How much will the insurance increase in the second year of the vehicle s insurance?

The premium of car insurance will not increase in the second year after one accident.

But there is no discount, the benchmark premium of commercial insurance is 4,000 yuan, and if there is no insurance for one year, the premium will be reduced to 3,400 yuan in the next cycle; If the insurance is out once, the premium for the next cycle is still 4,000 yuan.

There are two scenarios for the premium to change in the second year after one accident

The first scenario is that the premium will increase. If you are insured by the same company, you have to pay a premium if you are insured once in the first year and you are ready to renew it in the second year. The reason for this situation is that the insurance company compensated a large amount in the previous year, and the insurance company will naturally use other ways to make up for its own losses in the previous year.

In addition, if you have a large amount of compensation for the insurance company in the first year, the insurance company will think that this situation is also likely to occur this year, so the insurance company can only increase the insurance amount of the customer by increasing the premium.

The second scenario is that the premium will remain the same for the second year. First of all, once in a year, it is a relatively small number of accidents, and if the insurance company's compensation is not very high, then the insurance company will not increase it under normal circumstances.

The cost of insurance. If the premium is increased without causing a huge loss after just one accident, then someone may go to another insurance company to buy insurance.

Under normal circumstances, insurance companies will not increase the cost of insurance, unless the amount of compensation in the previous year is too high, I hope that all car owners can drive safely.

Hello dear! On the question of how much the insurance will go up in the second year of the vehicle's insurance.

In the second year of vehicle insurance, the insurance will increase by 10%-30%. How much insurance will increase in the second year after the vehicle accident is related to the type of insurance, the number of accidents, the severity of the accident, etc. Nowadays, the basic cost of ordinary private car compulsory insurance is 950 yuan, if there is a responsible road traffic accident that does not involve death within a year, the compulsory traffic insurance will not rise or be preferential in the coming year, and the commercial insurance can enjoy 85% off.

If there are more than two accidents in one year, the premium of the second year will increase, and it will rise by 10%-30%, and the actual accounting results of the insurance company shall prevail, if there is no insurance within one year, the premium of the second year only needs to pay 855 yuan, and if there is no insurance in the last two years, the premium only needs to pay 760 yuan.

I hope my answer will help you, dear.

Will the premium for the second year of <> car insurance go up once? This article will introduce in detail the increase in the premium of the second year after the first accident of car insurance, and how to reduce the premium after the accident.

1. Will the premium of the second year increase if the car insurance is insured once? Generally speaking, after the car insurance is out once, the premium in the second year will increase to a certain extent, but the specific increase depends on the specific situation of the insurance.

2. How much will the premium increase in the second year after the accident? If the accident is more serious, such as the damage to the vehicle, then the premium for the second year may rise more sharply, and the increase may reach 50% to 60%. If the accident is not very serious, such as just a small bruise, then the premium increase in the second year may be relatively small, and the increase may only be 10% to 20%.

3. How to reduce the premium after the accident? If you want to reduce the premium after the accident, you should first repair the vehicle, because after repairing the vehicle, you can let the insurance company see the actual condition of the vehicle, so as to reduce the premium for the second year. Secondly, you can consider changing insurance companies, because different insurance companies** may have certain differences, and changing insurance companies can allow you to enjoy more favorable **.

4. After the car insurance is insured once, the premium for the second year will increase to a certain extent, and the specific increase depends on the specific situation of the insurance. If you want to lower your premium, you should fix your vehicle first and then consider changing insurance companies to get a better deal**.

The premium for the second year of Ping An Auto Insurance is calculated as follows:

1. Compulsory traffic insurance:

1. If there is an accident in the previous year and a fatal accident is involved, the second smooth annual premium will be increased by 30%;

2. If there is one accident in the previous year but no fatal accident is involved, the premium for the second year will not be discounted;

3. If there are two or more accidents in the previous year, the premium will be increased by 10% in the second year.

2. Empty delay, commercial insurance:

A one-time vehicle accident will not have much impact on the commercial insurance rate. Generally, if you have a non-liability traffic accident in the previous year, the premium will not change much in the second year, but if you have enjoyed a car insurance discount before, you may not be able to continue to enjoy it in the second year, and the discount will be reduced. As with compulsory liability insurance, the more times you go out of insurance, the more expensive the premium will be for the second year.

Commercial insurance is not mandatory, ** is mainly determined by each insurance company and is calculated as follows:

Commercial insurance discount coefficient = NCD coefficient of no compensation (NCD coefficient) * independent underwriting coefficient * independent channel coefficient * traffic violation coefficient.

It's not that it will**, but there is no discount, if you don't have insurance, it's cheaper and cheaper every year, and it's capped in three years.

It's not how much, it's that there is no discount on the original price of insurance.

If you only go out once, the premium for the second year should not be long.

After the insurance in the current year, the insurance for the next year is not folded, which is the same as when buying a new insurance and changing insurance companies.