How much car insurance to buy, how much car insurance to buy

Hello. How much car insurance sells depends on your insurance needs.

First of all, compulsory traffic insurance is to be bought, if it is a private car, the general five-seater car is 950 yuan in the first year, and the second year according to the situation of the first year, if there is no insurance, there is a discount.

In addition to compulsory traffic insurance, it is commercial vehicle insurance to be insured, which is basically divided into two categories, one is basic insurance, which mainly includes third-party liability insurance, vehicle loss insurance, theft insurance, driver's seat liability insurance and passenger seat liability insurance.

The second type is additional insurance, including wading insurance, spontaneous combustion insurance, scratch insurance, glass breakage insurance and special insurance without deductible.

The specific type of insurance should be determined according to the new and old vehicles and the level of driving. Make a car insurance package according to your needs.

The amount of car insurance to buy depends on the car insurance portfolio, which generally ranges from about 1,000 yuan to several thousand yuan.

Hope mine is helpful to you.

Car insurance, compulsory traffic insurance, car damage insurance, three insurance must buy, three insurance generally underwrites about 200,000 yuan, other if it is a new car, you can guarantee scratch insurance, glass breakage insurance, after all, it is a new car, or a little more full, if it often rains locally, resulting in water accumulation on the road, you can add a wading insurance, as well as car personnel liability insurance, divided into drivers and passengers, this you can according to your own personal needs, see how much insurance is appropriate, regardless of deductibles is also a must-buy. There are also small types of insurance that you decide on your own, such as theft insurance (the scope of liability is:

The whole car was stolen and robbed for more than 48 hours, with proof from the relevant law enforcement authorities).

Depending on the type of insurance, the amount is not communicated, and the amount of insurance is different, and the premium amount is different.

Car insurance is about 2,000 yuan a year.

The cost-effective options for car insurance are as follows:

1. Compulsory traffic insurance + car damage insurance + third-party liability insurance + on-board personnel liability insurance + deductible + glass breakage insurance + scratch insurance + unable to find a third-party special insurance; This plan is expensive, but it can not only compensate others, but also protect your own losses if you accidentally make a mistake.

2. Compulsory traffic insurance + car damage insurance + 1 million third-party liability insurance + deductible for old drivers; Old drivers have more driving experience and have a higher chance of avoiding risks in daily driving, so in terms of insurance types, you can choose the heaviest car to buy.

3. In coastal cities or areas with many rains and typhoons, it is recommended to purchase wading insurance; Car damage insurance does not cover the damage caused by water ingress into the engine, so if you often drive in areas that are prone to water accumulation, it is a very good choice to purchase wading insurance; However, the vehicle must not be started a second time when the vehicle wades into the water and turns off the fire, otherwise the insurance company will not pay anything.

4. In addition to the recommended plan for new and old drivers, some additional insurance needs to be bought according to the actual situation; Cars that are more than three years old may need to buy a spontaneous combustion insurance, which can be done within 200 days, but friends who are ready to change cars choose to ignore it; The whole car theft insurance is too controversial to buy and it is not recommended to buy, and only when the entire car is missing can it be compensated by the insurance company.

5. The third-party liability insurance and the liability insurance of the occupants need to purchase the corresponding amount of insurance; With more and more local tyrants, the first personal injury compensation is getting higher and higher, the third-party liability insurance is best to buy 1 million or more, and the insurance amount of the car personnel liability insurance is best to choose 20,000 drivers and 10,000 passengers per person.

How much does it cost to buy a car insurance nowCar insurance is generally 4,000 yuan a year, and the cost of specific types of insurance is also different.

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;

Now how much car insurance generally costs a year.

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 do not 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.

1. Scope of exemption and non-compensation of compulsory traffic insurance.

1. Personal injury and property loss caused by the victim's intentional behavior, such as suicide, self-harm, porcelain bumping, etc.;

2. The insured vehicle personnel and the insured as specified in paragraph 3 of the Regulations on Compulsory Insurance of Traffic Accident Liability;

3. Arbitration or litigation fees and other related expenses caused by traffic accidents;

4. Indirect losses, such as the impairment of the value of the vehicle due to a collision.

2. Compulsory traffic insurance receives reports and accepts claims.

1. After receiving a report from the insured or the victim, the insured or victim shall inquire about the relevant situation and immediately inform the insured or victim of the specific compensation procedures and other relevant matters.

If the person involved ** or the party involved in the accident is not insured, the party involved in the accident should be reminded to report to the local traffic management department immediately.

2. The insurer shall make a detailed record of the report and file it for management in a unified manner.

3. If a traffic accident occurs in the insured motor vehicle, the insured shall apply to the insurer for compensation for insurance money.

The insurer shall, within one working day from the date of receipt of the compensation application, inform the insured in writing of the certificates and materials related to the compensation that need to be provided to the insurance company in the form of a claim notice. The insurer shall, within 5 working days from the date of receipt of the certificate and materials provided by the insured, make an assessment of whether it is an insurance liability and notify the insured of the result; If it does not belong to the insurance liability, the reasons shall be explained in writing; If it is the liability for insurance leakage, the insurance money shall be compensated within 10 working days after the compensation agreement is reached with the insured.

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Summary. The three types of insurance that must be bought for car insurance are about 2,000 yuan in total, specifically: 1. Compulsory traffic insurance:

950 yuan for 6 or less for households, 1100 yuan for 6 or more for families, commercial insurance is conventional insurance, and if you have the financial ability, it is a total of conventional insurance to be fully insured. (At present, the average discount of insurance companies is 77) 2. Car damage insurance: After the reform, the scope of car damage insurance has been expanded, and the coverage of additional insurance such as fuel insurance, water insurance, glass insurance, and theft insurance has been merged.

Vehicle loss insurance: (buy a car with cash** This is to be fully insured, on average, the annual premium of car damage insurance is about 800 yuan; 3. Third Party Liability Insurance: (Amount of Compensation:

50,000, 100,000, 200,000, 500,000, 1 million) If the economic ability can, I recommend buying a 300,000 grade, so that even if a person is killed, or a high-end car is scrapped, it is guaranteed (400,000 three liability insurance, enough to be guaranteed) Generally speaking, a car of about 100,000 yuan, the annual premium of third-party liability insurance is about 500-800 yuan.

What to buy car insurance generally costs in general.

Hello dear! 2000-3000 yuan.

The three types of insurance that must be bought for car insurance are about 2,000 yuan in total, specifically: 1. Compulsory traffic insurance: 950 yuan a year for 6 seats and below for households, 1,100 yuan a year for more than 6 seats for families, commercial insurance is a conventional insurance, and if the economic ability is possible, it is a total of conventional insurance to be fully insured.

(At present, the average discount of insurance companies is 77) 2. Car damage insurance: After the reform, the scope of car damage insurance has been expanded, and the coverage of additional insurance such as fuel insurance, water insurance, glass insurance, and theft insurance has been merged. Vehicle Damage Insurance:

Cash to buy a car** This is to be fully insured, on average, the annual premium of car damage insurance is about 800 yuan; 3. Third-party liability insurance: (compensation amount: 50,000, 100,000, 200,000, 500,000, 1 million) If the economic ability can, I recommend buying 300,000 grades, so that even if a person is killed, or a high-end car is scrapped, there is protection (400,000 three liability insurance, enough to be guaranteed) Generally speaking, a car of about 100,000 yuan, the annual premium of third-party liability insurance is about 500-800 yuan.

What to buy for a new car.

Compulsory traffic insurance, car damage insurance, and three insurances.

Car damage insurance.

Just these four. Yes.

Hello, I am very happy to answer for you, car insurance generally chooses compulsory insurance, car damage chain insurance and the third liability insurance is enough, the three insurances add up, 4000-4500 yuan a year, of which the third liability insurance is recommended to buy 1 million insurance car damage insurance and the three insurance are commercial auto insurance, the premium ** slag is not unified, you can compare multiple insurance companies after insurance, the premium of compulsory traffic insurance is the national unified filial piety, the first year: 5 950 yuan, 6-8 1100 yuan.

Legal analysis: How much car insurance costs a year depends on the type of car insurance insured:

1. The premium of compulsory traffic insurance for ordinary private cars in the first year is 950 yuan, and if there is no insurance in the first year, the compulsory traffic insurance in the second year will drop by 10%;

2. Commercial auto insurance is divided into main insurance and additional insurance, and the main insurance mainly includes third-party liability insurance, vehicle damage insurance, theft insurance and vehicle personnel liability insurance.

If you want to be fully protected, in addition to compulsory insurance, you will generally insure several main insurances, and then add several additional insurances according to your personal situation, and the premiums of these types of insurance together are about 5,000 to 7,000 yuan a year.

Legal basis: Regulations on Compulsory Insurance of Traffic Accident Liability of Jisoxiang Motor Vehicle

Article 2 The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall, in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China, take out compulsory insurance for motor vehicle traffic accident liability.