What is the difference between car insurance once and not at all?

The premium is different, that is, if it does not appear, the premium will be discounted.

No at-fault road traffic accidents in the previous insurance year -10 No at-fault road traffic accidents in the last two insurance years -20 No at-fault road traffic accidents in the last three insurance years -30 One road traffic accident in the previous year that was not fatal (new) 0 Two or more at-fault road accidents in the previous year +10 One at-fault road fatality in the previous year +30

The original price of compulsory traffic insurance will be restored once the insurance is out, and there is no discount. The next time it goes up, it's 10%, the third time it's 20%, and the fourth time it's up to 30%.

If there is no insurance in the year, the minimum discount of 7% can be discounted, if the insurance is discounted 1-2 times, the third time is to restore the original price without discount, and the fourth time to add 10%, so it is necessary to calculate the use of it.

It is time to see whether the risk is commercial insurance or compulsory traffic insurance. If it is compulsory insurance, the next year's compulsory insurance will return to the original price, and there is no discount. If it is a commercial insurance, the claim is not more than a certain amount, generally less than 2000, and will not affect the second year's premium.

For car insurance, if there is no insurance in the first year, there can be a 10% discount when applying for insurance in the second year, a 20% discount if there is no insurance in the second consecutive year, and a 30% discount if there is no insurance in the third year, and a maximum of 30% discount.

The 2021 car insurance is not a three-year loss, unless the owner has been out of insurance for three consecutive years. Generally speaking, after the car insurance is out once, it will only have an impact on the premium of the second year, and there will be a small amount** or you will not be able to enjoy the premium discount, but if you do not have the insurance in the second year, then you can enjoy the premium discount of the car insurance in the third year, instead of rising for three consecutive years, and you can only enjoy the premium discount in the fourth year.

Brand New Motor Insurance Discounts 2021:

The new 2021 new motor vehicle insurance discount policy will be announced on January 1, 2021. According to the new interest rate fluctuation standard, the insurance cost of one insurance trip is not discounted; 25% increase in insurance twice; The risk was increased by 50% for 3 times; The risk was increased by 75% for 4 times; The cost of insurance has doubled for 5 trips.

There is no discount for one year, seven discounts for two years, and six discounts for three years.

To put it simply, the more frequent the insurance, the higher the cost of insurance in the second year. In the future, the amount of discount given by insurance companies will not only depend on the customer's insurance rate in the previous year, but also depend on the driving style and safe driving risk of the rider. In other words, after the reform and innovation of commercial service auto insurance, users with low risk and good awareness of safety precautions will be able to obtain a higher price-to-sales ratio.

Test your anti-risk index, experts will interpret it for you for free!

It's not the same. The number of trips and the cost of claims will affect the premium discount for the next year.

Summary of Compulsory Insurance for Motor Vehicle Accident Liability. Nationwide unity: The insurance terms are the same throughout China.

Compulsory enrollment: Motor vehicles that have not been insured by compulsory motor vehicle traffic accident liability insurance are not allowed to drive on the road.

Insurance rate: the national flat rate for the first year. Rates are available for accident-free, non-violation-free vehicles.

Therefore, the second year of the insurance car will be more expensive, and if there is no insurance, the second year renewal insurance will be cheaper.

For example, the floating factors and ratios associated with road traffic accidents in Pacific Insurance are as follows. Note: -10% is to reduce the cost of compulsory liability insurance by 10%, and +10% is to increase the cost of compulsory liability insurance by 10%.

The premium is different, that is, if it does not appear, the premium will be discounted.

No at-fault road traffic accidents in the previous insurance year -10 No at-fault road traffic accidents in the last two insurance years -20 No at-fault road traffic accidents in the last three insurance years -30 One road traffic accident in the previous year that was not fatal (new) 0 Two or more at-fault road accidents in the previous year +10 One at-fault road fatality in the previous year +30

Not the same.

1. 10% discount for the second year of compulsory traffic insurance, 20% discount for two consecutive years, and 30% discount for three consecutive years. Up to 30% discount, no one is injured once in the accident is not floating! If you are out of insurance for 3 months, there will be no discount.

2. 30% discount for commercial insurance that has not been insured 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 2 times, the compensation is greater than 80% of the premium, the maximum discount is 20%, the number of cases filed is 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 80% of the premium, 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.

This one is different!

If you don't have insurance, you can buy insurance for the second year at a discount!

In addition, there was only one dangerous return.

If the amount is small, the answer is also discounted, such as safe, within 2000. There is a discount for less than two accidents!

Therefore, it is recommended that if it is a minor problem, such as a slight touch, scratch, or scratch, it can be solved for hundreds of dollars. Don't be in danger!

It's not the same, the original price will be restored once the insurance is insured. If you don't have an accident, car insurance** will decrease proportionally.

It is not the same, the premium will be increased in the next year after the accident.

If you go out of insurance once or not once, you will be paid for the next year.

It's all going to be reduced. My insurance is that as long as it is not more than three times, the next year's premium will be discounted, which is less than this year's premium. So it's the same to go out once and not to get out of the risk.

However, each insurance company may have different standards, and I don't know if there is a difference between an insurance accident and an insurance company you choose, but even if there is, the difference will not be big.

In addition, if you have an accident once, even if it is someone else's responsibility, then your compulsory traffic insurance for the next year will not be discounted. (I was also strange when I bought compulsory traffic insurance).

But if it's your own responsibility, no one else, for example, hit the pillar because of your own mistake. No matter how many times, the compulsory traffic insurance will still be discounted in the next year.

Specifically, you can ask the 4S store, and there are generally people from insurance companies in the 4S store. You can pay the insurance premium there, and ask them the most reliable.