How much does it cost to insure a new car now, and how much does it cost to buy insurance for a new

After the new car arrives, many car owners will buy insurance for the vehicle, so how much does it cost to have full insurance for a new car a year, and what are the benefits of full insurance? This question may be one of the eternal topics that many people will ask, and as long as it is a big question that anyone who buys a car will be concerned about. In fact, this issue covers a wide range of things, and it involves many things, which is very general.

However, when you can buy full insurance, you need to know what are the types and types of insurance. So let's briefly understand that the commercial insurance of the vehicle is divided into main insurance and additional insurance. The main insurance is divided into:

There are five categories of car damage insurance, total car theft insurance, third-party liability insurance, and vehicle personnel insurance, excluding deductibles. Additional insurances include: spontaneous combustion loss insurance, new equipment loss insurance, glass breakage insurance, no-fault liability insurance, wading insurance, etc., and the additional insurance is different according to the distinction of each insurance company.

So how much is the full insurance for a new car for a year, and what insurances are included? To give you a simple example, consider that most families buy a vehicle with a value of about 100,000 yuan for economic adaptation, take it as an example. The first one, of course, is 950 yuan of compulsory traffic insurance, which is not said to be paid; Next, the car damage insurance is about 1,000 yuan, and the third-party liability insurance can choose to insure 50,000, 100,000, and 200,000 yuan, if it is calculated according to 100,000 yuan, it is 600 yuan, and the theft insurance is about 300 yuan. Secondly, when it comes to the people on the bus, if it is calculated according to 5 seats, 10,000 yuan per seat is about 100 yuan; And then to this, the above items are not deductible, if they add up, the cost is about 400 yuan.

Finally, it came to the risk of additional insurance, 50 yuan for spontaneous combustion insurance, 100 yuan for glass breakage alone according to domestic glass, 300 yuan for scratch insurance and more than 50 yuan for deductibles other than these three. Therefore, the cost of full insurance for one year on a new car is about 4,000. So if you calculate it this way, the cost of a year is not very high, but it is really worth buying.

Of course, how much is the new car insurance depends on the specific price of the vehicle, as well as the insurance company that chooses to insure, the corresponding premium is high if the vehicle value is high, and the cost of full insurance for one year set by each insurance company is also inconsistent, so when you buy, you can refer to several large insurance companies with good reputation, so that you can make a better choice.

Hope this helps.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

When buying new car insurance, we should beware of being fooled by salespeople, the types of insurance we buy are different, **different, the amount of protection is different, **different. It is recommended to buy compulsory traffic insurance, third-party liability insurance, deductible insurance and car damage insurance for at least the first year, and the compulsory traffic insurance** is priced uniformly nationwide according to the number of seats in the vehicle. Generally speaking, for a car of 100,000 yuan, the insurance is about 4,000 yuan.

Here's what car insurance looks like:

1. Compulsory traffic insurance 950 yuan (must be purchased);

2. The car damage insurance is almost 1,000 yuan;

3. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan;

4. More than 300 theft insurance;

5. The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan;

6. The above items add up to 400 yuan without deductibles;

7. Spontaneous combustion insurance 50 yuan;

8. If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass;

9. Scratch insurance is 300 yuan.

10. And these 3 are not counted as deductible of more than 50 yuan.

Ask the car price of 670,000 yuan, how much is the first mortgage insurance.

Be patient.

Summary. Full insurance for a new car below 150,000 yuan requires about 4,000 yuan of insurance.

Full insurance for a new car below 150,000 yuan requires about 4,000 yuan of insurance.

The insurance for the first year of the new car, the car seller is all-inclusive, which means that you must buy these insurances, you can't choose, the premium is between 3500-6000, and the premium is different for each store and the price of the car. 

In the second year, when you can buy insurance by yourself, it is okay to buy only one compulsory traffic insurance for 950 yuan