How to calculate the car insurance money, how to calculate the insurance cost of the car

Vehicle insurance includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a type of insurance that is compulsory to purchase by national law, and the national unified first-year basis**, 950 yuan for private cars with less than 6 seats, and the subsequent premiums are linked to traffic violations to float. Commercial insurance includes basic insurance and additional insurance such as three-party liability insurance, car damage insurance, theft insurance, and deductible insurance.

Therefore, the premiums of different commercial insurance companies will definitely be different.

If you want to be fully protected, in addition to compulsory traffic insurance, you will generally insure several main insurances, mainly vehicle loss insurance, third-party liability insurance, theft insurance and vehicle personnel liability insurance. How much does it cost to buy car insurance in a year? Car damage insurance is generally based on the purchase price of the new car to calculate the premium comparison insurance, taking a vehicle of 100,000 yuan as an example, the car damage insurance** is about 1,500 yuan.

The premium of the three liability insurance ** depends on the amount of insurance chosen by the car owner, ranging from 50,000 to 1 million, and it is recommended to choose the three liability insurance with an insurance amount of 200,000 to 500,000, and the cost is more than 1,000 yuan.

Theft insurance is calculated according to the proportion of car damage insurance, and under normal circumstances, the insurance rate of theft insurance is not very high, so if it is not a model that is easy to lose, you can not buy it at all, and you can save some premiums. The on-board personnel liability insurance is insured according to the number of insured seats, the number of seats is insured at 10,000, **100 yuan, and the cost of buying 5 seats on the bus personnel liability insurance is about 500 under normal circumstances. After choosing the basic insurance, several additional insurances will be added according to personal circumstances, and the combined premium of these types of insurance will be about 5,000 yuan a year.

How much does it cost to buy car insurance in a year? Of course, the more types of insurance you buy, the more car insurance premiums you will spend, and you can choose according to your actual situation, and some types of insurance can be completely avoided. The more expensive the purchase price of a new car, the higher the cost of car insurance, and if it is a luxury car, some car owners have recently reported that it will be more difficult to insure.

After all, luxury car insurance companies take a lot of risk, and many companies are reluctant to underwrite them. Secondly, another factor that affects the premium of car insurance, online car insurance and telemarketing car insurance** cheap, commercial car insurance can save about 15% of the premium, in the 4S store or looking for insurance ** people to buy car insurance will be slightly more expensive.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Compulsory traffic insurance is compulsory, and when you apply for car insurance in the first year, it is fixed, 950 yuan. Commercial insurance includes car damage insurance, theft insurance, three liability insurance, vehicle personnel liability insurance, etc. For car damage insurance, the insured amount is the value of the motor vehicle, which is generally about 1,000 yuan.

Theft insurance, related to the value of the vehicle, generally costs about 1,000 yuan. The third liability insurance is the third-party liability insurance, and the cost is 1,000 yuan.

How to calculate car insurance premiums:

1. The final premium of compulsory traffic insurance = the basic insurance premium of compulsory traffic insurance (1 + floating rate a associated with road traffic accidents) (1 + floating rate v linked to road traffic safety violations), the basic rate of compulsory traffic insurance premium is divided into 42 types, and the insurance rates of 42 sub-categories of vehicles in eight categories, such as family self-use vehicles, non-business buses, business buses, non-business trucks, business trucks, special vehicles, motorcycles and tractors, are different. However, for the same model, the implementation of the national unity**. For ordinary private cars with less than 6 seats, the fixed premium for the first year is 950 yuan;

2. What is the basis for the floating insurance rate of compulsory traffic insurance? If there is no road traffic accident in a policy year, the premium of compulsory traffic insurance can be reduced by 10%; If it does not appear for two years, it will be reduced by 20%; If it does not appear for three years, it can decline; , up to 7% off. On the contrary, the rate of compulsory traffic insurance rises with the number of accidents. In the case of two occurrences in a policy year, the compulsory liability insurance rate increases by 10% and by 30% in the event of a liability** event.

In addition, the compulsory traffic insurance rate for each drunk driving violation is controlled at 10%-15%, and the compulsory traffic insurance rate for drunk driving violation is controlled at 20%-30%, and the cumulative increase shall not exceed 60%. The specific standard for floating is to be determined by each locality in light of actual conditions.

Car insurance is a must for every car owner, and now there are more and more types of car insurance on the market, how much do you know about car insurance? Today I will introduce to you how the insurance premium of the car is calculated, and if you don't know, take a look!

The composition of the vehicle loss insurance premium is: vehicle loss insurance premium = basic insurance premium + insurance amount x rate (%) motor vehicle insurance rate table is formulated by the Insurance Association of China on the commercial auto insurance industry premium collection guidelines, the full name is the "motor vehicle commercial insurance limb industry basic rate table". It is divided into three paragraphs: A, B, and C, and there is little difference between the terms, and each insurance company can choose one to implement.

The motor vehicle insurance rate table makes specific provisions on the calculation standards of all commercial insurance types, including four basic insurances and more than 10 additional insurances, and clearly defines the benchmark premiums, rate coefficients and other elements according to the different situations of each region. Each insurance company can calculate the specific amount of the benchmark premium according to the motor vehicle insurance rate table, and then decide the range of preferential treatment according to the company's decision-making; Interested car owners can also calculate the corresponding premium expenses based on this, and then compare the ** of each insurance company horizontally on this benchmark.

In the automobile insurance business, motor vehicles are divided into passenger cars, trucks, trailers, tank trucks (including fuel tankers, gas tankers, liquid tankers, refrigerated trucks), special vehicles, motorcycles, tractors and other types, as well as domestic and imported two categories, respectively, with different insurance rates.

The calculation of car insurance premiums is mainly based on whether the motor vehicle has committed road traffic safety violations and road traffic accidents, and the insurance premium will be reduced to the minimum standard if it does not occur or occurs less, and the insurance premium will increase until the maximum standard if it occurs or occurs more.

[Legal basis].Article 8 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If the insured motor vehicle has not been involved in 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, insurance companies shall increase the range of their 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.

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

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

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

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.

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

7. The premium of on-board liability insurance = the compensation limit rate of this insurance.

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

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

As the main means of transportation in our country, the automobile has entered our lives faster and faster in our country. While we enjoy this speed and convenience, we also need to do a certain amount of protection for the car. How is the calculation formula of car insurance calculated, I will give you a detailed answer below.

1. Calculation method of car insurance:

1) Car damage insurance: the car price is 0 9 basic premium (342 yuan).

2) Third-party liability insurance: 200,000 yuan for insurance claims, with a fixed premium of 952 yuan.

3) Seat personnel insurance: 10,000 yuan per seat, 10,000 0 29 seats

4) Full car theft insurance: the price of the car is 0 42

5) Glass Breakage Insurance: Car price 0 12

6) Car damage insurance does not include deductible: car damage insurance premium 15

7) Third party deductible: Third party liability insurance premium15

8) Compulsory traffic insurance: 950 yuan.

2. Calculation method of car insurance premium:

1) Car damage insurance: 115800 0 9 basic premium (342 yuan) 1384 2 yuan.

2) Third-party liability insurance: 200,000 yuan for insurance claims, fixed premiums of 952 yuan, 952 yuan.

3) Seat insurance on the bus: 10,000 yuan per seat, 10,000 0 29 5 (seat) 145 yuan.

4) Whole car theft insurance: 115,800 yuan 0 42 486 36 yuan.

5) Glass damage insurance: 115,800 yuan 0 12,138 96 yuan.

6) Car damage insurance does not include deductible: car damage insurance premium 1384 2 yuan 15 207 63 yuan.

7) The third party does not calculate the deductible: the third party liability insurance premium is 952 yuan 15 142 8 yuan.

8) Compulsory traffic insurance: 950 yuan.

9) Total premium: compulsory traffic insurance, commercial insurance, 950 yuan (1384 2 yuan, 952 yuan, 145 yuan, 486 36 yuan, 138 96 yuan, 207 63 yuan, 142 8 yuan) 4406 95 yuan.

The amount of insurance paid varies depending on the vehicle involved. China has a strong management system for automobile insurance, which is to prevent the indiscriminate collection and misuse of automobile insurance premiums. The specific costs are explained above, and you can purchase and use them accordingly according to your own needs.

Protect your legitimate rights and interests from being undermined.