The funds needed to buy auto insurance are not always the same, and many factors such as car price, car age and car condition need to be investigated. Generally speaking, in the first year, many people will choose to buy full insurance, and the price will be relatively higher, and with the growth of car age, the price of auto insurance will fluctuate. But in fact, many people are not sure how to buy auto insurance in the second year, because the premium in the second year is obviously higher than the high discount in the third year, but it is still difficult to balance the scope of purchase. If you don't pay attention, you may be misled and pay more premiums. How to buy auto insurance in the second year? The first thing to note is that when our auto insurance is about to expire 2-3 months ago, there will be a related insurance company to renew your insurance at a higher price, and this insurance company is usually the one you bought last year, because when you bought auto insurance, the information was already circulated in the company. But at this time, don't rush to promise these insurance salesmen to buy insurance. At the same time, don't believe that they are senior staff of an insurance company and can get the biggest insurance purchase discount at present. In fact, they just give themselves a high title, convince you that this is the highest internal discount, and cheat you to renew your insurance. In fact, as long as you refuse this insurer, there will be endless "top management" inside the insurance company. I will call you several times every day to make an offer, which means that you have the highest insurance discount in the company, and the actual price is only one hundred to two hundred. So don't worry when buying auto insurance, you can compare the prices slowly. After all, you still have a few months. Even if the quotation of this insurance company doesn't satisfy you, there are other insurance companies for you to choose from. In addition, don't believe that there is a small sweet spot with high discount if you renew your insurance in advance. In fact, it is unnecessary to buy auto insurance one month in advance. The purpose of renewing your insurance in the second year is to renew your insurance in the first year. If the car owner renews the insurance in the second year prematurely, and there are still unresolved accidents in the first year, the insurance company will directly add them to the second year, so that the number of claims in the second year will be "for no reason" one more time. It is not too late to renew the insurance, because once the car insurance expires in the first year, the owner has not yet gone to the insurance company to renew the insurance, and it is likely that there will be a phenomenon of "out of insurance". If there is an accident in this gap, all the losses will be borne by the owner himself. Therefore, it is recommended to choose 1 day to 2 days in advance when renewing the insurance in the second year, because the effective time of auto insurance is generally 0: 00 the next day, so this time period is the best renewal time. When you buy insurance in the second year, you should also pay attention to the types of insurance you buy, because insurance companies usually quote the types of insurance you bought last year, and then make a certain discount. In fact, you can choose the corresponding commercial insurance according to your own situation, except for some just-needed insurance. For example, compulsory insurance, third party liability insurance, excluding deductible insurance, car damage insurance, and vehicle personnel liability insurance are all compulsory insurance. Other insurances such as glass insurance and scratch insurance depend on your own situation. Under normal circumstances, it is enough to buy the above five kinds of just-needed insurance.