Is it true that many drivers buy the whole insurance every year, and the annual premium is thousands of dollars
Have you always thought that the more you buy the car, the more you settle it at the end of the year, the more you're doing
It's not a bad day, we'll talk about how to buy insurance in a car, in conjunction with the existing car insurance rules, using the big words that people understand。
My neighbor, wang, brought in a $100,000 scooter two years ago. The first time i bought a car was inexperienced, and the car insurance operator lied about what he said: “the safety is the best and the accidents are done”. For fear of risk, wang has spent more than 3,700 on a bite to buy what is known as “all-risk”。
As a result, after a year, the car stomped twice, and it was repaired at a $200 roadside shop, once without a report of insurance. At the end of the year, wang shot his thighs: isn't it just a gift to insurance companies? The word "all at risk" is so misleading。
It's also the disease of most of the drivers: blindly pursuing “all” and thinking of buying peace with more money. But you have to understand that the heart of the insurance is the bottom, and it's to protect against the great risks of having to wear the family back, like hundreds of dollars in a little bit。
I've been on the line for many years, and i've been consulting with front-line traffic police and senior claimants, and i've made clear today the most practical and cost-effective insurance logic of home cars, so you won't be led by operators。
First, we'll give you a pill: a common home-carriage, daily commuter, and a “high risk plus high third-party liability”, which is basically stable. This is also the secret of many old drivers to save money。
First of all, it's a “rigging” and there's no room for discussion。
It is mandatory national insurance, and it is impossible to pass the annual check-up without buying it. If the traffic cop gets caught and doesn't buy it, he'll be fined。
The benchmark premium for the first year of compulsory insurance is $950 for up to six private vehicles. If they remain uninsured, the premium will rise every year to a minimum of $475. This is the foundation on which it is based and must be maintained。
But there's a big problem: there's too little to pay. The amount (up to 200,000) of the traffic is not enough. At this point, it is up to the third party to make up for it。
Three risks, one of the most expensive commercial risks for domestic vehicles。
To put it simply, the car crashes someone else's car, crashes people, wrecks the roadway, needs you to pay for what you can't pay for。
In the current business, it is true to suggest that ordinary car owners would go directly to a 3 million or even 5 million guarantee. Why? Because the premium has risen from 2 million to 5 million, the annual premium differential may be several dozen dollars, but the level of coverage is completely different. Dozens of dollars to buy millions of dollars of comfort, and that's all going to work。
Together, they basically cover 99 per cent of the significant legal risks that you may encounter driving out。
Isn't all the other projects that you're talking about are useless
It needs to be detached objectively. Now there is no "all-risk" legal product in the car insurance market, which is a sales business, a big gift bag. Let's see
1. Vehicle loss and damage insurance: purchased on demand and not compulsory。
Many newcomers thought they had to buy the car, but they didn't. With the overhaul of vehicle insurance in 2020, the current rate of vehicle loss and loss has become “fat” and has been factored in with the original theft risk, self-fire risk, water risk, glass risk, inability to find a third party。
Seating/driving risk: looking at needs。
The “seat risk” often pushed by operators is a seat-by-seat liability insurance with low coverage and high limits。
If you often take family members, run drops or travel with friends, i would prefer to take accident risk. It's a low-cost, high-privileged thing. Whoever rides in your car, loses it if it's an accident。
3. Additional risks such as scratching: ordinary domestic vehicles are unnecessary。
In the case of old vehicles, it would be more cost-effective to have a scratch insurance premium and a settlement that would have affected the discounts for the coming year, while small scratch marks would have to be repaired together. As for spontaneous combustion and theft, since the vehicles had already been packed, there was no need to worry alone。
There's a lot of people here who can't imagine turning around:
A lot of drivers are worried that if i don't take the risk of losing my car, if it crashes, i'll have to pay tens of thousands of dollars to repair it
Let's settle this:
First of all, safe driving is first, and accidents are less likely。
Second, if the other party is responsible, whether you buy the car or not, it's paid for by the other company。
Only if you blame yourself and your car breaks down will you have to fix it. The cost of a 100,000-grade home car, even for the overhaul of engines, and for the paints, is one of the highest. Compared with the $23,000 saved each year in insurance premiums, it's a long-term calculation, and it's a cost-saving not to buy a car as long as you drive it through。
A real example is shared:
A friend of mine, driving for six years, with a steady skill. Over the years, he's only paid more than 3 million in insurance, and occasionally he's added a driver's insurance rate of 1,000 a year。
Last year the road slipped and he accidentally followed a bmw. It's all his fault. And finally? The insurance company paid for nothing. The cost of repairing his own car, as it did not feel worth the insurance, had made thousands of pieces to himself。
In comparison, the cost of repairing vehicles was already covered by the saved premium. What's the example? It's smart to buy a car insurance。
Finally, we'll get you a copy of the most practical 2026 insurance policy:
Need to buy: risk insurance (legal red line) + 3 million/5 million (necessary for insolvency). Selected purchase items: vehicle loss and loss (new/newer/valent, not old/old driver); accident risk (frequent man/high speed purchase). Non-purchase items: scratching, separate glass insurance/self-fire risk (included in vehicle loss insurance), “comprehensive package” for various flowers. Saves money: safe driving, safe driving for several consecutive years, and the cost of the insurance can be reduced; little scratches can fix themselves and you can easily report it。
If you've got a heart:
Car insurance was never “buy as much as possible”, but it was “buy as much as right”。
Operators push for “total risk”, often to leverage performance. We're ordinary people, we spend money on knives. It's the bottom line that buys both “high risk” and “high risk”. For others, no iq tax is paid as needed。
I hope every driver understands that he bought insurance for nothing, that he won't spend any more money, and that he will be safe and safe on his way
