How much is car insurance third party insurance a year, and how much is third party liability insura

Hello! Premium for Commercial Third Party Liability Insurance = Base Premium Multiplied by the applicable coefficient in the applicable rate coefficient table.

You can do the math yourself with the car insurance calculator () and you'll get an idea of how much you'll need in total. Hope mine is helpful to you!

First of all, I would like to share this latest list of car insurance companies with you"New Top 10 Auto Insurance Company Rankings".

The full name of car insurance is motor vehicle insurance, and according to whether it must be purchased or not, car insurance can be divided into commercial car insurance and compulsory traffic insurance. The following will introduce how to calculate the premium of car insurance.

1. Compulsory traffic insurance

The premium of compulsory traffic insurance is a uniform national charging standard, and the premium is the same for the same model. The main factors that affect ** are the purpose of the vehicle, the model and the number of accidents.

The formula for calculating the insurance premium is: the final premium of the compulsory liability insurance = the basic insurance premium of the compulsory liability insurance (1 floating rate).

2. Commercial auto insurance

(1) Third party liability insurance

The calculation of the premium for third party liability insurance is independent of the purchase price of the vehicleAs long as the car owner follows the rate schedule, he will be able to know the fixed rate, and then multiply it by the insurance company's discount to get the final premium.

The formula for calculating insurance premiums: premium = fixed rate and discount range from the insurance company.

(2) Liability insurance for persons on board

The premium calculation method for on-board occupant liability insurance is fixedThe main factors that determine its premium are the purpose of the vehicle, the number of seats in the vehicle, and the amount of insurance.

The formula for calculating the insurance premium: Liability insurance premium for occupants on board = insured amount Insurance rate Number of seats.

(3) Vehicle damage insurance

The amount of damage insurance is mainly determined based on the purchase price of the new car or the value of the vehicle at the time of insurance. The premium for vehicle damage insurance is determined in three main ways.

1.The amount of insurance is determined based on the purchase of a new vehicle**

Car damage insurance cost = base premium + new car purchase price rate.

Generally, the newer and shorter the age of the car, the cheaper the base premium, and the base premium is also related to the number of seats in the vehicle, and the more seats in the vehicle, the higher the base premium. The owner can determine in advance according to the number of seats and the age of the vehicle corresponding to the car damage insurance rate table.

2.It is determined according to the actual value of the vehicle at the time of insurance

Car damage insurance cost = basic premium + (new car purchase price at the time of insurance application - depreciation amount) rate.

The depreciation of the insured vehicle is calculated on a monthly basis, and the part less than one month is not depreciated.

3.It is determined by negotiation within the purchase price of the new car of the insured motor vehicle at the time of insurance

For new equipment other than the standard configuration of the insured vehicle, the name and list of the equipment should be written in the insurance contract, and the insurance amount can be increased according to the actual value of the equipment.

If you want to know how to buy car insurance at the best price, take a look at this article"Buy too much and waste, buy less and suffer a loss!" How much does it cost to buy car insurance a year? 》。

(4) Theft and rescue

When purchasing theft insurance, the insurance company generally determines the ** of theft insurance as 20% to 30% of the premium of car damage insurance. In other words, the insurance company directly replaces the insured amount of theft insurance with the insured amount of car damage insurance.

The formula for calculating the insurance premium:

1.Cost of New Car Theft Insurance = Base Premium + Naked Car** Rate.

2.The cost of used car theft insurance = original car price (1 - depreciation rate) theft insurance rate.

In addition to compulsory traffic insurance, what else car insurance needs to buy the most? If you don't already know, take a look at this article"What car insurance should be the best to buy".Hope!

Hello landlord!

Third-party liability insurance should be as important as compulsory liability insurance. It is recommended that it be included in compulsory insurance in the future. (I don't know if I'll be beaten to death if I suggest this.) Hehe, just kidding. ）

In other words, third-party liability insurance is very, very important. I remember that I announced a ** on the Internet before, and a taxi hit a luxury car. The initial damage assessment needs 700,000 yuan, and the taxi driver is very calm, saying that he will just take insurance.

Because he is insured with a third-party liability insurance of 1 million. ）

In the past, it was more subtle to buy three responsibilities for a car, and it meant to buy one hundred and twenty thousand. Yesterday, I just gave a van a car insurance commercial insurance, with three responsibilities of 1 million + without deductible. I think that's very good!

Why? Take the van as an example, the difference between the three responsibilities of 500,000 and the three responsibilities of 1 million is only about 300 yuan, but the difference in protection is a full 500,000 yuan! Maybe it won't happen if you buy it, but once you don't buy the full amount, you may not be able to turn over for some people for a lifetime.

As long as it is not illegal, even if there is a major traffic accident, it is basically borne by the insurance company.

Above, I hope it will be useful to you, thank you

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

Third-party liability insurance varies from 500,000, 1,000,000, and 1,500,000.

While protecting your car, don't ignore your own protection! Buying this way to save money is guaranteed "How much do smart people spend on insurance? Buy it this way, and easily leverage the million guarantee".

The maximum compensation limit for each accident of third-party liability insurance is the basis for the insurer to calculate the insurance premium, and it is also the maximum limit for the insurer to bear the compensation amount for each accident of third-party liability insurance.

The liability limit for each accident shall be determined by the policyholder and the insurer at the time of signing the insurance contract according to the grades of 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan, 1 million yuan, and more than 1 million yuan and not more than 10 million yuan. The maximum amount of compensation per accident of third party liability insurance should be determined according to the type of vehicle selected.

Summary. Dear, I'm glad to answer for you, the price of buying a car insurance third-party insurance is 100,000 yuan for the basic premium of the main insurance of 962 yuan, excluding deductibles; The basic premium of 200,000 yuan is 1,191 yuan, excluding deductibles; The basic premium of 300,000 yuan is 1,346 yuan for the main insurance, excluding the deductible; The basic premium of 500,000 yuan is 1,615 yuan, excluding deductibles.

Dear, I'm glad to answer for you, the price of buying a car insurance third-party insurance is 100,000 yuan for the basic premium of the main insurance of 962 yuan, excluding deductibles; The basic premium of 200,000 yuan of the sum insured is 1,191 yuan for the main old stool insurance, excluding deductible yuan; The basic premium of 300,000 yuan of the insured amount is changed to 1,346 yuan for the main insurance, excluding the deductible; The basic premium of 500,000 yuan is 1,615 yuan, excluding the deductible.

Automobile insurance is a type of commercial insurance shed that refers to the liability for the loss of the human chain or property of the motor vehicle due to natural disasters or accidents. It is a means of transport insurance that takes the motor vehicle itself and its third-party liability as the subject matter of insurance. The auto insurance business is a universal insurance business in the world.

The profit and loss of the auto insurance business affects the economic efficiency of the property insurance industry.

It takes 1,700 yuan to buy car insurance third-party insurance: 1. The mainstream insurance amount of third-party liability insurance is 200,000, 500,000, and 1 million.

2. The insured amount of 500,000 yuan needs to pay 1,721 yuan, which is yuan without deductible; The insurance amount of 1 million needs to be buried in 2,242 yuan, not counting the deductible, which means that the difference in money at each stage is about 600 yuan;

3. In addition to the third-party liability insurance, the must-buy insurance for commercial car insurance is car damage insurance, but in the actual purchase, many car owners are unwilling to buy car damage insurance, and they choose to buy three liability insurance, the biggest feature of third-party insurance is that the insurance amount is low, the compensation is high, although the probability of a major accident is relatively small, but once a serious disability accident occurs, 300,000 is easily paid; If you are lucky enough to almost hit a luxury car, the three-liability insurance of 1 million will be of great effect.

Millions of car purchase subsidies.

Hello! Under normal circumstances, the premium for the first year of 500,000 yuan of car insurance is 1,507 yuan to 1,995 yuan, and the experience is determined according to the nature of the vehicle. Among them, the premium for family cars is 1,507 yuan, the premium for enterprise cars with less than 6 seats is 1,734 yuan, the premium for ordinary family cars (less than 6 seats) is 1,721 yuan, the premium for 6-10 non-operating buses is 1,711 yuan, and the premium for 10-20 non-operating buses is 1,995 yuan.

As for the first year after the first year, the 500,000 ** of the three car closed insurance is related to the number of vehicle accidents, and you can enjoy certain discounts without insurance, and the more times you have insurance, the more the premium will rise. In any case, if you are able to purchase third party liability insurance, you can enjoy a discount of at least 15%.

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

The third party of car insurance is recommended to be at least 1 million.

Let's start with what third party liability insurance covers.

Three-party liability insurance (referred to as three-party liability insurance), full name: commercial third-party liability insurance. It refers to the amount of compensation that should be paid by the insured in accordance with the law due to the direct loss of personal or property suffered by a third party due to an accident that occurs in the process of using the insured vehicle by a qualified driver permitted by the insured, and the insurer will compensate in accordance with the relevant provisions of the insurance contract.

At the same time, if the insurance company agrees in writing, the insurance company shall bear the arbitration or litigation costs incurred by the insured. This type of insurance is mainly to ensure that the third-party victims of road traffic accidents receive timely and effective compensation. However, the aftermath of the accident needs to be handled by the insured.

The insurance company will pay you up to 30% of the limit of liability.

The meaning is very simple, that is, the driver has an accident while driving the car, causing the other party's vehicle and personal injury. For example, what if the person injured is serious? What to do if you hit a luxury car?

If you think about how much money you have to pay, if the third party amount is high enough, these will be paid by the insurance company. If it is too low, the insurance company will pay for it, and the rest will have to be paid by itself.

It's good that there is no accident, but if there is an accident, it can really solve our problem, so it is recommended that the insurance amount of the third party must be sufficient.

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

The answer depends on the specific model, more than 2,200 under 6 seats, and about 1,090 above 6 seats. The calculation of the premium of the third party liability insurance has nothing to do with the purchase price of the vehicle, as long as the car owner follows the rate schedule, he can get a fixed rate, and then multiply it by the insurance company's discount range, which is the final premium amount. In other words, the premiums paid by BMW and QQ may also be the same.

Third-party liability insurance refers to the direct loss of personal injury or property suffered by a third party due to an accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

At present, the compensation grades of third-party liability insurance are divided into 7 levels, which are 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, and 1 million yuan, and the corresponding standard premiums are 660 yuan, 954 yuan, 1088 yuan, 1182 yuan, 1335 yuan, 1602 yuan, and 2242 yuan respectively.

The premium mentioned here is the benchmark premium, and the actual premium for purchasing third-party liability insurance can be discounted or increased according to the service life and the claim record of the previous year, and the premium discount range of each insurance company is also different.

Combined with the current level of social development and the compensation of accidents, if it is an economically prosperous area, it is recommended that the majority of car owners purchase three insurance with a compensation amount of 1 million, economically underdeveloped areas (such as third- and fourth-tier cities) are recommended to insure 500,000, and car owners with strong economic ability are recommended to buy 1 million.

Combined with the current level of social development and the compensation of accidents, if it is an economically prosperous area, it is recommended that the majority of car owners purchase three insurance with a compensation amount of 1 million, economically underdeveloped areas (such as third- and fourth-tier cities) are recommended to insure 500,000, and car owners with strong economic ability are recommended to buy 1 million.

It should be reminded that the third-party liability insurance of more than 1 million yuan needs to be applied for separately by the insurance company, and it cannot be handled in 4S stores and insurance points. It is also important to note that the premium of third party liability insurance is not related to the vehicle**.

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