First, we should know ourselves and ourselves, so as to "suit the remedy to the case". If the vehicle has poor anti-theft performance and is often parked in an unattended parking lot, it is necessary to take out anti-theft and emergency insurance.
Second, it is necessary to reasonably match the types of insurance and liability limits to ensure adequate protection. If it is a mini-car for commuting, you can choose the commercial three-person insurance with a limit of 6,543,800 yuan or 6,543,805 yuan.
Third, we should skillfully use special terms and risk adjustment factors to save premium expenses.
Fourth, drive carefully to avoid multiple claims. There are "no compensation preferential treatment and the rate adjustment coefficient of the previous year's compensation record" in the insurance clauses and rate provisions. If there is no compensation last year or several years in a row, the maximum premium can be discounted by 30%.
Fifth, we should carefully choose sales channels. Generally speaking, there will be premium concessions if you buy directly at the business outlets of insurance companies or through the telephone sales centers of insurance companies or e-commerce websites.