在加拿大
现在要买汽车保险。上了芦荟买的那家的网站，算下来，咋得4000多/年？51网上买保险的报价从100多到200多不等，不知可信么？保险是当天买完就生效么？买车程序是不是先找准保险公司，然后买回车，然后找保险公司买保险？ 同志们有啥好推荐么？
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walk a mile in another man's shoe to understand his situation. 赏 2006-02-17#3 V
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以前，这里有很多买汽车保险的资料，可以查到网上买保险的网址，一般保险在你已经定下买这辆车时开始申请，多找几家保险公司比较一下价格，也可以在51网上找保险代理人买，一般新手在200刀左右，找代理就的买便宜的130-150左右，因为需要交代理费400左右，有了保险就可以过户了。过户后车就是你的了，换上牌子自己开回家。很爽的开车回家！
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如果你买了保险，保险公司会给你一个保号，就可以上道了，几天后会给你邮寄保单，平时需要放在车上，一旦发生事故互相交换信息。
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Collision Deductible （Provides protection to the vehicle when it is involved in a collision with another vehicle or object, or is tipped over. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.）和Comprehensive Deductible（Provides protection to the vehicle when it sustains damages other than those described under Collision coverage. Namely: fire; theft; lightning, windstorm, hail, rising water or earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; stranding, sinking, burning, derailment or collision of any kind in, or upon, which the vehicle is being transported; falling or flying objects; and vandalism. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.）是啥费用？买第三险是必交的么？
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alf 说:如果你买了保险，保险公司会给你一个保号，就可以上道了，几天后会给你邮寄保单，平时需要放在车上，一旦发生事故互相交换信息。点击展开...你买了么？买的哪家的能告诉一下么？
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vivienne98 说:Collision Deductible （Provides protection to the vehicle when it is involved in a collision with another vehicle or object, or is tipped over. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.）和Comprehensive Deductible（Provides protection to the vehicle when it sustains damages other than those described under Collision coverage. Namely: fire; theft; lightning, windstorm, hail, rising water or earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; stranding, sinking, burning, derailment or collision of any kind in, or upon, which the vehicle is being transported; falling or flying objects; and vandalism. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.）是啥费用？买第三险是必交的么？点击展开...第三险就是the third party liability，一般都是100万保额如果想加上偷盗啥的就要再加上comprehensive coverage(一般选择300或500deducatalbe）再加撞车险就是collision coverage（有deductable的，一般选择500或者1000)
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mfcguy 说:第三险就是the third party liability，一般都是100万保额如果想加上偷盗啥的就要再加上comprehensive coverage(一般选择300或500deducatalbe）再加撞车险就是collision coverage（有deductable的，一般选择500或者1000)点击展开...谢谢mfc 。可是俺在保险公司的网站上计算时，为啥这两项不能定为0？是不是非交不可啊 ？
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一般买100万，但是对于我们新移民为了节省保费，可以买20万，但必须的买。
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我的那家公司现在保费很高，最好不要买他家的，我忘了英文名字。
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其实，个人认为找代理比较划算，保费低，如果不出意外，明年的保费会更低，比我们自己申请的节省很多。我的一个朋友就是找代理，不过也有人说代理一般会作假，真的发生事故不知道保险公司会否理赔。
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alf 说:其实，个人认为找代理比较划算，保费低，如果不出意外，明年的保费会更低，比我们自己申请的节省很多。我的一个朋友就是找代理，不过也有人说代理一般会作假，真的发生事故不知道保险公司会否理赔。点击展开...做假自己看不出来么
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做假的就是假保单，你的钱没有到保险公司手里，保险公司当然就不陪了。
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泉涸，鱼相与处于陆，相嘘以湿，相濡以沫，不如相忘于江湖Collision Deductible （Provides protection to the vehicle when it is involved in a collision with another vehicle or object, or is tipped over. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.）和Comprehensive Deductible（Provides protection to the vehicle when it sustains damages other than those described under Collision coverage. Namely: fire; theft; lightning, windstorm, hail, rising water or earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; stranding, sinking, burning, derailment or collision of any kind in, or upon, which the vehicle is being transported; falling or flying objects; and vandalism. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.）是啥费用？买第三险是必交的么？点击展开...98姐姐，你说的这个是你出险的时候，你自己必须交的那部分，就是头500--1000是你自己先交上，超过部分才由保险公司出，这也是为什么有好多人在车碰了或刮了的时候，都不找保险公司，双方就自行协商解决了，修车费--甚至你给对方一些修车钱（如果你认为是你的责任），不超过自己应付的部分就没有必要去保险公司，不然是没吃到鱼还搞到一身腥（明年的保费飞涨的说）。----反之亦然。当然是必须交的，不然大家有点问题就找保险公司，他岂不是赔了，他这样做就可以少赔不少钱了。
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