What types of insurance are included in car insurance, commercial insurance, how much is commercial

First of all, I would like to share with you a list of the top 10 auto insurance companiesFreshly baked! 2020 Top 10 Auto Insurance Companies.

The full name of car insurance is motor vehicle insurance, and according to whether it must be purchased or not, car insurance can be divided into commercial car insurance and compulsory traffic insurance. The following will introduce how to calculate the premium of car insurance.

1. Compulsory traffic insurance

The premium of compulsory traffic insurance is the implementation of a unified national charging standard, for the same model of vehicles, the country's ** is the same. The main factors that affect ** are the purpose of the vehicle, the model and the number of accidents.

The formula for calculating the insurance premium is: the final premium of the compulsory liability insurance = the basic insurance premium of the compulsory liability insurance (1 floating rate).

2. Commercial auto insurance

(1) Third party liability insurance

The calculation of the third party liability insurance premium has nothing to do with the purchase price of the vehicleBased on the rate schedule, you can get a fixed rate, which is then multiplied by the discount of the insurance company to get the final premium.

The formula for calculating insurance premiums: premium = fixed rate and discount range from the insurance company.

(2) Liability insurance for persons on board

On-board personnel liability insurance adopts a fixed premium calculation modelThe premium is mainly related to the purpose of the vehicle, the number of seats, and the amount of insurance.

The formula for calculating the insurance premium: Liability insurance premium for occupants on board = insured amount Insurance rate Number of seats.

(3) Vehicle damage insurance

Car damage insurance is mainly based on the purchase price of a new car or the true ** amount of the vehicle at the time of insurance. There are three main ways to calculate the premium for car damage insurance.

1.The sum insured is determined based on the purchase of a new car**

Car damage insurance cost = base premium + new car purchase price rate.

Generally, the shorter the age of the vehicle, the newer the car, the lower the base premium, and the base premium is also related to the number of seats in the vehicle, and the more seats in the vehicle, the higher the base premium. If you want to know how much the premium is, the owner can calculate it in advance based on the rate corresponding to the age and number of seats.

2.Determined based on the actual value of the insured motor vehicle at the time of insurance

Car damage insurance cost = basic premium + (new car purchase price at the time of insurance application - depreciation amount) rate.

The depreciation of the insured vehicle is calculated on a monthly basis, and the part less than one month is not depreciated.

3.It is determined by negotiation within the purchase price of the new car of the insured motor vehicle at the time of insurance

For the new equipment outside the standard configuration of the insured motor vehicle, the name of the equipment and the ** policy should be added to the insurance contract, and the insurance amount can be increased a little according to the actual meaning of the equipment.

(4) Theft and rescue

In insurance practice, insurance companies generally calculate theft insurance based on 20% to 30% of the premium of car damage insurance on the insurance policy**. That is, the insurance company replaces the amount of theft insurance with the insured amount of car damage insurance.

The formula for calculating the insurance premium:

1.Cost of New Car Theft Insurance = Base Premium + Naked Car** Rate.

2.The cost of used car theft insurance = original car price (1 - depreciation rate) theft insurance rate.

If you don't know what car insurance you need, check out this articleWhat are the must-buy car insurances? 》Hope!

Hello! Auto insuranceCommercial insurance generally consists of two parts: basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, vehicle theft insurance, vehicle personnel liability insurance, and additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, new equipment loss insurance, and special insurance without deductible.

What are the commercial insurances included in car insurance.

Summary. Taking PICC as an example, the latest ** details of 2022 PICC car insurance 1, compulsory traffic insurance: the first year:

5 blocks 950 yuan, 6-8 seats 1100 yuan second year: 5 blocks 855 yuan, 6-8 blocks 990 yuan third year: 5 blocks 760 yuan, 6-8 blocks 880 yuan fourth year:

5 blocks 665 yuan, 6-8 blocks 770 yuan The fifth year: 5 blocks 665 yuan, 6-8 seats 770 yuan or more premiums, related to insurance, insurance, transfer, any one of them changes, then the premium will also change. 2. Commercial auto insurance:

For new car insurance, if you choose the insurance amount of the three insurance 2 million + car damage insurance 10,000 + the seat insurance of the people on the car 10,000: the third party liability insurance: 2 million the insurance amount, ** is the yuan car damage insurance:

175498.6 yuan sum insured, ** is 23707 yuan on-board personnel liability insurance (driver):

10,000 sum insured, ** is 2127 yuan on-board personnel liability insurance (passengers): 10,000 * 4 insurance amount, ** is 53

99 yuan. Hello, commercial insurance car insurance is different for different companies and different types of insurance**, 4000-6000 a year.

Taking PICC as an example, the latest ** details of PICC car insurance in 2022 1, compulsory traffic insurance: 950 yuan for 5 seats in the first year, 1100 yuan for 6-8 seats in the second year:

5 seats 855 yuan, 6-8 seats 990 yuan third year: 5 seats 760 yuan, 6-8 seats 880 yuan fourth year: 5 blocks 665 yuan, 6-8 seats 770 yuan fifth year:

5 seats 665 yuan, 6-8 seats 770 yuan above the premium, and the insurance, out of insurance, transfer has a smile relationship, any one of them changes, then the premium will also change. 2. Commercial car insurance: new leather car insurance, choose the three insurance coverage amount of 2 million + car damage insurance 10,000 + car seat insurance 10,000 yuan

Third-party liability insurance: 2 million insured, ** is yuan car damage insurance: 175498

6 yuan sum insured, ** is 23707 yuan on-board personnel liability insurance (driver): 10,000 insurance amount, ** is 21

27 yuan on-board personnel liability insurance (passengers): 10,000 * 4 insurance amount, ** is 5399 yuan.

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Hello! How much does the car cost?

Question: How much does it cost to buy a commercial insurance for a second-hand car of about 30,000 yuan, and the answer to the car commercial insurance includes many types of insurance, so the specific ** needs to see what car insurance the owner chooses, as well as the amount of car insurance to choose, generally speaking, a year's commercial car insurance is about 2000-5000 yuan, depending on your choice.

The price of insurance in terms of third-party liability is explained in great detail, and the price of insurance is also corresponding to the amount of insurance we choose, such as the premium for families using less than six seats is 1721 yuan, and the premium for cars between six and ten seats is 1507 yuan. The situation of the car is different, and it is also different in terms of premiums.

There are several levels of car insurance commercial insurance, ranging from more than 1,000 yuan to several thousand, with different insurance amounts.

The first year of compulsory traffic insurance for family self-use cars below the seat is 950 yuan;

The first year of compulsory traffic insurance for a 10-seater family car is 1,100 yuan;

The first year of compulsory traffic insurance** is 1,000 yuan for non-business vehicles of enterprises below the seat;

The cost of compulsory traffic insurance for the first year of the 10-seater enterprise non-business car is 1,130 yuan;

According to the provisions of compulsory traffic insurance, only motor vehicle owners who have not had a liability traffic accident in the previous year's driving record, or who have no liability traffic accidents, can enjoy a 10% reduction in the compulsory traffic insurance rate. If there is no traffic accident for two consecutive years, the rate can be reduced by 20%, and the maximum reduction for three consecutive years or more without traffic accidents is 30%.

It should be noted that, in order to reflect the principle of "rewarding the good and punishing the inferior", the compulsory traffic insurance implements a floating rate system, and the first insurance or a traffic accident (no death) in the previous year will be based on the benchmark premium; If there are 2 or more traffic accidents (no fatalities) in the previous year, the fee will be increased by 10%; In the event of a traffic fatality in the previous year, a 30% increase will be charged.

How to buy compulsory traffic insurance?

1. Buy compulsory traffic insurance at the car shop.

When people buy a car, they can directly buy the compulsory insurance of the car, like a large qualified car shop, people can buy the car at the same time as the purchase of the car, so that people can save people from running around to buy insurance.

2. Purchase through the service staff of the insurance company.

So, where to pay the compulsory car insurance, is there any other way? When buying compulsory traffic insurance for the car, we generally buy it through the service staff of the insurance company, which is the most commonly used one, so that when handling the insurance business, people can ask the service staff of the insurance company carefully what we want to know, and if there are some problems, the staff who handle the insurance business will also solve it for us in a timely manner.

3. Purchase compulsory traffic insurance on the insurance company's **.

Buying compulsory insurance on the insurance company's ** is the latest way to buy insurance, and it is also the best answer to where to pay compulsory insurance for automobiles. Although there are not too many people who use it now, but through the Internet purchase can allow people to buy the insurance they need without leaving home, and as long as people enter the relevant information on the Internet, people can easily know the cost of the various insurance we have purchased. There will also be certain discounts when purchasing commercial insurance.

This depends on how big the vehicle is. Compulsory Insurance:

Block 5 Block 6-8.

1st year: 950 RMB, 1100 RMB.

2nd year: 855 RMB, 990 RMB.

3rd year: 760 RMB, 880 RMB.

Fourth year: 665 RMB, 770 RMB.

Fifth year: 665 RMB, 770 RMB.

The above premiums are related to insurance, out-of-policy, and transfer, and if any of them changes, the premium will change.

1) When applying for insurance, the policyholder shall truthfully fill in the insurance policy, truthfully inform the insurance company of important matters, and provide the driving license of the insured motor vehicle.

and a copy of your driver's license.

2) When signing the compulsory traffic insurance contract, the policyholder shall pay all the insurance premiums at one time. Not in the terms of the insurance and the premium rate.

In addition, the insurance company is required to attach other conditions.

3) An insurance symbol shall be placed on the insured motor vehicle.

4) During the validity period of the insurance contract, if the degree of danger of the insured motor vehicle increases due to modification, addition, change in the nature of use, etc., the insured shall notify the insurance company in time and go through the procedures for approving the group bend.

5) When the compulsory traffic insurance contract expires, the policyholder shall renew the insurance in a timely manner and provide the insurance policy of the previous year.

6) In the event of a traffic accident involving the insured or Tong motor vehicle, the insured shall take reasonable and necessary rescue and protection measures in a timely manner, and notify the insurance company in a timely manner after the accident. At the same time, the insured shall actively assist the insurance company in conducting on-site investigation and accident investigation. In the event of arbitration or litigation related to insurance compensation, the insured shall promptly notify the insurance company in writing.

Legal basis: Article 16 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases of Compensation for Damages in Road Traffic Accidents shall be insured at the same time as compulsory third-party liability insurance for motor vehicles (hereinafter referred to as "compulsory traffic insurance") and commercial third-party liability insurance.

Hereinafter referred to as "commercial third-party insurance".

1) The insurance company that underwrites the compulsory traffic insurance shall first compensate within the limit of liability;

2) The shortfall shall be compensated by the insurance company that underwrites the commercial third-party insurance in accordance with the Hetan insurance contract;

3) Where there are still deficiencies, follow the Road Traffic Safety Law and the Tort Liability Law.

The infringed party or their close relatives.

Where it is requested that an insurance company that underwrites compulsory liability insurance give priority to compensation for mental damages, the people's court shall support it.

Summary. Hello dear, it is a pleasure to serve you <>

Commercial insurance car insurance a year: 1,500 yuan of domestic car insurance of about 100,000 yuan car insurance how much a year, generally 100,000 yuan car should be insured with four most basic types of insurance: third-party liability insurance (100,000), car damage insurance, accident insurance and deductible insurance.

The premium will be different in each city, ignoring this difference for the time being, taking a medium-sized city as an example, a car insurance of 100,000 yuan will cost about 3,700 yuan a year.

How much is commercial insurance car insurance a year.

Hello dear, it is a pleasure to serve you <>

Commercial insurance car insurance a year: 1,500 yuan of domestic car insurance of about 100,000 yuan car insurance a year before the letter money, generally 100,000 yuan car should be insured four most basic types of insurance: third-party liability insurance (100,000), car damage insurance Tempe, car personnel accident insurance and deductible insurance.

The premium in each city will be different from Huifeng, ignoring this difference for the time being, taking a medium-sized city as an example, a car insurance of 100,000 yuan will cost about 3,700 yuan a year.

Lack of information for expansion: and about 200,000 high-end people's cars, should be insured vehicle scratch insurance and glass breakage insurance, as for theft insurance, it should be selected according to the local situation, not counted here for the time being, so it takes about 4,500 yuan a year. For high-end cars of about 500,000 yuan, it is recommended to purchase additional theft insurance, which requires an annual consumption of nearly 7,000 yuan.

The calculation of how much money is for these car insurance in a year is for new cars, different years of cars, there will be different rate standards, generally with the increase of the age of the car, the premium will increase accordingly, here will not be repeated.