100,000 car, how much does commercial car insurance cost

Hello! If you buy car insurance for about 100,000 cars, in addition to compulsory traffic insurance, you should also consider three major types of insurance, including three liability insurance, car damage insurance, special insurance without deductible, and scratch insurance. As for how much it is, 100,000 yuan of cars to buy these types of insurance will cost about 4,000 yuan in the first year.

Specifically, for a 100,000 private car, the cost of compulsory traffic insurance in the first year should be 950 yuan, if it is not the first year of car insurance, then the premium is not fixed, will be based on 950 yuan to float, the specific reference standard is the owner's previous year's insurance record, the maximum discount can reach 30%, of course, if frequent insurance, the premium will be **, ** The maximum range is also 30%. Three liability insurance, the premium of the three liability insurance has nothing to do with the price of the car, this is mainly based on the amount of insurance to calculate the premium, and this insurance amount is also determined by the owner himself, ranging from 50,000 to 1 million. This everyone has to consider the local compensation standard, calculated with 300,000 yuan of three liability insurance, the premium is about 1,000 yuan.

Car damage insurance is a commercial car insurance, car owners can buy according to their own choice, it is recommended that car owners can buy a car damage insurance for their own car, ** in about 1500 yuan. Of course, different insurance companies** are different, and consumers can choose freely. When buying car insurance, if you do not purchase deductible insurance, the owner needs to bear part of the loss after the vehicle is out of insurance, so you should be insured without deductible insurance, and its premium is generally 200 yuan a year.

There are also some new car owners, the newly bought car is easily scratched when parked in the community, we all know that it costs a lot of money to spray paint the car now, so you can buy a scratch insurance, 100,000 cars to buy scratch insurance premium is about 300.

It mainly depends on the type of insurance you buy, if you buy 30-500,000 three responsibilities, car damage of 100,000, excluding deductibles, theft plus compulsory traffic insurance and vehicle and vessel tax, about 3,000 yuan, you give 2002 ** can not represent anything, you buy less insurance is cheaper, buy more expensive.

Hello dear. We will be happy to answer your questions. Generally around 4000-5000.

Each insurance company will be different. 1. Compulsory traffic insurance 950 yuan (less than 6 seats); 2. Commercial insurance is about 3000. Commercial insurance includes:

third-party liability insurance (877 yuan), with a compensation of 100,000 yuan; Vehicle loss insurance (1730 yuan), basic premium + naked car**; Special insurance (522 yuan) for those who do not pay for free pants, (vehicle loss insurance + third-party liability insurance) 20%; Liability insurance for people on the bus (200 yuan for 4 people), the premium per person is 50 yuan, which can be filled in according to the actual number of seats in the vehicle; No fault liability insurance (175 yuan), third party liability insurance 20%; Hu Zhishu (703 yuan), basic premium + naked car** rate. Commercial insurance can be purchased according to their own situation, to sum up, 110,000 cars have to pay about 4,000 yuan per year.

Dear, I hope mine can help you. Wishing you happiness! 

Vehicle insurance includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a type of insurance that is compulsory to purchase by national law, and the national unified first-year basis**, 950 yuan for private cars with less than 6 seats, and the subsequent premiums are linked to traffic violations to float. Commercial insurance includes basic insurance and additional insurance such as three-party liability insurance, car damage insurance, theft insurance, and deductible insurance.

Therefore, the premiums of different commercial insurance companies will definitely be different.

If you want to be fully protected, in addition to compulsory traffic insurance, you will generally insure several main insurances, mainly vehicle loss insurance, third-party liability insurance, theft insurance and vehicle personnel liability insurance. How much does it cost to buy car insurance in a year? Car damage insurance is generally based on the purchase price of the new car to calculate the premium comparison insurance, taking a vehicle of 100,000 yuan as an example, the car damage insurance** is about 1,500 yuan.

The premium of the three liability insurance ** depends on the amount of insurance chosen by the car owner, ranging from 50,000 to 1 million, and it is recommended to choose the three liability insurance with an insurance amount of 200,000 to 500,000, and the cost is more than 1,000 yuan.

Theft insurance is calculated according to the proportion of car damage insurance, and under normal circumstances, the insurance rate of theft insurance is not very high, so if it is not a model that is easy to lose, you can not buy it at all, and you can save some premiums. The on-board personnel liability insurance is insured according to the number of insured seats, the number of seats is insured at 10,000, **100 yuan, and the cost of buying 5 seats on the bus personnel liability insurance is about 500 under normal circumstances. After choosing the basic insurance, several additional insurances will be added according to personal circumstances, and the combined premium of these types of insurance will be about 5,000 yuan a year.

How much does it cost to buy car insurance in a year? Of course, the more types of insurance you buy, the more car insurance premiums you will spend, and you can choose according to your actual situation, and some types of insurance can be completely avoided. The more expensive the purchase price of a new car, the higher the cost of car insurance, and if it is a luxury car, some car owners have recently reported that it will be more difficult to insure.

After all, luxury car insurance companies take a lot of risk, and many companies are reluctant to underwrite them. Secondly, another factor that affects the premium of car insurance, online car insurance and telemarketing car insurance** cheap, commercial car insurance can save about 15% of the premium, in the 4S store or looking for insurance ** people to buy car insurance will be slightly more expensive.

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

Hello, first of all, compulsory insurance, you can't get on the road without this, the national unified price, 950 yuan a year (less than 6 seats). The next is commercial insurance, after the insurance company's brainstorm, there are many types, you have to look carefully to see if there is any need to buy it. One.

Third-party liability insurance, 877 yuan a year, the sum insured is 100,000 yuan, and the cost of choosing a higher insurance amount is higher. Generally, car owners will buy third-party liability insurance, and if there is an accident and a car, it is all supported by it. Two.

No fault liability insurance (additional insurance of third party liability insurance), 175 yuan per year, 20% of the third party insurance. The insured vehicle is not at fault, and the insured refuses to compensate for the unsuccessful, and the insured has paid to the other party and cannot recover the expenses. Three.

Car damage insurance, 1730 yuan per year, the basic premium of naked car**, no matter whether your car is hit or burned, how much you lose. Four. Liability insurance for people on the bus, 200 yuan for 4 people, the premium for each seat is 50, calculated according to the seat of the car, divided into driver insurance and passenger insurance.

Five. Excluding deductible special insurance, 522 yuan per year, (car damage insurance, third-party liability insurance) 20%, additional insurance, you can only buy third-party liability insurance and car damage insurance, which is to transfer 5% to 20% of the compensation liability that you are responsible for to the insurance company. There is also spontaneous combustion loss insurance (165 yuan, glass breaking insurance for the purchase price (165 yuan, purchase price, imported cars are calculated separately), body scratch insurance (400 yuan a year for a 4-seater car), theft insurance (703 yuan per year, basic premium naked car ** rate) and so on, as long as you want to spend money, the insurance company will have a variety of bright car insurance.

After counting these insurances, if you basically buy them all, it will cost about 5,365 yuan per year

Damn, I'm from Xuqiao, Taihu Lake. 10 cars to be reviewed for half a year, a time of the environmental assessment 130, insurance depends on which you buy, if it is the following 300 a year of vehicle and vessel tax must be paid, compulsory traffic insurance 790 must be paid, other commercial insurance to see the individual, in order to pass on the risk, buy three liability insurance 1 million yuan, spontaneous combustion insurance, not counting the exemption, car damage insurance owner enough.

About 5500 yuan. 1. Compulsory traffic insurance 950 yuan (less than 6 seats); 2. Commercial insurance is about 4600. Commercial insurance includes:

Third party liability insurance ($877);

Vehicle bending loss insurance (1627 yuan), basic premium + naked car**;

Excluding deductible special insurance (500 yuan), (vehicle loss insurance + third-party liability insurance) 20%;

Liability insurance for relatives in the spring (200 yuan for 4 people), the premium per person is 50 yuan, which can be filled in according to the actual number of seats in the vehicle;

No fault liability insurance (175 yuan), third party liability insurance 20%;

Spontaneous combustion loss insurance (150 yuan), new car purchase price;

Glass breakage insurance (150 yuan), the purchase price of imported new cars, and the purchase price of domestic new cars;

Body scratch insurance (400 yuan), 950 yuan for households with less than 6 seats, and 1100 yuan for families with 6 seats and above;

Full car theft insurance (650 yuan), basic premium + naked car** rate.

Commercial insurance can be purchased according to your own situation, to sum up, 100,000 car full insurance to pay about 5,500 yuan.

Legal analysis: The insurer will pay compensation in accordance with the relevant provisions in the insurance contract. At the same time, if the insurance company agrees in writing, the insurance company shall bear the arbitration or litigation costs incurred by the insured.

This type of insurance is mainly to ensure that the third-party victims of road traffic accidents receive timely and effective compensation. However, the aftermath of the accident needs to be handled by the insured. The insurance company will pay you up to 30% of the limit of liability.

Legal basis: Article 65 of the Insurance Law of the People's Republic of China The insurer may, in accordance with the provisions of the law or the contract, directly compensate the third party for the damage caused to the third party by the insured of the liability insurance. If the insured of the liability insurance causes damage to a third party, and the liability of the insured to the third party is determined, the insurer shall, at the request of the insured, directly compensate the third party for the insurance money.

If the insured fails to make a request, the third party has the right to directly claim compensation from the insurer for the part of the compensation to be paid. If the insured of the liability insurance causes damage to a third party, and the insured fails to compensate the third party, the insurer shall not compensate the insurer for the insurance money. Liability insurance refers to insurance that takes the insured's liability for compensation to a third party as the subject matter of insurance.