How to buy cheap private car insurance in the second year

Easy Insurance Car Insurance explains how to buy car insurance cheaply for the second year of private cars:

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important. Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs.

However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting. The full name of the so-called deductible insurance is "special liability insurance without deductible".

Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance. The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

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If you buy car insurance in the first year and have not used the insurance for the claim, then the car insurance in the second year will be much less than the first year!

In the case of no insurance, the insurance company pays the discount in the first year, and there is no discount if it is not in the same insurance company.

First of all, the compulsory liability insurance and the use tax are fixed, and the other risks are determined according to the level.

If there is no insurance, the premium will be reduced by 10%, and the insurance premium will be increased.

Hello, there was no insurance in the first year, and it was reduced by 10% in the second year

In the absence of insurance, it will be reduced by 10 points in the second year.

Hello, if there is no insurance, it will be reduced by 10%.

If you don't make a claim, you can get the lowest discount.

If you haven't been out of insurance, you'll get 10 discounts.

1. Compulsory traffic insurance: no insurance in the first year, and the premium will be reduced by 10% in the second year; No insurance for two consecutive years, the premium for the third year will be reduced by 20%; No insurance for three consecutive years, the premium for the fourth year will be reduced by 30%; Up to 30% off.

2. Commercial insurance: no insurance in the first year, the premium in the second year will be reduced by up to 15%; No insurance for two consecutive years, the premium for the third year will be reduced by 30%; No insurance for three consecutive years, the premium will be reduced by 40% in the fourth year; Up to 40% reduction.

If there is no insurance in the first year, the renewal of compulsory traffic insurance in the second year can be discounted by 9% (the premium will drop by 10%), while the commercial auto insurance in Guangdong can be discounted (the premium will be reduced by 15%).

1. Compulsory traffic insurance.

As one of the mandatory car insurance in the state, compulsory traffic insurance is our most basic guarantee. It can give the victim a certain amount of compensation when we have a traffic accident.

At the same time, the compulsory traffic insurance is also uniformly stipulated by the state, according to the different models, the premium is also different, we usually use our family car with less than 6 seats The premium is: 950 yuan a year.

In addition, the payment insurance will also determine whether you are a "good car owner" according to the actual situation of your insurance, and there are rewards and penalties.

If there is no at-fault traffic accident for one consecutive year, the premium is reduced by 10%; 20% reduction in premiums for two consecutive years; If you have 3 consecutive years or more, the premium will be reduced by 30%.

If there was a traffic accident in the previous year that did not involve a fatality, the premium will remain the same; If you do it twice, the premium will increase by 10%; If there has been a at-fault traffic accident involving a fatality in the previous year, then the premium is increased by 30%.

How is the compulsory traffic insurance compensated? Let's continue to look here: [Compulsory Traffic Insurance] Everything you want to know is here!

2. Commercial auto insurance.

Generally speaking, if you don't have insurance in the first year, you can get a discount on commercial auto insurance in the second year (the specific discount depends on the region). At the same time, it should be noted that since different products of different companies may rise or fall in the second year, it is not certain.

But everything is the same, as long as we pay more attention and drive cautiously when driving, we can still "save" a lot of money.

If the driver of a motor vehicle has only one accident a year, the premium for the second year will not be discounted and the original price will be maintained. However, if there are 2 accidents or accidents with the driver, the insurance premium will be increased by %. If more than 5 accidents occur in a year, the premium will be doubled.

On the contrary, if there is no accident for one year, the premium can be discounted by 85%, 20% discount after two years, and 60% discount for three consecutive years. Car insurance1. If a motor vehicle has an accident, it means that the premium of the next cycle will not enjoy the preferential policy. For example, the insurance premium is 4000MetaThe insurance company will take out the insurance once a year, that is, the insurance premium for the next cycle is 4,000 yuan.

2. If more than 5 accidents occur in a year, it means that the insurance cost of the next cycle will be **100%. For example, if the premium for the first year of car insurance is $4,000 per year, the premium for the next cycle is $4,000 + $4,000 = $8,000.

3. If there are four accidents in a year, the premium may rise to 75% for the next cycle. Assuming the premium for the first year is $3,000, the premium for the next cycle is $3,000 + $3,000 * 75% = $4,500.

The calculation of car insurance in the second year is related to whether there is an accident in the first year, and the number of accidents, of course, this refers to the same insurance company and the same vehicle license plate, at the same time, other types of insurance of the vehicle will also reduce the premium with the depreciation of your vehicle and the reduction of the value of the body. In general, the premium for the second year of car insurance should be a little cheaper than the previous year. First of all, the types of insurance calculated for the second year of car insurance include compulsory dismantling insurance, commercial insurance, and vehicle and vessel tax.

Secondly, in addition to the fixed vehicle and vessel tax, which is based on the tax standard for the use of vehicles and vessels in various places, the rest of the compulsory traffic insurance and commercial insurance are generally related to the first year of vehicle insurance. Let's talk about the compulsory traffic insurance first, if the compulsory traffic insurance of the vehicle in the second year** is not out of insurance in the first year, it can be reduced by 10%. Let's look at commercial insurance.

It includes a wide range of coverage, and most car owners will not continue to purchase full coverage in the second year due to practical and financial conditions. However, car damage insurance and third party liability insurance are required, with deductible insurance attached. In addition, car owners can also choose to take out theft insurance or vehicle scratch insurance according to their needs.

Among them, the insured amount of vehicle loss insurance is determined according to the reference price of new cars in the market, and the insured amount of the whole vehicle theft insurance is the reference price of new cars in the market and multiplied by a certain depreciation coefficient according to the age of the vehicle. Due to the large number of insurance types, the calculation of commercial insurance is also the most complicated in the calculation of motor insurance in the second year. If the first year of the vehicle insurance claim, to see the amount of the claim, should not be higher than the premium you paid, if the claim exceeds the premium paid during the year, there is no discount in the second year, the compulsory insurance is to see whether there is an accident for both parties during the insurance period, unilateral accidents, no compulsory insurance claims.

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

1. The car insurance for the second year is a total of 880 yuan

1. First of all, the compulsory traffic insurance** in the second year will change, if the vehicle does not have a traffic accident in the first year, the compulsory traffic insurance** will be reduced by 10%; If there is a responsible road traffic accident that does not involve death in the first year, the compulsory traffic insurance will not be floated;

2. If there are two or more road traffic accidents in the first year, the compulsory traffic insurance will be increased by 10%; If a road traffic fatality accident occurs in the first year, the compulsory traffic insurance will be increased by 30%;

3. Secondly, the second year of commercial insurance will also change, it is understood that most insurance companies will briefly introduce the floating formula of commercial insurance in the insurance terms, under normal circumstances, the second year's commercial insurance ** is mainly based on the previous year's insurance record to float, in addition, it will also take into account the owner's driving skills, whether to designate the driver, whether to designate the driving area, etc.

2. Specific standards for car insurance costs

Commercial insurance is not discounted on the basis of the first insured amount, but the insurance company will give a corresponding discount according to its own benchmark fee, and this benchmark fee is different every year, so the discount enjoyed is not the same, it is very likely that even if there is no insurance in the previous year, the renewal cost of the next year will be higher than last year. For example, the car owner's benchmark fee in the previous year was 2071 yuan, and in the case of no insurance, the second year renewal enjoyed a 7% discount, but if the insurance company's benchmark fee was raised when the third year was renewed, even if the same could enjoy a 7% discount, but the renewal cost was higher than the previous year. In other words, under the premise of the same insurance, the renewal cost does not decrease year by year, but mainly depends on the benchmark fee set by the insurance company internally.

Of course, the less insurance you have, the more benefits you can enjoy, but if you insist on going private after a traffic accident in order to enjoy more benefits when you renew your policy in the next year, it is guaranteed"No stains"It's not a good idea, after all, if it's just a small car insurance claim once or twice a year, the discount won't be affected.

The analysis is as follows: 1. Buying car insurance in the second year belongs to car insurance renewal, at this time, it should be noted that the renewal should be timely, look at your first year policy, clarify the expiration time of the insurance, and do not miss the deadline.

2. The "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" stipulates that when renewing car insurance, compulsory traffic insurance is still insured, which is a compulsory insurance and must be bought.

3. According to the "Road Traffic Safety Law of the People's Republic of China", in commercial auto insurance, third-party liability insurance must be insured, and it must be fully insured, especially in large and medium-sized cities, and the insurance amount should not be less than 500,000.

4. According to the "Insurance Law of the People's Republic of China", you need to buy car damage insurance, which must be passed through many cars on the road now, and accidents are easy to occur, and the loss can be passed on to the insurance company by insuring car damage insurance.

5. If the parking location is relatively safe, theft insurance can be considered as appropriate, and it can not be insured.

The main insurance is divided into car damage insurance, theft insurance, third party liability insurance and vehicle occupant liability insurance. Additional insurance includes scratch insurance, spontaneous combustion insurance, glass breakage insurance and special engine damage insurance. Glass insurance is recommended, because 35% of the whole car is glass.

It's quite cost-effective to buy car insurance in the second year:1. Some insurance companies and salespeople in 4S stores will try to make more profits, which is the surest way to trick car owners into buying "all risks", especially for timid new drivers.

2.Moreover, when they say "all-in-one", they are not buying all-car insurance. Most of them only include:

Compulsory traffic insurance, car damage insurance, third party liability insurance, vehicle personnel liability insurance, no deductible, theft insurance, scratch insurance, spontaneous combustion insurance, glass insurance; Pi years 3Even for new car drivers, there is no need to buy a lot of car insurance.

How to buy the most cost-effective car insurance in the second year: you should buy compulsory traffic insurance. It is recommended to purchase car damage insurance and third-party insurance, which are the main insurance in commercial insurance, providing the most basic protection for cars and people.

Purchase additional riders as appropriate. Generally, the most commonly purchased additional insurance includes glass breakage insurance, scratch insurance, theft insurance, deductible insurance, on-board liability insurance and other insurances. If the value of a new car or car is higher, these types of insurance will generally be available.

Article 2 of the "Compulsory Insurance for Motor Vehicle Traffic Accident Liability" The owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall purchase compulsory insurance for traffic accident liability of motor vehicles 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 traffic accidents involving motor vehicles that disturb limbs.