How to calculate the cost of car insurance, car insurance cost calculation

Car insurance calculator is one of the most convenient insurance tools nowadays, and it plays an important role in our insurance. The specific calculation method is: the insurance amount is multiplied by the rate, and the premium is added after the combination of various types of insurance, which is inconvenient to access the Internet, and there are free applications on mobile terminals.

Some of the features of vehicle insurance in the market are revealed from the detailed design of the calculator: the nature of the vehicle is generally limited to the calculator and is limited to non-operating personal vehicles, i.e. private cars.

Quick tools for property insurance such as home contents insurance and accident insurance have not yet become popular, and there are no such tools on the official ** of various companies, but there are similar tools on the portal**. Of course, this is also related to the different types of car insurance and additional insurance, the different rates and the difficulty of calculation; The combination of other property insurance types and the calculation of premiums are relatively simple, and the difference between individual contributions is not obvious.

The popularity of car insurance calculators is related to the rise of new online sales channels. Car insurance has experienced chaos, insurance companies, 4S stores, insurance intermediaries car insurance is diverse, insurance companies have bid farewell to the channel melee, the establishment of "telemarketing" and "online sales" system, car insurance competition is gradually becoming standardized, the transparency of the car insurance is gradually improving.

Compulsory traffic insurance has suffered huge losses every year since its inception, but the insurance companies are still unwilling to give up, which is not unrelated to commercial insurance. The so-called transparency of the car insurance calculator is just that the car insurance of each insurance company tends to be the same, and the profit in it is still undiminished?

As for the car insurance calculator, there are also many ways to make inquiries, and many people are confused about the name and ** number required on the calculator. Could it be ** marketing in disguise? I filled in the relevant information on a car insurance policy**, did not calculate the premium, and then received customer service from an insurance company**.

The reporter learned that the ** is a ** port of its cooperation, and the calculator has become its car insurance sales. Therefore, for consumers who don't want to receive similar **, they still fill in the comparative insurance on the official website. For the claims service and value-added services in the later stage of online auto insurance, insurance companies should also implement them, and should do a good job in customer service while doing a good job in online sales services.

The car insurance calculator is mainly used to calculate the cost of vehicle insurance, and the car owner can roughly calculate the amount of money they need to pay for car insurance through the ** car insurance calculator, and how to combine it more appropriately. I usually check on the official website of Ping An Auto Insurance, and there is an entrance on the homepage, and I can quickly get car insurance as long as I fill in the vehicle information and mobile phone number**. In addition, the car insurance premium calculator is directly linked to the insurance system of the Insurance Regulatory Commission, and the car insurance cost is comprehensively calculated with various factors such as car price, insurance type combination (or protection combination), insurance amount, and claim records of the previous year, and finally the accurate calculation results are obtained, which is very intelligent and convenient.

The calculation method of vehicle insurance cost is described as follows:

Clause. 1. Compulsory traffic insurance: 950 yuan per year for 6 or less households and 1,100 yuan for 6 or more households.

Commercial insurance is conventional insurance, and if you have the financial ability, you need to be fully insured. Conventional insurance total: (currently the average discount from insurance companies is 77%).

Clause. Second, the third liability insurance: (amount of compensation:

50,000, 100,000, 200,000, 500,000, 1,000,000) third party liability insurance. If the financial ability can, it is recommended to buy 300,000 grades. In this way, even if a person is killed or a high-end car is scrapped, it is guaranteed.

10,000 strong + 400,000 three liability insurance = 10,000.

Clause. 3. Vehicle loss insurance: (cash to buy a car** This is to be fully insured.

Clause. Fourth, the whole car theft insurance: (the purchase price of the new car full car theft insurance is an additional insurance, and the insurance can only be insured after the vehicle loss insurance is insured.) If you buy an off-road vehicle and an Accord, you have to buy it, because these two cars have the highest theft rate.

Clause. 5. Glass breakage insurance: (the purchase price of imported new cars, the purchase price of domestic new cars, experts recommend the purchase of glass breakage insurance in the additional insurance.) Because this is generally easy to ignore, sometimes the glass is also easy to break alone.

Clause. 6. Spontaneous combustion loss insurance: (the purchase price of the new car is responsible for compensating for the loss of the vehicle itself due to the failure of the vehicle's electrical appliances, wiring, and fuel supply system and the reasons of the goods carried by itself.

When the vehicle is partially damaged, the repair cost will be compensated according to the actual repair cost. but not exceeding the limit of liability.

Clause. 7. Special insurance excluding deductible: (vehicle loss insurance + third-party liability insurance) 20% of the special insurance excluding deductible is an additional insurance, which can only be insured after insuring car damage insurance and third-party liability insurance.

You must buy this, otherwise you will lose a lot. Because the money is not much, the protection is not small. Since the main insurance has been bought, don't care about this money.

The calculation principle of the car insurance calculator is relatively simple and prudent, the sum insured is multiplied by the rate, and the premiums of each type of insurance can be added together. It is not convenient to surf the Internet, and there is also a free application software for mobile terminals.

In addition, from the detailed design of the calculator, some characteristics of car insurance in the market are revealed: the calculator generally limits the nature of the vehicle, and only targets non-operating personal vehicles, that is, private cars, and operating vehicles, trucks and agricultural vehicles cannot be calculated through the calculator; The ** of the car is the purchase price, and there will be the purchase period on the portal**.

1. Vehicle loss insurance premium = basic insurance premium Insurance amount of this insurance type Rate.

2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit.

3. Full car theft insurance premium = basic premium actual value of the vehicle rate.

4. The premium of the newly added equipment loss insurance = the insurance amount of this insurance rate.

5. Glass breakage insurance premium = new car purchase price.

6. Spontaneous combustion loss insurance premium = insurance amount of this insurance rate.

7. The premium of on-board liability insurance = the compensation limit rate of this insurance.

8. The premium of the on-board cargo drop liability insurance = the compensation limit rate of this insurance.

9. Excluding deductible special insurance premiums = (vehicle loss insurance premium, third party liability insurance premium) rate.

Car Insurance Calculator Calculation:

1. Vehicle loss insurance premium = basic insurance premium Insurance amount of this insurance type Rate.

2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit.

3. Full car theft insurance premium = basic premium actual value of the vehicle rate.

4. The premium of the newly added equipment loss insurance = the insurance amount of this insurance rate.

5. Glass breakage insurance premium = new car purchase price.

6. The premium of spontaneous combustion loss insurance = the insurance amount and rate of this type of insurance.

7. The premium of on-board liability insurance = the compensation limit rate of this insurance.

8. The premium of the on-board cargo drop liability insurance = the compensation limit rate of this insurance.

9. Excluding deductible special insurance premiums = (vehicle loss insurance premium, third party liability insurance premium) rate.

The type of insurance that all vehicles must purchase is generally a new car with less than 6 seats, 950 yuan a year, and more than 6 seats 1100 yuan a year. The cost of the second year is calculated based on the accident situation of the first year, whether it increases or decreases. The corresponding rates vary depending on the region.

Commercial insurance should be purchased according to the situation of their own car, and under normal circumstances, the third-party commercial liability insurance, car damage insurance, and special insurance without deductible in commercial insurance are the more types of insurance purchased.

The calculation is as follows:

1. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit, the higher the insurance amount, the more expensive **.

2. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate.

3. Excluding deductible special insurance premiums = (vehicle loss insurance premium + third party liability insurance premium) rate.

1. The premium of vehicle loss insurance is equal to the basic insurance premium plus the insurance amount of this insurance multiplied by the rate; 2. The premium of third-party liability insurance is equal to the fixed insurance premium corresponding to the fixed level compensation limit; 3. The insurance premium for theft insurance is equal to the actual value of the vehicle multiplied by the rate; 4. The premium of the newly added equipment loss insurance is equal to the insurance amount of this insurance multiplied by the rate; 5. The premium for glass breakage insurance is equal to the purchase price of the new car multiplied by the rate; 6. The premium of spontaneous combustion loss insurance is equal to the insurance amount of this type of insurance multiplied by the rate; 7. The premium of on-board liability insurance is equal to the compensation limit of this insurance multiplied by the rate, etc.