The price of car insurance for the second year is not out of the way? 190

There is no problem, the first year is not out of insurance, and the second year will be discounted on the original basis. Here are two opinions: 1. You can buy a body scratch insurance, which is very useful, if the vehicle is maliciously scratched when parked, the insurance company can pay for it; 2. There is no need to buy vehicle theft insurance, because it is very troublesome to pay and requires a lot of requirements.

90 days after the loss, the criminal investigation department of the public security at or above the county level will file a case, and so on.

In the case of vehicle insurance, when there is no insurance in the first year, the insurance will be continued in the second year. Insurance rates will go down.

To tell the truth, it is not recommended to buy earth insurance, I am the first time to buy earth insurance, cheaper than the people's insurance Ping An Pacific, ** than a large company to rebate a few hundred yuan and send an additional maintenance, think about their own driving more careful, did not have any accidents to buy, but the problem came out, insurance rebates 1 and a half months to get, the original said 2 weeks, from close to the fourth week found that the rebate did not arrive in the account began to urge the insurance officer, until 2 months to get, hehe, followed by a small maintenance, let me advance money and then reimbursement,As a result, it hasn't come down for 3 weeks.。。。 Immediately this is the fourth week, I don't know how.

The previous rebate was directly in place, I didn't bother about this, and now the rebate reimbursement is in this situation, I don't know what the accident is, it's always good, but at present, it's really bad from the top of the job.

ps: If you can't pay for the four-week maintenance, you will be directly blacklisted, and people around you will never recommend this company. (Especially the insurance officer, when I didn't buy insurance, all kinds of brothers, all kinds of ** condolences, the result of rebates, reimbursement is directly the master, you don't look for him, he doesn't reply, even if you promise to reply, you still need to find him.)

Hehe, I don't know why such a company is still good. ）

If there is no insurance, the insurance will be lowered in the second year.

**It's quite appropriate, I personally think that if the usual parking environment is good, such as a fixed parking space, you can not buy glass insurance, theft is not necessary, southern cities can buy wading insurance, the north is not necessary, and the compensation conditions for wading insurance are very strict, so it is really a bit chicken.

After buying a car, you will definitely have to be insured if you drive normally, whether it is compulsory traffic insurance or something else, not the compulsory insurance. There are benefits, and you can't be wrong with that. Because you don't have a traffic accident, it's easy to say, but if a traffic accident really happens, then you may have to pay tens of thousands of yuan, hundreds of thousands, and more than 100 yuan will cost thousands of yuan.

That's calculated according to the average price, you can spend as much as others spend, which is not particular, but if it is the second year, he will decide how much you want to spend according to the performance of this insurance in your first year. One way to say that if you drive safely, people have not had an accident after driving for 10 years, then you say that the insurance that people buy will fall after the **. Because the insurance company determined that the person was driving very safelyHis technology is very mature, and the possibility of danger is relatively low, so he can provide him with a more complete service with a lower **.

Because it's not easy for people to drive, basically nothing will happen when something happens, people spend 2,000 yuan to buy this accident insurance, the insurance company may be a net profit, and the real money is relatively small, but if you have an accident in the first year, it means that you buy insurance, and then you crash, you spend 5,000 yuan to buy this insurance, the insurance company may pay you 15,000, and you have to buy it in the second year. After a crash, there is an insurance company to pay, and it is good to have an insurance company to deal with it. But you are very smart, the insurance company is not stupid, you have an accident in the first year, who can guarantee that you will not be in the second year?

Since the probability of making money has decreased, the first year of insurance will increase in the second year**, and the increase rate will be determined according to the amount of your insurance in the first year. If it is a small hanging position of a few hundred dollars and a few thousand dollars, it may rise by about 10%, but if it is a big accident, you have to buy it on the second day, it may rise a lot, which has to be decided according to your personal risk situation in the second yearWe personally don't want to have an accident, but since it becomes a traffic accident, it is something we didn't expect, and we can't help it.

In the first year, there was no insurance, the second year's compulsory traffic insurance was reduced by 10%, the second year's commercial insurance premium was discounted, the two years without insurance were discounted by 7%, and the three years without insurance were discounted by 6%. If you go out of the insurance once, the premium will not be discounted. 2 accidents, the premium increased by 25%.

3 times of insurance, the premium will increase by 50%. 4 times of insurance, the premium increased by 75%. 5 times out of the insurance, the premium doubled.

Extended Information: Premium Calculation for Compulsory Liability Insurance and Commercial Motor Insurance:

1. Compulsory traffic insurance.

Compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident of the insured motor vehicle within the liability limit. Generally speaking, the compulsory insurance premium for a 5-seater family car is 950 yuan a year; Private cars with more than 6 seats are 1,100 yuan. If only the compulsory liability insurance is used, and no commercial insurance is used, then the premium of the compulsory liability insurance will fluctuate according to the number of accidents

If there is no at-fault traffic accident for one year, two years and three consecutive years, then the premium is reduced by %. If there was a traffic accident in the previous year that did not involve a fatality, the premium will remain the same; If there were two at-fault traffic accidents in the previous year that did not involve death, the premium will be increased by 10%; Among them, it should be noted that no matter how many times the compulsory traffic insurance is insured, it will be compensated, and no matter how the premium changes, the compulsory traffic insurance must be bought, and it is an illegal act to drive on the road without buying the compulsory traffic insurance.

2. Commercial auto insurance.

Compared with compulsory traffic insurance, the premium calculation method of commercial auto insurance will be more complicated, and the calculation formula is as follows:

Commercial insurance premium = basic premium No compensation preferential treatment coefficient (NCD coefficient) Autonomous underwriting coefficient Autonomous channel coefficient Traffic violation coefficient.

The definitions of the various coefficients are also different. Self-underwriting coefficient: determined by the pricing system of the insurance company, generally floating; Autonomous channel coefficient:

Insurance companies formulate different coefficients for different sales channels of auto commercial insurance, which are generally floating; The preferential treatment coefficient (NCD coefficient) and traffic violation coefficient (only available in Beijing, Shanghai, Shenzhen + Jiangsu) may be different for different car owners, and are related to the number of claims and violations.

Therefore, if there is no insurance in the first year of car insurance, there will be a discount for the insurance in the second year, and if the car insurance is not insured in the first year, the compulsory traffic insurance can be 10% cheaper in the second year, and the commercial insurance can be 30% cheaper.

If there is no traffic accident in the first year, the purchase of car insurance** in the second year will be very affordable and there will be no additional costs incurred in the first year.

Year 2** is exactly the same as Year 1. Because the contract was signed at the time of car insurance, there will be no change.

It's basically the same as the first year, and you haven't been out of insurance, so you won't pay too much money in the second year.

The ** bought in the second year may be the same as this year's premium, or it may be lower than this year's premium.

If there is no insurance in the first year of car insurance, there will be a discount on the insurance in the second year, and if there is no insurance in the first year of car insurance, the compulsory traffic insurance can be 10% cheaper in the second year, and the commercial insurance can be 30% cheaper.

1. [Regulations on how much cheaper is the second year of compulsory traffic insurance]:

If there is no road 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 float;

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%;

If drunk driving occurs in the first year, the compulsory traffic insurance** will be increased by up to 60%.

2. [Regulations on how much cheaper commercial insurance is in the second year]:

30% discount for commercial insurance without insurance in the previous year;

The number of cases filed (including the number of closed cases) is 1, and the compensation amount of the previous year is greater than 80% of the commercial insurance premium of the previous year, and the maximum discount is 28%;

The number of cases filed for 2 times is greater than 80% of the premium, and the maximum discount is 20%;

The number of cases filed 3 times, the compensation is less than 80% of the premium, the discount is 30%, and then the discount is 10%, and the compensation is greater than the premium 80%, and the discount is 10%;

If the number of cases is less than 80% for 4 cases, the discount will be increased by 20% after 30%, and the compensation will be increased by 20% if the compensation is greater than 80%, and the discount will be increased by 20% after the discount is 19%;

The number of cases filed is increased by 30%, and the number of cases filed 8 times or more is prohibited from underwriting.

If you have not been insured in the first year of car insurance, the premium will be reduced by 10% in the second year.

However, compulsory liability insurance is not reduced every year, and can be as low as 70% of the base premium. The compulsory traffic insurance rate implements a floating mechanism linked to the road traffic safety violations and traffic accident records of the insured motor vehicle. When signing a compulsory traffic insurance contract, the policyholder shall pay all the insurance premiums at one time.

The insurance premium shall be calculated according to the compulsory traffic insurance rate approved by the China Insurance Regulatory Commission.

If the insured motor vehicle does not occur, road traffic safety violations and road traffic accidents, the insurance company shall reduce its insurance premium rate in the following year. In the following year, if the insured motor vehicle still does not occur, road traffic safety violations and 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.

In general, there are discounts, but the policies of each insurance company are different, so the degree of discount may be different, so in order to be more preferential for insurance in the second year, you should let yourself travel safely and drive carefully, which requires us to pay more attention to road safety when we usually drive, and we can generally consider it from these aspects:

1. Try not to travel in rainy or snowy days, if you must travel, you should let yourself slow down to ensure your personal safety.

2. When driving, you should not play with your mobile phone, but should concentrate on driving.

3. Women should not wear high heels when driving, but should wear flat shoes.

4. When driving, pay attention to pedestrians.

5. When driving, pay attention to the distance between the vehicle and the vehicle to ensure that it is at a safe distance to avoid collision caused by the vehicle in front of you braking sharply.

6. Don't drag race with others while driving, this is a very dangerous behavior.

7. When driving, try not to listen to songs, it is easy to get distracted.

8. Don't drive tiredly, and take a break in time after driving for 4 hours in a row.

Now although the standard of living has improved, people's pursuit of cars has also improved, the emergence of vehicles, has indeed brought a lot of convenience to our lives, we can easily travel, can go to the place they want to go as they like, can go to the southern cities from the northern cities, after a few hours of driving, can also realize the mutual exchange of northern and southern products, bringing a lot of good things to our lives.

But if the vehicle is not used well, it will also harm our personal safety, these years, traffic safety accidents, often occur, some are small accidents, some are major accidents, and some will also cause the first situation of personnel, which we do not want to see, so in the process of daily driving, we should always maintain a high degree of vigilance, so that we can travel safely, because our family is waiting for us to go back at home.

No, and generally everyone will be equal when buying insurance, so when people buy insurance, the amount is generally equal.

Hello, for example, if the owner does not have an insurance within one year, he will get a 10%-20% discount for the second year of renewal. If it is a commercial insurance, if there is no insurance in the first year, then the commercial auto insurance in the second year can enjoy a 10% discount.

Question: For example, if I buy a strong 950, how much should it be in the second year, and how much is the commercial insurance 3150 in the second year?

It doesn't come out once a year.

The cost of commercial insurance is about 2835 yuan.

Question: If there is no insurance, will there be a discount if I buy 2 million in the second year?

It is difficult to say that some companies will not give you a discount for the replacement of the sum insured, which means that it is still based on the original discount of 1 million, or the insurance company shall prevail, and the answer shall be subject to the insurance company.

No, it has nothing to do with these, and ** is generally the same, and there will be no price drops.