Ping An Auto Insurance of China, reported twice a year, how much does it cost to buy insurance in th

Hello! According to the new policy of car insurance premiums, if the vehicle is insured twice in the policy year, the premium will increase by 25% in the second year. That is to say, if you apply for Ping An car insurance twice a year, if the basic premium for renewal is 5,000 yuan, then it will have to rise by 25%, that is, 5,000 * (1 25%) = 6,250 yuan, which is 1,250 yuan more expensive than the original.

However, Ping An Auto Insurance of China will launch some preferential activities according to various factors, and it also needs to be cheaper. If you apply for insurance on the official website of Ping An Auto Insurance, or ** insurance, you can get 15% cheaper; If you apply for insurance through its partner Huize.com, you can not only get a discount of at least 15%, but also get a full claim assistance service.

Hello, the Pacific was still discounted twice last year, and it began to be raised after more than three times, so the car insurance in the Pacific is the cheapest, ye!

What you said is not specific, how much is the amount of each insurance, whether it is a strong traffic or a business, it all matters, please say the specific point.

Generally speaking, if the car has been claimed, the premium for the next year will be increased by 10%.

The new rate for the second trip is 125% of the previous year

It won't be much more expensive, so let's get a 10% discount on the original price.

Hello, can you be specific?

When did you get your car insurance?

Ping An car insurance is insured once, and the premium for the second year will not be **, but will only keep the cost of the first year unchanged. This applies to compulsory traffic insurance and commercial auto insurance, as long as the insurance is out once, the premium discount for the second year will be cancelled. The cost of car insurance for the second year is the same as the cost for the first year, and if there are two or more accidents, the premium of compulsory traffic insurance or commercial insurance will be increased.

Extended information: First of all, once in a year, is a relatively small number of accidents, if the insurance company's compensation is not very high, then the insurance company will not increase the insurance cost under normal circumstances. Secondly, insurance companies also want to retain customers.

If the premium is increased without causing a huge loss after just one accident, then the customer may be able to purchase insurance from other insurance companies.

Under normal circumstances, insurance companies will not increase the cost of insurance, unless the amount of compensation in the previous year is too high, I hope that all car owners can drive safely.

For compulsory liability insurance, the rate fluctuation factors and ratios are as follows:

1. There was no road traffic accident in the previous year - 10%.

2. There was no road traffic accident in the last two years - 20%.

3. No road traffic accidents in the last three or more years - 30%.

4. 0% of a road traffic accident that does not involve death in the previous year

5. 10% of road traffic accidents with two or more accidents in the previous year

6. 30% of the road traffic fatalities occurred in the previous year

The final premium of compulsory liability insurance is calculated as follows: final premium of compulsory liability insurance = basic premium of compulsory liability insurance (1 + floating rate a linked to road traffic accidents). That is to say, if there is an insurance in the previous year, there is no discount, and how much is the compulsory traffic insurance paid for the first time, then how much will be paid in the second year after the insurance once.

For commercial insurance, there are two types:

The first type: it will not rise or fall, which is the same as the situation of compulsory traffic insurance. Because commercial insurance does not touch the lowest line of the insurance company, the insurance company will also give a lot of discounts to the car owner, so it will not **.

The second type: insurance companies are actually the same as most companies, that is, to attract or retain more customers, and will not selectively increase the price, but will not rise or slightly decline to trap customers. And most insurance companies do this now, so the next year's premium won't**.

Of course, the specific situation should still take the preferential treatment of insurance companies in the region as an example, even if it is the same insurance company, but the insurance companies in different regions have different preferential strength. The main thing is to focus on local insurance company activities or discounts.

As long as Ping An has one insurance, the compulsory traffic insurance is not a major accident in the second year, and the commercial insurance has directly increased by 40%. Peace is amazing, quack, terrible.

1.If the customer has 1 insurance trip in one year, and the compensation amount is less than 80% of the insurance premium, then the second year's premium can be discounted by 7%. 2.

If the customer has 2 insurance trips in one year, and the compensation amount is less than 80% of the insurance premium, the second year's premium can be discounted. 3.If the customer has 3 accidents in one year, the premium will increase by 10% in the second year, and the insurance will not be covered without deductible.

4.If the customer has 4 or more accidents in a year, the premium will have more room to rise, up to 30%, excluding deductibles and car damage insurance. In other words, most commercial insurance companies on the market will refuse to insure you, and if you want to buy insurance, you may have to ask an acquaintance to find a relationship.

If you buy a new car in the first year, it will be more than 7,000, then it will only be about 5,000 in the second year, and if you buy it in the middle, it will rise from more than 7,000 to more than 8,000. Commercial Insurance: No insurance for three consecutive years:

Fold, no insurance for two consecutive years: fold, no insurance for one year: fold, 1 time out of the previous year:

Fold, 2 times out of risk last year: fold, 3 times out of risk last year: floating, 4 times out of risk last year:

Floating, 5 times out of danger last year: floating.

If the premium of the second year of commercial insurance does not reach 10% of the premium once, it still enjoys a 30% discount, if it has two or more times and does not reach 50% of the premium, it will enjoy a 15% discount, if it exceeds 50% of the premium for more than three times, it will not reach 100% of the premium, and if it exceeds 100% of the premium, the commercial insurance will be denied insurance.

1. The final premium of compulsory liability insurance = the basic premium of compulsory liability insurance (1 + floating rate linked to road traffic accidents).

The floating rate is calculated as follows:

a) If there were no road traffic accidents for which there was a liability in the previous year, the floating rate would be reduced by 10 per cent;

b) In the case of a road traffic accident in the previous year for which a person was responsible but did not involve a fatality, the floating rate is 0;

c) In the case of two road traffic accidents in the previous year that were responsible but did not involve fatalities, the floating rate is 10%;

d) In the case of a traffic fatality attributable to a liable accident in the previous year, the floating rate is 30%.

2. Car damage insurance premium = basic insurance premium + insured amount rate.

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

4. Theft insurance premium = actual value of the car rate.

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

6. Glass breakage insurance premium = new car purchase price.

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

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

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

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

Due to the reform of car insurance in 2016, the second year premium of the car insurance** table is directly proportional to the number of car insurance trips, which means that the more trips, the higher the premium

1) 1 time insurance, the premium is not discounted;

2) 2 times of insurance, the premium will increase by 25%;

3) 3 times of insurance, 50% increase;

4) 4 times of insurance, up 75%;

5) 5 times of insurance, the premium is doubled.

There is a discount for one year, a 7% discount for two years, and a 6% discount for three years. There are the following rules for speeding at a red light:

1) Run the red light 3 times, the insurance rate will be increased by 5%;

2) Run a red light 4 times and increase 10%;

3) Running a red light 5 times or more, up to 15%;

4) Speeding (less than 50%) 3 times, the insurance rate will be increased by 5%;

5) 10% increase for 4 times and 15% increase for 5 times or more speeding (less than 50%);

6) If you exceed the speed limit (more than 50%) for 1 time or more, the insurance rate will increase by 15%.

However, the rules of the renewal company are different in each city, and the insurance will not be denied if the insurance amount is high, but as long as the number of times is not much, the premium should not increase.

If you go out of the insurance once, the premium will not rise, and the compulsory insurance will pay once, and the standard fee of the compulsory insurance will not be discounted. Commercial insurance pays once, and commercial insurance is about a discount. Calculated separately. It's the same for all insurance companies. There is no discount for the second year of two accidents, and the insurance is increased for three times.

Whether it is increased or not is related to the number of times, not the amount of claims.

If the insurance is not a third party**, the premium for the second year is the same as the premium for the first year (new car).

If you want to know more about insurance, please send me a private message.

Ping An car insurance, the new car is insured once in the second year, and the premium will not rise in the third year. If it is only a one-time accident, the premium will not rise, but there will be no discount, and you can calculate it according to the repair amount of the bumper. According to the regulations, if there is no road traffic accident in the previous year, the compulsory traffic insurance will be reduced by 10%; It has not occurred for two consecutive years, down 20%; If it does not occur for three consecutive years or more, it will be reduced by 30%.

1. Floating premium of compulsory liability insurance:

1. If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount

2. If there is no traffic accident in the first two years, a copy of the policy of the previous year (10% discount confirmed in the previous year) - 20% discount

3. If there is no traffic accident in the first three years, provide a copy of the policy of the previous year (the discount of 20% confirmed in the previous year) - 30% discount

4. First time insured or one traffic accident (no death) in the previous year - base premium.

5. Two or more traffic accidents (no fatalities) in the previous year - 10% additional fee

6. In the event of a traffic fatality accident in the previous year--- 30% will be added

The final formula is as follows: Final Premium = Basic Premium (1 + Floating Ratio Linked to Road Traffic Accidents) (1 + Floating Ratio Associated with Traffic Safety Offences).

Question 1: Many riders have reported that although their new cars have been cared for, they still have accidents, so is it cost-effective to take risks with new cars?

If it is commercial insurance, it is generally cost-effective to go out of insurance for more than 500 yuan, because the insurance is only the premium of the second year, and even if the premium of the second year is not out of insurance, it will drop by a few hundred yuan, and it is only cheaper by more than 1,000 yuan if there is no insurance for three consecutive years. If it is compulsory insurance, it is more cost-effective to take out the insurance if it exceeds 500 yuan, because the premium of compulsory traffic insurance is not much, and how to rise or fall is a range of several hundred yuan.

Question 2: How much will the premium increase in the first year and the second year?

Under normal circumstances, for traffic accidents where there is no fatality, the premium of car insurance is the same for one accident. If the insurance is not insured, the premium is reduced; If the insurance is insured 2 times or more, the premium will increase.

Legal basis] According to Article 8 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the insured motor vehicle has not committed 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.

More than 5,000 in the first year, no risk. More than 3,000 in the second year, if it is during this period, there is an accident! Then in the third year, it is still more than 5,000!

If the compulsory traffic insurance is used in the insurance, then the compulsory traffic insurance will return to the first purchase, and the car with 5 seats and below is 855 in the second year, and it will return to 950.

Commercial insurance has increased, but the increase is not large.

Summary. Hello, once out of insurance, there is no increase in premiums, but there is no discount. 1.

In the event of a traffic accident involving death in the previous year, the premium remains unchanged. If there are 2 or more car insurance accidents, the premium for the next year will be **10%; In the event of a fatality event, the next year's premium will be 30%**. A one-time vehicle accident will not have much impact on the commercial insurance rate.

Generally, if you have a non-liability traffic accident in the previous year, the premium will not change much in the second year, but if you have enjoyed a car insurance discount before, you may not be able to continue to enjoy it in the second year, and the discount will be reduced. As with compulsory insurance, the more times you go out of business, the more expensive the premium will be for the second year. Commercial insurance is not mandatory, ** is mainly determined by each insurance company and is calculated as follows:

Commercial Insurance Discount Coefficient = No Compensation Preferential Treatment Coefficient (NCD Coefficient) * Autonomous Underwriting Coefficient * Autonomous Channel Coefficient * Traffic Violation Coefficient, I wish you a happy life.

How much does motor vehicle safety insurance report once and how much it will rise in the second year.

Hello, once out of insurance, there is no increase in premiums, but there is no discount. 1.In the event of a traffic accident involving death in the previous year, the premium remains unchanged.

If there are 2 or more car insurance accidents, the premium for the next year will be **10%; In the event of a fatality event, the next year's premium will be 30%**. A one-time vehicle accident will not have much impact on the commercial insurance rate. Generally, if you have a non-liability traffic accident in the previous year, the premium will not change much in the second year, but if you have enjoyed a car insurance discount before, you may not be able to continue to enjoy it in the second year, and the discount will be reduced.

As with compulsory insurance, the more times you go out of business, the more expensive the premium will be for the second year. Commercial insurance is not compulsory insurance, ** is mainly determined by each insurance company, and the calculation formula is as follows: commercial insurance discount coefficient = no compensation preferential coefficient (NCD coefficient) * independent underwriting coefficient * independent channel coefficient * traffic violation coefficient I wish you a happy life.

Is there anything else I can do to help you?