I bought used car insurance until August 26th, can I buy insurance again on October 1st?

Car insurance goes out for more than a certain period of time, which can bring us a lot of risks in many ways:

1. The renewal fee will increase after the insurance is released.

When our car insurance is out of policy, if people can't renew it in time, we buy it again, there will be an increase. Because the different types of insurance are also too similar in the renewal time, like compulsory insurance, when people renew the insurance cost in time within three months of the car insurance out of time, the cost of insurance will not increase, if more than three months people still do not renew the insurance cost, then there will be a certain increase in the cost when buying again. Like some commercial insurance, such as auto insurance, the time of out of insurance is stipulated by the insurance company itself, like the insurance of Ping An Insurance Company after more than one month of insurance, people will have a certain increase when they buy insurance again.

2. Check the vehicle again after a period of insurance.

If people do not renew their car insurance in time after a certain period of time, and buy it again after a certain period of time, the insurance company will re-inspect our car. If our car is relatively good, it probably won't cause too much trouble, just delay our time. But if our car is not very good, then the insurance company is more strict when inspecting our car, and sometimes the insurance that we can buy in the previous year can be purchased in the next year, and the insurance company will not let us buy it.

This will cause us a lot of trouble.

3. If there is a problem during the period of deinsurance, there is no guarantee.

During the period when our car insurance is out of coverage, if we use the car, there may be some accidents, and once an accident occurs, we can't get any coverage. For example, after the expiration of the insurance of Ping An Insurance Company, if people do not communicate well with the insurance company, once there is an accident, the insurance company will not compensate us, which is not guaranteed for us.

As long as you don't have an accident in the middle, it's okay.

The easy-insurance auto insurance price comparison platform shares how much used car insurance costs a year.

Whether it is a new car or a used car, it is necessary to purchase compulsory traffic insurance. Of course, if the original owner of the second-hand car has purchased compulsory traffic insurance, and it is still within the insurance period, you can not buy the vehicle again, but the new owner must ask the original owner to bring all kinds of information to the insurance company to go through the insurance transfer procedures, and transfer the compulsory traffic insurance and other types of insurance together. Generally, for private cars with less than 6 seats, the first year of compulsory traffic insurance** is 950 yuan, and from the second year, the compulsory traffic insurance** is linked to responsible road traffic accidents and drunk driving.

Generally speaking, car damage insurance and three liability insurance are the types of insurance that car owners buy more. Take car damage insurance as an example: when car owners purchase used car damage insurance, they can choose to insure the full value of the new car or the actual value.

According to the regulations, the second-hand car damage insurance is generally calculated according to the new car ** in the market at the time of the model car. Once the used car is damaged, the cost of replacing parts and repairs is the same as that of a new car, and the owner can decide how to insure the car. When applying for insurance, the car owner can choose to insure the car at the actual value, which can reduce the premium of the car damage insurance, but in the event of partial damage, it can only be compensated on a pro-rata basis; If you choose to insure the new car price, you will naturally pay more premiums, but in the event of partial damage, you can get full compensation from the insurance company.

The insurance of a used car** is also related to its original price, and in general, it is proportional. As we all know, the parts of high-quality cars must be better than ordinary cars, so once there is any failure that needs to be repaired, the cost of components alone must be higher than that of ordinary cars, of course, there are labor costs or something. The combination of these factors makes the original part of the car proportional to the price of the insurance.

Of course, how much insurance for a used car is also related to your choice. Generally speaking, the cost of insurance is about 1,200 yuan, and if it is a commercial insurance, it is about 3,000 yuan, which is cheaper than a new car, but if you want to get a higher amount of compensation, and the wider the scope of compensation, the more money it will definitely cost.

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