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Anonymous users2024-02-06Hello! In order to improve the protection of your car, it is necessary to provide appropriate car insurance for your car in a timely manner.
What is the standard for the cost of vehicle insurance? How much is the new car premium?
The formula for calculating car insurance premiums.
1. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate.
2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit.
3. The premium for theft insurance = the actual value of the vehicle.
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.
As the largest insurance e-commerce platform in the country, we hope to provide you with a broader choice.
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Anonymous users2024-02-05The types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature, and the types of car insurance can also be divided into basic insurance and additional insurance according to the scope of liability.
1. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate.
2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit.
3. The premium for theft insurance = the actual value of the vehicle.
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.
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Anonymous users2024-02-04The annual vehicle insurance premium is generally composed of two parts, namely compulsory traffic insurance and commercial insurance. Among them, compulsory traffic insurance must be paid, and the general compulsory traffic insurance premium is implemented in the country to implement a unified charging standard, 950 yuan per year for private cars with less than 6 seats, and 1,100 yuan per year for private cars with more than 6 seats.
There are many types of insurance included in the commercial insurance part, and the premiums of each type of insurance are different, such as car damage insurance, third-party liability insurance, full car theft insurance, car liability insurance, and deductible insurance, etc., which are purchased according to personal needs.
Third-party liability insurance is commonly 500,000 and 1 million. The premiums of these two types vary depending on the insurance company, and you can choose according to the local standard of living when purchasing. Car damage insurance is based on the value of the vehicle itself to calculate the premium, the general insurance company will give an appraisal value, according to the appraisal value to purchase, the longer the vehicle is generally the lower the appraisal value, the lower the insurance rate.
The calculation formula of common commercial insurance: third-party liability insurance premium and fixed insurance premium corresponding to the fixed grade compensation limit; Full Vehicle Theft Insurance Premium Actual Value of Vehicle Rate; On-board liability insurance premium, this type of insurance compensation limit, rate; Excludes deductible premium (vehicle damage insurance premium, third party liability insurance premium) rate.
1. What is the composition of the insurance premium for vehicle loss insurance?
Vehicle Damage Insurance Premium Basic Insurance Premium Insured Amount x Rate ( ).
Third party liability insurance charges a fixed premium according to the type of vehicle and the nature of use.
In the automobile insurance business, motor vehicles are divided into passenger cars, trucks, trailers, tank trucks (including fuel tankers, tankers, liquid tankers, refrigerated trucks), special vehicles, motorcycles, tractors and other types, as well as domestic and imported two categories, respectively, with different insurance rates.
At the same time, according to the nature of the use of vehicles, vehicles are divided into: non-operating vehicles, that is, vehicles used by party and government organs at all levels, social organizations, enterprises and institutions or vehicles limited to personal and family life; Commercial vehicles refer to vehicles engaged in social transportation and charging fees. For vehicles that take into account the nature of both types of use, the high-grade rate will be calculated.
Vehicles can also be divided into four types of use, such as administrative vehicles, production vehicles, business vehicles, and rental vehicles, and different charging standards are implemented.
2. Q&A on the influencing factors of vehicle loss insurance premiums.
Netizens asked: What are the main factors influencing the cost of vehicle loss insurance?
Lawyer: 1. Driving record. When applying for car insurance in the second year, the insurance company will look at whether the owner has a bad driving record, such as drunk driving, etc., in short, drive carefully and have no accidents, then you will want to have a certain discount when you apply for car insurance in the second year.
At the same time, the age of the driver, whether they are new to the driver, and whether the vehicle is often driven by one person or two people are also factors that affect the premium.
2. Car model. Each insurance company has different risk values for different models and years. Put simply, the higher the value of the car, the higher or more popular it is, and the higher the premium.
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Anonymous users2024-02-03Calculation of car insurance: Skin Defeat Hall.
The formula for calculating compulsory liability insurance is: basic premium (1 + floating rate associated with road traffic accidents) (1 + floating ratio associated with traffic safety violations).
Calculation formula for commercial insurance:
Vehicle loss insurance premium = basic lead insurance premium + insurance amount of this insurance rate;
Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit;
Full Vehicle Theft Insurance Premium Actual Value of Vehicle Rate;
On-board liability insurance premium, this type of insurance compensation limit, rate;
Excludes deductible premium (vehicle damage insurance premium, third party liability insurance premium) rate.
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Anonymous users2024-02-02Regarding the landlord's concern about "how to calculate the cost of vehicle insurance?" "Here's my personal opinion:
How to calculate the cost of vehicle insurance:
1. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate.
2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed gear compensation limit;
3. The premium for theft insurance = the actual value of the vehicle.
4. The premium of the on-board liability insurance = the compensation limit rate of this insurance;
5. Excluding deductible special insurance premiums = (vehicle loss insurance premium + third party liability insurance premium) rate, etc.
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Anonymous users2024-02-01The formula for calculating the cost of insurance is as follows:
1. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate.
2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed gear compensation limit;
3. The premium for theft insurance = the actual value of the vehicle.
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.
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