How to buy car insurance for newbies: hot topics and practical guides on the Internet in the past 10 days
With the increase in car ownership, car insurance has become the focus of car owners. Especially novice car owners, faced with complex insurance terms and diversified products, often have no idea where to start. This article combines the hot topics and hot content on the Internet in the past 10 days to provide novices with a practical guide to buying car insurance.
1. Hot topics related to car insurance in the past 10 days on the Internet
| hot topics | heat index | Main discussion points |
|---|---|---|
| New energy car insurance prices increase | ★★★★★ | Reasons for the increase in new energy vehicle insurance costs and countermeasures |
| Car insurance renewal discounts | ★★★★ | Comparison of preferential renewal policies of major insurance companies |
| Autonomous driving accident claims | ★★★ | Accident liability determination and compensation in autonomous driving mode |
| Auto insurance fraud cases | ★★★ | Typical recent car insurance fraud techniques and preventive measures |
2. Necessary knowledge for novices buying car insurance
1.Basic types of car insurance
| Insurance type | Coverage | Is it mandatory? |
|---|---|---|
| Compulsory traffic insurance | Third party personal injury and property damage | Yes |
| car damage insurance | Damage to your own vehicle | No |
| Third party liability insurance | Compensation for third party losses | No (insurance recommended) |
| Vehicle occupants liability insurance | Vehicle occupants injured or injured | No |
2.Comparison of purchasing channels
| channel | Advantages | Disadvantages |
|---|---|---|
| 4S store | Convenient and fast, can be bundled with other services | Higher prices and limited selection |
| Insurance company official website | Transparent prices and many optional products | Need to compare by yourself |
| Third party platform | Lots of discounts, easy price comparison | Pay attention to platform qualifications |
| Telemarketing | Dedicated service, you may enjoy exclusive discounts | Vulnerable to phone harassment |
3. 5 practical suggestions for novices buying car insurance
1.Know your needs: Determine the required coverage based on vehicle value, frequency of use, driving skills and other factors.
2.Don’t just compare prices: Products with large discounts may have problems with reduced coverage or difficulty in settling claims.
3.Pay attention to service capabilities: Choose an insurance company with fast claims settlement and many service outlets.
4.Make good use of additional insurance: Such as individual glass breakage insurance, spontaneous combustion loss insurance, etc., choose according to the actual situation.
5.Timely renewal of insurance: To avoid the risk of insurance loss, you can usually get better discounts by renewing your policy 1-3 months in advance.
4. New changes in the auto insurance market in 2023
According to recent industry data, the following new trends have emerged in the auto insurance market:
| direction of change | Specific performance | Impact on novices |
|---|---|---|
| Pricing refinement | Introduce more pricing factors, such as driving behavior data | Good driving habits can lead to lower insurance premiums |
| Online services | Popularization of online claims settlement and video investigation | Claims settlement is more convenient but you need to adapt to the new process |
| product differentiation | Launch exclusive products for different models and uses | More choices but increased decision complexity |
5. Frequently Asked Questions
Q: What should you pay attention to when buying car insurance in the first year?
A: In the first year, it is recommended to choose a package with comprehensive protection and pay attention to the insurance company’s claims service evaluation. Novices are more likely to be in danger, so it is not recommended to reduce insurance coverage excessively in order to save money.
Q: Is it reliable to buy car insurance online?
A: It is reliable to choose the official website of a formal insurance company or a third-party platform that holds an insurance intermediary license. Pay attention to checking the policy information and obtain the electronic policy in time after payment.
Q: Do I need to apply for insurance for minor accidents?
A: For small losses (it is recommended to be less than 1,000 yuan), you can consider handling it at your own expense to avoid rising premiums in the following year due to small claims.
Through the above structured analysis and practical suggestions, we hope that novice car owners will have a clearer understanding of how to purchase suitable car insurance and avoid unnecessary expenses while enjoying protection.
check the details
check the details
en
