Do cars have to be insured for thousands every year?

If you feel that there is no problem with your driving skills, you can go straight to a compulsory traffic insurance, the most cost-effective insurance. If you feel afraid of a traffic accident, the last commercial three + no deductible, after the accident wants to repair your own on the vehicle loss insurance. This is the most cost-effective way to get insurance.

Say the easiest, the repair of the bumper is less than 200 and more than 1000.

200 is okay to say, 1000 what do you do?

Buy it, bro! Because the strings of sobriety are tight, because the alarm bell rings in the ears for a long time, so, although there are ten thousand dangers, ten thousand times they will be averted; 10,000 disturbances, 10,000 ripostes; 10,000 battles, 10,000 wins.

10,000 times is not terrible, what I am afraid of is that there is one in 10,000 miles, even if there is one negligence, even if there is a violation of rules and disciplines, 9,999 times can be wasted, and all the previous achievements will be wasted; can make the wish for peace in your life come to naught and leave you.

There is only one compulsory traffic insurance, which is about 1,000 yuan. Generally, the insurance that should be purchased is car damage insurance, three-party insurance, no deductible, and people in the car, etc., which add up to about 3-4 thousand. You need to choose for yourself later!

Repair the car is terrible or on the insurance, a small scratch is inevitable, the price is not low, and glass and the like, it is best to insure it, pay some money a year, worry-free.

Insurance still needs to be paid, and if something happens, it is related to one's own interests.

If the car insurance is 2,000 yuan, the car insurance will not be affected if the car insurance is paid with compulsory traffic insurance within 2,000 yuanCommercial insuranceBecause the premium is calculated separately for compulsory liability insurance and commercial insurance. Car insurance includes compulsory traffic insurance, commercial insurance (car damage insurance, third party liability insurance).

These two practical ones, according to the car owner, said more than 2,000, should be paid compulsory traffic insurance and car damage insurance or third-party liability insurance, these two types of insurance are more practical, about car insurance.

The choice of the company.

Classification of insurance

At present, car insurance is mainly divided into compulsory insurance and commercial insurance, compulsory insurance is often said to be compulsory insurance, is all cars on the road must buy insurance, and the purchase of commercial insurance is voluntary, for most car owners, under the premise of paying compulsory insurance, choose car damage insurance, three insurance.

Bandit insurance and deductible.

The car insurance is the most affordable, this is cost-effective, and the four types of insurance included are very necessary.

Summary. Hello, all types of insurance for new cars are bought from the basic price, there is no discount, so ** will be high, more than 10,000 is generally bought full insurance, if it is purchased in the 4S store The insurance will be much higher than the outside purchase.

Hello, all types of insurance for new cars are bought from the basic price, there is no discount, so ** will be high, more than 10,000 is generally bought all chaos insurance, if it is in the 4S store to buy the insurance will be higher than the outside to buy a lot of judgment.

In the future, the insurance premium will be reduced, and the car insurance premium is related to the number of accidents in the previous year, which is stipulated as follows: 1. If there is no insurance within one year, the premium for the second year will be discounted by 10%; 2. If there is no insurance for two consecutive years, the premium for the second year will be discounted by 20%; 3. If there is no insurance for three years or more, the second year will be 30% discount; 4. If you go out of insurance once in a year, the general loss sock insurance marketing fee remains unchanged, but if you have enjoyed a preferential premium, the premium will be restored to the standard premium after the insurance once; 5. If you go out twice in one year, the insurance cost will rise by 20%, the premium for 3 times will increase by 50%, 75% for 4 times, and 100% for 5 times or more; 6. In the event of a road traffic fatality accident in the previous year, the premium will be increased by 30%.

Understand. What kind of insurance do you generally buy in the second year?

In addition to compulsory traffic insurance, others are purchased according to personal wishes, it is recommended to add a three-party liability insurance, if there is an accident, these two are to compensate for the loss of others, and if the economic conditions are better, you can add car damage, this macro crack mold can also pay for your own car.

Car insurance. The cost is calculated based on the previous year's accident, that is, if there is no accident in the previous year, the cost of insurance will decrease, but if the number of occurrences is too much, the premium will increase accordingly.

According to the "Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability.

Article 6 of the Floating Interim Measures for Compulsory Traffic Insurance Rates.

The floating standard is based on the road traffic accident that occurred in the insured motor vehicle Min Xun Zheng.

Compute. Motorcycles and tractors do not float for the time being.

Article 8 If only a road traffic accident without liability occurs, the compulsory traffic insurance rate can still enjoy downward floating.

Article 10 When it is related to a road traffic accident, it shall be floated according to the compensation that has been paid by the compulsory traffic insurance in the previous year. If a claim occurred in the previous year but has not yet been paid, the rate of compulsory traffic insurance in the current period will not fluctuate until the rate of compulsory traffic insurance in the next year after the compensation is paid upward.

If there has been no insurance, the compulsory traffic insurance can be reduced by 10% every year, up to 30%, which is 7% off.

If there has been no insurance, commercial insurance can also have a corresponding discount every year, the lowest is a discount. (It depends on local policies).

The cost of car insurance is based on the number of trips you have had in the previous year. If the number of trips is small (about 2-3 times), the rate will be reduced; If there are more times (more than 3 times), there will be no adjustment or the rate will increase; There are too many times, and some companies will not renew the insurance with customers.

The insurance company has an actuarial system, and the general situation is not to take risks, and the compulsory traffic insurance is reduced by 10% per year. However, there is no specific proportion of commercial insurance, which is accounted for by the actuarial system.

Although the car is worn, but the 4S shop accessories will not fall, or a new car to insure! Otherwise, the loss assessment will be discounted!

No, compared to the number of accidents in the previous year. For example, if you didn't have insurance in the previous year, the insurance cost this year will be 10% less.