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10% reduction in premiums;

2. There was no road traffic accident in the last two years, and the premium was reduced by 20%;

3. There has been no road traffic accident in the last three or more years, and the premium has been reduced by 30%;

4. In the event of a road traffic accident that does not involve death in the previous year, the premium remains unchanged;

5. If there are two or more road traffic accidents in the previous year, the insurance bureau fee will be increased by 10%;

6. In the case of a road traffic fatality accident in the previous year, the premium will be increased by 30%.

According to the relevant regulations, the compulsory traffic insurance for the first year of ordinary private cars is 950 yuan, and if there is no insurance within one year, the compulsory traffic insurance will be discounted.

The annual discount of compulsory traffic insurance depends on the situation.

There is no discount for the first purchase of compulsory traffic insurance, such as no accident in the first year, 10% discount in the second year, no accident in the second year, 20% discount in the third year, no accident in the third year, and 30% discount in the fourth year. The maximum discount is 30%. If the vehicle owner has not been involved in a traffic accident in the previous year, the premium can be reduced by 10%; if it has not occurred for two consecutive years, it will be reduced by 20%; If it has not occurred for three consecutive years or more, it will be reduced by up to 30%; On the contrary, if there are two or more traffic accidents with liability in the previous year, it will increase by 10%; In the event of a fatal accident attributable to liability, the maximum increase is 30%.

The limit of death and disability compensation refers to the maximum amount of compensation borne by the insurer for the death and disability expenses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Death and disability expenses include funeral expenses.

Compensation for death, transportation expenses incurred by the victim's relatives for funeral matters, and disability compensation.

Disability assistive device fee, nursing care fee.

**Expenses, transportation expenses, living expenses for dependents, accommodation expenses, lost work expenses.

Solatium for moral damages borne by the insured in accordance with the court judgment or mediation.

According to many cases, the annual discount of compulsory traffic insurance needs to be determined:

1.In the previous year, there was no liability for road traffic accidents, and the premium decreased by 10%;

2.There were no road accidents in the first two years, and the premium fell by 20%;

3. For road traffic accidents that have not been liable for more than three years, the premium will be reduced by 30%;

4.In the event of a road traffic accident in the previous year, the liability does not involve death, and the premium remains unchanged;

5.In the case of two or more road traffic accidents in the previous year, the premium**10%;

6.In the event of a road fatality accident in the previous year, the premium**30% is paid.

This is according to the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability", according to the regulations, the compulsory traffic insurance for ordinary private cars in the first year is 950 yuan, and if the insurance is not issued within one year, the compulsory traffic insurance will be discounted.

Compulsory car insurance is charged according to the purpose and the number of seats in the vehicle type. Generally, there are five-seater models of family cars. According to the regulations, the basic premium of compulsory insurance (unified nationwide) is 950 yuan, that is, the compulsory insurance premium for the first year is 950 yuan.

In the future, the floating rate will be implemented depending on whether an accident occurs or not.

However, in order to obtain the preferential premium policy for the renewal of compulsory liability insurance in the following year, some conditions must be met at the same time.

For example, compulsory traffic insurance should remain in force when the vehicle owner renews the insurance. The staff of the insurance company pointed out that if the compulsory traffic insurance is out of policy within 30 days, it will not be able to enjoy any preferential policies. It also requires that there was no illegal driving last year, which is the punitive principle of compulsory traffic insurance.

There is a discount for those who have not been insured in a row.

The discount of compulsory traffic insurance refers to the fluctuation of insurance premiums, except for the first year's payment** is fixed, the renewal fee of compulsory traffic insurance in the next year is adjusted according to the vehicle history of the previous year.

If you do not pay the compulsory traffic insurance within the time limit, you will not be able to enjoy the corresponding discount.

Extended information: The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability, which is provided by the insurance company for road traffic accidents of the insured motor vehicle.

Compulsory liability insurance that causes personal and property losses to the victim (excluding the vehicle personnel and the insured) and compensates within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

Calculation of basic insurance premiums.

1. Calculation of one-year basic insurance premium.

If the one-year compulsory motor vehicle traffic accident liability insurance is purchased, the basic insurance premium shall be determined according to the corresponding amount in the Basic Rate Table of Motor Vehicle Traffic Accident Liability Compulsory Insurance.

2. Calculation of short-term basic insurance premiums.

If the insurance period is less than one year, the insurance premium shall be calculated according to the short-term rate coefficient, and the insurance premium shall be calculated as one month if the insurance period is less than one year. Specifically, the basic insurance premium is determined according to the corresponding amount in the "Basic Rate Table of Compulsory Insurance for Motor Vehicle Traffic Accident Liability", and then the corresponding short-term monthly rate coefficient is selected according to the insurance period, and the short-term basic insurance premium is multiplied by the two.

The floating factors and floating ratios of the basic rate of compulsory insurance for motor vehicle traffic accident liability shall be implemented in accordance with the Interim Measures for the Floating Rate of Compulsory Insurance for Motor Vehicle Traffic Accident Liability (Bao Jian Fa [2007] No. 52).

The calculation method of the insurance premium: the final premium of the compulsory liability insurance = the basic insurance premium of the compulsory liability insurance (1 + the floating rate linked to the road traffic accident).