How much does full insurance car damage insurance cost?

It seems you don’t understand insurance at all.

First of all, to correct a mistake, there is no such concept as "full insurance" or "full insurance". This is what laymen call it. There is no such term in the insurance industry.

What do you mean by comprehensive insurance? Is it considered full coverage if all insurance types are purchased? Do you buy golf injury insurance? Do you buy vehicle value insurance? Do you buy modification insurance? Car insurance is divided into more than a dozen items and is subdivided into dozens of items. If you buy them all, it will be more expensive than your car.

Insurance is not that the more the better, but the best that suits you just like clothes. Otherwise, it is a waste and you will not be compensated if you buy it.

To say five thousand is pure nonsense. I can calculate three thousand for you, do you believe it? The limit is all low. If the insurance company pays less, you will have to pay for it yourself. Do you believe I can still give you tens of thousands? Full high-limit imported accessories and 4S repair.

You said your car costs RMB 50,000, and the insurance company will only give you RMB 40,000, and give you a 20% discount on new cars. This is the industry rule, and the price of your car is only a reference for calculating the premium. The premium is equal to It depends on the amount of insurance you buy. If you want to know how much your car insurance costs, tell me your car's displacement and brand, what kind of insurance you buy, how much you buy, whether the parts should be made domestically or imported, and whether you want to designate a repair shop. You don’t say anything, there’s no way to calculate it, you can’t even estimate the approximate range

Let me teach you how to buy insurance. Needless to say, compulsory traffic insurance. If you don’t buy it, you won’t be able to register and drive. All sorts of things can't be done.

Commercial insurance, excluding exemption, car damage, and inability to find a third party, these four must be purchased. The minimum of the three is 300,000, and the recommendation is 500,000. I don’t need to say more about the effect. If you hit someone else, you can use this to compensate. Exemption is a supplementary insurance that can save you money, so you must buy it. Car damage insurance is your own responsibility. This year’s new regulations include broken rearview mirrors as part of the car damage. It also includes scratches caused by car damage, but does not include simple scratches. Unable to find a third party, this is a new type of insurance this year. For example, if your car is hit while parked on the side of the road and the person responsible cannot be found, use this to compensate.

Let’s talk about things you don’t need to buy, such as scratches, thefts, driving, and special repairs. The reasons are as follows: scratches, this insurance is a trap, designed to deceive laymen, and this year’s fee reform will follow. The premium rate adjustment is very large. If you sign up for scratch insurance, it seems that you save money on car repairs, but the renewal cost in the second year will increase a lot, which is more than your car repair costs, because the insurance company calculates based on the number of accidents. When calculating the premium increase, if someone else scratches your car, someone else will repair it for you. If the damage is large, report it to the car for repair, and if the damage is small, repair it yourself, so don’t pay for it. There are fewer car thieves now because it is difficult to resell if stolen, and a series of modifications such as the frame number, engine number, etc. are required, which is very troublesome, so you don’t need to buy it. Driving insurance is very cost-effective. It costs a lot of money but the compensation is not much, only 30,000 to 50,000 yuan. Think about it, what is the use of 30,000 to 50,000 yuan if something really happens? It is recommended to replace this part with a card-based policy or life insurance, which is both practical and can return the principal. There is no need for special repairs. It is not a luxury car, so there is no need to go to the 4S shop every time.

Then there is water insurance, which you can buy or not. It is required in places with a lot of rain in the south, but it is exempted in the north, unless you use your car as a boat. Glass insurance is also useless. This insurance will only be useful if your car glass is smashed and something in the car is stolen.

Finally, a special note about scratch insurance and glass insurance. These two insurances only cover simple scratches and broken glass. If the car is deformed in a collision and needs sheet metal, the car damage insurance can be repaired together. But if there are no scratches on the sheet metal or broken glass, then the car damage cannot be reported. However, this is only a small amount of about 200 yuan, and you can repair it yourself. After all, it is relatively cost-effective compared with the increased cost of renewal in the second year.