How much does truck insurance cost? Excuse me, how much does big truck insurance cost

The insurance of trucks is calculated by tonnage, and the vast majority of trucks will also include the routes they often drive, and different routes and different road conditions may affect the final cost of truck insurance. But in general, the amount of truck insurance is more cost-effective than that of family cars, and the compensation is more comprehensive.

Operating trucks do not need to be insured according to double the cost, so when the owner asks about the insurance in the new year, he can combine the specific analysis of the danger that occurred in the previous year, and if the route changes, he must also communicate with the insurance company in time. All motor vehicles in our country must purchase compulsory insurance, trucks are even more important, the current insurance amount of compulsory insurance is 10,000, and the premium is 1200-1850 yuan. If you haven't been insured for two years, you can get another 20% discount.

In addition, you need to buy some commercial insurance, first of all, about third-party liability insurance, if it is in a developed area, it is recommended to buy an insurance amount of 300,000, if it is in an underdeveloped area of 200,000, in fact, there is not much difference between the two premiums; The second is car damage insurance, once your vehicle has an accident you can claim, the general purchase amount is equal to the basic premium plus the product of the purchase ** and the rate, of which the basic premium is generally about 280 yuan, and the purchase ** is the naked car price plus the purchase tax, the rate is generally, that is to say, the car damage insurance = 280 + naked car price *; In addition, it is glass insurance, the use of trucks is relatively harsh, and the glass may often break, so buy an insurance protection, the premium is very cheap, and it is very practical; Finally, it is not counting the deductible insurance, which is generally 20% of the third-party liability insurance, and can be in the event of an accident without having to bear the deductible part of the liability.

Laws and regulations: From the perspective of China, with the increase in car ownership year by year, auto insurance has become a major component of China's non-life insurance market, and it is the largest type of property insurance.

At present, among domestic insurance companies, the premium income of auto insurance business has accounted for more than 50% of the total premium income of their property insurance business, and the premium income of auto insurance business of some companies accounts for more than 60% of the total premium income of their property insurance business. The profit and loss of the auto insurance business directly affects the economic benefits of the property insurance industry.

According to the statistics of the Insurance Association of China, there are 135 insurance companies and 36 insurance intermediaries, most of which have carried out auto insurance business.

Hello, truck drivers need to drive on the highway a lot, on the other hand, they also need to travel day and night, which is very easy to cause fatigue and lead to traffic accidents. Considering the high risk of this profession, the first insurance consideration for truck drivers should be accident insurance. However, when buying accident insurance, you need to pay attention to its exclusions, ordinary accident insurance generally does not cover the profession of truck driver, and you need to ask clearly when purchasing.

When applying for accident insurance for truck drivers, it is best to insure the amount of insurance for death and disability according to the maximum amount insured, and in case of accidents, the quality of the truck driver's family can be guaranteed to a certain extent. After accident insurance, there is also health insurance to consider. The life of a truck driver often requires driving day and night, often driving tiredly, and irregular life can easily lead to health problems, so health insurance is essential.

At the same time, you can also supplement life insurance according to your financial ability. Specifically, it is necessary to communicate in detail and clarify the requirements.

Trucks are divided into commercial and non-operating trucks, and the difference in premiums is wide.

Trucks are divided into tonnage, and the premium is different for different tonnage.

There are many types of commercial insurance, which types of insurance do you want to insure, and how many tens of thousands do you insure.

The claim information of motor vehicles in previous years is also very important, and the premiums are different between insurance and non-insurance in previous years**.

Generally speaking, the car insurance for trucks** will be around 2-40,000 yuan.

Generally speaking, the car insurance of the truck will be about 2-40,000 yuan, the insurance of large trucks is calculated according to the tonnage, the vast majority of insurance companies will calculate the route that the truck often travels, different routes, different road conditions will affect the level of travel risk, so different risks eventually lead to the car insurance ** is also different.

Because there are many factors that affect the three insurances of trucks, such as previous driving records, driving age and number of drivers, car model, driving area, whether they are continuously insured, etc., so different trucks may have different **, so there is no clear ** table, you can consult the local insurance company according to the situation of your vehicle.

It is very necessary for large trucks to purchase the following insurance:1. Compulsory traffic insurance, which is required to be purchased by law, cannot be driven on the road without buying.

2. Car damage insurance, damage caused by accidental collision or natural disaster can be compensated.

3. Third-party liability insurance, the insured amount of large trucks is generally more than 1 million.

4. Liability insurance for personnel on the vehicle, which can reduce the loss of expenses in the event of an accident.

Hello vehicle insurance premium, the next year to recover or reinstate according to the amount of your claim is different. The range of increase is different, the compulsory traffic insurance reverts to the new car insurance premium, the second is a 10% increase, and the compulsory traffic insurance is up to 30%. I hope it will be helpful to you, and I hope to adopt it.

If a large truck is in danger, the insurance will be increased by 10% to 30%, mainly according to the number of accidents. If the insurance is out in the first year, the car insurance premium will be raised in the second year, which depends on the total claim amount and whether there is a personal **, whether it is compulsory traffic insurance or commercial insurance, and the float is different. In general, if there are two or more traffic accidents (no fatalities) in the previous year, the secondary premium**10%, and in the case of a traffic fatality in the previous year, the next year's premium**30%.

Extended Information: Types of Car Insurance.

According to the nature, it can be divided into compulsory insurance and commercial insurance, and the type of car insurance can also be divided into basic insurance and additional insurance according to the scope of liability.

The basic insurance includes third-party liability insurance and automobile loss insurance, and the policyholder can choose to insure some of these insurances or all of them.

1. One of the types of insurance: vehicle loss insurance (main insurance) Vehicle loss insurance refers to the loss of the insured vehicle itself caused by natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract. This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it.

2. The second type of insurance: third-party liability insurance (main insurance) is a compulsory insurance, which is required during the annual examination of the car. It refers to the direct loss of property and personnel of a third party caused by an accident in the process of using the insured vehicle.

With the current compensation standard, it is recommended to buy at least 100,000 yuan, and it is best to buy 200,000 yuan or 500,000 yuan, especially for novices or friends who like to fly and friends who are under great pressure and not easy to concentrate, and because the price of 50,000 yuan, 100,000 yuan, and 200,000 yuan is not much different.

3. The third type of insurance: theft insurance (additional insurance).

4. Type 4: Seat liability insurance (additional insurance) It is not recommended to buy liability insurance for people on the bus. It is advisable to consider life insurance products separately, as coverage and premiums are generally lower and better.

If your car is often ridden by friends, then you can also consider buying a little, but you don't need to buy too much, the insurance amount is enough for 10,000 to 20,000 yuan.

5. The fifth type of insurance: glass broken separately insurance (additional insurance) refers to the use of the car glass broken separately, pay attention to the word "alone", and if it is caused by other accidents, there is compensation in the car damage insurance, so if it is a domestic car, the glass is not expensive, and you can not buy it if you want to save money.

6. Insurance Type 6: Spontaneous Combustion Insurance (Additional Insurance) During the driving process, the vehicle is damaged due to the failure of the vehicle's electrical appliances, circuits, and fuel supply systems and the spontaneous combustion of the goods carried by the vehicle, resulting in the loss of the vehicle and the reasonable expenses paid for the rescue. It is recommended not to buy a new car, and it is recommended to consider a car that is more than three years old.

You have to ask the salesman of the insurance company for this, and they will have the specific number for you.

Generally speaking, the car insurance for trucks** will be around 2-40,000 yuan.

Generally speaking, the car insurance of the truck will be about 2-40,000 yuan, the insurance of large trucks is calculated according to the tonnage, the vast majority of insurance companies will calculate the route that the truck often drives, different routes, different road conditions will affect the level of travel risk, so different risks eventually lead to the car insurance banquet potato ** is also different.

Because of the impact on the truck three insurance.

There are many factors, such as previous driving records, driving age and number of drivers, car model, driving area, whether it is continuously insured, etc., so different trucks may have different **, so there is no clear ** table, you can consult the local insurance company according to the situation of your vehicle.

It is very necessary for large trucks to purchase the following insurance:1. Compulsory traffic insurance, which is required by law, cannot be purchased on the road if it is not bought by the group.

2. Car damage insurance.

Suffered from an accidental collision or natural disaster.

Any damage caused will be covered.

3. Third party liability insurance.

The sum insured for large trucks.

Generally above 1 million.

4. Liability insurance for cars or rotten personnel.

Loss costs can be mitigated in the event of an accident.

Generally, the cost of Dafan car insurance is 15000-2000, which depends on whether the car has something to do before, the number of occurrences, tonnage, and different models are also different. At present, the coefficient of folding celery silver buckle is generally 40%.

Truck insurance is about 1,200 to 4,500 yuan.

The premium for trucks under 2 tons is 1,850 yuan for operating trucks, 1,200 yuan for non-operating trucks, 3,070 yuan for 2-5 tons of trucks, 1,470 yuan for non-operating trucks, 3,450 yuan for 5-10 tons of trucks, 1,650 yuan for non-operating trucks, 4,480 yuan for trucks over 10 tons, and 2,220 yuan for non-operating trucks.

The premium formula for commercial insurance is as follows:

1. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance type * rate.

2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit.

3. The insurance premium for theft insurance = the actual value of the vehicle * the rate.

4. The premium of the newly added equipment loss insurance = the insurance amount of this insurance * rate.

5. Glass breakage insurance premium = new car purchase price * rate.

6. Spontaneous combustion loss insurance premium = insurance amount of this insurance type * rate.

7. On-board liability insurance premium = compensation limit of this insurance * rate.

8. The premium of the on-board cargo drop liability insurance = the compensation limit of this insurance * rate.

9. Excluding deductible special insurance premiums = (vehicle loss insurance premium + third party liability insurance premium) * rate. <>

Summary. Trucks with operating certificates are generally business vehicles, the premium of this kind of truck three liability insurance is mainly related to the insurance limit, by the policyholder and the insurer in the signing of the insurance contract according to 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan not more than 10 million yuan of the grade of negotiation and determination. The premiums of truck liability insurance are 758 yuan, 1057 yuan, 1206 yuan, 1301 yuan, 1456 yuan, 1734 yuan and 2258 yuan respectively.

Commercial three liability insurance** varies due to different insurance companies and different channels, and the specific amount depends on the corresponding grade of the maximum compensation limit: the premium also changes from low to high. The cost of 5 to 10 tons (exclusive) is 3450 yuan; The cost of 10 tons and above is 4480 yuan; The premium of truck liability insurance has nothing to do with the purchase price of the vehicle, but mainly related to the insurance limit.

Trucks with operating certificates are generally business vehicles, the premium of this kind of truck three liability insurance is mainly related to the insurance limit, by the policyholder and the insurer in the signing of the insurance contract according to 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan not more than 10 million yuan of the grade of negotiation and determination. The premiums of truck liability insurance are 758 yuan, 1057 yuan, 1206 yuan, 1301 yuan, 1456 yuan, 1734 yuan and 2258 yuan respectively. Commercial three liability insurance** varies due to different insurance companies and different channels, and the specific amount depends on the corresponding grade of the maximum compensation limit

Premiums also vary from low to high. The cost of 5 to 10 tons (exclusive) is 3450 yuan; The cost of 10 tons and above is 4480 yuan; The premium of truck liability insurance has nothing to do with the purchase price of the vehicle, but mainly related to the insurance limit.

Generally speaking, car insurance** will be about 2-40,000 yuan. The insurance of large trucks is calculated according to the tonnage, and the vast majority of insurance companies will calculate the road Sen line that the truck often travels, and different routes and road conditions will affect the risk of going out of the family, so different risks eventually lead to different car insurance.