How to buy car insurance for newbies? Popular topics and practical guides on the Internet in the past 10 days
Recently, "car insurance for newbies" has become a hot topic on major social platforms. Many car owners who have just obtained their driver's license are confused about how to buy car insurance. This article combines the hot content on the Internet in the past 10 days to compile a structured guide to help novices quickly master car insurance purchasing skills.
1. Necessary knowledge before purchasing car insurance
Newbies need to know about car insurancetwo categories:Compulsory traffic insurance(State compulsory purchase) andCommercial insurance(Voluntary insurance). The following are the types of commercial insurance that netizens are most concerned about in the past 10 days:
| Insurance type | Coverage | Popular discussion points |
|---|---|---|
| Third party liability insurance | 90% of car owners choose | Should I choose 2 million or 3 million for the insured amount? |
| car damage insurance | 85% of new car owners are insured | Includes natural disaster compensation |
| Vehicle occupants liability insurance | 60% family car choice | Insure based on the number of seats |
| Medical insurance external drug liability insurance | Recently the popularity has increased | Make up for the shortcomings of third-party insurance |
2. Auto insurance price reference in 2024 (hotly discussed data across the Internet)
Based on the public quotations of major insurance companies and feedback from netizens, the following price ranges have been compiled:
| Model price | Basic premium (compulsory traffic insurance + commercial insurance) | High-end plan (including additional insurance) |
|---|---|---|
| Below 100,000 yuan | 3000-4500 yuan | 5000-6500 yuan |
| 100,000-200,000 yuan | 4500-7000 yuan | 7000-9000 yuan |
| More than 200,000 yuan | 7000-12000 yuan | 12,000-15,000 yuan |
3. A guide for beginners to avoid pitfalls (recently searched questions)
1.Don’t blindly pursue low prices: A hot Douyin post exposed the "10% off car insurance" scam, which is actually false propaganda;
2.Pay attention to the disclaimer: A Xiaohongshu user shared a case of "rejection of compensation for modified cars". Modifications need to be reported in advance;
3.Renewal time point: Weibo data shows that 85% of novices forget to renew their insurance in advance, resulting in a guarantee window period.
4. The latest insurance tips in 2024
1.price comparison tool: Search volume for Alipay/WeChat auto insurance services has increased by 40% in the past 7 days;
2.value-added services: Additional services such as roadside assistance and driving services are key to selection;
3.Company selection: The three recommended companies on Zhihu’s hot list, PICC, Ping An, and Pacific, have the lowest complaint rates.
5. Expert advice (excerpted from recent live interviews)
Insurance agent @老张说auto insurance advice: “It is recommended for novices to chooseFull insurance package, adjusted according to driving habits in the second year. focus onThird party liability insuranceandcar damage insuranceCombination, Beijing, Shanghai, Guangzhou and Shenzhen recommend that the insured amount is not less than 3 million. "
Summary: When purchasing car insurance, you need to consider the vehicle value, driving scenarios and personal budget. It is recommended that novices compare prices through formal platforms and give priority to insurance companies with many service outlets. Bookmark this article and refer to the table data when applying for insurance to avoid pitfalls!
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