Why is the compulsory traffic insurance different from the same 1,0 displacement car

Compulsory traffic insurance is determined according to the number of seats in the vehicle**, and has nothing to do with displacement.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

The insurance regulatory commission shall approve the rate in accordance with the principle of "no profit and no loss" in the compulsory traffic insurance business as a whole, such as the basic premium of an ordinary private car for a year is 950 yuan, and no insurance company shall provide preferential treatment without authorization. Hello, the difference you said should be that the age of the two cars is different, and the insurance situation is different, so the discount is different.

Hello, the new car and the old car are not the same, the full amount of compulsory traffic insurance is 950 yuan per year, if there is no insurance in the future, it will decrease by 10% per year, up to 60%, if my answer is helpful to you, please set to.

If you haven't been in danger, everyone should pay the same. However, if you have been out of insurance related to the other party, the insurance is not discounted, and the car that has not been insured by the other party can be reduced by 95 yuan per year, until it is adjusted to 650 as the lower limit.

This is impossible, the same displacement is the same as the compulsory traffic insurance, unless it is a different year.

Legally, it is possible, compulsory traffic insurance is mandatory, and other car insurance is based on personal needs. If it is driven in the countryside or suburbs, the route is fixed, and the level is high, it is okay to drive cautiously and the price is not high, otherwise it is not recommended to save this money, car insurance is still more important.

Compulsory traffic insurance [full name of compulsory insurance for motor vehicle traffic accident liability] is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability [hereinafter referred to as the "Regulations"] stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims [excluding the vehicle personnel and the insured] caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

From the perspective of the subject matter, compulsory insurance belongs to liability insurance. It can be seen from Article 65 of the Insurance Law that the subject matter of insurance is the liability of the insured to a third party in accordance with the law. When the insurer causes damage to a third party to the insured of the liability insurance, the insurer may directly compensate the third party for the insurance money in accordance with the provisions of the law or the contract.

From a legislative point of view, compulsory traffic insurance is a legally compulsory insurance. According to Article 3 of the Regulations on Compulsory Insurance, the owner or manager of a motor vehicle driving on a domestic road shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the procedures prescribed by law. Article 5 of the "Regulations for the Implementation of the Traffic Safety Law" regards compulsory traffic insurance as a necessary condition for applying for motor vehicle license plates and driving licenses.

Compulsory traffic insurance is normally paid once a year, and the insurance premium is different according to the model and the type of vehicle is not the same.

Serial number vehicle details classification.

Premium. 1. Family car.

1. Family self-use cars with less than 6 seats.

Family cars with 6 seats or more.

2. Non-commercial buses.

3. Enterprises have less than 6 non-business cars.

4. Enterprise non-business cars: 6-10 seats.

5. 10-20 seats for non-business cars.

6. Enterprises have more than 20 non-business cars.

7. Non-commercial cars with less than 6 seats.

6-10 seats for non-commercial cars.

9. Non-commercial cars with 10-20 seats.

10. Non-business cars with more than 20 seats.

Because for new cars, compulsory traffic insurance is an insurance product that we must oblige, which is also clearly stipulated by relevant laws. For other insurance products for the vehicle, we only need to choose according to our personal needs, and other insurance products are not mandatory for us to purchase. When we have purchased compulsory traffic insurance, we can choose to appeal to the corresponding insurance company after encountering various traffic accidents on the road and causing us certain injuries.

Yes, but not recommended.

Driving out of the house can not guarantee 100% safe and smooth, now society, any accident, may make you bankrupt, buy a rest assured, buy a smooth, be sure to buy a three-party insurance + deductible, remember!!

Other types of insurance can be purchased by yourself!

Only pay a compulsory insurance, do not buy commercial insurance is in line with the legal requirements, according to personal needs, it is recommended to buy a new car full insurance, in the future between the affordable, generally buy compulsory insurance, car damage insurance, three more than 500,000 plus not deductible, and then want to save some do not buy car damage. In the later stage, according to the use time of the car or the needs of special working conditions, spontaneous combustion, wading, glass, etc. are selected.

What are the consequences of only buying compulsory liability insurance?

The amount of compulsory car insurance may not be the same every year, mainly depending on the insurance status of the vehicle. That is, if there are multiple accidents in the following year, the premium of compulsory traffic insurance will rise; If there is no insurance, the premium will fall.

According to Article 8 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the insured motor vehicle does not have any road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the following year. In the following years, if the insured motor vehicle still does not have road traffic safety violations or road traffic accidents, the insurance company shall continue to reduce its insurance premium up to the minimum standard.

If the insured motor vehicle is involved in a road traffic safety violation or road traffic accident, the insurance company shall increase its insurance premium rate in the following year. In the event of multiple road traffic safety violations, road traffic accidents, or major road traffic accidents, the insurance company shall increase the extent of its insurance premiums. If the insured is not at fault in a road traffic accident, the insurance rate shall not be increased.

The standards for reducing or increasing insurance premiums shall be formulated by the insurance regulatory authority in conjunction with the public security department.

Other provisions on compulsory liability insurance.

Article 13 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability When signing a compulsory insurance contract for motor vehicle traffic accident liability, the policyholder shall not request the insurance company to attach other conditions in addition to the insurance terms and insurance rates. When signing a compulsory insurance contract for motor vehicle traffic accident liability, the insurance company shall not compel the policyholder to conclude a commercial insurance contract or put forward other requirements for attaching other conditions.

Article 14 An insurance company shall not terminate a compulsory insurance contract for liability for motor vehicle traffic accidents; However, the policyholder fails to fulfill the obligation to truthfully inform important matters. If the policyholder fails to perform the obligation of truthfully informing of important matters, the insurance company shall notify the policyholder in writing before terminating the contract, and the policyholder shall perform the obligation of truthful notification within 5 days from the date of receipt of the notice; If the policyholder fulfills the obligation of truthful notification within the above-mentioned time limit, the insurance company shall not terminate the contract.

The above content refers to China**.com - Decision on Amending the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

You should be a car bought with a loan for three years, and the three-year insurance premium you pay at one time should be the commercial insurance premium and the first year's compulsory insurance premium. According to national regulations, compulsory traffic insurance needs to be underwritten every year, and it is not possible to buy compulsory traffic insurance for many years at a time. Therefore, you should also have to buy compulsory traffic insurance, compulsory traffic insurance is statutory insurance, there is no compulsory traffic insurance, the traffic police department does not give the car inspection, and the vehicle cannot go on the road.

Otherwise, the traffic police have the right to impose a maximum penalty of 2,000 yuan on you and detain the car until you buy compulsory traffic insurance. There is a discount for the first year of compulsory traffic insurance, and when the second year is guaranteed, if there is no compensation (insured accident) in the previous year, there is a 10% discount for no accident in the previous year, a 20% discount for no accident in two years, and a 30% discount if there is no accident in Changchang for three years and aboveUp to 30% off

If your car is a private car 5-seater sedan, the first year's premium is 950 yuan, and 885 yuan for one year without accidents. In addition, when paying compulsory insurance, the insurance company collects the vehicle and vessel use tax, which is 480 yuan a year for a general private car. If your compulsory traffic insurance has expired, you will be charged a late fee for vehicle and vessel tax, which will be more than 2 dimes a day.

The premium of compulsory liability insurance is not fixed every year, and the compulsory liability insurance adopts a floating mechanism that is linked to the number of accidents of the vehicle. The premium of the first year is unified across the country**, as long as it is the same model, whether it is the first year's premium is the same, but the collapse of the compulsory traffic insurance in the second year should be calculated according to the floating mechanism of the compulsory traffic insurance.

It changes every year. Compulsory traffic insurance is easier to calculate, the premium of the second year of the insurance and not involving the death of the person will become the benchmark premium, taking the old family car 5 seats as an example, whether it is 950 855 this year, or 760 655, the insurance once, next year's premium is 950. (Compulsory traffic insurance floating code state rules, no insurance in the previous year, this year's premium = benchmark late premium *, no insurance for two consecutive years, this year's premium = benchmark premium *, three years and above without insurance, this year's premium = benchmark premium *, the above insurance once, this year's premium = benchmark premium * 1, reincarnation.)

Different provinces are slightly different, this I press Guangdong, and some provinces in the country can have the lowest command coefficient.

1. Is it okay to buy only one compulsory traffic insurance for car insurance?

1. Car insurance can only buy one compulsory traffic insurance. In addition, the commercial insurance is decided according to your actual situation. If the insured vehicle suffers from a natural disaster or accident within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall compensate in accordance with the provisions of the insurance contract.

Compulsory insurance is required during the annual examination of the car.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 11 of the Road Traffic Safety Law of the People's Republic of China.

It is stipulated that when driving a motor vehicle on the road, the motor vehicle number plate shall be hung, the inspection mark and insurance mark shall be placed, and the motor vehicle driving license shall be carried with the vehicle. The number plate of the motor vehicle shall be hung in accordance with the provisions and kept clear and complete, and shall not be deliberately covered or defaced. No unit or individual may confiscate or detain a motor vehicle license plate.

2. What is the scope of exemption and non-compensation of compulsory traffic insurance?

1. Personal injury and property loss caused by the victim's intentional behavior, such as suicide, self-harm, porcelain bumping, etc.;

2. The insured vehicle and the insured;

3. Arbitration or litigation fees and other related expenses caused by traffic accidents;

4. Consequential losses. For example, a vehicle is depreciated in value due to a collision.

Compulsory traffic insurance and vehicle displacement.

It doesn't matter, vehicle and vessel tax.

It has something to do with displacement.

1. National compulsory automobile insurance premium and vehicle and vessel tax.

Compulsory insurance for private cars:

The first year: 950 yuan for 5 seats, 1100 yuan for 6-8 seats.

The second year: 855 yuan, 990 yuan.

Third year: 760 yuan, 880 yuan.

Fourth year: 665 yuan, 770 yuan.

Fifth year: 665 yuan, 770 yuan.

The above premiums, Wang Zhen is related to insurance, insurance, and transfer, and if any one of them changes, the premium will also change.

Vehicle and Vessel Tax: Liter or Less: 180 Yuan per Year.

liters: 360 yuan a year.

L: 420 yuan per year.

L: 720 yuan per year.

L: 1800 yuan per year.

L: 3000 yuan per year.

liter above: 4500 yuan per year.

Extended reading: [Sleepy Rough Insurance] How to buy, which is better, the digging group teaches you to avoid these insurance"pits"

The charging standard of compulsory traffic insurance has nothing to do with displacement, and compulsory traffic insurance is charged according to the car seat, for example, the family car is generally 5 seats, so the charging standard is 950 yuan.

The larger the displacement, the higher the tax that needs to be paid. If the first year of compulsory liability insurance is not insured, then the premium for the second year is discounted, which is the same as commercial insurance.

The calculation method of the insurance premium: the final premium of the compulsory liability insurance = the basic insurance premium of the compulsory liability insurance (1 + the floating rate linked to the road traffic accident).

1. If the one-year compulsory insurance for motor vehicle traffic accident liability is purchased, the basic insurance premium shall be determined according to the corresponding amount in the basic rate table of compulsory insurance for motor vehicle traffic accident liability.

2. Calculation of short-term basic insurance premiums.

If the insurance period is less than one year, the insurance premium shall be calculated according to the short-term rate coefficient, and the insurance premium shall be calculated as one month if the insurance period is less than one year. Specifically, the basic insurance premium is determined according to the corresponding amount in the "Basic Rate Table of Compulsory Insurance for Motor Vehicle Traffic Accident Liability", and then the corresponding short-term monthly rate coefficient is selected according to the insurance period, and the short-term basic insurance premium is multiplied by the two.

The floating factors and floating ratios of the basic rate of compulsory insurance for motor vehicle traffic accident liability shall be implemented in accordance with the Interim Measures for the Floating Rate of Compulsory Insurance for Motor Vehicle Traffic Accident Liability (Bao Jian Fa [2007] No. 52).