If it is a new car, it is recommended to insure it in 4S shop.
In this way, after the accident, just call the insurance company, wait for the people from the insurance company to come and take pictures, and drive directly back to the 4S shop. When the car is repaired, you can drive away. It is troublesome to claim compensation from the insurance company.
If you think the price is too high, wait until the next year, when the car is ripe and you know the insurance claims, then find a friend to buy it.
According to your insurance type (scratch insurance 2000), the commercial insurance premium should be around 4700 (including business, payment and tax) after 30% discount.
In addition, the insured amount of the three should be determined according to the local actual situation. If the local people die, they will pay 400,000 yuan, and the 1 10000 yuan that can be paid for the strong insurance will be deducted from the compensation, and the commercial insurance will pay 290,000 yuan. It's obviously not enough to insure only 200 thousand.
Only big companies! ! The claims of small companies will have troubles you can't imagine.
Taibao 95500 PICC 955 18 (National Unified Service Telephone)