How to buy car insurance for the third year and how much is car insurance for the third year

If the vehicle owner has not been involved in a traffic accident in the previous year, the premium can be reduced by 10%; if it has not occurred for two consecutive years, it will be reduced by 20%; If it has not occurred for three consecutive years or more, it will be reduced by up to 30%; On the contrary, if there are two or more traffic accidents with liability in the previous year, it will increase by 10%; In the event of a fatal accident attributable to liability, the maximum increase is 30%. 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%.

The ** 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.

Basic Premium (1 + Floating Ratio Linked to Road Traffic Accidents) (1 + Floating Ratio Linked to Traffic Safety Offences). Car insurance is paid for one year, and can be renewed as early as 90 days before the expiration of the insurance period, usually about a month in advance It is better to renew the insurance, so that the insurance will not have the risk of getting out of danger, and there will be no pressure to pay too long in advance, and the actual renewal time is determined by the owner.

First, to know clearly how to buy car insurance in the third year, you must first know the type of car insurance.

Car insurance has two parts: the main cover and the rider. Among them, the main insurance includes the following two types of insurance: vehicle loss insurance and third-party liability insurance. Additional insurance includes the following types of insurance: full vehicle theft insurance, on-board liability insurance, no-fault liability insurance, on-board cargo falling liability insurance, windshield glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance excluding deductible.

Second, how to buy car insurance in the third year, the key is to choose the type of insurance suitable for the third year of car insurance from the car insurance type.

After the survey, the frequency of car owners to change cars is generally 5 years a round, the first two years have not been out of the insurance car owners believe that it is too wasteful to buy full insurance, so it is necessary to save some insurance, but car damage insurance, three insurance, not counting deductible insurance is best to buy, spontaneous combustion insurance is also time to consider. "Some risks can be saved, while others can't. Lingyue suggests that you must buy it regardless of deductible insurance.

This type of insurance is a companion clause to car damage insurance and third party liability insurance. If you do not buy this insurance, the insurance company will have a certain deductible in the event of an accident. Theft insurance is purchased according to the owner's own situation, if there is no fixed parking space of their own, it is recommended to purchase this insurance.

In addition, in the third year of driving, those who have not yet purchased spontaneous combustion insurance should also beware of "spontaneous combustion caused by circuit aging", and it is also necessary to spend a few hundred yuan to buy "spontaneous combustion insurance".

3. How to buy car insurance for the third year? The general car owner can buy according to the above principles, but those high-end car owners and luxury car owners also need to increase the type of insurance.

It is recommended that car owners should purchase separate glass breakage insurance for the first four or five years. If you don't get this insurance, the glass can not be compensated for broken alone, and the glass accessories of the 4S shop for this type of car are very high, and the owner will be more troubled when he encounters this situation. Scratch insurance can also be purchased by car owners depending on the parking lot.

For luxury cars, the cost of a scratch may be one or two thousand yuan, and the premium is only 100-200 yuan.

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

Summary. How much is car insurance for the third year? The cost of the third year of car insurance is determined based on factors such as the specific type of insurance, the number of accidents, and the number of violations.

Assuming that the vehicle is a 5-seater small car, Xiao Wang spent 5,000 yuan to insure the second year, and the insurance type insured in the third year remains unchanged. So, how much is car insurance for the third year?

The first case: no accident.

1. If there is no insurance in the first two years, compulsory traffic insurance: it can be cheaper by 20%, that is, 950 * 90% * 80% = 684 yuan; 2. If there is no insurance in the first two years, commercial insurance: (5000-855)*70%=RMB, and the total premium is RMB.

The second case: 1 accident in the previous year.

1. If there is an average of 1 insurance in the previous year, the car insurance premium for the third year will remain unchanged at 5,000 yuan;

The third case: 2 accidents in the previous year.

How much is car insurance in the third year.

How much is car insurance for the third year? The cost of the third year of car insurance is determined according to the specific type of insurance, the number of accidents, violations and other factors. Assuming that the vehicle is a 5-seater small car, Xiao Wang spent 5,000 yuan to insure the second year, and the insurance type insured in the third year remains unchanged.

So, how much is car insurance for the third year? The first situation: no insurance 1, if there is no insurance in the previous two years, compulsory traffic insurance:

It can be cheaper by 20%, that is, 950*90%*80%=684 yuan; 2. If there is no insurance in the first two years, commercial insurance is not out of insurance: (5000-855) * 70% = yuan, and the total premium is yuan. The second scenario:

If there was an accident 1 time in the previous year1, if the average insurance in the previous year was 1 time, then the car insurance premium in the third year will remain unchanged at 5,000 yuan; The third case: 2 accidents in the previous year 1, if there are 2 accidents in the previous year, compulsory traffic insurance: 950 * (110%) = 1045 yuan.

2. If there were 3 times of insurance in the previous year, commercial insurance (5000-950) * (150%) = 6075 yuan The fifth situation: 4 times of insurance in the previous year 1, if there were 4 times of insurance in the previous year, compulsory traffic insurance: 950 * (110%) = 1045 yuan 2, if there was 4 times of insurance in the previous year, Shangshan Shengjiao industrial insurance (5000-950) * (175%) = 7087 yuan;

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"

The third year of car insurance** is related to the number of times in the first two years: 1. 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%. 2. The first level 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.

However, for the same model, the whole country implements unity**; 3. The calculation formula of compulsory traffic insurance is: basic premium (1 + floating rate associated with road traffic accidents) (1 + floating ratio associated with traffic safety violations); 4. If the owner has not had a traffic accident in the previous year, the premium can be reduced by 10%; if it has not occurred for two consecutive years, it will be reduced by 20%; If it has not occurred for three consecutive years or more, it will be reduced by up to 30%; On the contrary, if there are two or more traffic accidents with liability in the previous year, it will increase by 10%; In the event of a fatal accident attributable to liability, the maximum increase is 30%.

Question Okay, got it, thank you.

You're welcome and have a great day.

70% discount on car insurance for the third year, which can be discounted if there is no insurance.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

The cost of compulsory traffic insurance is linked to the liability for road traffic accidents and traffic safety violations. Final Premium = Base Premium (1 + Floating Ratio Linked to Road Traffic Accidents) (1 + Floating Ratio Linked to Traffic Safety Offences).

Taking a 5-seater passenger car as an example, the premium for the first year is 950, if there is no insurance, there is no compulsory traffic insurance for compensation, the second year is 855 (down 10%), and the third year is 760 down 20%).

If there are more than two accidents (including two times), it will be increased by 10%; If a road traffic fatality occurred in the previous year, the compulsory insurance** will be increased by 30% in the second year; In addition, if there is a case of drunk driving, according to the regulations of the place where the owner of the car is located, the compulsory traffic insurance rate for drunk driving violations is controlled between 10% and 15% at a time.

If the commercial insurance is only insured once in a year, then the second year's premium can enjoy a discount, and if the insurance is insured twice in a year, then the second year's premium can only enjoy the discount.

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

The price of the car is according to the industry standard of the year, because the car has a loss, according to the company's system out of the car price to buy the car damage, when the insurance expires, you can change the company to buy insurance.

Summary. If there is an insurance, ** is about 4000 yuan. If you have been out of insurance twice, then ** is about 4700 yuan.

The third year of car insurance is generally about 2,700 yuan. This refers to the absence of an accident for three years.

If there is an insurance, ** is about 4000 yuan. If you have been out of insurance twice, then ** is about 4700 yuan.

It's an accident.

If the ** of a car insurance is about 100,000 yuan, then the ** of the insurance is about 4,000 yuan.

3500 out of insurance.

That's right, an insurance is around 4,000 yuan, and that range is about 3500 and 4300.