Do you know how to buy insurance for new energy vehicles?

(Image from the Internet, infringement deleted)

At present, the insurance of pure electric vehicles basically follows the traditional auto insurance model, and there is no targeted insurance for the time being. In addition, the discount of new energy vehicle insurance is basically the same as that of fuel vehicle, and the discount will be automatically generated when the insurance is renewed. However, it should be noted that the discount standards of various insurance companies will be different in different places. At this point, the owner can go to the local insurance company for detailed consultation.

Moreover, we all know that new energy vehicles are subsidized, and the price difference before and after subsidies is obvious, so some people will ask whether the insurance of new energy vehicles is based on the price before subsidies or the price after subsidies. After consulting a number of insurance companies, we came to the conclusion that due to the different subsidy policies in different places, insurance companies will uniformly insure car owners at the price before subsidies.

If it is a full car purchase, most dealers will agree to the owner's free insurance; But if you buy a car with a loan, there is a great possibility that the dealer requires you to complete the insurance process in the store. Although this situation will cost more, the insurance of dealers there is generally more convenient in claims settlement and car repair, so it may not be a bad thing.

As for the types of insurance, in addition to compulsory insurance, it is recommended that car owners buy car damage insurance and three kinds of insurance respectively. As for other additional types of insurance, car owners can choose by themselves, but according to past practice, self-ignition insurance and theft insurance are also the types of insurance that many car owners will choose.

Different regions, different insurance companies and even different models, and different 4S stores will have different insurance schemes and prices, so I suggest that friends consult and shop around before insuring new energy vehicles, and choose the most suitable and affordable scheme.