What are the factors that affect car insurance rates?

1) Vehicle nature factors: due to the different uses and performance of vehicles, the risk status caused by them is different, and the vehicle rate standard fluid is different. Generally speaking, there is a big difference in the degree of risk between private cars and business vehicles, passenger cars and off-road vehicles, cars and trucks, new cars and used cars, etc.

In addition, whether or not seat belts, airbags, GPS and other positioning equipment are installed or equipped also have a certain impact on the rate.

2) Regional factors: Due to the different natural conditions in different places, the risks are also different. The security situation, vehicle density and population density of the vehicle location are closely related to the loss rate of the vehicle, if the security situation in your area is not good, it is easy to cause traffic accidents, and the natural vehicle rate will fluctuate.

In addition, the location of the vehicle also has an impact on the rate, and the policyholder with a fixed parking space has a certain discount on the vehicle rate than the policyholder without a fixed parking space.

3) Human factors: The technical level, safety awareness, violation records, and claim records of car owners are also one of the factors affecting car insurance rates, so car owners will try their best to drive safely in order to enjoy the preferential vehicle rates. Many insurance companies pay attention to this factor, for example, Ping An Auto Insurance has launched a preferential vehicle rate campaign for safe driving.

Owners who do not have a record of violation or claim can enjoy special discounts on the vehicle rate for the next year, and the vehicle rate will be reduced.

4) Value-added factors: The factors that affect the insurance company's determination of the auto insurance rate also include the provision of rescue services, legal affairs services, risk consulting services, as well as the number of insured vehicles, the preferential treatment of no compensation, the size of the deductible in the special contract, the type of insurance and the limit of insurance liability, etc.

The number of accidents is a big factor.

Now the new policy has come out, the cost has increased, but the private rebate can still be requested by the salesman In addition, the compulsory traffic insurance must be bought, otherwise it will not be able to go on the road, and the rest is the commercial insurance, which mainly has four main insurances: car damage insurance, three insurance, car personnel liability insurance, theft insurance. There are five main add-ons:

Glass scratches Spontaneous combustion Not subject to deductible Special engine damage insurance. Car insurance installment is looking for horn installment! With the type of insurance that suits you, now, you can have car insurance or full insurance installments

The impact of the main driving area on the car insurance rate: a lead stupid jujube like a lead and a foolish date to include Hong Kong, Macao, Taiwan, and international may increase the rate. It is equivalent to the ratio of the premium payable to the insured amount. (Rate, Premium, Amount Insured).

The insurance rate is the standard for the insurer to charge the insurance premium to the policyholder according to the amount insured by the unit. The insurer underwrites a file guess insurance business, and multiplies the insurance amount by the insurance rate to obtain the insurance premium to be charged for the business.

There will be a discount for buying insurance for a new carHowever, if the main driving area is specified, then the premium will be discounted even higher.

However, if you specify the main driving area, but if you have insurance in other provinces, it may be more troublesome to settle the claim, and the payout will be less.

Compute. The motor vehicle insurance rate table is formulated by the Insurance Association of China on the premium collection guidelines for the commercial auto insurance industry, the full name is the "basic rate table of the motor vehicle commercial insurance industry". It is divided into three paragraphs: A, B, and C, and there is little difference between the terms, and each insurance company can choose one to implement.

The motor vehicle insurance rate table makes specific provisions on the calculation standards of all commercial insurance types, including four basic insurances and more than 10 additional insurances, and clearly defines the benchmark premiums, rate coefficients and other elements according to the different situations of each region.

Each insurance company can calculate the specific amount of the benchmark premium bridge bureau according to the motor vehicle insurance rate table, and then decide the range of discount according to the company's decision-making; Interested car owners can also calculate the corresponding premium expenses accordingly, and then compare the ** of various insurance companies horizontally on the basis of Minnarang.

Generally, there will be a discount for new car insurance, but if you specify the main driving area, then the premium will be discounted even higher.

However, if you pretend to be the main driving area, Wang lacks cherry blossoms, but if there is insurance in other provinces, it may be more troublesome to settle the claim, and the compensation amount will be less

That's all there is to it.

Now for private cars, it is generally within the scope of the whole year's celebration, but there are also provinces in the spike, you have to see clearly, if it is relatively cheap in the province, but once you leave the city it means that your car is no longer insured, out of any accident losses by yourself.

This is an additional type of insurance for the company (PICC, China) in terms of clause A, with a premium discount of 10% but to underwrite the main insurance (three insurance and car damage insurance), it is recommended not to underwrite, and now the loss is buried in many insurance companies have not implemented this additional insurance. Empty oak.

Summary. Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you.

[Insurance information inquiry is time-consuming, your problem is normal after ten minutes, please be patient and wait for ......What are the factors that affect car insurance rates?

Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you. [Insurance information inquiry is very time-consuming, after ten minutes your questions are very serious, please be patient and wait for ......Hunger.

The main factors that affect the car insurance rate are: the number of car violations, the number of accidents, and the age of the car.

After the reform of car insurance, a scoring rule was carried out on the original basis, and the number of car owners' violations (whether it was dangerous driving) was also included in the assessment factors, and the overall score was made. State accompaniment.

Commercial auto insurance rates are determined by the following factors:

1.Vehicle nature factors. Depending on the purpose and performance of the vehicle, the resulting risk profile will be different, and the vehicle rate standard fluid will be different.

2.Geographical factors. Due to the different natural conditions in different places, the risks are also different.

3.The human factor. The owner's technical level, safety awareness, violation records, and claim records are also one of the factors that affect the car insurance rate.

4.Value-added factors. The factors that affect the insurance company's determination of the car insurance rate also include the provision of rescue services, legal affairs services, risk consulting services, as well as the number of insured vehicles, the preferential treatment of no compensation, the size of the deductible in the special contract, the type of insurance and the limit of insurance liability, etc.

1. The difference between deductible and car damage insurance.

1. Deductible insurance is an additional type of car insurance, as long as the owner of this insurance is insured, he can transfer 5% to 20% of the compensation liability that should be borne by himself to the insurance company. Because this rider has comprehensive coverage and relatively cheap rates, it is very popular with car owners as soon as it is launched. When purchasing car insurance, car owners should separately insure car damage insurance and third-party liability insurance without deductible insurance, so as to maximize their own claim rights.

2. Vehicle damage insurance means that the insured or its permitted driver has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range.

2. How to deal with the failure to pay compulsory traffic insurance for 1 year.

The handling of the failure to pay the compulsory traffic insurance for 1 year is as follows: the compulsory traffic insurance should be insured in a timely manner, and the general insurance method is as follows:

1. The policyholder needs to prepare ID card, vehicle driving license and driver's license and the previous year's insurance policy, and the bus insurance also needs the organization's ** certificate;

2. You can submit the insurance materials and complete the payment through the 4S store, insurance company outlets, insurance companies or online car insurance platforms. According to the relevant laws and regulations, compulsory traffic insurance is the first compulsory insurance system implemented by national laws and regulations in China. 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.

Article 2 of the Insurance Law, the term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the liability for compensating the insurance money for the property losses caused by the occurrence of the accident that may occur as agreed in the contract, or assumes the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Car insurance adds security to vehicle travel, but car insurance premiums are also a lot of expenses. What factors are taken into account when calculating car insurance premiums?

First of all, the type of insurance.

For example, the premium of compulsory traffic insurance = fixed premium * floating coefficient, the premium of commercial third-party liability insurance and vehicle personnel liability insurance = the insured amount * rate, and the premium of vehicle loss insurance and total car theft insurance = fixed premium + insured amount * rate; The premium for riders is generally the sum insured * rate, which is multiplied by the preferential rate if there is a discount for the type of insurance.

Secondly, the model, the value of the vehicle, and the service life.

For example, commercial vehicles and non-commercial vehicles, cars and passenger transit vehicles, etc., different models affect the risk of the vehicle, which translates into different insurance rates. The value of the vehicle will affect the choice of the amount of insurance, such as car damage insurance and theft insurance, etc., should be equal to the value of the vehicle, higher than the value of the vehicle is invalid, and lower than the value of the vehicle cannot be effectively guaranteed. The age of the vehicle also affects the risk of driving the vehicle and the value of the vehicle, which in turn affects the rate.

Thirdly, others.

Such as the driving level of the vehicle driver, safety awareness, car insurance records, the geographical scope of the vehicle, etc.

In short, the factors that affect driving safety and increase the risk of traffic accidents will have an impact on the premium of car insurance.

1. Driving record.

When applying for car insurance in the second year, the insurance company will look at whether the owner has a bad driving record, such as drunk driving, etc., in short, drive carefully and have no accidents, then you will want to have a certain discount when you apply for car insurance in the second year. At the same time, the age of the driver, whether they are new to the driver, and whether the vehicle is often driven by one person or two people are also factors that affect the premium.

2. Car model.

Each insurance company has different risk values for different models and years. Put simply, the higher the value of the car, the higher or more popular it is, and the higher the premium.

3. Driving area.

Two of the same private cars will have different premiums for driving in urban areas and often traveling long distances. Not only that, but some insurance companies will even take into account whether your car will be parked in a garage or an underground public parking lot in front of your home when determining your premium.

4. Whether it is continuously insured.

If there is a reasonable reason, such as a business trip or travel for two or three months, during which the vehicle will not be used, most insurance companies will agree to temporarily stop your car insurance, and then resume the insurance according to the original ** after you return. But if there is no good reason, they may think that you have an ulterior motive to stop the insurance and will consider you as a new customer when they resume, which usually means a premium increase.

5. Accident claim records.

This is the same as the driving record, if the owner has no insurance claim record in the previous year, then in the second year of car insurance will also enjoy a certain ** discount; On the contrary, if the car owner has been out of insurance for many times, the cost of car insurance is not only not discounted, but there is also a risk of premium**.

1. How much should I pay for vehicle insurance?

The composition of the vehicle damage insurance premium is:

Vehicle Damage Insurance Premium Basic Insurance Premium Insured Amount x Rate ( ).

Third party liability insurance charges a fixed premium according to the type of vehicle and the nature of use.

In the automobile insurance business, motor vehicles are divided into passenger cars, trucks, trailers, tank trucks (including fuel tankers, tankers, liquid tankers, refrigerated trucks), special vehicles, motorcycles, tractors and other types, as well as domestic and imported two categories, respectively, with different insurance rates.

At the same time, according to the nature of the use of vehicles, vehicles are divided into: non-operating vehicles, that is, vehicles used by party and government organs at all levels, social organizations, enterprises and institutions or vehicles limited to personal and family life; Commercial vehicles refer to vehicles engaged in social transportation and charging fees. For vehicles that take into account the nature of both types of use, the high-grade rate will be calculated.

Vehicles can also be divided into four types of use, such as administrative vehicles, production vehicles, business vehicles, and rental vehicles, and different charging standards are implemented.

Each insurance company usually lists the car insurance rates implemented in the form of **, and the policyholder should read it carefully and choose carefully.