My car is new. 1 accident. It took 9200. How much more premium do I have to pay in the coming year?

Hello, the premium should not increase and will only maintain the original price this year, and the insurance will increase twice, I hope mine will help you!

If you have any questions about the vehicle, you can click on my avatar to follow, you can consult one-on-one, I will answer for you as soon as possible, thank you.

At present, the first year of compulsory insurance for household cars is 950, so the commercial insurance is 3550.

Your insurance is a one-sided accident, so it is deducted from the business, the compulsory traffic insurance does not affect, it is estimated that it will decline year by year, next year is 855, but some companies do not look at the compensation, only look at the number of times, two accidents compulsory traffic insurance rose by 10%, that is, 1045

If the commercial insurance is insured twice, it is generally between 10% and 20%, so the commercial insurance is about 4000-4500.

It's basically the same as the first year. The second year's premium is related to the number of accidents in the previous year, and has nothing to do with the amount of compensation.

If there is no closed compensation record during the compulsory traffic insurance and commercial auto insurance insurance purchased in the previous year, the insurance can enjoy the preferential treatment of no compensation rate reduction, and for customers who have not been insured within three years, they can be given a rate discount of up to 30%. For high-risk customers who have made a large number of claims in the previous year, the car insurance rate will also increase, and the rate can increase by up to 30% if the insurance is more than 5 times in a year.

In the event of an accident, the compulsory traffic insurance ** remains unchanged in the first year, 5 6-8.

1st year: 950 RMB, 1100 RMB.

Second year: 855 yuan, 990 yuan, third year: 760 yuan, 880 yuan.

Fourth year: 665 RMB, 770 RMB.

Fifth year: 665 RMB, 770 RMB.

Commercial insurance: no insurance for three consecutive years: discount, no insurance for two consecutive years: discount, no insurance for one year: discount, 1 time in the previous year: discount, 2 times in the previous year: discount, 3 times in the previous year: floating, 4 times in the previous year: floating, 5 times in the previous year: floating.

**The amount of the premium depends on the situation of the insurance. However, the insurance policy is that the insurance will not be discounted for the next year, and the insurance will be premiumed only after two accidents.

Extended reading: 1. Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, also known as car insurance. Vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

2. Final premium of compulsory automobile insurance = basic premium (1 + floating rate associated with road traffic accidents) (1 + floating rate associated with traffic safety violations).

After the car is insured, the car insurance premium will be increased in the second year, and the specific amount of the increase needs to be determined according to the amount of the claim, whether there is personal injury** and whether the insured item is compulsory traffic insurance or commercial insurance.

Auto insurance is divided into compulsory traffic insurance and commercial insurance. There is a difference in the cost at the time of renewal.

Compulsory liability insurance renewalCompulsory insurance is compulsory, and when the insurance is renewed, the compulsory insurance will be insured once, and the premium will be restored to the original price.

The first year: 5 seats 950 yuan, 6-8 seats 1100 yuan The second year: 5 seats 855 yuan, 6-8 seats 990 yuan The third year:

5 seats 760 yuan, 6-8 seats 880 yuan Fourth year: 5 seats 665 yuan, 6-8 seats 770 yuan Fifth year: 5 seats 665 yuan, 6-8 seats 770 yuan.

If the single compulsory insurance is out once, the original price will be restored, and the renewal discount of commercial insurance will not be affected.

Commercial insurance renewalSince 2016, the country has carried out two reforms of commercial auto insurance, (commercial auto insurance does not include compulsory traffic insurance), insurance companies can independently underwrite within the range, independent channel coefficient floating range, and the premium of commercial auto insurance is linked to the number of accidents. It will vary from company to company and from region to region:

Motor Vehicle Commercial Insurance Discounts:

No insurance for three consecutive years: the lowest discount;

No insurance for two consecutive years: the lowest discount;

1 year without insurance: the lowest discount;

1 accident in the previous year: the lowest discount;

2 times of insurance in the previous year: the lowest discount;

3 times in the previous year: minimum increase;

4 times in the previous year: minimum floating;

5 accidents in the previous year: the minimum increase.

There are two scenarios for the premium to change in the second year after one accident, the first 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, as a profit-making institution, 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 in which the premium changes in the second year is that the premium will remain the same.

First of all, once in a year, is a relatively small number of accidents, if the insurance company's compensation is not very high, then the insurance company will not increase the insurance cost under normal circumstances. Secondly, insurance companies also want to retain customers. If the premium is increased without causing a huge loss after just one accident, then the customer may be able to purchase insurance from other insurance companies.

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.

Driving on the road will inevitably have some small scratches, then we think of insurance, many friends have a doubt, how much will the premium of the car in the second year after the insurance increase?

It's not much more expensive, commercial insurance is about **7%, and the benchmark premium of compulsory traffic insurance. Compared with you last year, the amount of insurance for the same type of insurance is about 500 more expensive, depending on different regions, you can consult local insurance companies. The ups and downs of car insurance** are only related to the number of times you appeared in the previous year, and have nothing to do with the amount of claims, don't worry, others will definitely be more expensive than you for 3 times, no matter how much money you pay.

If you are in an accident (accident) - report the accident (report to the insurance company) - make a claim (pay for the repair of your car damage). If you buy the insurance in full in the second year, there will be no discount.

Hello! According to the new policy of car insurance rates, at present, the vehicle is insured once, and the premium for the second year will not be discounted or **, and the car owner still needs to pay insurance according to the proportion of the previous year. That is to say, the car insurance cost of 5,000 yuan was spent for many years in the previous year, and the premium is still 5,000 yuan for the previous insurance type for more than the second year.

If you want to save money on renewing your car insurance, you should also drive cautiously and make as few trips as possible. In addition, if you choose to apply for car insurance online, the premium itself can be discounted by more than 15%, and Huize.com is a very good choice, and you can also get the whole process of claim assistance service in the later stage. PICC Auto Insurance Advantages:

15% savings on commercial insurance premiums*Nationwide unlimited free rescue claimsFeatures:*1 hour notice for compensation; Free rescue of broken down vehicles * remote insurance, on-site claims; Accident car custody Huatai car insurance insurance advantages: * online insurance, commercial insurance save 15% * free non-accident roadside assistance claim features:

Exclusive private claims consultant* efficient service, quality maintenance.

As long as you have applied for insurance, then your compulsory traffic insurance will be restored to 950 yuan in the second year, and other commercial insurance will be converted at 9% of the original price, and the specific amount depends on your car price and insurance configuration. If the general repair cost is less than 500 yuan, it is best not to report insurance.

This situation is considered to be an accident, depending on the seriousness of the situation. Increase the renewal premium by 10% to 20% for the next year

The amount of the first payment of compulsory liability insurance is restored, and since the compensation to you has exceeded the insurance premium, there should be no discount for commercial insurance.

In your case, it's better to go to the insurance company and ask the salesman to help you calculate carefully.

In the absence of fatal accidents, the premium of car insurance is maintained unchanged once in the event of a fatal accident. If the insurance is not insured, the premium is reduced; If you have two or more accidents, the premium will increase. Regarding the question of how much it costs to renew car insurance, here is a money-saving strategy recommended by many people:

Car insurance has been insured, how to renew the insurance cost-effective and reliable?

1. How much is the renewal of compulsory traffic insurance?

The rate fluctuation of the renewal insurance of compulsory traffic insurance is as follows:

1) If there is a fault traffic accident in the previous year that does not involve death, the premium will not change;

2) If there were two at-fault traffic accidents in the previous year that did not involve death, the premium will be increased by 10%;

3) If there was a fatal accident in the previous year, the premium will be increased by 30%.

For example, a gentleman was involved in a traffic accident in the first year of buying a new car and unfortunately killed someone. Then the cost of compulsory traffic insurance in the second year is 950 (1+30%)=1235 (yuan). If you still don't understand the examples, you can also refer to this article to deepen your understanding:

How to renew the compulsory traffic insurance? You'll understand after reading it!

2. How much is the renewal of commercial auto insurance?

Commercial insurance is not compulsory, so the calculation of the premium for the second year after the accident will be much more complicated than that of compulsory insurance, and the general calculation formula is:

Commercial insurance premium = basic premium No compensation preferential treatment coefficient (NCD coefficient) Autonomous underwriting coefficient Autonomous channel coefficient Traffic violation coefficient.

Among them, (1) the independent underwriting coefficient: determined by the pricing system of the insurance company, generally floating;

2) Autonomous channel coefficient: insurance companies formulate different coefficients for different sales channels of auto commercial insurance, which are generally floating;

3) The coefficient of preferential treatment of no compensation and the coefficient of traffic violations (only available in Beijing, Shanghai and Shenzhen + Jiangsu) may be different for different car owners, which is related to the number of claims and violations.

Car insurance is insured once, and the insurance will be discounted the next year, but the discount will be smaller.

1. [Regulations on how much cheaper the compulsory traffic insurance is in the second year].

If there is no road traffic accident in the first year, the compulsory traffic insurance** will be reduced by 10%;

If there is a responsible road traffic accident that does not involve death in the first year, the compulsory traffic insurance** will not float;

If there are two or more road traffic accidents in the first year, the compulsory traffic insurance** will be increased by 10%;

If a road traffic fatality accident occurs in the first year, the compulsory traffic insurance** will be increased by 30%;

If drunk driving occurs in the first year, the compulsory traffic insurance** will be increased up to the maximum.

The types of insurance that need to be bought for general automobiles are: compulsory insurance, third-party liability insurance, vehicle loss insurance, full car theft insurance, glass breakage insurance, spontaneous combustion loss insurance, special insurance excluding deductibles, no-fault liability insurance, vehicle personnel liability insurance, and body scratch insurance.

Clause. 1. Compulsory traffic insurance: 950 yuan for 6 or less households per year, 1100 yuan for 6 or more households Total annual conventional insurance: (the average discount of the insurance company is 77%).

Second, the third liability insurance:

Amount of compensation: 50,000 100,000 200,000 500,000 1 million).

Clause. 3. Vehicle loss insurance: (cash to buy a car** This is to be fully insured.

The discount is on the basis of the first year, and there is a discount for one insurance, commercial insurance: no insurance for three consecutive years: discount, no insurance for two consecutive years:

Fold, one year without insurance: fold, 1 time in the previous year: fold, 2 times in the previous year:

Fold, 3 times out of risk in the previous year: floating, 4 times out of risk last year: up and down, 5 times out of risk last year:

FloatExtended Resources:

Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents caused by natural disasters or accidents.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

The best outcome is to maintain parity, not at a discount, and the normal is to increase the premium according to the situation.

Car insurance is insured once, and there is no discount for the second year.