to also be met different.
If you are right car risk detailed rules is so more familiar, who does that look for to go, if not be familiar with, that still looks for the person that has experience to ask clear detailed rules.
Problem 2: Which insurance company to buy?
Make choice of the place is bought in which, should pick which insurance company naturally again. The insurance cost that different insurance company controls is different also, especially big insurance company (the person is protected, restful, Pacific Ocean) with small insurance company (peace and tranquility, before the sea, numerous sincere etc not famous) between price difference, little criterion a few, many thousands of, how is here chosen again, pick petty gain?
Actually new car first time buys insurance price difference too won't big, the insurance that buys that company depends on use environment, service of big insurance company is much, the blame accident of limited number inside a year is free trailer (do not calculate number of be or get out of danger) , take report freely, send oil freely to wait a moment, and also conduct propaganda has these small insurance company, it is it only the range that provides a service is smaller.
Average small insurance company also can provide afore-mentioned services in the city that basically runs, but the city that runs besides them is answered meet a lot of slower, the member that signed up for 89 hours such as insurance to still do not have insurance survey comes over to watch the scene. Nevertheless the car often runs inside city, if going out rarely, still can buy the insurance that considers small insurance company, after all their follow-up add protects a little bit discount privilege will be big.
Problem 3: What danger to buy to plant?
Present insurance sort is various, look at seeming to be planted nearly individually is to be in those who be us to appear safe consider, it is they did not replace purse consider only. So much danger is planted in, making strong narrow pass only is bought surely, nevertheless this danger is planted also be called by a lot of people scampish danger - compensate pays the forehead to spend small (most compensate pays car damage 2000) , basically bought commercial risk to be able to cover its action.
And besides make strong narrow pass, still these a few danger are planted also is worth to buy quite. 3 person danger, according to different insurance company, this danger is planted lowest can be bought 50 thousand, can seek insurance company application at most, ten million can have on; Border elder brother suggests to drive compare what Buddha fastens to buy 3 person 500 thousand OK, the car won't bump slow too badly commonly. And drive a bit fiercer, can consider to buy 3 person 1 million or 2 million, this forehead is spent hit car of a person of extraordinary powers about the same also enough compensate paid (too a person of extraordinary powers also is no good) .
3 person be compensate others nearly, wait a moment like wall, building, tree, these are OK compensate. But namely won't be out of pocket builds a car to oneself, want insurance company be out of pocket to repair a car to buy a car caustic a place difficult of access even, bought these 3 danger to plant best incidentally also correspondence not plan avoid compensate to also be bought, add not much also money one case, do not have complete compensate otherwise, give postaccident to want his to draw out money, that is not decimal eye.
And other little risk is planted the environment that sees a car use will consider to buy, car batholith is low, and located place often has torrential rain or deeper seeper buys a ford a place difficult of access (notice pure electric car need not buy this danger to plant) .
Often be in the environmental travel with complex traffic, or the local ursine child of park is more, car lacquer contains easy damaged word, can consider to buy a nick a place difficult of access. But in fact, after all incorporeal picture hand is scarcer than professional painter, if think the province chooses fund, can come to nick declare as car caustic.
Problem 4: The car went an accident, of how many money need not sign up for insurance?
After insurance was bought, arrived to use segment, produced an accident at this moment, with respect to meeting kink this insurance newspaper does not sign up for good. Actually this problem is the problem of money, what border elder brother gives everybody to treat insurance first is basic plan cost regulation pursues.
Can see from inside the graph, signed up for insurance, insurance cost is affirmative won't little, enjoyment discount time also should defer a year. That purpose to obtain save money, compensate of proposal of border elder brother pays the forehead to spend in price of car be born of 0.8% less than, do not sign up for insurance. For example the car of 100 thousand be born, insurance cost of the first year is to be close to 4000 commonly (do not add make strong narrow pass) . Pass computation, the first year not be or get out of danger, the 2nd year of insurance cost will be little 600 Qian Zun are right. 600 little, the insurance cost that the depreciation after still including a car to use one year causes decreases.
Appear nevertheless this money is returned compared with 800 when want compensate little 200, seem or had a deficit to nod, but want to consider the 2nd year also not be or get out of danger, discount of that insurance cost went 30% , little 1200 or so. As to do not spend the specified amount that oneself do not sign up for insurance calm a bit taller, this is to consider, car travel also is existing the 2nd year be or get out of danger is potential.
Assurance gave when arriving, those who have a deficit is more than 200, nevertheless province of those 200 organic still meetings comes down, drive the car go searching outside repair repair in shop, perhaps reduce knowing the seller needs cash with the dest clerk of 4s inn (partial 4s inn at one's own expenses spray paint has privilege) , do not be brave in to try, how to know what to result you can have?
Of course, beyond the problem that pays close attention to quite besides these a few everybody, border elder brother still also gets a few commonner problems: After the newspaper is safe, does the car leave go is 4s inn repaired or repairing repair in shop? (answer: Quality of 4s inn maintenance is better, is repairing a factory maintenance is time some faster) reason of hair make trouble signs up for a policeman first or sign up for insurance first? (answer: Sign up for a policeman to decide responsibility first, inform insurance company again) etc. The problem that money can solve still is small issue, safe ability is the most important. Finally, mid-autumn festival, wish everybody car friend is happy mid-autumn, go out restful!
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