保障您在驾车过程中遭遇的意外而导致的人身伤亡责任和财产损失, 也保障自然灾害和偷盗产生的损失。
加州车管所规定所有已注册的机动车辆必须购买汽车保险。 车险报价会根据个人情况不同而有很大的差别。我们会根据个人情况, 为您推荐最适合的汽车保险。
Protect your personal injury liability and property damage caused by accidents during driving, as well as natural disasters and losses caused by theft. California DMV requires all registered motor vehicles to have auto insurance. Auto insurance quotes can vary greatly depending on individual circumstances. We will recommend the most suitable car insurance for you according to your personal situation.
保障期限 Warranty period
大部分公司可选六个月或者一年, 保险公司会每六个月/一年重新评估您的保费。
Most companies choose six months or one year, and the insurance company will reassess your premium every six months/year.
保费 Premium
根据投保人年龄, 驾龄, 驾驶记录, 车辆价值等因素决定。
It is determined based on factors such as the policyholder’s age, driving experience, driving record, and vehicle value.
汽车保险主要保险项目 Main insurance items of auto insurance
第三方责任险 Liability
碰撞险 Collision
综合意外险 Comprehensive
肇事方无保险和无充分保险保险 Uninsured/Under-Insured Motorist
医疗费用保险 Medical Payment (通常触发于个人健康保险之后)
道路救援/拖车服务 Roadside Assistance/Towing
租车补偿险 Rental Reimbursement
全险以及保险大概的界定 Full Coverage and general definition of insurance
半险
Liability-Only 即半险
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半险： 大部分人认为的半险是仅投保<第三方责任险Liability>。车保险公司不会赔偿投保人的损失，通常会根据客人需求加保<肇事方无保险和无充分保险保险Uninsured/Under-Insured Motorist>。
全险
Full Coverage 即全险
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全险： 大部分人认为的全险是<第三方责任险Liability> + <碰撞险Collision> + <综合意外险Comprehensive>, 会保障投保人的自身车辆的损失。
汽车保险可享受的主要折扣 Major discounts available on car insurance
好学生折扣 Good Student Discount
住宿生折扣 Away-From-Home Student Discount
有安全带/安全气囊 Passive Restraint, 防刹车抱死系统Anti-Lock Braking System, ABS 等安全设备也会享受一定折扣
老客户折扣 Loyalty/Persistency Discount, 每家公司的门槛会不同, 大部分会需要在同一家公司投保3年以上会给您自动加上这个降价折扣
多车辆折扣 Multi-Car Discount
车辆防盗设备折扣 Auti-Theft Car Discount
无事故/违规记录驾驶者折扣 Good Driver Discount
复合保险折扣 Multi-Policy Discount，通常针对在同一家公司投保个人车辆和房屋保险
低里程与使用车辆折扣 (并不是每一家保险公司都有)
一次性付清折扣 Paid-in-Full Discount
免责声明：限制和例外可能适用。 价格如有变更，恕不另行通知。 我们不保证或担保所提供信息的完整性和正确性，也不对所提供信息所造成的任何损失或损害负责。 请参考实际的保险公司文件或合同，了解参考计划和福利保险的条款，条件，限制或例外。
Disclaimer: Limitations and exclusions may apply. Prices are subject to change without notice. We do not warrant or guarantee the completeness and correctness of the information provided and we will not be liable for any loss or damage arising from the information provided. Please refer to the actual insurance company documents or contracts for the terms, conditions, limitations or exclusions of the referenced plans and benefits.