Car insurance is usually divided into two types: compulsory traffic insurance and commercial insurance. Among them, compulsory traffic insurance is compulsory to purchase by the state. Commercial insurance is purchased selectively based on the car owner's preferences. Commercial insurance includes basic insurance and additional insurance. Basic insurance is divided into vehicle damage insurance and third-party liability insurance.
Additional insurance includes vehicle personnel liability insurance, scratch insurance, no-fault liability insurance, natural breakage of glass, vehicle driving loss insurance, vehicle cargo falling liability insurance, spontaneous combustion loss insurance, etc.
If you purchase insurance, you can purchase insurance based on the car owner’s own driving skills. If you have just obtained your driver's license, you should choose insurance with more comprehensive coverage. Also pay attention to the amount of third-party liability insurance. If you are very skilled in driving, you can reduce it accordingly. But it doesn’t matter whether you buy it or not. No one can guarantee that it will be foolproof. If something unexpected happens, it will be a small loss but a big loss.
After purchasing a second-hand bus, the key components should be inspected and maintained. The vehicle's engine oil, power steering pump oil, brake oil, transmission oil, etc. should be replaced and replenished according to the situation. In addition, the air ducts and exhaust pipes should be inspected and replenished. Complexes and more. Second-hand buses purchased through regular channels are generally fully taxed before the transaction date, but road maintenance fees, vehicle and vessel taxes, and insurance after the transaction often need to be changed or paid by the owner.
When buying car insurance, don’t just focus on the price. Just buy the one that’s cheaper. In fact, what is more important is that the service is good. Auto insurance services are mainly reflected in claims settlement and other services after an accident. Although some large insurance companies charge relatively high prices, such large insurance companies have their own mature claims teams. Once an accident occurs, they can go to the site for inspection in a relatively short period of time. , assist in handling accidents. However, small insurance companies are not bad. Although small companies have a small national share, they may be the local leader. If the vehicle only travels within a certain area, you can focus on comparing local services and reputation. Therefore, choosing an auto insurance company mainly depends on what kind of services the car owner needs. It depends on the individual situation to choose the most convenient insurance company.
Finally, when choosing car insurance, you should predict what risks you will encounter when using your car, and then choose the insurance product you need according to your needs.