How much is the insurance for a new car for one year, and how much is the insurance for the second y

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.

After the new car arrives, many car owners will buy insurance for the vehicle, so how much does it cost to have full insurance for a new car a year, and what are the benefits of full insurance? This question may be one of the eternal topics that many people will ask, and as long as it is a big question that anyone who buys a car will be concerned about. In fact, this issue covers a wide range of things, and it involves many things, which is very general.

However, when you can buy full insurance, you need to know what are the types and types of insurance. So let's briefly understand that the commercial insurance of the vehicle is divided into main insurance and additional insurance. The main insurance is divided into:

There are five categories of car damage insurance, total car theft insurance, third-party liability insurance, and vehicle personnel insurance, excluding deductibles. Additional insurances include: spontaneous combustion loss insurance, new equipment loss insurance, glass breakage insurance, no-fault liability insurance, wading insurance, etc., and the additional insurance is different according to the distinction of each insurance company.

So how much is the full insurance for a new car for a year, and what insurances are included? To give you a simple example, consider that most families buy a vehicle with a value of about 100,000 yuan for economic adaptation, take it as an example. The first one, of course, is 950 yuan of compulsory traffic insurance, which is not said to be paid; Next, the car damage insurance is about 1,000 yuan, and the third-party liability insurance can choose to insure 50,000, 100,000, and 200,000 yuan, if it is calculated according to 100,000 yuan, it is 600 yuan, and the theft insurance is about 300 yuan. Secondly, when it comes to the people on the bus, if it is calculated according to 5 seats, 10,000 yuan per seat is about 100 yuan; And then to this, the above items are not deductible, if they add up, the cost is about 400 yuan.

Finally, it came to the risk of additional insurance, 50 yuan for spontaneous combustion insurance, 100 yuan for glass breakage alone according to domestic glass, 300 yuan for scratch insurance and more than 50 yuan for deductibles other than these three. Therefore, the cost of full insurance for one year on a new car is about 4,000. So if you calculate it this way, the cost of a year is not very high, but it is really worth buying.

Of course, how much is the new car insurance depends on the specific price of the vehicle, as well as the insurance company that chooses to insure, the corresponding premium is high if the vehicle value is high, and the cost of full insurance for one year set by each insurance company is also inconsistent, so when you buy, you can refer to several large insurance companies with good reputation, so that you can make a better choice.

Hope this helps.

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

How much is the insurance for the second year of the car depends on whether you have had an accident during the year, but the changes in the rates of compulsory traffic insurance and commercial car insurance do not affect each otherThe rate floating standard of commercial auto insurance only refers to the number of commercial auto insurance accidents, and is not affected by the number of compulsory traffic insurance accidents, so is there a difference in the rate changes of each type of insurance, of course, there is a difference, I will give you a detailed analysis here:What are the types of car insurance? Do you want to buy them all?

The premiums of compulsory liability insurance and commercial insurance are related to the number of accidents, but the two are calculated separately.

Here's an example:

If only compulsory traffic insurance is issued this year, and no commercial insurance is used, then the premium of compulsory traffic insurance will be affected, and commercial insurance will still enjoy corresponding discounts;

If only commercial insurance is issued this year, and no compulsory insurance is used, then the premium of commercial insurance will be affected, and the compulsory insurance will still enjoy the corresponding discount.

It should be noted that if any type of insurance is used for commercial insurance, the overall premium of commercial insurance will be affected.

Nationally, in the absence of a significant change in your coverage or vehicle status (e.g., vehicle age):

No Floating Changes:

In the previous year, there was no insurance by 15%, two consecutive years without insurance by 30%, and three consecutive years without insurance by 40%.

There are floating changes that are out of danger:

The premium of customers who have been insured for 1 time in the previous year will not float, and the premium for 2 times in the previous year will be increased by 25%, 50% for 3 times, 75% for 4 times, and so on.

Hello subject, the premium of the second year of car insurance depends on the insurance situation of the previous year, and the premium of the insurance is different from that of the previous year.

1.Compulsory traffic insurance

The payment standard for the second year of compulsory traffic insurance depends on whether the car owner is out of insurance. If there is no insurance in the second year, then the compulsory insurance will beOffers

If it continues to be out of danger in the third year, the compulsory traffic insurance will20% off.

Under normal circumstances, the preferential ratio increases year by year, up to 30.

Regarding the compulsory traffic insurance, there are still a few points to pay attention to, the senior sister has helped the subject to summarize, please poke:

Everything you want to know is here!

2.Commercial auto insurance

Commercial auto insurance is also entitled to a discount if it has not been insured in the previous year, but there is no fixed algorithm for the "second year discount" of commercial auto insurance, noThe same insurance company will have a corresponding premium floating formula.

At the same time,The driving skills of the owner, whether the driver is designated, and whether the driving area is designatedand other factors on the premium alsoInfluential.

1.Compulsory traffic insurance

What will happen to the premiums of compulsory liability insurance that have been taken out in the previous year? If there was a traffic accident in the previous year that did not involve a fatality, the premium will remain the same; If there are two at-fault traffic accidents in the previous year that do not involve death, then the premium is discounted by 11%; If there has been a fatal accident in the previous year, the premium is discounted by 13%.

In short, if there is a traffic accident accident in the first year, the premium will remain unchanged or**.

2.Commercial auto insurance

What happens to the premium of commercial auto insurance in the second year?

Under normal circumstances, commercial auto insurance is insured less than twice a year, and the premium for the second year will not be **, and the change is only the preferential ratio, which is usually adjusted by the discount coefficient around the left.

Compulsory traffic insurance and vehicle and vessel tax: compulsory insurance for private cars, the first year: 950 yuan for 5 seats, 1100 yuan for 6-8 seats, 855 yuan for 5 seats, 990 yuan for 6-8 seats, and 760 yuan for 5 seats in the third year.

6-8 seats 880 yuan, the fourth year: 5 blocks 665 yuan, 6-8 seats 770 yuan, the fifth year: 5 blocks 665 yuan, 6-8 seats 770 yuan or more premiums, and the insurance, out of insurance, transfer, any one of the changes, the premium will be recalculated.

Car insurance is divided into compulsory traffic insurance and commercial car insuranceCompulsory traffic insurance is a must for every car owner, if you don't buy it, you won't be on the road, and you will be fined if you are caught, while commercial car insurance is purchased by yourselfWhat are the commercial auto insurances? Which ones are worth buying? What are the types of car insurance?

1.Compulsory traffic insurance

According to whether the vehicle is for personal use, whether it is a business vehicle, whether it is a truck, whether it is a special vehicle, etc., the compulsory traffic insurance divides the vehicle into 8 categories and 42 sub-categories. The premiums of different models are different, and ** are unified across the country.

However, due to the different models, the standard of compulsory traffic insurance in the first year is also different, and the main influencing factor is the number of seats in the car. In general,The cost of compulsory traffic insurance for private cars with less than 6 seats is 950 yuan, and the cost of compulsory traffic insurance for private cars with more than 6 seats is 1,100 yuan

The following premiums will be adjusted according to your insurance situation

If there is no at-fault traffic accident for one consecutive year, then the premium10% reduction

If there is no at-fault traffic accident for two consecutive years, then the premium20% reduction

If there has been no at-fault traffic accident for three consecutive years or more, then30% reduction

If there has been a fault traffic accident in the previous year that does not involve a fatality, thenPremiums remain unchanged

If there were two at-fault traffic accidents in the previous year that did not involve death, then the premiumIncrease by 10%.

If there was a at-fault traffic accident involving death in the previous year, then the premiumIncrease by 30%.

2.Commercial auto insurance

The premium for the second year of commercial auto insurance will be affected by 4 factors:Autonomous underwriting coefficient, independent channel coefficient, traffic violation coefficient, and floating coefficient of claim record.

Self-underwriting factor:It mainly involves the risk factor of the vehicle itself, such as the brand, driving area, mileage, etc. As well as the driver's driving habits, driving experience, gender, and so on.

Autonomous channel coefficient:It mainly refers to the fact that insurance companies can set channel coefficients according to the internal control management and cost accounting of marketing channels such as **, network, stores, intermediaries, etc., and independently formulate channel pricing strategies and coefficients within a certain range.

The specific criteria will vary from insurance company to insurance company, but there is not much difference, and the specific criteria are subject to the insurance company. Of course, it is also very important to renew the car insurance in the second year, and it is necessary to renew the insurance in time, otherwise the consequences of losing the insurance will be very serious: how harmful is the >> car insurance going out of insurance?

After a year of car insurance, for experienced car owners, they may know more about the calculation of car insurance costs, so do you know how to calculate car insurance costs? Let me give you a detailed introduction to the calculation of car insurance costs for the second year.

Insurance experts explain that when paying the insurance premium for the second year, it is necessary to separate commercial insurance and compulsory traffic insurance, because the nature of these two types of insurance is different, so there may be differences in the calculation method of premium.

The ** of compulsory traffic insurance is floating, so the fees that need to be paid in the second year will be calculated according to the number of times the car owner has been insured, traffic accidents, etc.

For example, if Mr. Li does not have insurance in the first year, then the insurance he needs to pay in the second year can be discounted by 9%, and the insurance in the third year is discounted by 8%. However, if you have an insurance trip in the first year, you will not be able to enjoy the discount in the second year, and you still need to pay the same fee as in the first year; If the insurance is insured twice, the rate will be increased by 10%, and if a responsible road traffic fatality occurs in the previous year, the compulsory traffic insurance** will be increased by 30% in the second year.

Regarding the calculation of car insurance costs, in addition, if there is a case of drunk driving, according to the regulations of the place where the owner of the car is located, the compulsory traffic insurance rate for drunk driving violations is controlled between 10% and 15%. In other words, the more a driver breaks the law, the more compulsory insurance fees he or she will pay in the second year, with the fundamental purpose of encouraging safe driving and preventing traffic accidents.

In addition to the cost of compulsory insurance, the second year insurance premium of the car also includes the cost of commercial insurance. Commercial insurance will also implement a floating rate according to a number of factors, one of the most important principles is that if you have more insurance records in the first year, the insurance premium will rise in the second year, and if you have less insurance records, you can enjoy premium discounts.

Usually, insurance companies stipulate the following three situations:

1. There was no accident in the first year;

2. The number of accidents is less than two (including two);

3. The amount of compensation paid in the first year is lower than the amount of premium.

If the car owner meets all three of the above criteria, then the car owner car insurance cost calculation will receive discounted coverage for the following year**. If the car owner has multiple accidents in the first year, the insurance premium for the second year of the car will definitely be **, even higher than the premium for the first year.

How is the cost of car insurance calculated for the second year? Through this sentence, we can know that the calculation of car insurance costs will also be divided into the first year and the second year, so the car owner thinks about his own long-term interests, so he should pay special attention to traffic regulations in ordinary driving and avoid violations.

I have no experience when I buy car insurance in the first year of a new car, but I should pay attention when I renew my insurance in the second year, because buying the right car insurance not only saves money, but also provides comprehensive protection! Senior sister shares with you a renewal secret: what should I do when my car insurance expires? How to renew the insurance in a cost-effective and reliable way?

Car insurance is divided into:Compulsory traffic insurance and commercial vehicle insurance, the premium is calculated differently.

1. Compulsory traffic insurance:

The occurrence of compulsory liability insurance will affect the renewal cost of the next yearFor those vehicles that have an accident record or drunk driving illegal driving behavior, the compulsory traffic insurance rate will rise in the next year, and the vehicle with a good record can enjoy a certain preferential rate when the insurance is renewed. More knowledge of compulsory traffic insurance is explained here:

Everything you want to know is here!

The premium of the second year of compulsory liability insurance fluctuates:

Float down:

There were no traffic accidents in the previous year10% off.

Float:

1.First insured or one traffic accident (no fatalities) in the previous year - base premium.

2.2 or more traffic accidents (no fatalities) in the previous year - 10% additional fee.

3.In the event of a traffic fatality in the previous year--- 30% surcharge.

So if there was no accident in the previous year5-seater family car, the second year's premium is:855 yuan

2. Commercial auto insurance:

Of course, there is also commercial auto insurance"Good Car Owner Reward"., no insurance in the previous year, there are still corresponding discounts this year.

The so-called no-insurance discount is not a discount on the basis of the cost of insurance for the first time car owners, but a discount on the basis of the benchmark fee, and this benchmark fee is set by the insurance company itself, which is different from year to year.

Commercial car insurance is not mandatoryThe discount coefficient can be adjusted by the insurance company within a certain rangeThere will be differences between different insurance companies, depending on the insurance company.

The plan of each car is different, the premium is naturally different, and the ** terms of car insurance are uniformly stipulated by the insurance industry association, as an ordinary car ownerIt's good to know how to buy the best dealThe calculation is left to the professional staff of the insurance company.

How much does a fully covered car insurance plan cost, and how to buy the best deal? There is also a tip to give to all car owners: buy too much and waste, buy less and suffer a loss! How much does it cost to buy car insurance a year?