The new rules on car insurance are cost effective, and how much is the car

The new policy stipulates that during the annual insurance period, the premium for one vehicle accident will not be discounted, and the premium for two accidents will be increased by 25%. Check with your insurance company for details.

1.Generally, it is cost-effective to apply for 10,000 yuan insurance for a car:1.

2.Anyone who owns a car knows that the car must be subject to compulsory insurance, but it is far from enough.

3.If no one is injured, the compulsory traffic insurance will pay a maximum of 2,000 yuan to the third party. The third party is these three, the party you hit and damaged, whether it is a person, a car or a telephone pole or something, provided that you bear the responsibility for the accident; 2.

In other words, if you hit a wall or a tree, you won't get a penny.

4.If you don't hit someone else's car and no one is injured, you will be compensated up to 2,000 yuan.

5.Regardless of hitting Porsche.

Or Ferrari.

If you don't hit the car, you will pay 10,000, and if you hit the car, you will pay 110,000.

6.That's even less.

Therefore, when taking commercial insurance, many people will be discouraged because of the high level.

8.Now, I'll tell you that it's actually quite simple.

9.Three types of insurance, car damage insurance.

Three types, excluding deductibles.

10.Generally speaking, this is sufficient, especially for three types of insurance.

1.It is best to keep the amount not less than 200,000.

Millions of car purchase subsidies.

When a traffic accident occurs, your own loss is not large, and the property loss of the third party is within 2,000 yuan, and you can apply for insurance within the scope of the property loss of the compulsory traffic insurance, because the number of claims of the compulsory traffic does not directly affect the insurance premium of commercial insurance.

When a traffic accident occurs and you lose more than 3,000 yuan, or a third party loses more than 3,000 yuan, resulting in you being unable to bear the loss, you can apply for insurance. This is a good deal, because the cost you can't afford is much greater than the increase in your premium the following year.

Precautions for buying car insurance.

The formula for calculating the premium of car damage insurance is: basic premium + new car purchase price. Due to the different factors of "basic premium" and "rate" applicable to car damage insurance in different provinces and cities across the country, the calculation results of the same car insurance will be different.

In addition, even if it is the same car, the two factors will take different values due to the age of the car. These need to be determined by the car owner by consulting the rate table of car damage insurance, so that they can have a clearer understanding of how to calculate car damage insurance.

If you have a large commercial car insurance premium, it is recommended that you do not need to apply for insurance if the premium is less than 1,000 yuan, and if the commercial insurance premium is low, you do not need to apply for insurance. According to the implementation of the new insurance regulations, the premium rate will be increased according to the number of accidents in the previous year, as long as the insurance is not discounted for the next year, the premium will be increased by 25% for two accidents, 50% for three times, 75% for four times, and the premium will be directly doubled for more than five times. If you don't have insurance for one year, you will enjoy a discount in the next year, and if you don't appear for two years, you will enjoy a 7% discount, and you will enjoy a 6% discount for three years.

If you do the calculations yourself, you will know that it is not cost-effective to report insurance for minor accidents.

As long as there is a claim for car insurance, the discount will be increased when the insurance is renewed in the next year, if it has been renewed, the discount will be increased next year, anyway, it can't run away, and the impact of a discount will probably increase by 1%, such as the original price of 1000 yuan car insurance, 560 yuan in the second year of insurance, and 660 yuan in the second year of insurance. Calculate the difference yourself, if it is cost-effective, report insurance, if the amount is not high, pay it yourself

Cost-effective, divided into commercial insurance and compulsory traffic insurance. If it is commercial insurance, it is already cost-effective to take out insurance of more than 1,000 yuan, because the insurance is only the premium of the second year, and even if the premium of the second year is not guaranteed, it will be reduced by a few hundred yuan, and it is only cheaper by more than 1,000 yuan if there is no insurance for three consecutive years. If it is compulsory traffic insurance, Zhengbi 1500 yuan insurance is more cost-effective.

Because the premium of compulsory traffic insurance is not much, no matter how it rises or falls, it cannot reach the range of 1,500 yuan.

Therefore, it is recommended that the loss of less than 500 yuan car owners pay their own money, and more than 500 yuan is still cost-effective. To put it simply, it is still necessary to see whether the loss of this accident exceeds the premium discount for the next year without insurance, and if it exceeds more, it is recommended to take out insurance to reduce the burden of this loss.

Benefits of buying car insurance.

On the one hand: 1. In the case of damage to the vehicle, it can be repaired in the pure line, so that some maintenance costs can be saved, and it can also get good maintenance services.

2. You can get compensation in time after you encounter an accident, and you can do it better.

3. Protect the legitimate rights and interests of the third party in the accident, which is mainly carried out through compulsory traffic insurance and third-party liability insurance.

On the other hand: 1. It can enable the insurance company to restrain the behavior of the car owner through the control of the insurance premium, so that it can pay more attention to safety when driving.

2. The premium of the vehicle is related to the number of vehicle accidents, which makes some car owners pay more attention to safe driving to a certain extent. <>