How are the various price lists for vehicle insurance calculated?
Car insurance reform has begun, there are a lot of car owners before the car insurance has not expired, most owners are not very concerned about this, until recently they have to renew their insurance, only to find that the new car insurance let people "do not understand". According to the China Insurance Association released the previous year's annual data, the national compulsory insurance insured motor vehicles *** counted 278 million, visible car insurance and everyone's close relationship. How are the various price lists for vehicle insurance calculated?
1, the different types of car insurance
The type of car insurance is divided into mandatory insurance, primary insurance and additional insurance three. Compulsory insurance is compulsory insurance, compulsory insurance is the national standard: ordinary private cars with less than 6 seats a year's premium is 950 yuan, household 6 seats more than a year's premium is 1100 yuan. The main insurance includes vehicle damage insurance, third party liability insurance, theft insurance and car liability insurance.
2, the vehicle is how to compensate
Vehicle damage insurance is responsible for compensation due to natural disasters or accidents caused by the vehicle itself. This is the most important type of vehicle insurance. To insure or not to insure this type of insurance, need to weigh its impact, if not insured, the vehicle collision repair costs have to be borne entirely by their own.
3, the use of aids
It is recommended to use the online car insurance calculator according to their own actual situation, more time-saving, much more convenient. Generally Internet car insurance will be quoted for the vehicle, just enter the basic information of the vehicle, you can know how much you want to buy the type of insurance will cost about how much. Car Insurance Calculation Formula
1.? Vehicle Damage Insurance Premium = Basic Premium + Amount of Insurance for this Coverage x Rate
2.? Third Liability Insurance Premium = Fixed Premium for Fixed Class Limit of Indemnity
3.? Premium for total auto theft insurance = actual price of the vehicle x rate
4.? Premium for New Equipment Loss Insurance=Amount of insurance for this type of insurance×Rate
5.? Separate Glass Breakage Insurance Premium = Purchase Price of New Car x Rate
6.? Natural Damage Insurance Premium = Amount of coverage for this policy x rate
7.? Vehicle Liability Insurance Premium = Limit of Indemnity of this insurance x Rate
8.? Vehicle cargo falling liability insurance premium = the limit of indemnity of this type of insurance × rate
9. Exemptions special insurance premium = vehicle damage insurance premium + third party liability insurance premium × rate
After the note: vehicle insurance cost calculation, you should also know the price of different insurance channels, the same new car, the insurance company to give higher discounts, naturally, the required to pay the lower the premiums will also be. The exact cost of private car insurance is related to the insurance company of the private car owner, and the cost is different for different insurance companies.
2022 small car compulsory insurance charges
Two, 2022, the latest compulsory insurance charges breakdown
Compulsory insurance new car the first year: 950 yuan, the vehicle tax is a year of 360, the new car is to pay the tax by the month, the second year you do not have insurance, the compulsory insurance concessions of 10%, the third year no insurance, the compulsory insurance concessions of 20%. If you don't have insurance in the second year, you can get a 30% discount on compulsory insurance.
Is 2,200 expensive for car insurance in 2022
Expensive.
1, the car is required to buy car damage insurance, general car damage insurance each insurance company difference is not very big, but the price is in a thousand dollars up and down. The basic compulsory insurance + tax + third-party liability insurance 1 million car insurance also only need 1200 yuan.
2, combined with the above analysis 2022 car insurance two thousand two is still quite expensive.
How to calculate the vehicle insurance in 2022
Driving people know that you have to buy insurance for your own car, not only is the state mandatory to buy compulsory insurance but also need to buy some third-party liability insurance and damage insurance, etc., then how to calculate the vehicle insurance in 2020? I believe that many friends are more concerned about this issue, the next by me for you to organize some of the knowledge in this regard, welcome to the big
2022 how to calculate the vehicle insurance
Driving people know that you need to buy insurance for their own cars, not only is the state mandatory purchase of compulsory insurance but also need to buy some of the third-party liability insurance and damage insurance, etc., then 2020 how to calculate the vehicle insurance? The first thing you need to do is to get a good deal of money to pay for the insurance. I believe that many friends are more concerned about this issue, the next by the I have organized some knowledge about this, welcome to read!
How to calculate the vehicle insurance in 2020
A car insurance classification
Car insurance is divided into basic insurance and additional insurance. The basic insurance includes third-party liability insurance, car damage insurance, vehicle liability insurance and theft insurance; additional insurance includes separate glass breakage insurance, spontaneous combustion damage insurance, exemptions and special insurance. The compulsory insurance also belongs to the broad third party liability insurance, is mandatory insurance, car owners must buy.
Second, the car insurance price determination method
The compulsory insurance follows the floating rate mechanism;
The car damage insurance for the fixed premium and the model rate cost and to determine;
Three insurance through the amount of coverage to determine;
Theft insurance through the model rate cost to determine;
Vehicle occupant liability insurance for each vehicle occupants of the highest compensation limits;
Scratch insurance is determined by the premium;
Individual glass breakage insurance is determined by distinguishing between imports and domestics;
Deductible insurance is generally a fixed rate.
Three, how much car insurance a year
The calculation of how much vehicle insurance a year are for new cars, different years of cars, there will be different rate standards, generally with the increase in the age of the car, the premium will increase accordingly.
Four, auto insurance cost formula:
1. Fixed-rate insurance vehicle insurance formula: compulsory insurance and commercial third-party liability insurance are fixed premiums, that is, unrelated to the price of the car, the owner can according to their own actual situation or needs to pay the appropriate premiums.
2. Vehicle insurance formula for floating rate insurance: Floating rate insurance includes vehicle damage insurance, total theft insurance, vehicle occupant liability insurance, glass breakage insurance, and exemptions insurance. These types of insurance in the vehicle insurance formula *** the same characteristics are related to the price of the car, and has the corresponding rate factor, the same car in the country in different provinces and cities insured, its base premium will be different.
The final premium for compulsory automobile insurance = the base premium ××
Compensation = the actual value of the insured vehicle at the time of insurance × the proportion of responsibility for the accident ××-absolute deductible
After the occurrence of a total loss of the insured vehicle, if the amount of the insurance is equal to or lower than the actual value of the insured vehicle at the time of the accident, the compensation will be calculated on the basis of the amount of the insurance. That is: compensation = insurance amount × accident responsibility ratio × × - absolute deductible.
If there is still any doubt, also provides online counseling services, welcome to car consultation.
What is the new policy of vehicle insurance in 2022
Motor vehicle insurance has come out with some new policies, motor vehicle insurance is "car insurance", is a kind of means of transportation insurance with the motor vehicle itself and its third-party liability as the insurance symbol. So what are the new policies for vehicle insurance this year? The next by the I have organized some knowledge about this, welcome to read!
What are the new policies of vehicle insurance in 2020
"Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability"
Article 11 of the policyholder shall truthfully inform the insurance company of the important matters when taking out insurance.
Important matters include the type of motor vehicle, make and model, identification code, license plate number, the nature of use and the motor vehicle owner or manager's name, gender, age, residence, identity card or driver's license number, the motor vehicle before the renewal of accidents, and the State Council Insurance Regulatory Commission stipulates other matters.
Article XII of the compulsory insurance contract for motor vehicle traffic accidents, the policyholder shall pay all the premiums; the insurance company shall issue to the policyholder insurance policy, insurance mark. The insurance policy, insurance mark shall indicate the insurance policy number, license plate number, insurance period, the name and address of the insurance company and claims telephone number.
The insured shall place the insurance sign on the insured motor vehicle.
The pattern of the insurance mark is uniform throughout the country. Insurance policy, insurance mark by the State Council Insurance Supervision and Administration Supervision. No unit or individual shall forge, alter or use a forged or altered insurance policy, insurance mark.
The above content is organized by me, I hope to help you. If there is still any doubt, it is recommended to consult a professional. Dedicated to creating a high-quality automotive consulting service platform for everyone. how to calculate the vehicle insurance in 2022 what is the new policy of vehicle insurance in 2022 @ 2019
How much does compulsory insurance cost in 2022
Compulsory insurance 2022 payment is as follows:
Compulsory insurance costs are generally in the range of a few hundred to a thousand dollars or so, the new car for the first time then The price of compulsory insurance is 950 yuan, is not entitled to discounts. The second year to renew the specific how much to pay, is to increase or decrease depends on the previous year's insurance situation and traffic violations, the rate is fluctuating.
According to the latest compulsory insurance fee standard in 2021, the final premium of compulsory insurance is calculated as follows: the final premium of compulsory insurance = the basic premium of compulsory insurance ×.
a1 no responsible road traffic accidents in the last year - 10%;
a2 no responsible road traffic accidents in the last two years - 20%;
a3 no responsible road traffic accidents in the last three or more years - 30%;
a4 one responsible road traffic accident that did not involve a fatality in the last year 0%;
a5 two or more responsible road traffic accidents in the previous year - 10%;
a6 one responsible road traffic fatality in the previous year - 30%.
a6The last year, 30% of road traffic fatalities.
a6The last year, 30% of road traffic fatalities.
a6The last year, 30% of road traffic fatalities.
When there is no liability, the limit of compensation for death and disability is $11,000; the limit of compensation for medical expenses is $1,000; and the limit of compensation for property damage is $100.
Death and disability compensation limit and no-liability death and disability compensation limit is responsible for compensation for funeral expenses, death compensation, the victim's relatives for funeral expenses, disability compensation, disability aids, nursing care, rehabilitation, transportation, living expenses of dependents, accommodation, lost wages, the insured in accordance with the court's decision or mediation of the moral damage compensation.
The insured shall be responsible for compensating the medical expenses, consultation fees, hospitalization fees, hospital meal subsidies, necessary and reasonable follow-up treatment fees, cosmetic surgery fees, and nutritional expenses under the limit of compensation for medical expenses and the limit of compensation for medical expenses for which the insured is not liable.
The difference between compulsory insurance and commercial insurance
The principle of compensation is different. According to the provisions of the Road Traffic Safety Law, the insurance company will pay compensation within the liability limit of compulsory insurance for personal injury or death and property damage caused by traffic accidents of motor vehicles. While in commercial insurance, the insurance company determines the liability based on the responsibility of the policyholder or insured in the traffic accident.
The scope of coverage is different. The coverage of compulsory insurance is wide, while the coverage of commercial insurance is relatively narrow. In the event of an accident, compulsory insurance not only bears the insured person is responsible for the damage liability, but also bears the insured person is not responsible for the corresponding damage liability. Commercial insurance in the insured person is not responsible or no fault, the insurer does not assume liability. In addition, in the commercial insurance provisions of the "liability exemption" under the many insurers do not assume compensation for the situation.
Different mandatory. According to the "motor vehicle traffic accident liability insurance regulations", the owner or manager of the motor vehicle should be insured against compulsory insurance. At the same time, the insurance company can not refuse to underwrite, shall not be delayed and shall not be arbitrary termination of the contract. While commercial insurance is not mandatory, the policyholder and the insurance company to enter into an insurance contract under voluntary and equal conditions.
Differences in insurance rates. According to the "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability", the compulsory insurance is a unified insurance terms and base rate, the CIRC approves the rate according to the principle of "no profit, no loss" for the compulsory insurance business in general. On the other hand, commercial insurance is profit-oriented and the premium rate is higher. The premiums for commercial insurance depend on many factors, such as the amount of insurance, the model, the age of the car and so on.
The limits of compensation are different. Compulsory transit insurance has a sub-limit of liability. The contract of compulsory insurance stipulates that it is responsible for compensating for each accident within the compensation limit under certain items, such as the compensation limit of death and disability is 110,000 yuan, the compensation limit of medical expenses is 10,000 yuan, and the compensation limit of property damage is 2,000 yuan. The compensation limit of commercial insurance can be chosen by the insured in 50,000 yuan to 1 million yuan or more, which is much higher than the compulsory insurance.