Is the compulsory traffic insurance the same every year, and is the car compulsory insurance the sam

The premium of compulsory liability insurance is not fixed every year, and the compulsory liability insurance adopts a floating mechanism that is linked to the number of accidents of the vehicle.

The premium for the first year is unified across the country, as long as it is the same model, whether it is the first year's premium is the same, but the compulsory insurance in the second year should be calculated according to the floating mechanism of compulsory insurance.

If there is no insurance in a policy year, the compulsory insurance premium can be reduced by 10%; No insurance for two years, down by 20; If you don't take out insurance for three years, reduce it by 30, and so on, and you can enjoy the most preferential compulsory insurance premiums without insurance.

Conversely, the more times the insurance is more expensive, if there are two accidents in a policy year, the compulsory insurance rate will increase by 10, and in the event of a ** accident, it will increase by 30.

In addition, the premium of compulsory traffic insurance is also linked to drunk driving, and every time there is a drunk driving violation, the premium will rise by 10 15, and drunk driving will be more serious, and the compulsory traffic insurance rate will rise by 20 30, and the cumulative rate will not exceed 60.

Yes, every day, and definitely to buy.

Precautions for buying compulsory insurance:

When you buy it, it depends on whether you are a new car or an old car. If you buy a new car, you will be reminded to buy compulsory traffic insurance at the time of purchase, and of course, there will be a one-month grace period for the new car without a license plate (in addition to 100% responsibility for the accident, the owner will also have to add the insurance amount). If the old car or the transfer is carried out, it depends on the date of his license, which is generally purchased one month before (the compensation caused by the traffic accident that occurred after the early purchase is compensated from the insurance amount in the previous year, and the premium will not increase).

In addition, he enjoys a certain floating ratio of compulsory traffic insurance, there is no record of any road safety accidents throughout the year, and it can be discounted by 10% in the next year, and if it is still safe and there are no other road safety accidents in the second year, it can be discounted by 20% in the third year, and if it has been safe, it has been able to enjoy a discount of 20% for longs. Once the record occurs in the middle, the next year is still the full purchase, which is currently 950 yuan per year, and if the record occurs again in the second year, it will rise by 10%, and so on.

No insurance, 10% discount per year, after the fourth year** will not change.

No, there will be less insurance in a year than a year, such as 950 for new car renewal, 850 for the second year, 760 for the third year, and 650 for the fourth year.

Compulsory liability insurance is not the same every year, except that the cost is fixed in the first year, and there will be a certain fluctuation in the later renewal**.

Compulsory insurance rates.

A double hook is implemented based on the vehicle's history.

mechanism, where there is a record of accident or drunk driving and other illegal driving behaviors, the next year's compulsory traffic insurance rate will rise slightly, and the vehicle with a good record can enjoy a relatively certain preferential rate when renewing the insurance. The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is issued by the insurance company to the insured motor vehicle for road traffic accidents.

Compulsory liability insurance for the personal and property losses of the victim (excluding the vehicle personnel and the insured) shall be compensated 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".

The amount of compulsory car insurance may not be the same every year, mainly depending on the insurance status of the vehicle. That is, if there are multiple accidents in the following year, the premium of compulsory traffic insurance will rise; If there is no insurance, the premium will fall.

According to Article 8 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the insured motor vehicle does not have any road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the following year. In the following years, if the insured motor vehicle still does not have road traffic safety violations or road traffic accidents, the insurance company shall continue to reduce its insurance premium up to the minimum standard.

If the insured motor vehicle is involved in a road traffic safety violation or road traffic accident, the insurance company shall increase its insurance premium rate in the following year. In the event of multiple road traffic safety violations, road traffic accidents, or major road traffic accidents, the insurance company shall increase the extent of its insurance premiums. If the insured is not at fault in a road traffic accident, the insurance rate shall not be increased.

The standards for reducing or increasing insurance premiums shall be formulated by the insurance regulatory authority in conjunction with the public security department.

Other provisions on compulsory liability insurance.

Article 13 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability When signing a compulsory insurance contract for motor vehicle traffic accident liability, the policyholder shall not request the insurance company to attach other conditions in addition to the insurance terms and insurance rates. When signing a compulsory insurance contract for motor vehicle traffic accident liability, the insurance company shall not compel the policyholder to conclude a commercial insurance contract or put forward other requirements for attaching other conditions.

Article 14 An insurance company shall not terminate a compulsory insurance contract for liability for motor vehicle traffic accidents; However, the policyholder fails to fulfill the obligation to truthfully inform important matters. If the policyholder fails to perform the obligation of truthfully informing of important matters, the insurance company shall notify the policyholder in writing before terminating the contract, and the policyholder shall perform the obligation of truthful notification within 5 days from the date of receipt of the notice; If the policyholder fulfills the obligation of truthful notification within the above-mentioned time limit, the insurance company shall not terminate the contract.

The above content refers to China**.com - Decision on Amending the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

You should be a car bought with a loan for three years, and the three-year insurance premium you pay at one time should be the commercial insurance premium and the first year's compulsory insurance premium. According to national regulations, compulsory traffic insurance needs to be underwritten every year, and it is not possible to buy compulsory traffic insurance for many years at a time. Therefore, you should also have to buy compulsory traffic insurance, compulsory traffic insurance is statutory insurance, there is no compulsory traffic insurance, the traffic police department does not give the car inspection, and the vehicle cannot go on the road.

Otherwise, the traffic police have the right to impose a maximum penalty of 2,000 yuan on you and detain the car until you buy compulsory traffic insurance. There is a discount for the first year of compulsory traffic insurance, and when the second year is guaranteed, if there is no compensation (insured accident) in the previous year, there is a 10% discount for no accident in the previous year, a 20% discount for no accident in two years, and a 30% discount if there is no accident in Changchang for three years and aboveUp to 30% off

If your car is a private car 5-seater sedan, the first year's premium is 950 yuan, and 885 yuan for one year without accidents. In addition, when paying compulsory insurance, the insurance company collects the vehicle and vessel use tax, which is 480 yuan a year for a general private car. If your compulsory traffic insurance has expired, you will be charged a late fee for vehicle and vessel tax, which will be more than 2 dimes a day.

1. Do I have to pay compulsory traffic insurance every year?

1. Compulsory traffic insurance must be paid every year, if it is a new car purchased, it must be purchased immediately after the new car, if it is an old car, it is necessary to buy compulsory traffic insurance immediately, because as long as the vehicle on the road does not have compulsory traffic insurance, it is found to be fined double the amount, and at the same time, it is mandatory to purchase compulsory traffic insurance. There is also no compulsory traffic insurance, and the vehicle management office will not give car inspection.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Second, how to pay compulsory insurance.

The methods of compulsory liability insurance are as follows:

When buying a car, the owner can directly purchase the compulsory traffic insurance of the car and authorize the 4S store to help pay the insurance;

2. For purchase at outlets, the owner should bring his ID card, driving license and other materials to the counter of the insurance company for manual payment;

Compulsory traffic insurance must be paid every year. If it is a new car, you must buy it immediately after buying a new car, and you can buy compulsory traffic insurance at the 4S store when you buy a car. If it is an old car, it can be renewed according to the deadline of the previous year's compulsory traffic insurance, because as long as the vehicle on the road does not have compulsory traffic insurance, it will be fined twice as much if it is found, and it is also mandatory to purchase compulsory traffic insurance.

According to the relevant laws and regulations, the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.