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汽車保險怎麼挑？新手必看指南，避開4大投保陷阱！
剛買新車或第一次要保車險的新手駕駛，面對複雜的保險條款總是頭痛嗎？這篇將用最簡單的方式，帶你搞懂車險怎麼買最划算！
一、新手必保3大基本險
強制險（法律規定必須保）理賠範圍：對方人員傷亡（最高200萬/人）保費參考：小型車約1,200-1,800元/年注意：不賠自己車損和對方財物損失
第三人責任險（強烈建議加保）理賠範圍：對方車損+人員超額傷亡保額建議：至少投保「300/1500/50萬」（人傷/死殘/財損）真實案例：撞到超跑時，基本強制險根本不夠賠！
車體險（新車建議保）分為甲式（最全）、乙式（次之）、丙式（僅車碰車）新車建議：至少保乙式，5年以上舊車可考慮丙式
二、聰明加保2種附加險
超額責任險（CP值最高）功能：當第三人責任險不夠賠時啟動保費：1,000萬保額約2,000元/年適合：經常開車通勤或接送家人
駕駛人傷害險（保障自己）注意：和強制險附加的「乘客險」不同理賠：自己開車時的意外醫療/死殘
三、4大常見投保陷阱
只比價格不看條款小心：某些便宜保單有「自負額特高」或「排除條款」
業務員話術陷阱破解：聽到「全險」要問清楚到底包含哪些
忘記申請無肇事折扣最高可省：連續5年無肇事紀錄折扣60%
續保前沒重新評估建議：舊車隨車齡調降車體險等級
四、不同族群的投保建議
新車車主最佳組合：強制險+乙式車體險+300萬第三人+超額1,000萬
中古車主經濟組合：強制險+丙式車體險+200萬第三人+超額500萬
偶爾用車族基本組合：強制險+100萬第三人+駕駛人傷害險
五、車險省錢3大招
網路投保折扣：多家公司提供線上投保15%優惠
多車同時投保：同一保險公司可享團保折扣
提早續保：部分公司提供提前續約5%折扣
專家提醒：「車險不是越便宜越好，而是要買對不買貴！」建議新手先了解自己的用車習慣和風險承受度，再選擇適合的保險組合。現在就檢視你的保單，看看是否有需要調整的地方吧！**
下一步行動建議：
收集3家保險公司報價單比較
檢查現有保單的保障範圍
設定續保提醒日期（建議到期前1個月）
7 EASY WAYS TO LOWER YOUR CAR INSURANCE PREMIUMS BEFORE THE REST IS PAID BY THE INSURER IF YOU'RE A SAFE DRIVER OFFER TO PAY HIGHER EXCESS EXCESS IS THE MAX AMOUNT AN OWNER HAS TO PAY YOU ALSO PAY LOWER PREMIUMS FOR HIGHER EXCESShere's how you can compare all the motor insurance in just one call but wait why are we doing this you see the motor insurance market in Singapore is very competitive don't you think so but there's one big problem do you guys have the time and energy to research or compare the different options out there there's so many options out there that it could end up becoming more confusing than helpful Dixon do something being a 36 years old automotive company and a top motor insurance player am I right to say if my car is parked stationary which EV car is always on century mode so if it's stationary and it catch fire itself yup insurance no pay off yes that's right OK EV fire the insurance coverage driver from motorist from great instant 的 Insurance Advisor have the best positionto tell you what OK let's go hi I'm Anson from your performance NCD stands for no claim discount it's basically a reward from your insurer if you haven't made any claims the longer you drive safely the more you save up to 50% off your car insurance it's tied to your policy not to you personally NCD follows each insurance policy not you as a driver if you have two cars each car has to earn its own NCD separately if you sell your car you can move your NCD to your next car but if you own more than one car you have to choose which car gets it you can't split it if you don't own a car now car insurance is a must but not sure what to get let's break it down for you so you don't end up uninsured or overpaying in Singapore there are three main types of car insurance and what you choose really affects how much Protection you get and of course how much you will pay the bare minimum is the third party only or call TPO it only covers damage or injury you cause to other party or their property so if your own car gets damaged you're on your own yes it's cheap but it is also risky and it's usually used for cars with very low value same driver same car but why does one insurer quote 1.2 thousand but another quote you 2000 car insurance premium in Singapore may vary significantly because of the different ways that insurer calculate risk some insurer may put a greater weightage on factors such as age and driving experience while the other may focus more on the car models claim histories and and many more apart from the formulas insurers may also use different data set in their calculations one insurer may have more claims for a particular car model what are some practical ways to save money on insurance costs in Singapore such as health insurance or vehicle insurance just buy annually I mean just pay annually because you will save like 5 to 10% huh why leh lesser I think lesser admin charges pay yearly can let you save around that kind of like 5 10% correct you see if let's say 5% is $200 then you buy the product for 20 years that's $4000 eh can buy a product back like for her case you know car insurance should you only get third party fire and theft or should you top up a little bit more for comprehensive car insurance this is something that I've talked about before and I always always advise my clients and friends to top up that little bit more for comprehensive car insurance there are many scenarios where your car can get damaged but you can't claim for the damages from someone else recently mothership covered this incident where a car encountered a hit and run the video is actually quite funny because the passenger crawled to come and check the damages and then quickly ran away you need to know these tips to reduce your car insurance opt to pay a higher excess the excess is what you have to pay if you wanna make a claim and the premium is what you pay to keep your car insured choosing to pay a higher excess usually means a lower premium often you can also choose to pay yearly instead of monthly and also get a lower rate is your car making a strange noise or do you have a crack in your windshield that you need to get fixed if so you're not alone 43% of Gen Z and 47% of millennials are putting off some sort of car maintenance according to Uis Car Care Report every Singapore car owners must know this if not you end up paying more share and save this for your future reference No. 1 disclose all your modifications and make sure you declare every change from your expensive bigger rims to your engine modification insurers only have the obligation to cover a stock car if it's not declared they can also turn away claims if they are illegal modifications No. 2 if you enjoy basking in the sunlight through your sunroof ensure your insurers cover them some insurers charge extra premium for these sun or moon roofs
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