How much discount for Ping An car insurance in the third year, and how much discount for car insuran

The minimum discount for insurance is 7% off, and if you don't have an insurance in the first year, you can give 7% off commercial insurance in the second year (30.).% discount), 10% discount on compulsory insurance

If there is no insurance for two years, the commercial insurance for the third year is 7% off (30.).% discount), 20% discount on compulsory insurance; There has been no insurance for three consecutive years, 7% off commercial insurance and 7% off compulsory insurance.

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

When there is no insurance in the first year, the compulsory traffic insurance can be discounted by 9% in the second year, and the commercial insurance can be discounted by 7%.

Rates of compulsory liability insurance are floating:

If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount

If there is no traffic accident in the first two years, a copy of the policy of the previous year (10% discount confirmed in the previous year) - 20% discount

If there is no traffic accident in the first three years, a copy of the policy of the previous year will be provided (the discount of 20% confirmed in the previous year) - 30% discount

First insured or one traffic accident (no fatalities) in the previous year - base premium.

In the event of 2 or more traffic accidents (no fatalities) in the previous year, an additional 10% will be charged

In the event of a traffic fatality in the previous year--- 30% of the fee will be added

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

Answer: Hello, if there is no accident within one year of car insurance, the premium for the second year is generally discounted by 10%. Car insurance premium** is generally related to the number of trips. Car insurance will affect the next year's premium, which is usually as follows:

1. If there is no insurance within one year, the premium for the second year will be discounted by 10%;

2. If there is no insurance for two consecutive years, the premium for the second year will be discounted by 20%;

3. If there is no insurance for three years or more, the premium for the second year will be discounted by 30%;

4. If you go out of insurance once in a year, the general insurance cost remains unchanged, but you have enjoyed the preferential premium, the premium will be restored to the standard premium after the insurance is out once;

There have been no accidents in three years, and there has been no insurance, and the maximum car insurance discount is 7% off. 7% off is the best discount required by law. There was an insurance in the first year of investment, no insurance in the second year, and the discount in the third year is generally 20%.

If there is an insurance in the previous year, there is generally no discount, and if there are too many occurrences, not only will there be no discount, but the insured amount will also rise or even refuse to insure.

Attached: Car Insurance 3rd Year Discount:

Commercial auto insurance offers up to 20% of the rate fluctuation after the approved or registered product rate. It also means that the insurance company only needs to pay a premium of 800 yuan for commercial auto insurance of 1,000 yuan according to the condition of the policyholder, but the insurance amount of the car owner remains unchanged.

There has been no accident in the third year of car insurance renewal, and the general insurance company will give a discount to the car owner when renewing the car insurance, which can be said to be lower than last year. The no-risk policy in commercial auto insurance is not a discount on the basic cost of the first car insurance application, but a discount on the quasi-premium.

In the absence of insurance, the compulsory traffic insurance will be reduced by 10% per year, up to 30%. There are no problems in the first year of commercial insurance, and the purchase in the second year will be reduced by 30%.

Generally, as long as there is no insurance and no change of insurance in the area, there will be discounts, but if there is no insurance in the first year, there is an insurance during the period, and the discount in the second year will also be affected, such as commercial insurance in Shenzhen, the first year is not out of insurance, the second year of insurance is 57% off, continue not to be insured, the third year is 5225% off, but as long as there is even a 1 day of insurance, even if there is no insurance, the third year will still be 57% off, which will be affected by the out-of-insurance.

The amount of the one-time insurance claim does not exceed the premium, and the premium for the second year is not discounted. If the number of trips is 1 or 2 times, the car owner often does not enjoy the preferential premium rate as in previous years.

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

Insurance is divided into compulsory and commercial.

Compulsory part: 10% per year, up to 30% if your car last year 950 this year is 855. 760

655 to the end.

However, the compulsory traffic insurance is paid once, and it becomes a standard fee, and there is no preferential commercial insurance part: there is no discount for a new car, if there is no insurance or one insurance in the second year, it will be directly 7% off, and the insurance will become a standard fee twice, and the insurance will rise by 30% for three times. 10% discount for vehicle transfer.

1. Generally, there is no insurance for two consecutive years, and the number of commercial insurance is 7% off (discount 30.).% compulsory insurance is 20% off (20% discount). There is no discount for the first purchase of compulsory traffic insurance, such as no accident in the first year, 10% discount in the second year, no accident in the second year, 20% discount in the third year, no accident in the third year, and 30% discount in the fourth year.

The maximum discount is 30%.

Second, the first of compulsory traffic insurance is related to many factors. There may be a difference between the first purchase and the second purchase**. The first purchase of compulsory traffic insurance, the ** of compulsory traffic insurance is related to the model.

According to the relevant regulations of compulsory traffic insurance, the basic premium of compulsory traffic insurance is different for different models. Slippery only but for the same model of the letter Bipei, the whole country to implement the unification.

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

The increase and decrease in premiums are relative for the following reasons:

1.If you don't make a claim every year, the insurance premium for the new car will basically stabilize at a price point after 2-3 years (i.e., a 7% discount on the minimum base premium).

2.If you have not made a claim, 1-2 claims in a year, the premium will be 10% more than the previous year, but in fact, the premium is still discounted, but it is not the lowest discount, 3If you make 1-2 claims per year, then the annual premium will basically be stable at a ** (slightly higher than the minimum premium, which is about a discount to the base premium).

4.In the case of 3, if you do not make a claim in a certain year, maybe the discount can be 7% off, then the premium is reduced.

5.If you make more than 3 claims in a year, the premium will be 10% above the base premium

In fact, according to different company policies, it is possible to get a 7% discount in the second case, in addition, if the amount of compensation is too large, even if it is only 1-2 times, it can also make your premium increase relatively.

The above analysis is based on one of the insurance preferential coefficients called the no-claim preferential coefficient, that is, the corresponding discount is given according to the number of claims in the previous year, and the coefficient can be adjusted upwards (for example, my insurance can use this coefficient, but the insurance company can modify it to 1 according to the actual situation) but cannot be adjusted downward.

The number of claims will definitely affect the premium, but the amount of compensation is adjusted according to the internal policies of different insurance companies, which is difficult to summarize.

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

The discount of Ping An Insurance's car insurance in the second year depends on the vehicle history of the previous year, if there is an accident record and traffic accidents, the car insurance rate in the second year will definitely rise; If there is no accident record and traffic accidents, the car insurance rate will be lowered in the second year.

The car insurance to be paid in the second year includes compulsory traffic insurance and commercial insurance

Since many car owners purchase some commercial insurance by the way when they apply for compulsory traffic insurance in the first year, they have to renew the insurance for both before the expiration of the car insurance in the second year. Among them, the discount rules for compulsory traffic insurance are relatively simple, because compulsory traffic insurance is a compulsory insurance system implemented by national laws, and the insurance rate is relatively simple and clear.

If there is no record of accident in the first year, and there is no record of any traffic violations, then the compulsory traffic insurance can be discounted by 9% in the second year; In the third year, if you continue to maintain a good record, you will be given a 20% discount on compulsory traffic insurance; In the fourth year, the compulsory traffic insurance can be discounted by 7%, which is the most preferential ** of the compulsory traffic insurance. Note that if there is a transfer, discontinuation of insurance, or settlement of claims during the period of decline of compulsory liability insurance, it will be recalculated from the beginning.

Of course, not all car owners can enjoy the discount of compulsory insurance, and the premium of these car owners will increase. Because there is an accident record, or there are traffic violations such as drunk driving, the specific price increase can be calculated according to the corresponding situation.

After talking about compulsory traffic insurance, the next step is commercial insurance. The specific discount of commercial insurance is stipulated by the insurance company, and the general situation is that if there is no claim record in the previous year, there will be a corresponding discount for car insurance this year, according to the data fed back by car owners and netizens, the discount of Ping An's car insurance in the second year is basically about 7-9 folds. Similarly, if there is a record of a large number of claims, the car insurance rate will naturally increase in the second year.

In addition, if the car owner is worried about whether the insurance will affect the premium for the next year, he can only assess the loss of the accident vehicle through the "Ping An Good Car Owner" APP, and get a general idea of the floating premium for the next year.