How to maintain a used car after buying it? What insurance should I buy for a used car?

For a novice driver, if you want to buy a car, it is more cost-effective to buy a used car first to practice. In this way, even if there are bumps and scratches, you don’t have to feel too bad. It’s not too late to buy a new car after you have mastered the driving skills. A used car must also be well maintained for subsequent normal use. So how should a used car be maintained? How to get insurance?

How to maintain a used car when you just bought it

In addition to routine vehicle inspections, replacing the vehicle's oil and inspecting and replacing aging and loose chassis parts as appropriate can keep the vehicle's performance in good condition. For vehicles with iridium platinum or double iridium spark plugs, the service life of the spark plugs is generally about 8 to 10 kilometers. During the 100,000-kilometer maintenance, it is also recommended to remove the spark plugs for inspection or direct replacement, and check whether the carbon deposits are serious. If there are too many carbon deposits, replace the spark plugs and clean the carbon deposits on the back of the intake valve and the combustion chamber at the same time, which can improve starting performance, reduce fuel consumption, and improve acceleration performance.

In addition, for older models over 4 or 5 years old, slight leakage in the engine and gearbox seals can generally be ignored. If the chassis suspension rubber sleeves and ball head parts are loose, timely repair and treatment of loose parts and then four-wheel alignment can reduce abnormal tire wear and improve driving stability.

The condition of each used car is different. If the car is in good condition, the cost of repair after purchase is not high. Generally, regular maintenance, replacement of oil and replacement of wearing parts can meet daily car needs.

What kind of insurance is good for a used car?

In addition to compulsory traffic insurance, there are several other options for car insurance that you must buy. They are for reference only based on your personal situation.

1. Comprehensive type: compulsory traffic insurance + commercial third-party liability insurance (500,000 yuan) + vehicle damage insurance + vehicle occupant liability insurance + no deductible + vehicle body scratch loss insurance. About 20% of car owners choose this type of combination. Suitable for novices and car owners who need comprehensive protection.

2. Conventional type: compulsory traffic insurance + commercial third-party liability insurance (300,000 yuan) + vehicle damage insurance + vehicle occupant liability insurance + no deductible. About 60% of car owners choose this combination. It is suitable for vehicles parked in parking places with long-term fixed personnel, and also suitable for car owners with a certain driving experience.

3. Economic type: compulsory traffic insurance + commercial third-party liability insurance (200,000 yuan) + vehicle damage insurance + no deductible. About 15% of car owners choose this type of combination. It is suitable for car owners who have used the vehicle for a long time and have skilled driving skills.

What are the problems you should not face when buying a used car?

1. Unable to find maintenance records

At present, the used car market is becoming more and more transparent, and consumers are becoming more and more familiar with the market conditions and channels for used cars. The previous phenomenon of deep waters in the used car market is becoming more and more distant.

No matter which mainstream brand of car, as long as there is a 4S store, the maintenance record can be checked at the 4S store. If you find a repair shop to maintain it yourself after buying the car, the 4S store will not be able to find the record. This is not to say that repair shops are definitely not as good as 4S stores, but that the technology of repair shops varies. If you have a choice, why not choose a car that is maintained on time at a 4S store?

2. Refusing to put the product on the shelf for inspection

This on-shelf inspection refers to going to a repair shop or 4S shop and having a maintenance technician lift up the vehicle chassis for a comprehensive inspection. This method can check ① the engine oil leakage, ② whether the chassis has been repaired, ③ the rust condition of the chassis, etc. It can be said that the actual condition of the vehicle can almost be fully dug out.

If the seller refuses to put the vehicle up for inspection, it means there is a shameful reason. If the questioner encounters such a situation, turn around and leave!

3. Revised/Restored

Why shouldn’t you buy a used modified car? First of all, modification is a kind of damage to the vehicle, either drilling holes in the body or replacing parts, etc. The most important thing is that modified cars will be "driving the car", which means that the car will often be driven to the limit. Although this state will not damage the car, no one wants to buy a car that is often driven hard, right?

Even if a modified car is restored to its original state, the wear and tear and use of the vehicle during the modification period are inevitable. So you should understand what I mean, right?

4. Non-transferable

Cars that cannot be transferred are usually related to economic disputes. They are either mortgaged cars or cars with questionable origins. Don't buy such cars even if the price is much lower than cars in the same condition. Otherwise, having the car confiscated is a small matter. If you are involved in economic disputes and are held jointly liable, then you will lose both the wife and the army. It is a big loss for the sake of a small profit.