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It is not easy to buy insurance for new cars after having a new car. It is even more exquisite for the insurance of used cars. In pre-owned car transactions, the average seller usually only has auto insurance due to expire at the time of the sale. Therefore, the buyer must also consider buying auto insurance again when he takes over. In addition to mandatory "hard insurance" such as compulsory insurance and third-party liability insurance, some highly flexible and technically-strong "soft insurance types" are also highly knowledgeable.
New car insurance old-age car
With the standard of the new car for the insurance of the old car, how can it be cost-effective? Although the vehicle loss insurance and other types of insurance are the main drivers of new car insurance, the cost-effectiveness of used cars is not high, and it is often difficult to see the output.
The 100,000 yuan car, even if it shrinks to 50,000, the car damage insurance is still calculated at the base price of 100,000 yuan. Even if the value is drastically reduced, the vehicle damage insurance of the used car is still insured and settled at the new car purchase price. Theoretically, owners get higher claims when they are out of danger, but in actual operation, most used car owners ignore those small touches.
Industry insiders suggest that if the owner of a car purchases a second-hand car, one of the purposes is to save the use cost, then the owner can basically not consider the car damage insurance. Similarly, similar to scratch insurance, glass insurance and other insurance, is also of little significance to used cars.
History can not be ignored
When buying a used car, the car's performance and condition are often the focus of bargaining between buyers and sellers. In fact, the history of used cars is also very valuable. The historical record of the vehicle refers to the previous insurance payout record of the car. In general, the premium of an old car with a pay record is higher than that of an old car without a pay record, and for a “clean carâ€, the insurance company is A certain percentage of discounts are often given when insured or renewed.
Therefore, when the vehicle owner purchases a used car, it is best to ask the original owner for the original car insurance policy, especially for some used cars that do not sell car insurance and do not provide insurance policies on their own initiative. This may be due to the carelessness of the buyer. The car's "propriety" pays an additional premium.
Car prices shrink in advance to consider
Theft insurance is basically a necessary insurance for new and old vehicles. However, unlike stolen car insurance, car insurance and insurance expenses are calculated according to the real-time value of the vehicle. Therefore, vehicle owners must consider the factors that reduce the price of the car.
In general, the monthly depreciation of a family car is approximately 0.6% of the purchase price of a new car, and the annual depreciation rate is around 7%. Compared with new cars, the value of used cars shrinks faster. In other words, the value of the car when insured is 80,000 yuan. If there is robbery, the value of the car will have shrunk to 60,000 yuan, and the amount of insurance company's claims will be a further 20% off on the basis of 60,000 yuan. When a car owner is insured for a used car, it is best to make a certain estimate of the car's value and possible changes in value. Don't spend money.
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