I would like to ask, if you buy insurance for a used car, is there a discount on insurance?

Transfer car, the first time you buy car insurance, there is no discount, and there will be it later.

First of all, the compulsory insurance of compulsory insurance stipulated by national laws and regulations is also a must-buy for the national unified regulations. Vehicle loss insurance, third-party liability insurance and deductible insurance are very necessary in commercial insurance, followed by seat insurance, and other types of insurance can be decided whether to buy according to the actual situation and demand.

Relatively speaking, the biggest advantage of buying insurance for second-hand cars is freedom, you can buy relevant insurance according to your actual needs, and the owner develops good driving habits is the biggest skill to buy car insurance, after all, basically all insurance companies now follow a principle, that is, the car owner in the previous year's insurance claims or driving records directly affect the next year's car insurance renewal costs.

Used car buying tips.

1. Pay attention to the details when choosing a vehicle

When buying a used car, inspection is an essential step, first check the appearance of the car, check whether the car has been painted, whether it has been hit, whether the parts have been replaced, etc., but also check whether the headlights of the car are the same as the old and new.

2. Procedures for inspecting the vehicle:

The procedures for the car are not complete, and it is difficult to handle the transfer, so when buying a second-hand car, you need to check the procedures of the vehicle to avoid buying some cars with hidden dangers, and if you buy a second-hand car in a different place, you also need to understand the emission standards of the car.

Friend, you can't do it without insurance. Compulsory traffic insurance is a must to buy, and it is not expensive. Commercial insurance, you can not buy it if you have good technology. Relatively cheap insurance exists, and you can go to Chengdu second-hand car information network to see for details, and specifically consult about insurance discounts.

1. Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while driving the insured vehicle or its permitted driver. The third liability insurance is the third party liability insurance in the commercial insurance, which means that the insured vehicle suffers personal or property losses to the third party due to an accident, and the insurer shall compensate in accordance with the provisions of the insurance contract.

2. First of all, handle the insurance transfer, many car owners who buy second-hand cars attach great importance to the performance indicators of the car, but it is easy to forget some details of the amount of insurance insured by consumers, which is directly related to the amount of compensation.

3. Used car refers to the car that has been registered with the public security traffic management authority and can be traded and transferred before reaching the scrapping standard of the national system, including three-wheeled steam in the car, low-speed trucks, that is, original agricultural vehicles, trailers and motorcycles.

Hope it helps, dear.

If you have any questions, please feel free to contact me again.

I wish you a happy life and a happy day.

Consumers who purchase insurance for second-hand cars should voluntarily choose the type of insurance except for the compulsory traffic insurance that must be insured by the state. For example, if the vehicle is a high-value quasi-new car, it should be insured with scratch insurance, and if the vehicle is of lower value, it is not necessary to purchase scratch insurance; If the vehicle has new equipment, it should be insured for the loss of new equipment, otherwise it is not necessary to insure this type of insurance.

Insurance for used cars can be left out. But doing so is not safe for your safety and property. You can buy strong car insurance, accident insurance, etc.

Unless you don't need the formalities, the car cannot be inspected annually without insurance. Buy a copy of the insurance.

**Insurance will be cheaper. You can try.

How to buy used car insurance:

1. Select the type of insurance according to the actual situation. For example, if your second-hand car has been used for more than 3 years, it is best to insure spontaneous combustion insurance, which can avoid the economic risk of spontaneous combustion caused by the aging of the car. In addition, the special clause of car insurance without deductible is an additional insurance, and only the owner can purchase the insurance without deductible on the premise of insuring the basic insurance.

2. Historical records cannot be ignored. Generally speaking, the premium of an old car with a record of claims will be higher than that of an old car without a record of claims, and for vehicles with "no history", insurance companies will often give a certain percentage of discounts when applying for or renewing the policy. Therefore, when buying a second-hand car, it is best to ask the original owner for the original car insurance policy, especially for some second-hand cars that do not tie in car insurance and do not take the initiative to provide insurance policies.

3. Fully insured. The amount of insurance purchased by consumers is directly related to the amount of compensation. Therefore, the car owner must analyze the different situations of each type of insurance and determine the appropriate amount of insurance.

For example, car damage insurance is generally based on the purchase of a similar new car** as the insurance amount, while theft insurance is based on the actual ** of the vehicle at that time as the insurance amount. Consumers should realistically determine the amount of insurance and take out insurance in full, so that they can be reasonably compensated.

Transfer of ownership of the vehicle. After the cancellation of the original preferential insurance costs, the first year of compulsory insurance to restore the original price, its commercial insurance is up to 95% off, and the second year of the virtual premium is based on the number of accidents and the amount of claims in the previous year to give a certain discount, such as the original owner of the compulsory insurance for several years without a claim record, the minimum preferential premium for small cars is 665 yuan a year, after the transfer of ownership will be restored to 950 yuan a year, corresponding to other commercial insurance.

It will also restore the original **, which is also the reason why most car owners report that the insurance is expensive in the first year after the transfer of ownership. The insurance premium for a used car is usually calculated based on the purchase price of the new car.

If the ** of the new car is 100,000 yuan, and the transaction price of the second-hand car is 50,000 yuan, the insurance company will still require the owner to purchase insurance according to the ** of 100,000 yuan; However, when making a claim, the insurance company will follow the depreciation rate.

Excluding some expenses, it means that the insurance company will generally pay according to the present value of the used car when making a claim.

The transfer of second-hand car insurance is mainly divided into two types: the change of policy elements and the application for surrender and re-insurance. The change of the policy element is to replace the insured with the current car owner, and the insurance content has not changed. To apply for a surrender and re-insurance, you will return the original car insurance, pay the maintenance fee from the beginning of the insurance to the maintenance period, and then re-apply for insurance with another insurance company.

When buying a second-hand car, the premium for the second year after the insurance is also transferred will not be discounted, and during the insurance period, the ownership of the insured motor vehicle is transferred, and the compulsory traffic insurance rate does not float.

According to Article 11 of the Interim Measures for the Floating of Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability, the method of floating compulsory insurance rates under several special circumstances.

1) The rate of motor vehicles insured for the first time with compulsory traffic insurance does not fluctuate.

2) During the insurance period, if the ownership of the insured motor vehicle is transferred, the procedures for changing the compulsory traffic insurance contract shall be completed, and the compulsory traffic insurance rate shall not float.

3) If a motor vehicle is temporarily on the road or a foreign motor vehicle temporarily enters the country to purchase short-term compulsory traffic insurance, the compulsory traffic insurance rate does not float. In the case of other short-term compulsory liability insurance, the short-term benchmark insurance premium of the compulsory liability insurance shall be carried out according to the above-mentioned standard floating model.

4) If the insured motor vehicle is recovered after being confirmed lost by the public security organ, according to the certificate provided by the insured by the public security organ, if a road traffic accident occurs during the period of loss, the compulsory traffic insurance rate shall not fluctuate upward.

5) If the motor vehicle is not renewed in time after the expiration of the previous compulsory traffic insurance policy, the calculation range of the floating factor is still between the date of issuance of the previous policy and the date of issuance of the current policy.

6) Before the national auto insurance information platform is networked or the national information exchange, when the motor vehicle changes the place of insurance across provinces, if the policyholder can provide relevant supporting documents, the compulsory traffic insurance rate can be reduced downward. If it cannot be provided, the compulsory traffic insurance rate will not float.

Summary. It's true that the premium for the first year of used car insurance will be a little more expensive, because the premium for the first year of used car insurance is calculated according to the new car**, and there are almost no discounts. That is to say, even if it costs 50,000 yuan to buy a second-hand car, but the new price of this car is 80,000 yuan, then the first year should be based on 80,000 yuan to buy insurance for this second-hand car.

And there is a bit of a pitfall, even if we use the ** of the new car insurance, but the second-hand car in the insurance claim must be claimed at the depreciation rate of the second-hand car, so as to pay less for some expenses. That's why the premium for the first year of a used car is expensive. If you buy a second-hand car, if you buy a vehicle with a younger age, the difference between the price of the new car and the used car is not large, so the insurance cost will not be too different.

Hello, I am a platform special financial consultant, a practicing lawyer is good at debt processing, financial loans, equity investment, insurance consulting, your question I have seen the fingers, is sorting out the answer paragraph guess, it will take about 3 minutes, please wait a while

Hello will float about 10% on the basis of normal **.

It is true that the premium for the first year of the second-hand Changqing car book will be a little more expensive, because the premium for the first year of second-hand car insurance is calculated according to the new car**, and there are almost no discounts. That is to say, even if it costs 50,000 yuan to buy a second-hand car, but the new price of this car is 80,000 yuan, then the first year should be based on 80,000 yuan to buy insurance for this second-hand car. And there is also a bit of a pitfall, even if we use the ** of the new car insurance, but the second-hand car in the insurance claim must be claimed at the depreciation rate of the second-hand car, so as to pay less costs.

That's why the premium for the first year of a used car is expensive. If you buy a second-hand car, if you buy a vehicle with a younger age, the difference between the price of the new car and the used car is not large, so the insurance cost will not be too different.

For second-hand car insurance, compulsory traffic insurance and third-party commercial liability insurance are the two types of insurance that must be selected.

Thank you for the consultation, I hope I can help you.

It's about 10% more expensive than buying insurance.

Yes. Thank you.

1. Second-hand cars can enjoy the preferential preferential system of compulsory traffic insurance.

Second, the buried defects: second-hand cars in the handover procedures, at the same time for the transfer of compulsory traffic insurance, and the positive liquid bridge change, three, because: compulsory traffic insurance is calculated according to the number of years, as long as the original owner of the "compulsory insurance" of the company for transfer and after the expiration of the "compulsory insurance" is still in the original company, will enjoy the preferential system.

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