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汽车需要买什么保险，如何买车险划算?

日期：2020年07月10日 类型：注意事项 作者：落叶乔木
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内容摘要：我们的汽车都少不了要买保险。汽车保险公司多种多样，保险种类也非常多，我们如何选择买什么保险呢？怎么保险最划算呢？

我们使用汽车必然伴随着购买汽车保险。我们买保险是因为防止无法承担在发生事故时产生的后果。我们需要保险公司的保额去帮我们分担后果。汽车保险现在也是多种多样。我们如何在保险海中选择合适的保险呢？怎么买车险才能最划算呢？今天小木就来给大家讲讲汽车都需要买什么保险以及如何买车险划算？

汽车保险分为交强险和商业险。交强险是我们必须要交的保险。而商业险则是我们可以自由选择购买的。有些人可能想着只买交强险。但是小木想告诉大家交强险的保额是比较低的，最高只能赔付22万左右。只买交强险是不够的，我们还是需要购买一些商业险。商业险中又有很多种类。包括盗抢险、车辆损失险、第三责任险、车上人员险和不计免赔险等。小木认为商业险购买车损险，第三者责任险，不计免赔险就行。其他的保险可以根据自己的情况购买。例如你当地降水非常多可以买个涉水险。

而如何买保险也是个复杂的问题。我们要考虑自己要在哪买保险。保险公司有大的保险公司（如人保、平安）和小的保险公司（各地都有一些）。大保险公司一般提供的服务更加全面，他们会送几次免费托运服务和送油服务等，它们的价格也比小保险公司相对较高一点。而小保险公司则需我们仔细分辨，小心骗子骗我们的钱。找些靠谱的小公司多了解一下它们也可以购买它们的保险，但是小公司服务肯定不如大公司，但价格可能便宜一点。我还是推荐大家买大保险公司的保险，虽然花的可能多点（其实贵不了太多），但我觉得更划算，因为更省事而且不用担心骗人的问题。此外买保险时一定仔细观看保险里面的保额、附加保险等。

其实保险金额与我们的驾驶也有关系，如果我们希望花更少的钱，就应该谨慎驾驶从而减少事故的发生。因为我们报保险的次数越少缴费就越少。我们违章行为越少缴费也越少。以上就是小木为大家介绍的汽车如何买保险划算。

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