How much is car insurance suitable for reporting, and how much does car insurance generally cost

If the amount is less than 300-500, it is recommended not to report to the insurance company for compensation, because, you have reported more, the second year's premium ** a large amount, like paint scratches, the smaller ones can buy a paint pen on the line, more than 500 go to insurance, I hope it can help you!

Depending on what kind of car you are, if it is 100,000 to 150,000, it is recommended that you take insurance for more than 300, and if you are 150,000 to 200,000, it is recommended to take insurance for more than 500.

Under normal circumstances, compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance, deductible insurance and other types of insurance should be purchased at best, and automobile insurance mainly includes two types: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner.

When choosing vehicle insurance, you should ** what risks you may encounter, and then choose car insurance products according to your needs;

The correct way to insure is: all suitable vehicle insurance should be insured and fully insured to ensure that in case of insurance, the insurance company will be fully compensated;

There are various ways to apply for car insurance, you can choose to go to the car insurance company to apply directly, you can also apply for insurance through the Internet, and you can also apply for car insurance through **.

Hello! It depends on what kind of insurance you want to buy.

Under normal circumstances, it is best to purchase compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance, and deductible insurance.

There are two main types of auto insurance: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner.

Remind the majority of car owners and friends that when choosing vehicle insurance, they should ** what risks they may encounter, and then purchase car insurance products according to their needs. ‍

The correct way to insure is that all the vehicle insurance that suits you should be insured and fully insured to ensure that you will be fully compensated by the insurance company in case of an accident.

At present, there are various ways to apply for car insurance, you can choose to go to the car insurance company to apply directly, you can also apply for insurance through the Internet, and you can also apply for car insurance through **.

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"

When buying new car insurance, we should beware of being fooled by salespeople, the types of insurance we buy are different, **different, the amount of protection is different, **different. It is recommended to buy compulsory traffic insurance, third-party liability insurance, deductible insurance and car damage insurance for at least the first year, and the compulsory traffic insurance** is priced uniformly nationwide according to the number of seats in the vehicle. Generally speaking, for a car of 100,000 yuan, the insurance is about 4,000 yuan.

It costs about 4,000 yuan to buy car insurance. First of all, you must purchase compulsory traffic insurance, which is RMB 950; The second is commercial insurance, in which the basic types of insurance include car damage insurance, which is about 1,000 yuan;

Third-party liability insurance is rotten is to choose different ** to insure, there are 100,000, 500,000, up to 5 million, if you choose to insure 100,000 yuan, then you need to pay 600 yuan.

Theft insurance is about 300 yuan; There is also insurance purchased according to the seat in the car, which is generally about 100 yuan; Excluding deductible, it is about RMB 400; Spontaneous combustion insurance is only RMB 50, and glass damage is RMB 100; Scratch insurance is RMB 300.

Precautions for buying car insurance.

1. First of all, for new cars, the chance of spontaneous combustion is low, and spontaneous combustion insurance is not a must-buy insurance. At the same time, the probability of glass breaking alone is also low. For old cars or cars with modified circuits, spontaneous combustion insurance is best purchased.

Finally, it is also more useful for many car owners to buy free escort insurance, which can also be considered.

2. In addition to compulsory traffic insurance, car owners should try to purchase car insurance mainly including vehicle loss insurance and commercial third-party liability insurance. Purchasing these two types of insurance can minimize the property damage of the car owner after an accident. In addition, car owners can consider whether to purchase theft and ambush fuel insurance according to their own car environment.

As long as there is a claim for car insurance, the discount will be increased when the insurance is renewed in the next year, if it has been renewed, the discount will be increased next year, anyway, it can't run away, and the impact of a discount will probably increase by 1%, such as the original price of 1000 yuan car insurance, 560 yuan in the second year of insurance, and 660 yuan in the second year of insurance. Calculate the difference yourself, if it is cost-effective, report insurance, if the amount is not high, pay it yourself

Car insurance of about 4,000 yuan is suitable for reporting:

1. Compulsory traffic insurance 950 yuan (must be purchased); Car damage insurance.

almost 1000 yuan; Third Party Liability Insurance.

You can guarantee 50,000, 100,000, and regret 200,000, and 100,000 yuan is 600 yuan;

2. More than 300 theft insurance; The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan; The above items are not subject to deductible.

It adds up to 400 yuan; Spontaneous combustion insurance 50 yuan;

3. The glass is damaged separately and is calculated as 100 yuan according to the domestic lead glass; Scratch insurance 300 yuan; and these 3 are not deductible of more than 50 yuan.

1. Compulsory traffic insurance.

Compulsory traffic insurance is mandatory insurance, car owners must buy compulsory traffic insurance to buy a car, if you do not buy compulsory traffic insurance, you will drive on the road, and be found by the traffic police, the most serious may be detained. However, its ** is also very low, the scope of compensation is not small, and it is also cost-effective for car owners to buy compulsory insurance.

2. Car damage insurance.

Nowadays, there are more and more cars, and even if you park on the side of the road, you can be hit, and it is not easy to find the perpetrator. If you have car damage insurance, the insurance company will be responsible for the loss. And it is inevitable that there will be some scratches when driving, and if the owner bears all of them, it may be a little expensive, and after having car damage insurance, the insurance company can bear part of it.

3. Three insurances.

If a car collides with a car, it is not only our car that is injured, but also those who collide with us, and if it is our liability to slow down, then we will have to pay compensation. If you buy three insurance, then this compensation will be borne by the insurance company, generally the purchase of three insurance is 1 million, such a high amount of compensation is enough to cover most of the compensation. If there are many luxury cars in the area where the owner is located, then it is recommended that the owner will insure the amount.

Improve, anyway, it's just a few hundred dollars.

4. Deductible insurance is not included.

This type of insurance is actually an additional insurance, mainly because when the insurance company pays compensation, part of the amount can be exempted, so the rest of the compensation must be borne by the car owner. If you buy deductible insurance, then the insurance company must compensate in full, as long as the compensation is in the insured amount, it does not require the owner to pay half a penny.

These 4 types of car insurance are the most common and cost-effective car insurance, and ordinary cars are only used to disturb these car insurance. Of course, car owners can also choose according to the actual situation, after all, everyone's car environment is different.

It is very cost-effective to take insurance for car damage, because the purpose of buying car insurance is to deal with various emergencies.

According to the insurance standards in July 2021, compulsory traffic insurance, vehicle and vessel tax and commercial insurance, not counting luxury cars, are generally around 2,500-8,000 yuan.

The premium of compulsory traffic insurance is directly related to the number of seats in the car, whether it is out of insurance, whether it is out of insurance, and the transfer of ownership. Vehicle and vessel tax is directly related to the displacement of the vehicle and the number of people on board; Commercial insurance is directly related to the price of the car body, the amount of insurance, and the amount of insurance.

Commercial auto insurance is divided into main insurance and additional insurance. The main insurance includes: car damage insurance, third party liability insurance, full car theft insurance, vehicle personnel liability insurance, and additional insurance includes:

Separate glass breakage insurance, body scratch insurance, spontaneous combustion loss insurance, wading driving insurance, unable to find a third party liability insurance, deductible insurance, etc.

Insurance law can be divided into the following four types:

1. Insurance Law.

The Insurance Business Law, also known as the Insurance Supervision Law, is a legal norm that regulates the relationship between the state and insurance institutions. All the relevant laws regulating the establishment, operation, management and dissolution of insurance institutions belong to the Insurance Business Law. The Interim Regulations on the Administration of Insurance Enterprises promulgated by the People's Republic of China on March 3, 1985 make specific provisions on the establishment of insurance enterprises and Chinese people's insurance companies, which are in the nature of insurance industry law.

2. Insurance Contract Law.

The Insurance Contract Law, also known as the Insurance Contract Law, is a legal norm that regulates the relationship between the parties to an insurance contract. The insurance relationship between the insurer and the insured party is determined through the insurance contract, and all laws related to the signing, modification and termination of the insurance contract and the rights and obligations of the parties are all insurance contract laws.

The provisions of the Economic Contract Law of the People's Republic of China on insurance contracts, the Regulations of the People's Republic of China on Property Insurance Contracts promulgated on September 1, 1983, etc.