The second year insurance price of a car of 130,000 is the best way to buy some insurance?

130,000 cars for the second year of insurance** It is best to buy these insurances for the second year:

1.Compulsory traffic insurance.

2.Car damage insurance.

3.Third Party Liability Insurance.

4.Seat insurance.

5.Deductible is not included.

Extended information] 1. Compulsory traffic insurance:

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

2. Car damage insurance:

Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while using the insured vehicle or its permitted driver.

Car damage insurance and third-party insurance are the basic insurance of vehicle insurance, which mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use! You probably think that even if the vehicle is damaged due to a natural disaster, the insurance company will pay for it! That's half true, most of the damage caused by natural disasters is compensated.

3. Third-party liability insurance

Third-party liability insurance refers to an insurance that compensates the property of the third party or pays for the personal injury of the third party due to the negligence of the insured. Third party liability insurance is not mandatory.

4. Seat insurance:

Seat insurance refers to the accident of the insured vehicle (not that the actor is intentional, but that the actor is unforeseeable and irresistible, causing the loss of people and property on the car), resulting in the driver or passenger on the car, the insurance company will compensate for the cost or accident money. At the same time, it is also what we often call seat insurance, which is actually the liability insurance of the passengers on the car, and the liability insurance of the personnel on the car is one of the types of commercial insurance, including the seat insurance of the driver and passengers, which is a type of insurance that specifically protects the passengers (including the driver) on the car. But there is one caveat:

This seat insurance does not cover the insured.

130,000 car second year insurance** The second best insurance items to buy: compulsory traffic insurance, car damage, third party, seat insurance, unable to find a third party, no deductible, glass broken insurance, wading insurance. Hope!

Summary. Hello, 130,000 yuan of car insurance, the first year of insurance, compulsory traffic insurance is 950 yuan, car damage insurance is 1,700 yuan, third-party liability insurance is 1 million yuan, the insurance amount is about 1,300 yuan, a total of about 4,000 yuan.

Hello, 130,000 car insurance slag, the first year of insurance, compulsory traffic insurance is 950 yuan, car damage insurance is 1,700 yuan, the third party dry banquet liability insurance is 1 million yuan, the insurance amount is about 1,300 yuan, and the total insurance is about 4,000 yuan.

130,000 yuan ** vehicle, insurance **. 1. Compulsory traffic insurance (must be purchased); The first year: 950 yuan for 5 seats, 1100 yuan for 6-8 seats, and the second year:

855 yuan, 990 yuan, third year: 760 yuan, 880 yuan, fourth year: 665 yuan, 770 yuan, fifth year:

665 yuan, the first 770 yuan of the premium is related to the insurance, insurance, transfer, any one of the number of fronts changes, then the premium will also change. 2. The car damage insurance is almost 1,700 yuan; 3. The third-party liability insurance can cover 50,000, 100,000, 200,000, 1 million, 5 million, etc., and 1,300 yuan is 1,300 yuan according to 1 million; 4. The theft and rescue base is more than 300 early; 5. Insurance for people on the car, 600 yuan.

Among them, only the compulsory traffic insurance**, is fixed, as for commercial insurance, different insurance companies ** is slightly different, you can call the insurance company's customer service**, inform the specific vehicle spring consumption model and vehicle condition and other information, get detailed information**.

Summary. Hello, I am honored to answer for you 130,000 cars in the second year of insurance Compulsory traffic insurance Although the compulsory traffic insurance is charged by the state, its ** is floating, and the fees that need to be paid in the second year will be calculated according to the number of times the owner has been out of insurance, traffic accidents, etc. It is calculated as follows:

Compulsory vehicle insurance premiums Basic premium (1 floating rate linked to road traffic accidents) (1 floating rate linked to traffic safety violations) However, if no compensation accident occurred in the previous year, compulsory traffic insurance can be discounted by 10%.

How much is the second year coverage of 130,000 car damage insurance?

How much is the second year coverage of 130,000 car damage insurance?

Hello, I am honored to answer for you 130,000 cars in the second year of insurance Compulsory traffic insurance Although the compulsory traffic insurance is charged by the state, its ** is floating, and the fees that need to be paid in the second year will be calculated according to the number of times the owner has been out of insurance, traffic accidents, etc. The calculation formula is: the cost of compulsory vehicle insurance Basic premium (1 floating rate linked to road traffic accidents) (1 floating rate linked to traffic safety violations) But if no compensation accident occurred in the previous year, compulsory traffic insurance can be discounted by 10%.

Commercial insurance Commercial insurance will also implement floating rates based on some factors, one of the most important principles is that if you have more insurance records in the first year, the insurance premium will rise in the second year, and if you have less insurance records, you can enjoy premium discounts. 1) The number of accidents in the previous year is 3 times, up 10 2) The number of accidents in the previous year is 4 times, up 20 3) The number of accidents in the previous year is 5 times or more, and the number of accidents in the previous year is 30 4) The insurance company can refuse to renew the policy.

It costs 4000 yuan.

There is no accident.

The total amount of car insurance for the second year depends on the type of car insurance purchased by the car owner, the amount of insurance, the insurance situation and the city where the car owner is located, and the purchase of the second year car insurance also has a lot to do with the previous year's insurance situation.

Summary. Hello, dear. The spring started smoothly and I am happy to answer for you:

More than 40,000 vehicle insurance** and 170,000 vehicle insurance** are the same because **different premiums** are also different, and then the premium of new energy vehicles will be higher than the premium of fuel vehicles, and new energy vehicles, including pure electric vehicles and plug-in hybrid vehicles, each premium is on average 21% higher than that of gasoline and diesel vehicles.

Why is there as much vehicle insurance as 170,000 vehicle insurance**, and it is the first year of a new car, and the type of insurance bought is also the same as the chain, which is incomprehensible!

Hello, dear. The spring is going well, and I am happy to answer for you: more than 40,000 vehicle insurance** and 170,000 vehicle insurance** are as much as orange chasen because **different premiums** are also different, and then the premiums of new energy vehicles will be higher than the premiums of fuel vehicles, including high-purity electric vehicles and plug-in hybrid vehicles, and the average premium per single is 21% higher than that of gasoline and diesel vehicles.

Hello, they are all gasoline cars, one is BYD F3 gasoline, and the other is Lynk & Co 01 gasoline.

The vehicle ** is 130,000 yuan behind, and there are as many vehicle loss insurances, which is incomprehensible.

Both are gasoline cars, and the same family buys insurance.

Yes, it's all PICC

This must be a mistake by the staff of the People's Insurance Company, the amount is much worse, F3 If the vehicle damage insurance is the same as Lynk & Co, the Wheel Ken type He He must be high, this can be found by the insurance staff to modify it.

When I went to buy a BYD F3, I thought that the price of the car was only more than 40,000, and the insurance was more than 2,000! Compulsory traffic insurance 950, vehicles and ships to make leather use of fiber tax 400 a year, displacement, three more than 2 million 800, car damage is actually more than 1,500, and 170,000 Lynk & Co pure 01 car damage is the same, speechless.

I found it, and she said it was automatically generated by the system.

This and obviously miscalculated, more luck and money, more landing is more line, how to calculate the car damage 1500, the system automatically generated, that can directly not car damage. The first whisper.

Yes, Heng did Huai, and I bought it from a friend at the time, so it's hard to say, and I forcibly bought a 400 driving insurance from my friend, and I bought a 100 yuan driving insurance from Lynk & Co 01, so some things are not easy to do with friends with ordinary relationships.

It's okay, I'm embarrassed to find someone to return, you can surrender the insurance on the PICC website by yourself.

Prepare the owner's ID card, driving license, payment voucher, insurance policy and bank card, and you can go directly to the insurance company's counter to handle it.

Leave one Jiaoqiang, a third party, the others are returned, the money is not blowing in the wind, and your friends are not considered to be friends.

Answer: According to the provisions of the Insurance Law of the People's Republic of China, the cost of the third year of the stool land insurance for a vehicle of 110,000 yuan is: 1,300 yuan for compulsory traffic insurance; vehicle and vessel tax 1,300 yuan; The cost of commercial insurance varies depending on factors such as the nature of the vehicle's disassembly, the age of the driver, the mileage of the vehicle, the time of purchase, and the location of purchase.

Under normal circumstances, the third year insurance cost of a vehicle of 110,000 yuan is about 3,000 yuan, and the specific amount is subject to the actual insurance.

About 6500 yuan.

1. Compulsory traffic insurance is 950 yuan;

2. Commercial insurance is about 5730.

Commercial insurance includes:

Third party liability insurance ($877);

Vehicle loss insurance (1953 yuan), basic premium + naked car**;

Excluding deductible special insurance (566 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 (195 yuan), new car purchase price;

Glass breakage insurance (195 yuan), the purchase price of imported new cars, and the purchase price of domestic new 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 (809 yuan), basic premium + naked car** rate.

Commercial insurance can be purchased according to your own situation, to sum up, 130,000 car full insurance to pay about 6,500 yuan.

Hello. The third party liability claim limit is the insured amount, that is, the maximum limit of the insurer's liability to compensate or pay the insurance money. According to Article 9 of the [2000] No. 16 document of the Insurance Supervision and Development [2000] "Motor Vehicle Jujube Insurance Clause", the maximum compensation limit of each accident of the third-party liability insurance shall be determined according to the selection of different vehicle types

In different regions, the maximum compensation limit for motorcycles and tractors is 20,000 yuan, 50,000 yuan, 100,000 yuan and 200,000 yuan. The maximum compensation limit for other vehicles is divided into six grades: 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan, and the maximum amount can not exceed 10 million yuan.

The calculation of the premium for third party liability insurance has nothing to do with the purchase price of the vehicle, but according to the rate schedule, you can get a fixed rate, and then multiply it by the insurance company's discount to get the final premium amount. Commercial three liability insurance** varies due to different insurance companies and different channels, and the specific amount depends on the grade corresponding to the maximum compensation limit, and the premium also varies from low to high.

Taking an ordinary family car as an example, the insured amount of 500,000 yuan, the fixed rate is 10,000 yuan, and the fixed rate is 2,242 yuan, and then multiplied by the insurance company's discount and corresponding discounts, the difference is only two or three hundred yuan.

Hope mine is helpful to you.