How to buy private car insurance is the most cost-effective.

The following two private car insurance schemes have the highest cost performance, so you can refer to them.

1. Minimum plan-compulsory insurance+third party liability insurance?

The annual fee for compulsory insurance is 950 yuan, and the third party insurance (500,000 yuan) 1472 yuan, totaling * * * 2,422 yuan. This scheme not only pays compulsory insurance, but also pays third party insurance, which is more suitable for car owners with limited budget or older cars. But because there is no car damage insurance, there will be greater security risks. ?

2. Basic plan-compulsory insurance+third party insurance+car damage insurance+excluding deductible?

This combination is the most economical, and it is more suitable for cautious car owners (about 50,000 cars) if all the major risks are included: the annual cost of compulsory insurance is 950 yuan, the third party insurance is 1.346 yuan, and the car damage insurance is about 500 yuan, excluding the deductible of 20 1 yuan, totaling about 3097 yuan. ?

Extended data:

1. Which combination of auto insurance is the most affordable?

1, comprehensive compulsory insurance+commercial three-item liability insurance (300,000 yuan)+vehicle damage insurance+vehicle personnel liability insurance+burglary insurance+separate glass breakage insurance+excluding special risks+body scratch loss insurance is suitable for the crowd: about 20% car owners choose this combination, which is suitable for new car novices and car owners who need comprehensive protection.

2. Conventional compulsory insurance+commercial three-item liability insurance (200,000 yuan)+vehicle damage insurance+vehicle personnel liability insurance+theft and emergency rescue+excluding special insurance. It is suitable for the crowd: about 60% of car owners choose this combination, which is suitable for vehicles parked in parking lots guarded by fixed personnel for a long time, and also suitable for car owners who have certain driving experience and are willing to bear some risks themselves.

3. Economical compulsory insurance+commercial three-liability insurance (RMB 654.38+10,000)+car damage insurance+special insurance excluding deductible is suitable for the crowd: about 65,438+05% car owners choose this type of combination, which is suitable for car owners who have used their vehicles for a long time, are skilled in driving and are willing to bear most of the risks themselves.