Tell me how to buy car insurance.

Vehicle insurance includes compulsory insurance and commercial insurance. Compulsory insurance is compulsory insurance purchased by national laws. In the first year, the basic price was unified nationwide. Private cars with less than 6 seats, 950 yuan, and the future premium will be linked to traffic violations. Commercial insurance includes three basic risks and additional risks, such as liability insurance, car damage insurance, theft insurance and deductible insurance. It adopts the principle of voluntary purchase, and the owner can choose according to his actual situation. Therefore, people's choice of different commercial insurance premiums will definitely be different.

If you want to ensure comprehensive protection, in addition to compulsory insurance, you will generally cover several major risks, mainly vehicle loss insurance, third party liability insurance, theft insurance and vehicle personnel liability insurance. How much does it usually cost to buy auto insurance a year? Car damage insurance is generally calculated according to the purchase price of new cars. Taking 654.38+10,000 vehicles as an example, the price of car damage insurance is about10.5 million yuan. The premium price of three liability insurance depends on the amount of insurance selected by the owner, ranging from 50,000 to 654.38+00,000. It is recommended to choose three liability insurance, with a coverage of 200,000-500,000 yuan and a cost of 1 1,000 yuan or more.

Theft rescue is calculated according to the proportion of car damage insurance. Under normal circumstances, the insurance rate of theft and rescue is not very high. If it is not an easy-to-compensate model, you can save some premiums. Vehicle personnel liability insurance is insured according to the number of insured seats. The number of insured seats is 1 ,000, and the price is about 1 ,000 yuan. In general, the cost of liability insurance for five-seater vehicles is around 500 yuan. After choosing the basic insurance, add several additional risks according to your personal situation. Together, these types of insurance have an annual premium of around 5,000 yuan.

How much does it usually cost to buy auto insurance a year? Of course, the more insurance you buy, the more money you spend on auto insurance premiums. You can choose according to your actual situation, and some types of insurance can be avoided. The more expensive the new car is, the higher the cost of buying auto insurance. If it is a luxury car, some car owners have recently reported that it will be more difficult to insure. After all, luxury car insurance companies take more risks, and many companies are unwilling to underwrite them. Secondly, another factor that affects the insurance premium is the insurance method. Online auto insurance and electric car insurance are cheap, and commercial auto insurance can save 15% premium. It will be slightly more expensive to buy car insurance or find an insurance agent in a 4S shop.

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