The car insurance fee has been changed, how to buy it more cost effective?

1. Car insurance refers to a kind of commercial insurance that is liable for personal or property losses caused by natural disasters or accidents of motor vehicles, and is a kind of transportation insurance with the motor vehicle itself and its third-party liability as the subject of insurance. It is recommended that you comprehensively compare the industry reputation, after-sales service, response speed, ** and other aspects of the original car insurance company and the new insurance company, and make your own judgment.

Just buy the following two and you're good to go.

1. Compulsory traffic insurance:

According to the provisions of the Road Traffic Safety Law, it is mandatory by the state, as long as you have a motor vehicle that must be paid, this is understandable, and it is not too cumbersome.

2. Commercial auto insurance:

Many friends pay attention to how to buy a cost-effective car insurance after the 2020 car insurance reform, in fact, they pay more attention to commercial car insurance

1) Car damage insurance: (theft insurance, spontaneous combustion insurance, engine wading insurance, glass insurance, third-party liability insurance, excluding deductibles) is mainly to compensate for your own car.

2) Three-party insurance: to compensate for other people's cars, you generally need to buy them.

The car insurance premium has changed. Personally, I think it's still the same as usual. It is necessary to buy car damage insurance and compulsory traffic insurance. and third party liability insurance. and deductible. That's it. Because glass insurance, scratch insurance, wading insurance, etc., are now included in the car damage insurance.

Now, after the car insurance fee reform, all the ** have been reduced, and the minimum compulsory insurance has been reduced to 570

It is more cost-effective to buy after the third commercial reform, because the third commercial reform is to reduce the rate of commercial insurance. In the field of property insurance, auto insurance was born and developed because auto insurance was accompanied by the emergence and popularization of automobiles. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

After the insurance premium reform, the most beneficial point for car owners is for the premium, and this measure is also to encourage car owners to take care of their cars and drive safely. The cost of car insurance can be discounted by 6 to 7 points for 3 consecutive years. No insurance for more than 3 years, less cost.

But on the contrary, the more trips you have, the higher the cost of car insurance in the next year.

Hello! After the reform of car insurance premiums, the preferential rate of automobile insurance is obtained by multiplying four coefficients, namely, the multi-insurance preferential coefficient, the non-compensation preferential coefficient, the average mileage coefficient, and the old and new special model coefficient. It will be more cost-effective to apply if you meet the following conditions:

1. Multi-insurance preferential coefficient: After insuring the three-party insurance and any other type of insurance (including the three-party insurance without deductible), you can enjoy this discount. This discount is automatically given by the insurance company's platform, and if you meet the conditions, such as insurance three + no deductible, you can enjoy the discount.

2. Preferential coefficient of no compensation: if there is no compensation for three consecutive years, the coefficient is, if there is no compensation for two consecutive years, if there is no compensation in the previous year, if there is no compensation in the previous year, if there is a new insurance or a compensation coefficient in the previous year, if there is a compensation coefficient of 2 times in the previous year, if the compensation coefficient increases for 3 times in the previous year, if there is a compensation coefficient for 4 times in the previous year, and if there is 5 or more claims in the previous year, the compensation coefficient rises to.

3. Average mileage coefficient: each insurance company can control itself, and the coefficient can be adjusted according to the actual use of the vehicle and the risk situation, and the average mileage is less than 10,000 kilometers per year.

4. The coefficient of the old and new special models: the coefficient is the floating coefficient, and the range is to, if it is not within this range, the minimum coefficient is 1.

Either way, you can enjoy at least 15% off your premium by purchasing the corresponding car insurance.

In a nutshell, as long as you have not been insured continuously or have an occasional accident, it is cost-effective to buy it.

After the reform of car insurance, it is beneficial to customers, the rights and interests of customers have increased, and the cost has also decreased, so car damage, all three and compulsory traffic insurance are required to be insured.

1.The large number of outlets means that it is more convenient to settle claims in different places;

2.Self-service claims on your phone;

3.Service efficiency is the most direct data that reflects the internal management system and workflow of an insurance company;

4.The "three old auto insurance companies", namely PICC, Ping An and CPIC, account for nearly 60% of the market share, after all, the comprehensive strength of large insurance companies is beyond doubt.

Whether the premium of car insurance will increase after the fee change depends on the specific situation.

For some good car owners who abide by the law and drive safely, the premium will continue to decline, for example, the premium discount will reach a discount for vehicles that have not been insured in Sichuan for three years.

In Shandong, Shanxi, Fujian and other places, the premium discount will reach a discount for vehicles that are not insured for three years. If it is a vehicle that fails to drive safely and is often out of insurance, the premium will be more expensive.

After the car insurance reform, if the premium of car insurance remains unchanged, the increase in the sum insured is equivalent to a price reduction. Moreover, there is no accident, and the discount rate for renewal in the second year is also higher.

To be precise, after the change of car insurance premiums, the characteristics of recognizing cars and not recognizing people have become more obvious. Premium differences. Before the fee change, if the purchase price of a new car is the same, the premium will be the same; After the fee reform, even if the purchase price of a new car for different models is the same, the premium will be different due to the difference in the risk of insurance of historical models.

On November 20, 2020, car insurance was reformed again: the changes after the reform of car insurance premiums are as follows:1The compulsory insurance amount was increased to £200,000.

2.The scope of the liability insurance for the three has been increased to: 100,000 pats and 10 million.

3.The rate drops to 25 percent.

4.The biggest change is car damage insurance, and there is no need to buy deductible insurance in the future.

So how do you buy the best car insurance after the facelift?

As can be seen from the above table, there are three types of compulsory car insurance: compulsory insurance, car damage insurance and third-party liability insurance.

It is advisable to add personal liability insurance for the people on board (driver and passengers).

It looks like this:1If you want to pay compulsory insurance, the premium remains the same now, and the sum insured is higher and more cost-effective.

2.The three insurances are recommended to be 2 million, and 1 million and 2 million are not much different.

3.Car Damage Insurance. After the reform was completed, the scope of compensation was wider. For example, before last year, if you buy a new car, you have to get a waiver, and if you buy a new car, you have to buy theft insurance. Now you don't need to, it's all covered by car damage insurance.

4.Seat insurance, more than 100 yuan, a little bump can be reimbursed by the hospital, very cost-effective. Attacking friends is stupid.

To sum up, after the car insurance fee reform, the above combination is the most cost-effective and cost-effective.

Millions of car purchase subsidies.