How much does it cost to buy insurance for a new car of 200,000

The insurance that needs to be purchased for a new car includes: compulsory traffic insurance, third-party commercial liability insurance, car damage insurance, deductible insurance, etc., you can choose the insurance you want to buy based on your actual situation and family economic conditions.

1. Compulsory traffic insurance is China's first compulsory insurance system implemented by national laws, and its premiums are subject to a unified national charging standard and are uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, the main influencing factor is the number of car seats, and the first year of compulsory traffic insurance for family cars with less than 6 seats is 950 yuan; The first year of compulsory traffic insurance for a 6-10 seater family car is 1,100 yuan.

2. The premium of third-party liability insurance, excluding deductible insurance, and car damage insurance is mainly related to the type of car, the number of seats and the value of the car, etc., and the charges of different insurance companies and different regions will be different, the higher the value of the car, the higher the premium, and the higher the amount of insurance, the premium will also increase, and the specific premium still needs to be calculated based on the actual situation of the personal vehicle, if necessary, you can contact the insurance company for detailed consultation.

1. Comprehensive type: compulsory traffic insurance + commercial three liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + glass separate breakage insurance + deductible special contract + body scratch loss insurance.

About 20% of car owners choose this type combination.

Suitable for new car owners and car owners who need comprehensive protection.

2. Conventional type: compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + deductible special contract.

About 60% of car owners choose this type of combination.

It is suitable for vehicles parked in parking places with long-term fixed personnel guarding, and also suitable for car owners who have a certain driving experience and are willing to bear part of the risks themselves.

3. Economical: compulsory traffic insurance + commercial three liability insurance (100,000 yuan) + car damage insurance + deductible.

About 15% of car owners choose this type of combination.

It is suitable for owners who have been using their vehicles for a long time and who are skilled in driving and are willing to take most of the risks themselves.

4. Risk-based: only purchase compulsory traffic insurance. Compulsory traffic insurance only pays the third party (injured party) in the accident, the maximum compensation is 110,000 yuan, 10,000 yuan for hospitalization, and 2,000 yuan for property damage, but the compensation for death caused by a car accident in most areas should be more than 200,000 yuan, and the hospitalization medical expenses are far from enough, and the vehicle loss cost of 2,000 yuan is far from the same.

In addition, you will be responsible for any damage or theft of your car. Therefore, this combination is extremely risky.

Compulsory traffic insurance is divided according to the number of seats, as for commercial insurance, it depends on how much insurance you buy.

1. Compulsory traffic insurance: 79 yuan per month

Insurance and vehicle and vessel taxes.

It's a very important part. If the insurance is not insured, there will be a discount for the next year, for convenience, here we calculate according to the first year.

Compulsory traffic insurance is a must, 79 yuan per month, 948 yuan per year. Because the compensation amount of compulsory traffic insurance is limited, many car owners will also buy some commercial insurance.

2. Commercial insurance: 414 yuan per month

For a car of 200,000 yuan, buy and pay 500,000 yuan for three party insurance, car damage insurance, and vehicle personnel liability insurance.

Excluding the deductible and these basic insurances, excluding the compulsory traffic insurance, the annual cost is about 4,966 yuan, which is about 414 yuan a month.

3. Vehicle and vessel tax: January

Vehicles registered in China have to pay vehicle and vessel tax every year, and the insurance company generally pays it when buying compulsory insurance. Small passenger cars are determined according to displacement, we take Shenzhen as an example: 300 yuan per year, 390 yuan per year.

Fuel costs. The fuel consumption of a car of 200,000 yuan, we list three cars here, and then take the average.

For example, the Passat.

Word-of-mouth fuel consumption is around; Accord word-of-mouth fuel consumption is, Regal.

Word-of-mouth fuel consumption, on average, fuel consumption per 100 kilometers is around!

Hello! 200,000 car insurance** is closely related to factors such as the service life, the type of insurance bought, the specific amount of insurance, etc., generally if you buy compulsory traffic insurance, three liability insurance, car damage insurance, and deductible insurance, the first year will cost about 4,200 yuan.

It is estimated to be about 5,000 yuan. The full insurance includes 8 types of insurance, namely traffic compulsory insurance, vehicle loss insurance, deductible insurance, third-party liability insurance, vehicle personnel liability insurance, vehicle theft insurance, scratch insurance, and glass breakage insurance. Except for compulsory traffic insurance, which is mandatory to purchase, the other 7 types are commercial insurances that can be purchased as an option.

About 4000 yuan. The cost of buying different car insurance policies varies. Taking the purchase of compulsory traffic insurance, third-party liability insurance, car damage insurance, and vehicle personnel accident insurance as an example, the cost of car insurance for one year is about 4,000 yuan.

If you buy scratch insurance, glass insurance, theft insurance, etc., the cost will be higher.

Car insurance precautions.

The insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract. Therefore, neither over-insured nor under-insured can obtain additional benefits.

Each type of insurance has its own insurance liability, if the vehicle really has an accident, the insurance company can only bear the insurance liability according to the original insurance contract to pay compensation, and some other losses of the car owner may not be compensated.

1. Compulsory traffic insurance is 950 yuan (less than 6 seats).

2. Commercial insurance includes:

Third party liability insurance (877 yuan).

Vehicle loss insurance (2715 yuan), basic premium + naked car***.

Excluding deductible special insurance (718 yuan), (vehicle loss insurance + third party liability insurance) * 20%.

Liability insurance for people on the bus (200 yuan for 4 people), the premium per person is 50 yuan, which can be filled in according to the actual number of seats in the vehicle.

No fault liability insurance (175 yuan), third party liability insurance * 20%.

Spontaneous combustion loss insurance (300 yuan), new car purchase price*.

Glass breakage insurance (300 yuan, domestic), purchase price of imported new cars*, purchase price of new domestic cars*.

Body scratch insurance (400 yuan), 950 yuan for households with less than 6 seats, and 1100 yuan for families with 6 seats and above.

Full car theft insurance (1180 yuan), basic premium + naked car *** rate.

Car insurance is divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is compulsory insurance stipulated by the state and must be purchased. The premium of compulsory traffic insurance for ordinary family cars in the first year is 950 yuan, and if there is no insurance in the first year, the compulsory traffic insurance in the second year will drop by 10%.

Commercial auto insurance is divided into main insurance and additional insurance, and the main insurance mainly includes third-party liability insurance, car damage insurance, theft insurance and vehicle personnel liability insurance. There are many types of additional insurance, mainly including glass insurance, scratch insurance, wading insurance, spontaneous combustion insurance and deductible insurance. You can choose to buy according to your driving needs.

In order to provide comprehensive protection for your car, it is recommended to purchase all-inclusive insurance.

Generally, the annual premium of several main insurance and main additional insurance is about 5000-7000.

Commercial insurance can be purchased according to your own situation, to sum up, 200,000 cars have to pay about 7,700 yuan per year.

It cost me less than 400 to ask a question

Question 4500 blind report.

2,000,000 sum insured excluding deductible.

Question: How much is the 10,000-vehicle damage insurance7

Then your friend has been deceived.

There are two kinds of insurance, one has free odds, one does not count the free odds, this is the free odds that are thousands of dollars more expensive, what happens, the insurance company pays 80%, and 20% of their own pockets do not count the free odds, that is, 100% is the insurance company loses money.

New cars are still renewed. The basic insurance for a new car is about 5,000, and the renewal is very cheap, about 3,500.

About 4000 yuan. The cost of buying different car insurance policies varies. In order to purchase traffic insurance and third-party liability insurance.

Vehicle damage insurance, vehicle accident insurance.

For these 4 types of insurance, for example, the cost of car insurance for a year is about 4,000 yuan. If you buy scratch insurance, glass insurance, theft insurance, etc., the cost will be higher.

Car insurance precautions.

Sum insured. The insured value shall not be exceeded, and if the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract.

Therefore, neither over-insured nor under-insured can obtain additional benefits.

Each type of insurance has its own insurance liability, if the vehicle really has an accident, the insurance company can only bear the insurance liability according to the original insurance contract to pay compensation, and some other losses of the car owner may not be compensated.

Commercial insurance premium: You have to follow from the landing of your car, it is really not good to do without him, 200,000 yuan to buy a full insurance + 1 million three liability insurance.

8000+ per year is gone.

Fuel cost: Ordinary families travel, the annual mileage is 20,000 kilometers, and the average oil price is 6 yuan

The average fuel consumption of intermediate cars is about 8L 100km, and the fuel cost is about 9600 yuan a year.

Compulsory traffic insurance + vehicle and vessel tax: compulsory levy for quick collection, whether you want it or not, it is always necessary to be in the early 1,000s a year.

Parking fee: Now parking is charged everywhere, go out to play attractions, and stop for an extra hour with your heart bleeding. Scattered and scattered every year, plus about 6,000 per year in ordinary communities. Estimates who don't have parking fees are stealing fun.

Maintenance fee: If you want the car to have a lower failure rate, you have to wait well when you buy it home, and you always need about 3000 maintenance a year. It's also about learning what is necessary and what is not needed for the time being.

Car wash fee: Serious cleanliness must be washed every week, 20-30 yuan of ordinary silver at a time. It's normal for ordinary people to do once a month, plus occasionally do a waxing sauna or something, 500 a year is not too much.

Tolls: I drove this road, I planted this tree, and I have to pay more or less tolls every year when I run high speeds. A thousand yuan a year is also the majority. Of course, there are some things that don't count as entrance fees.

Fines: It is inevitable that there will be a pure burning of these parking violations in a year, 200 at a time, can I return the balance to 500 at a time. Whether this money can be saved or not depends on the individual.

In this way, the final cost of a mid-level car of about 200,000 yuan a year is about 29,600!! In the future, there will really be any traffic congestion charges, all kinds of charges in the peak and evening peaks, and it will be tears to think about. If you are free or the whole bicycle is comfortable to ride, save money and fitness, and the maintenance cost is less in the later stage.

It is not easy to maintain a car, everyone drives and cherishes!

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

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.

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