200,000 car, how much is the insurance a year

1. Compulsory traffic insurance: 79 yuan per month

Insurance and vehicle and vessel taxes.

It's a very important part. If the insurance is not insured, there will be a discount for the next year, for convenience, here we calculate according to the first year.

Compulsory traffic insurance is a must, 79 yuan per month, 948 yuan per year. Because the compensation amount of compulsory traffic insurance is limited, many car owners will also buy some commercial insurance.

2. Commercial insurance: 414 yuan per month

For a car of 200,000 yuan, buy and pay 500,000 yuan for three party insurance, car damage insurance, and vehicle personnel liability insurance.

Excluding the deductible and these basic insurances, excluding the compulsory traffic insurance, the annual cost is about 4,966 yuan, which is about 414 yuan a month.

3. Vehicle and vessel tax: January

Vehicles registered in China have to pay vehicle and vessel tax every year, and the insurance company generally pays it when buying compulsory insurance. Small passenger cars are determined according to displacement, we take Shenzhen as an example: 300 yuan per year, 390 yuan per year.

Fuel costs. The fuel consumption of a car of 200,000 yuan, we list three cars here, and then take the average.

For example, the Passat.

Word-of-mouth fuel consumption is around; Accord word-of-mouth fuel consumption is, Regal.

Word-of-mouth fuel consumption, on average, fuel consumption per 100 kilometers is around!

Hello! 200,000 car insurance** is closely related to factors such as the service life, the type of insurance bought, the specific amount of insurance, etc., generally if you buy compulsory traffic insurance, three liability insurance, car damage insurance, and deductible insurance, the first year will cost about 4,200 yuan.

It is estimated to be about 5,000 yuan. The full insurance includes 8 types of insurance, namely traffic compulsory insurance, vehicle loss insurance, deductible insurance, third-party liability insurance, vehicle personnel liability insurance, vehicle theft insurance, scratch insurance, and glass breakage insurance. Except for compulsory traffic insurance, which is mandatory to purchase, the other 7 types are commercial insurances that can be purchased as an option.

About 4000 yuan. The cost of buying different car insurance policies varies. Taking the purchase of compulsory traffic insurance, third-party liability insurance, car damage insurance, and vehicle personnel accident insurance as an example, the cost of car insurance for one year is about 4,000 yuan.

If you buy scratch insurance, glass insurance, theft insurance, etc., the cost will be higher.

Car insurance precautions.

The insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract. Therefore, neither over-insured nor under-insured can obtain additional benefits.

Each type of insurance has its own insurance liability, if the vehicle really has an accident, the insurance company can only bear the insurance liability according to the original insurance contract to pay compensation, and some other losses of the car owner may not be compensated.

1. Compulsory traffic insurance is 950 yuan (less than 6 seats).

2. Commercial insurance includes:

Third party liability insurance (877 yuan).

Vehicle loss insurance (2715 yuan), basic premium + naked car***.

Excluding deductible special insurance (718 yuan), (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%.

Spontaneous combustion loss insurance (300 yuan), new car purchase price*.

Glass breakage insurance (300 yuan, domestic), purchase price of imported new cars*, purchase price of new domestic 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 (1180 yuan), basic premium + naked car *** rate.

Car insurance is divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is compulsory insurance stipulated by the state and must be purchased. The premium of compulsory traffic insurance for ordinary family cars in the first year is 950 yuan, and if there is no insurance in the first year, the compulsory traffic insurance in the second year will drop by 10%.

Commercial auto insurance is divided into main insurance and additional insurance, and the main insurance mainly includes third-party liability insurance, car damage insurance, theft insurance and vehicle personnel liability insurance. There are many types of additional insurance, mainly including glass insurance, scratch insurance, wading insurance, spontaneous combustion insurance and deductible insurance. You can choose to buy according to your driving needs.

In order to provide comprehensive protection for your car, it is recommended to purchase all-inclusive insurance.

Generally, the annual premium of several main insurance and main additional insurance is about 5000-7000.

Commercial insurance can be purchased according to your own situation, to sum up, 200,000 cars have to pay about 7,700 yuan per year.

It cost me less than 400 to ask a question

Question 4500 blind report.

2,000,000 sum insured excluding deductible.

Question: How much is the 10,000-vehicle damage insurance7

Then your friend has been deceived.

There are two kinds of insurance, one has free odds, one does not count the free odds, this is the free odds that are thousands of dollars more expensive, what happens, the insurance company pays 80%, and 20% of their own pockets do not count the free odds, that is, 100% is the insurance company loses money.

New cars are still renewed. The basic insurance for a new car is about 5,000, and the renewal is very cheap, about 3,500.

About 4000 yuan. The cost of buying different car insurance policies varies. In order to purchase traffic insurance and third-party liability insurance.

Vehicle damage insurance, vehicle accident insurance.

For these 4 types of insurance, for example, the cost of car insurance for a year is about 4,000 yuan. If you buy scratch insurance, glass insurance, theft insurance, etc., the cost will be higher.

Car insurance precautions.

Sum insured. The insured value shall not be exceeded, and if the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract.

Therefore, neither over-insured nor under-insured can obtain additional benefits.

Each type of insurance has its own insurance liability, if the vehicle really has an accident, the insurance company can only bear the insurance liability according to the original insurance contract to pay compensation, and some other losses of the car owner may not be compensated.

The cost of buying insurance is calculated according to the amount of insurance you purchase, the higher the amount of insurance purchased, the more premiums, but the more money when paying.

Depending on what kind of insurance you buy, it will cost five or six thousand for full insurance.

First of all, let's take a look at how much car insurance for domestic models of about 100,000 yuan is a year, and generally 100,000 yuan cars should be insured with four most basic types of insurance: third-party liability insurance (100,000), car damage insurance, accident insurance for people on the car and deductible insurance. The premium will be different in each city, ignoring this difference for the time being, taking a medium-sized city as an example, a car insurance of 100,000 yuan will cost about 3,700 yuan a year.

The 200,000 or so high-end cars, should be insured vehicle scratch insurance and glass breakage insurance, as for theft insurance should be selected according to the local situation, not counted here for the time being, so it takes about 4,500 yuan a year.

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

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Compulsory traffic insurance is based on the purpose of the car, the number of seats, etc. to determine the premium (unified across the country), I hope mine can help you. If you are satisfied with my service, please give 5 stars.