Please tell us: 20 16 what items do you want to buy for auto insurance?

Hello! 20 16 auto insurance generally includes compulsory insurance, third party liability insurance, car damage insurance, scratch insurance and deductible insurance. Details are as follows:

1. Compulsory traffic insurance is compulsory insurance for every car owner according to the laws of China. If compulsory insurance is not purchased as required, the traffic administrative department of the public security organ has the right to detain the motor vehicle and impose a fine of 2 times the insurance premium payable.

2. The premium of the third party liability insurance shall be determined according to the selected insurance level. Generally, the seven grades of 50,000, 6.5438+10,000, 6.5438+05,000, 200,000, 300,000, 500,000 and 6.5438+10,000 are the mainstream, but you can also choose to insure more than 6.5438+10,000. There is little difference between different premiums of this kind of insurance. Relevant data show that the third party liability insurance has a very high claim rate in cities, so it is very important for private car owners.

The premium of car damage insurance has a great relationship with the purchase price of the car and the number of seats. The higher the car price, the higher the premium. Car damage insurance is insurance against the loss of the vehicle itself. Common car damage: collision, overturning (rollover), natural disasters (such as hail, rainstorm, explosion), etc.

4, scratch insurance novices must buy. Because the probability of a novice hitting a wall is shamefully high. At present, insurance companies no longer handle scratch insurance for "used cars" that are more than three years old. In addition, the preferential margin of auto insurance premiums has also begun to be linked to the number and amount of scratch insurance. If you are not out of danger for several years in a row, it may be more cost-effective to spend money to repair it occasionally.

5. A lot of auto insurance will mention not counting odds, which means that the insurance company will be responsible for compensation within the liability limit according to the terms, instead of 100% to compensate all your losses. When the owner has purchased insurance without deductible, in some cases, you can get full compensation.