How is this year s car insurance more expensive than last year?

The reason why this year's car insurance is more expensive than last year is that the discount of the industrial insurance insurance has been reduced, so its premium is **, and the new car insurance contains more protection items, so the premium will naturally be more expensive than the previous one. In addition, the China Banking and Insurance Regulatory Commission (CBIRC) has issued a new policy on auto insurance requiring policy data to be uploaded and archived synchronously, and the management is more stringent, so the discount can only be reduced.

The ** of car insurance is not static, it will be affected by many factors, take commercial insurance as an example, the premium of car damage insurance is not only affected by the number of accidents, but also the value of the vehicle, the discount, the amount of insurance, the risk coefficient, etc. will affect the rate of car damage insurance, resulting in changes in premiums.

Extended Material: Reasons for Car Insurance**.

1. Related to the vehicle: For models with car insurance of more than 140,000 yuan, the premium of car insurance has increased, and the owner reflects that the premium is not cheap at all, but more expensive; The **100,000 or so model discount is even more obvious, if there is no insurance for three consecutive years, the premium of the whole insurance is only one or two thousand.

2. Related to the region: for the rate adjustment plan, the rate is different in different regions, the country is divided into ABCDE these 5 schemes, and the compulsory traffic insurance in Area A has not been insured for three years, with a maximum discount of 50%, only 475; Some E areas can only be discounted by up to 30%, and the cheapest is 665 yuan;

3. It is related to the number of accidents: when there is a claim for compulsory traffic insurance and commercial insurance, the number of accidents will affect the premium of the second year.

4. The insured amount of car damage insurance: the premium of car damage insurance after the reform is the largest type of insurance, and some companies have a higher insurance amount of car damage insurance, and some have a lower insurance amount, which is also different.

5. Reduced discounts: The main reason for car insurance** in 2021** is that the discounts of commercial insurance are less than in previous years, so their premiums will be**.

6. Reduction of preferential efforts: The new policy issued by the China Banking and Insurance Regulatory Commission requires that policy data be uploaded and archived synchronously, and the management is strict, so the preferential intensity can only be reduced.

There are several reasons why this year's car insurance is more expensive than last year: First, you may have been reimbursed for insurance claims last year, and the insurance company has paid you a claim. Second, other insurance items may have been added this year, so it will be more expensive than last year.

It stands to reason that car insurance is getting cheaper year by year, of course, this is to have no accident, without insurance, insurance without claims will be cheaper year by year, if there is an accident in the previous insurance year, there is a claim The premium will increase.

Generally, car insurance is decreasing year by year, if this year's car insurance is more expensive than last year, it may be because the insurance has been reported last year, so the premium.

Here's why:1From January 1 this year, the vehicle and vessel tax will be raised based on the displacement (the specific amount varies from place to place).

2.Local industry associations have designated new self-regulatory conventions that affect the use of some coefficients (you can actually go to the insurance company counter and ask about this, there is no shame).

Under normal circumstances, it can only mean that your vehicle was insured last year, and the insurance will increase your insurance base after the insurance is paid.

They said that ** car insurance last year had a discount of more than 10 percent, this year's ** car insurance discount has been cancelled, and the discount of slowing down this year is 2 or 3 percent more than last year

Here's why:

1.From January 1 this year, the vehicle and vessel tax will be raised based on the displacement (the specific amount varies from place to place).

2.Local industry associations have designated new self-regulatory conventions that affect the use of some coefficients (you can actually go to the insurance company counter and ask about this, there is no shame).

The price of the variable item has increased, and the car damage insurance has been included, but it has increased by several hundred.

This year's vehicle and vessel tax has risen a lot, and your car has a high displacement.

It seems to say that last year's car insurance could be as low as 7% off, but this year it can only be 8% off.

How much is the displacement of the car, and a lot of money

The problem of displacement, right?! Vehicle and vessel tax?

As long as the car insurance is not out of insurance, the calculation of the premium has nothing to do with the renewal time and the expiration date, so it is not that the closer the car insurance is to the expiration, the more expensive it is. The premium of car insurance is mainly related to the number of times the insured vehicle has been insured in the past.

If there is no insurance for one year, two years, or three consecutive years, then the car owner can enjoy the corresponding premium discount. Buying car insurance in the month when the car insurance expires will not result in expensive premiums, and as long as the insurance is not out of policy for more than a month, the discount will be retained. Even if you don't buy commercial insurance, you must pay compulsory traffic insurance, otherwise you are not allowed to drive on the road.

There is no such thing as renewing car insurance that the closer it is to expiration, the more expensive it is. The price of car insurance is related to the number of trips in the previous year, and theoretically the price of the purchase on the day before the expiration is the same as the purchase in the month before the expiration.

In fact, insurance companies may offer more discounts to car owners who intend to renew their insurance policies early, which usually happens when insurance companies fall into the off-season, which is a business method to retain customers and increase performance. Therefore, some car owners are misled into thinking that the sooner the car insurance expires, the more expensive it is.

Renewals to save money.

1. When the car insurance is about to expire, it will continue to take over from various insurance companies, at this time, don't be too resistant, you may wish to ask the low prices of various insurance companies, and take the initiative to put forward some requirements, such as fuel cards, costs, etc., and compare the most suitable insurance company for **insurance.

2. When buying a new car, we usually have full insurance in the 4S store. In the subsequent use of the vehicle, in fact, we can find some types of insurance that we do not need, such as the car less than 5 years old can not need spontaneous combustion insurance, when the car is proficient in control and the technology is better, you can hide and delete the body scratch insurance.

The reason why the premium is more expensive than last year when the vehicle is insured this year is that if the insured vehicle is insured in the first year, the premium will increase in the second year. According to the relevant regulations, the fewer car accidents, the cheaper the premium for the second year.

For high-risk customers who have had a large number of accidents in the previous year, the car insurance rate will also rise, and the insured car owner can go out of insurance more than 5 times during the year, and the car insurance rate can increase by up to 30%.

Generally speaking, if there is no traffic accident in the previous year, the premium will be discounted by 10% if a copy of the policy of the previous year is provided; If there is no traffic accident in the previous two years, you will receive a 20% discount if you provide a copy of the previous year's policy and the discount of 10% is confirmed in the previous year; If there is no traffic accident in the first three years, provide a copy of the previous year's policy and confirm a 20% discount in the previous year, you will get a 30% discount; Paid base premium for the first time or in the previous year in a fatal-free traffic accident; If there are two or more traffic accidents in the previous year but no fatalities, the premium shall be increased by 10%; In the case of a traffic fatality in the previous year, the premium needs to be increased by 30%.

When renewing car insurance, the car owner needs to prepare materials such as a driving license and a copy of the insured's ID card. If the car owner is insured this year by a company that is not the same insurance company last year, he needs to drive the insured vehicle to be insured; If it is a unit's car insurance, the information that needs to be prepared are: driving license, organization ** certificate copy power of attorney, if the insured company is not last year's insurance company, it is also necessary to open the insured vehicle to insure.

Extended Materials. 1. 4 insurances that must be purchased for vehicles.

The 4 insurances that must be purchased for the car are: compulsory traffic insurance, third-party liability insurance, vehicle personnel insurance, and deductible insurance. Compulsory traffic insurance is also after the accident, the insurance company will carry out the corresponding compensation to the victim according to the contract, but it must be noted that the victim does not include the insured and the people in the car.

Third-party liability insurance is a type of insurance that covers the risk of injury claims by a third party caused by an accident when the insured or its permitted driver is using the insured car. Because the key goal of third-party liability insurance is to maintain the safety and rights of the public, it is generally regarded as statutory insurance and implemented mandatorily in practice.

On-board personnel insurance: There will inevitably be passengers on the car, and if an accident occurs after buying this insurance, the insurance company can compensate according to the contract. This is understood by everyone, and it is also the accidental injury and death of the person in the car.

Deductible insurance is an add-on, and most car insurance plans will have deductibles based on accident liability. Depending on the size of the liability, the range of the deductible is between 5% and 20%. This part of the cost is the responsibility of the car owner, and if you want to minimize the loss, you still have to come with deductible insurance.

In addition to the car insurance introduced above, there are also car insurance such as on-board personnel liability insurance, spontaneous combustion insurance, etc., and you can design different purchase plans according to your own needs.

The reason why car insurance is more expensive than last year is because of commercial insurance.

The discount of the insurance type is reduced, so the premium is **, and the new car insurance contains more protection items, so the premium will naturally be more expensive than the previous one. In addition to this, the China Banking and Insurance Regulatory Commission.

Prior to this, a new policy for car insurance required the policy data to be uploaded and archived synchronously, and the management was more stringent, so the discount could only be reduced.

The ** of car insurance is not static, it will be affected by many factors, just take the car damage insurance in commercial insurance.

The premium of car damage insurance is not only affected by the number of accidents, but also the value of the vehicle, the discount, the amount of insurance, the risk coefficient, etc., which will affect the rate of car damage insurance, which will lead to changes in the premium.

If it is high, the car damage insurance will be relatively expensive.

The reasons for car insurance** are as follows:

1. It is related to the vehicle**;

2. It is related to the region;

3. It is related to the number of accidents;

4. The insured amount of car damage insurance;

5. Discount reduction or less shooting;

6. Reduction of preferential treatment;

7. Include more projects.

Car insurance is getting more expensive year by year for the following reasons:

1. It is related to the price of the car;

2. It is related to the number of accidents, and the occurrence of claims and traffic violations in compulsory traffic insurance and commercial insurance will affect the premium of the second year;

3. The insured amount of car damage insurance, the car damage insurance that accounts for the largest proportion of car insurance premiums, the company's car damage insurance amount is higher, and some lower prices are also different;

5. The price of the car insurance insured is fixed when the car insurance is insured in the first year, which is 960, which is also the basic insurance of the car.

Without this insurance, the car is not allowed to drive on the road, commercial insurance, mainly car damage insurance, is the car insurance responsible for the repair of the car in case of accident damage, it is determined by the market value of the motor vehicle insurance, the insurance amount is the value of the motor vehicle, the higher the value, the higher the premium. One item usually costs about a thousand.

Car insurance is getting more expensive for the following reasons:

1. It is related to the price of the car; The premium of models with a car price of more than 140,000 yuan has increased, and car owners have reported that the insurance is not cheap at all, but more expensive; About 100,000 models** have obvious discounts, no insurance for three consecutive years, and the premium for all insurance only needs one or two thousand;

2. It is related to the region; The country is divided into ABCDE area, and the compulsory traffic insurance in Zone A will not be insured for three years, with a maximum discount of 50%; Some E zones can only be discounted by up to 30%;

3. Follow the number of accidents, compulsory traffic insurance and commercial insurance.

In the event of a claim or traffic violation, the second year's premium will be affected;

4. Car damage insurance.

Sum insured. At present, the car damage insurance, which accounts for the largest proportion of car insurance premiums, is higher for some companies and lower for some companies, which is also different;

5. Car insurance is more expensive than last year, mainly because the discounts for insurance such as commercial insurance are less than in previous years, so the insurance cost has risen;

6. China Insurance Regulatory Commission.

In the previous new policy, the policy data must be uploaded and archived simultaneously, and the above management is strict, so the discount can only be reduced;