Insurance issue one:
 Blindly seeking perfection, more and more, there is no need to be.
Insurance issue two:
Within three years of the new vehicle, there is no need for self-ignition.
Many people tend to choose all-risk after purchasing a car. In some car-using processes, many types of insurance often do not play a role. For example: new car self-ignition insurance. In general, the probability of spontaneous combustion of a new car within three years is actually quite low, and even if there is spontaneous combustion, there are manufacturers who are responsible for it. Therefore, some of the new vehicle self-ignition insurance within three years is not necessary.
Insurance issue 3:
The three risks are better, and there are essential differences between the three risks.
The meaning of the third party commercial liability insurance refers to the accident occurred during the use of the insurance vehicle by the insurer or its allowed driver, resulting in the third party being personally injured or directly damaged by the property. Traffic insurance is essentially to provide timely protection for the victims of traffic accidents, but there are great differences in the scope of protection, protection limits and so on. In the event of a traffic accident, the TCC shall be responsible for compensation, and if it exceeds the scope of compensation, the third party liability insurance shall be used for compensation. So for today's various high items, third-party commercial liability insurance can be more to prevent excess spending. For some other types of insurance, such as: glass insurance, reversing mirrors, individual damage insurance, wading insurance, stolen goods, etc., you can choose according to your own circumstances.
Insurance Question 4:
The transfer of insurance directly affects the subsequent claims.
 Before we talk about the issue of insurance transfer, we can look at an example. After Mr. Wang completed the vehicle transaction procedures, a traffic accident occurred a few days after the car was opened. Due to the complicated situation at that time, the insurance company required the original owner to provide relevant information when handling claims. However, the original owner refused to promptly help Mr. Wang apply for insurance claims on the grounds of his busy work. Mr. Wang’s insurance claims are holding on. If the insurance was transferred directly, then there will not be so many problems in the later period.
Insurance issue 5 :
 Check if the insurance expires.
 Insurance transfer is a problem easily overlooked by many people. After the new vehicle has been transferred to the market, many people are directly driven away by the king. They did not transfer insurance in the first place. If an accident occurs during the period when the insurance is not changed, although the compensation can be settled according to the new insurance law, the intermediate procedure is more complicated. In addition, it should be noted that the vehicle must be checked after the transfer of auto insurance expires, if the accident occurs after the expiration of the insurance company is not lost, the owner can only pay for their own pockets.
Insurance Question 6:
 The risk record affects the renewal fee.
 According to the "Interim Measures for Forced Insurance Premium Rate of Motor Vehicle Traffic Accidents," two or more road traffic accidents with responsibility are reported in the previous year, and the compulsory insurance fee rate is increased by 10%. There was a fatal road traffic death in the previous year. , will float 30%. If a responsible traffic accident does not occur in the vehicle of the previous year or for many consecutive years, the owner will enjoy a 10%-30% discount in the rate. Many people are always paying more attention to the condition of the car when buying a used car. They often ignore the car's risk record. In addition to the car owner's risk record, they can better reflect the use of the car, but also directly affect the insurance costs of the current owner. Therefore, When buying an old car, you can first check the insurance record of the model to be purchased.
Insurance Question 7:
 Try to choose a large insurance company with more outlets.
 Many auto insurance companies now advertise with a variety of benefits, and some small auto insurance companies directly attract consumers at low prices. Although we all choose the same type of insurance, if accidents occur, the time for processing claims is not the same. Especially in the field, some small insurance companies have fewer outlets, and neither insurance claims procedures nor procedures are perfect. It is also worth mentioning that some large insurance companies provide better rescue than some small insurance companies, such as rescue services, network coverage, arrival time, and so on.
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