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If you buy insurance for the car, refer to the following figure (compulsory traffic insurance is necessary, commercial insurance generally chooses three, vehicle loss insurance, deductible, seat insurance, and others can be purchased according to demand).
Car insurance. What do I need to pay attention to when buying car insurance?
1. Understand what the insurance clause covers. The responsibility of insurance protection is very important, and it is important to understand when you can make a claim and when you can't.
For example, if you do not have this insurance, if you have a traffic accident and there are people in the car, you need to pay for it, but if you buy three liability insurance, you can transfer this part of the cost to the insurance company; For example, if the glass of the car is broken, it is not within the scope of the car damage insurance claim, and the glass breakage insurance needs to be insured separately.
Therefore, before buying car insurance, you must pay attention to the content of the terms and conditions, figure out what to pay and what not to pay, and avoid disputes when making a claim.
2. The main insurance of car insurance is divided into car damage insurance, three-party insurance, vehicle personnel liability insurance, and other additional insurance.
3. Whether it is a new car or an old car, the insurance amount of the three must be fully purchased, and the minimum insurance amount is 1 million yuan, because when it causes personal and property losses to a third party, it can reduce its own economic burden;
4. If the driver of the new car is not very proficient in driving, it is recommended to choose a relatively complete range of insurance;
5. If it rains frequently in the area, and the road surface will accumulate water as soon as it rains, it is best to purchase engine wading loss insurance.
6. Remember the renewal time to avoid losing your protection. When buying car insurance, you must remember when your policy expires, and you must remember to renew it before it expires. If you forget to renew your policy, the insurance company will not be responsible for any traffic accident during this period.
And he went on the road without compulsory traffic insurance, violating the provisions of the "Road Traffic Safety Law", and was found by the traffic police, deducting both money and cars.
7. Choose an insurance company with large scale and good service. Buying car insurance is to hope that when the insurance happens, you can quickly get help in claims, and those large insurance companies will do better than small insurance companies in terms of claims service. For example, a pure car damage case of less than a few thousand yuan can be paid within 24 hours, and there are multiple outlets across the country, no matter where the insurance is, you can get the claim service in time.
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It depends on the model. and the brand of the vehicle. ** is indefinite.
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About 4000 yuan.
Here's what car insurance looks like:
1. Compulsory traffic insurance 950 yuan (must be purchased);
2. The car damage insurance is almost 1,000 yuan;
3. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan;
4. More than 300 theft insurance;
5. The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan;
6. The above items add up to 400 yuan without deductibles;
7. Spontaneous combustion insurance 50 yuan;
8. If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass;
9. Scratch insurance 300 yuan;
10. And these 3 are not counted as deductible of more than 50 yuan.
To sum up, a total of about 4,000 yuan.
Car insurance is paid every year. Car insurance is divided into compulsory traffic insurance and commercial car insurance. Compulsory traffic insurance is a compulsory insurance, which must be paid, otherwise the vehicle is not allowed to drive on the road.
Commercial auto insurance is not mandatory, and you can decide whether to purchase it or not according to your own situation. However, due to the low amount of compulsory traffic insurance, in the event of a serious accident, the owner also needs to bear the financial compensation, so it is still necessary to buy commercial auto insurance.
The amount of car insurance depends on the situation of the vehicle itself and the type of car insurance insured. The first year of insurance for ordinary economic cars is about 5,000-6,500, and for high-end cars, it is about 10,000 or even 20,000 a year. Therefore, how much car insurance costs is not a fixed value.
The exact amount can only be calculated at the time of car insurance.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Hello, I am Lee Shau Kee, who is good at lending, insurance, and banking, and has successfully solved problems for more than 20,000 people
50,000 cars are fully insured for about 4,500 yuan a year. 1.Compulsory traffic insurance is 950 yuan.
2.Commercial insurance is about 3,600 yuan. Business insurance includes:
1) Third-party liability insurance (877 yuan). (2) Vehicle loss insurance (1083 yuan), basic premium + naked car**. (3) Deductible special insurance (392 yuan), (car damage insurance + third-party liability insurance) 20%.
4) Regarding the liability insurance for car personnel (200 yuan for 4 people), the cost is 50 yuan per person, calculated according to the actual number of car seats. (5) No liability insurance (175 yuan), third-party liability insurance 20%. (6) Spontaneous combustion loss insurance (75 yuan), new car purchase**.
7) Glass breakage insurance (75 yuan), imported new car purchase**, domestic new car purchase**. (8) Body scratch insurance (400 yuan), 950 yuan per year for families of less than 6 people, 1100 yuan per year (385 yuan) for families of more than 6 people, basic insurance premium + naked car ** rate.
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The 5-seater car is covered by about 3,000 yuan a year. All insurances include compulsory traffic insurance + car damage insurance + third-party liability insurance + deductible + vehicle personnel insurance. If conditions permit, it can also be added with theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.
However, no matter how much insurance you buy, it is impossible for the insurance company to compensate for any loss, and in some cases, the insurance company refuses to pay.
No Claims.
1. Losing your car in a paid parking lot.
If the vehicle is stolen in a paid parking lot or in a commercial repair shop, the insurance company will not be responsible for the payment. Because the insurance company believes that the parking lot is responsible for the storage of the vehicles in the paid parking lot, the insurance company is not responsible for the storage of the vehicles.
Therefore, in the case of this loss of car, the policyholder does not have to go to the insurance company to make a claim, even if the insurance company is found, the insurance company will not be responsible, but should buy time as soon as possible, so that the custodian who keeps the vehicle poorly and causes the loss of the vehicle is responsible for compensation.
2. Intentional accident by the driver.
According to the terms of the insurance, the driver's intentional act is excluded from liability, so even in the event of any emergency, the insurance company will not be responsible for paying if the accident is caused by the driver's deliberate actions.
Therefore, the owner must abide by the terms of the insurance, otherwise he will suffer a loss, of course, the driver should not be lucky, deliberately causing an accident, so that not only can not be compensated, but also will be deducted for themselves to cheat the insurance hat.
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Hello, the key is to see the brand of insurance and the size of the insurance payout, generally all insurance ** is about 5000, I hope to help you, hope.
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The 5-seater car is about 3,000 yuan a year, I hope it can help you.
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Summary. Hello dear! 1. Compulsory traffic insurance 950 yuan (must be purchased); 2. The car damage insurance is almost 1,000 yuan; 3. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan; 4. More than 300 theft insurance; 5. The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan; 6. The above items add up to 400 yuan without deductibles; 7. Spontaneous combustion insurance 50 yuan; 8. If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass; 9. Scratch insurance 300 yuan; 10. And these 3 are not counted as deductible of more than 50 yuan.
To sum up, a total of about 4,000 yuan.
Hello dear! 5. Car insurance of 4,000 yuan also depends on what insurance you buy.
Hello dear! 1. Compulsory traffic insurance 950 yuan (must be purchased); 2. The first damage of the car damage insurance is almost 1,000 yuan; 3. The third-party liability insurance can cover 50,000, 100,000 and 200,000 yuan, and 100,000 yuan is 600 yuan; 4. More than 300 theft insurance; 5. The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan; 6. The above items add up to 400 yuan without deductibles; 7. Spontaneous combustion insurance 50 yuan; 8. If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass; 9. Scratch insurance 300 yuan; 10. And these 3 are not counted as deductible of more than 50 yuan. To sum up, a total of about 4,000 yuan.
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The cost of insurance for a seven-seater van and a five-seater car is not the same.
Compulsory Liability Insurance Fee:
5 seats: the first year, the second year, the third year, and the fourth year (in the case of no strong or three Zen fiber insurance).
950 yuan, 855 yuan, 760 yuan, 655 yuan.
7 seats: 1st year, 2nd year, 3rd year, 4th year.
1100 yuan, 990 yuan, 880 yuan, 770 yuan.
Commercial Insurance Costs:
Commercial insurance is basically the same, and most of them are calculated according to the price of the car on the invoice. The only difference is the "seat insurance for people on the car", a 7-seater car can buy up to 7 people, 100 yuan more than a 5-seater car.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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