老司机养成法【第7期】 买多了浪费钱，买少了不赔，车险怎么买？进来就懂了！
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二郎这前段时间办了交强险，感觉车险又多又复杂，如果刚接触汽车或者还没买车的同志一定很想知道这些知识，所以给大家简单说一下车险都有哪些，以及如何搭配购买~
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首先一点：购买车险首先要了解自己车辆的各方面条件，如新旧程度，价位，经常行驶范围等，费率虽然也很重要，但是在低费率的基础上，还是要比较各家保险公司的服务：车险结案率、结案周期、定损员技能、保险理赔服务质量指标、理赔定损机构是否覆盖经常去的地方。
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<strong><span class="135brush" data-brushtype="text" style="color: #7B9AB5; font-size: 28px; text-align: justify;">交强险</span></strong>
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<span style="line-height: 1.75em; text-indent: 2em; color: #595959;">由保险公司对被保险机动车发生道路交通事故造成受害人(不包括本车人员和被保险人)的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。</span>
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<span style="line-height: 1.75em; text-indent: 2em; color: #595959;">国家规定必须购买。</span>
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<strong><span class="135brush" data-brushtype="text" style="color: #7B9AB5; font-size: 28px; text-align: justify;">车损险</span></strong>
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负责赔偿由于自然灾害或意外事故造成的车辆自身的损失。这是车辆保险中最主要的险种。保与不保这个险种，需权衡一下它的影响。若不保，车辆碰撞后的修理费用得全部由自己承担。
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<strong><span class="135brush" data-brushtype="text" style="color: #7B9AB5; font-size: 28px; text-align: justify;">第三者责任险</span></strong>
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在事故当中，造成除本车驾驶员及乘客之外的其他人人身伤亡或财产直接损毁的，由保险公司按规定进行赔偿。例如驾车不小心撞到了电动车，电动车的损毁以及电动车驾驶员伤亡的赔偿费用均由保险公司负责。
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<strong><span class="135brush" data-brushtype="text" style="color: #7B9AB5; font-size: 28px; text-align: justify;">全车盗抢险</span></strong>
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保险车辆全车被盗窃、被抢夺，经公安刑侦部门立案证实，满三个月未查明下落，或保险车辆在被盗窃、被抢劫、被抢夺期间受到损坏，或车上零部件及附属设备丢失需要修复的合理费用，保险公司负责赔偿。
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<strong><span class="135brush" data-brushtype="text" style="color: #7B9AB5; font-size: 28px; text-align: justify;">不计免赔险</span></strong>
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只有在同时投保了车辆损失险和第三者责任险的基础上方可投保本的保险。办理了本项特约保险的机动车辆发生保险事故造成赔偿，对其在符合赔偿规定的金额内按基本险条款规定计算的免赔金额，保险人负责赔偿。也就是说，办了本保险后，车辆发生车辆损失险及第三者责任险方面的损失，全部由保险公司赔偿。
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<span style="color: #00B0F0; font-size: 24px;"><strong>车险搭配：</strong></span><br/>
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<span style="color: #000000; font-size: 18px;" class="135brush" data-brushtype="text">全面型</span>
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交强险+商业三责险（100万元）+车损险+车上人员责任险+盗抢险+玻璃单独破碎险+不计免赔特约+车身划痕损失险。
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约有20%的车主选择此类型组合。适合于新车新手及需要全面保障的车主。
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<section style="display: table; width: 100%; color: inherit; border-color: rgb(72, 192, 163);" data-width="100%">
<section style="display: table-cell;line-height:1em;">
<em class="autonum" style="color: #000000; font-size: 42px;" data-original-title="" title="">2</em>
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</section>
</section>
<section style="color: rgb(72, 192, 163);float: left;">
<span style="color: #000000; font-size: 18px;" class="135brush" data-brushtype="text">常规型</span>
</section>
</section>
</section>
</section>
<p style="text-indent: 2em;">
交强险+商业三责险（50万元）+车损险+车上人员责任险+盗抢险+不计免赔特约。
</p>
<p style="text-indent: 2em;">
约有60%的车主选择此类组合。适合于有长期固定人员看守的停放场所停放的车辆，也适合于有一定驾龄、愿意自己承担部分风险的车主。
</p>
</section>
</section>
<section class="_135editor" data-tools="135编辑器" data-id="86005" style="border: 0px none; padding: 0px; position: relative;">
<section class="135brush" style="overflow: auto; font-size: 15px; margin-bottom: 16px; line-height: 1.45; padding: 16px; border-radius: 3px; word-wrap: normal; color: rgb(51, 51, 51); box-sizing: border-box; background-color: rgb(247, 247, 247);">
<section class="_135editor" data-tools="135编辑器" data-id="85855" style="border: 0px none; padding: 0px;">
<section style="text-align: center;margin:10px auto;">
<section style="border-top:solid 2px; border-bottom:solid 2px;padding: 4px 10px 4px 0px;display: inline-block;">
<section style="display: inline-block; float: left; width:60px;background-color: rgb(254,254,254);margin-top:-8px;">
<section style="display: table; width: 100%; color: inherit; border-color: rgb(72, 192, 163);" data-width="100%">
<section style="display: table-cell;line-height:1em;">
<em class="autonum" style="color: #000000; font-size: 42px;" data-original-title="" title="">3</em>
</section>
</section>
</section>
<section style="color: rgb(72, 192, 163);float: left;">
<span style="color: #000000; font-size: 18px;" class="135brush" data-brushtype="text">经济型</span>
</section>
</section>
</section>
</section>
<p style="text-indent: 2em;">
交强险+商业三责险（50万元）+车损险+不计免赔。
</p>
<p style="text-indent: 2em;">
约有15%的车主选择此类型组合。适用于车辆使用较长时间以及驾驶技术娴熟、愿意自己承担大部分风险的车主。
</p>
</section>
</section>
<section class="_135editor" data-tools="135编辑器" data-id="86005" style="border: 0px none; padding: 0px;">
<section class="135brush" style="overflow: auto; font-size: 15px; margin-bottom: 16px; line-height: 1.45; padding: 16px; border-radius: 3px; word-wrap: normal; color: rgb(51, 51, 51); box-sizing: border-box; background-color: rgb(247, 247, 247);">
<section class="_135editor" data-tools="135编辑器" data-id="85855" style="border: 0px none; padding: 0px; position: relative;">
<section style="text-align: center;margin:10px auto;">
<section style="border-top:solid 2px; border-bottom:solid 2px;padding: 4px 10px 4px 0px;display: inline-block;">
<section style="display: inline-block; float: left; width:60px;background-color: rgb(254,254,254);margin-top:-8px;">
<section style="display: table; width: 100%; color: inherit; border-color: rgb(72, 192, 163);" data-width="100%">
<section style="display: table-cell;line-height:1em;">
<em class="autonum" style="color: #000000; font-size: 42px;" data-original-title="" title="">4</em>
</section>
</section>
</section>
<section style="color: rgb(72, 192, 163);float: left;">
<span style="color: #000000; font-size: 18px;" class="135brush" data-brushtype="text">风险型</span>
</section>
</section>
</section>
</section>
<p>
<br/>
</p>
<p style="text-indent: 2em;">
只购买交强险。交强险只赔付事故中第三方（受伤害一方），人员伤亡最高赔付11万元，住院医疗1万元，财产损失2000元，但发生车祸造成的人员死亡赔付应在60万以上，住院医疗费用也是远远不够，2000元的车辆损失费用更是相差甚远。并且，自己的车损或被盗需自己承担。因此，此搭配风险极大。
</p>
<p style="text-indent: 2em;">
约有5%的车主选择此类型组合。
</p>
<p style="text-indent: 2em;">
一般不建议选择此项。
</p>
</section>
</section>
<section class="_135editor" data-tools="135编辑器" data-id="86005" style="border: 0px none; padding: 0px; position: relative;">
<section class="135brush" style="overflow: auto; font-size: 15px; margin-bottom: 16px; line-height: 1.45; padding: 16px; border-radius: 3px; word-wrap: normal; color: rgb(51, 51, 51); box-sizing: border-box; background-color: rgb(247, 247, 247);">
<section class="_135editor" data-tools="135编辑器" data-id="85855" style="border: 0px none; padding: 0px; position: relative;">
<section style="text-align: center;margin:10px auto;">
<section style="border-top:solid 2px; border-bottom:solid 2px;padding: 4px 10px 4px 0px;display: inline-block;">
<section style="display: inline-block; float: left; width:60px;background-color: rgb(254,254,254);margin-top:-8px;">
<section style="display: table; width: 100%; color: inherit; border-color: rgb(72, 192, 163);" data-width="100%">
<section style="display: table-cell;line-height:1em;">
<em class="autonum" style="color: #000000; font-size: 42px;" data-original-title="" title="">5</em>
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</section>
</section>
<section style="color: rgb(72, 192, 163);float: left;">
<span style="color: #000000; font-size: 18px;" class="135brush" data-brushtype="text">自由选择自燃险</span>
</section>
</section>
</section>
</section>
<p style="text-indent: 2em;">
此险种是指被保险车辆在使用过程中，因电器、线路、供油系统发生故障引起燃烧造成被保险车辆损失，依法由保险公司负责赔付。对于此险种保险专家建议如果汽车使用年限过长，机件老化，可以购买“自燃险”。另外，经常长途营运的车辆也应当购买“自燃险”。
</p>
</section>
</section>
<section class="_135editor" data-tools="135编辑器" data-id="87691" style="border: 0px none; padding: 0px;">
<p style="text-align:center;">
<img data-id="87691" data-role="guide-img" title="叶子分割线" src="http://image3.135editor.com/cache/remote/aHR0cHM6Ly9tbWJpei5xbG9nby5jbi9tbWJpei96aWFkRERReGJDSkZEcTFNYW9OY2xhSk9wRWxjemliaWE2VVh0eENhZGtJdmRLVWlhTFZrdVZuaGt4MzJBM0pDTTZJNGhvd3BIMTc1cENob0ZhWG45Z0tTaWNBLzA/d3hfZm10PXBuZw==" style="display: inline;"/>
</p>
</section>
<section class="_135editor" data-tools="135编辑器" data-id="85354" style="border: 0px none; padding: 0px; position: relative;">
<section style="border: none; margin: 10px 0px 20px; box-sizing: border-box;">
<section style="box-sizing: border-box; color: inherit; border-color: rgb(254, 236, 175); padding: 0px; margin: 0px;">
<section class="135brush" data-style="color:inherit;font-size:16px;text-align:center;line-height:1.5em;" style="border-radius: 0px 0em 0em 0px; box-sizing: border-box; color: rgb(172, 133, 2); display: block; font-size: 16px; text-align: left; padding: 1em; border-color: rgb(254, 236, 175); margin: 0px; background-color: rgb(254, 236, 175);transform: rotateZ(0deg);-webkit-transform: rotateZ(0deg);-moz-transform: rotateZ(0deg);-o-transform: rotateZ(0deg);">
<p style="color: inherit; font-size: 16px; text-align: left; line-height: 1.5em; text-indent: 2em;">
<strong>二郎特别提醒各位车主，提前续保好处多，切莫在车险“真空期”上路！</strong>
</p>
<p style="color: inherit; font-size: 16px; text-align: left; line-height: 1.5em; text-indent: 2em;">
<strong>提前续保，不让车险有“空窗”！</strong>
</p>
</section>
</section>
<section style="margin: -18px 8px 10px; padding: 0px; border-right-width: 90px; border-left-width: 0px; border-right-style: solid; border-right-color: rgb(254, 236, 175); border-left-color: rgb(254, 236, 175); display: inline-block; max-width: 100%; height: 60px; width: 50px; vertical-align: top; float: right; color: inherit; border-bottom-width: 60px !important; border-top-style: solid !important; border-bottom-style: solid !important; border-top-color: transparent !important; border-bottom-color: transparent !important; word-wrap: break-word !important; box-sizing: border-box !important;transform: rotate(-50deg);-webkit-transform: rotate(-50deg);-moz-transform: rotate(-50deg);-o-transform: rotate(-50deg);"></section>
</section>
</section>
</section>
<p style="text-align: center;">
<br/>
</p>
<p style="text-align: center;">
<span style=";font-weight: 700; color: #333333; font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 20px; line-height: 30px; text-align: center; background-color: #FCFDFE;;color: #1F497D;">往期回顾</span>
</p>
<p>
<span style=";font-weight: 700; color: #333333; font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 20px; line-height: 30px; text-align: center; background-color: #FCFDFE;;color: #1F497D;"><br/></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">初始期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2347412" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2347412</a></span><span style="font-weight: 700; color: #1F497D; font-size: 14px;"><br/></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">第一期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2347987" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2347987</a></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">第二期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2348724" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2348724</a></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">第三期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2349559" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2349559</a></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">第四期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2350228" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2350228</a></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">第五期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2350924" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2350924</a></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-align: center; text-indent: 0em; background-color: rgb(252, 253, 254);">
<span style="color: #1F497D; font-size: 14px;">第六期：<a href="http://share.yewn.cn/wap/thread/view-thread?tid=2351348" target="_self">http://share.yewn.cn/wap/thread/view-thread?tid=2351348</a></span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-indent: 0em; background-color: rgb(252, 253, 254);">
<br/>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-indent: 0em; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #FF0000; font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; text-align: center; background-color: #FCFDFE;">扫码关注车友会公众号，更多惊喜福利等着你！</span>
</p>
<p style="color: rgb(51, 51, 51); font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; white-space: normal; text-indent: 0em; text-align: center; background-color: rgb(252, 253, 254);">
<span style="color: #FF0000; font-family: Tahoma, 'Microsoft Yahei', Simsun; font-size: 14px; line-height: 21px; text-align: center; background-color: #FCFDFE;"><img src="http://image.135editor.com/files/users/263/2632617/201708/MCzq9UL7_BdPC.png" alt="尾图简化.png"/></span>
</p>
</section> 还不错，买保险我喜欢买全套，毕竟有总比没有好吧 我觉得少点好吧。。。。毕竟每年保险费也不是小数目啊，很多没用的项目是可以忽略掉的。。。 应当购买全险
一阵轻风 发表于 2017-8-23 17:35
应当购买全险
现在保险种类太多了，感觉全都买支出太多
长知识了
！！！
是不是有做保险的朋友就不会被坑了
二郎 发表于 2017-8-23 20:22
现在保险种类太多了，感觉全都买支出太多
费用是大了些，但安全放心呀
azheng 发表于 2017-8-24 00:24
是不是有做保险的朋友就不会被坑了
那也不一定，主要看人，有的人亲戚的钱都要赚。。 一阵轻风 发表于 2017-8-24 00:52
费用是大了些，但安全放心呀
是这么说的，但是有些险并没有必要买，增加负担
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