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After buying a car, most people will buy all kinds of insurance for the car. Compulsory traffic insurance is the insurance that must be purchased by law, while commercial insurance is the insurance that is purchased voluntarily according to the actual needs of car owners. So someone asked how much is commercial auto insurance in the first year? The following small series summarizes the legal knowledge of commercial auto insurance prices for everyone, hoping to help everyone.
First, the concept of commercial auto insurance
Vehicle commercial insurance is to add a guarantee to private cars. Details of vehicle commercial insurance: Third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch insurance, self-ignition insurance and non-deductible compulsory insurance are compulsory insurance stipulated by law, and are also necessary protection for you and your car.
It can greatly reduce your financial burden and resolve disputes in the event of an accident. Most importantly, if you don't apply for insurance, you can't get a license, transfer ownership or annual inspection. Once investigated, they will be detained and punished with double premium! Of course, if
Second, one-year auto insurance premium
First of all, let's take a look at the car insurance of domestic models for one year, which is about 654.38+ 10,000 yuan. Generally, a car with a price of 654.38+ 10,000 yuan should be insured with four basic types of insurance: third party liability insurance (654.38+ 10,000 yuan), car damage insurance, accidental injury insurance for people on board, and no deductible insurance. The premium in each city will be different. Let's ignore this difference for the time being. In a medium-sized city, for example, the car insurance for the 6.5438+10,000-yuan model costs about 3,700 yuan a year. About 200,000 mid-to-high-end cars should be insured against vehicle scratch and broken glass. As for theft and emergency rescue, we should choose according to local conditions, which is not included here for the time being, so it will cost about 4500 yuan a year. About 500 thousand high-end cars, it is recommended to buy more stolen cars, which cost nearly 7000 yuan every year. The calculation of how much these auto insurances cost a year is aimed at new cars. Cars in different years will have different rates. Generally, with the increase of car age, the premium will increase accordingly.
Third, the method of determining the price of auto insurance
(1) Compulsory compulsory traffic insurance is generally in 950 yuan, but it can be reduced by 30% at the lowest according to the floating rate mechanism;
(2) Car damage insurance is determined by the sum of fixed premium and vehicle type specific cost;
(3) The three risks are determined by the insured amount;
(4) Theft rescue is determined by the proportion of vehicles;
(five) the liability insurance for personnel on board the vehicle shall be determined by the maximum compensation limit for personnel on each vehicle;
(6) The risk of scratches is determined by the insurance price;
(7) Only the risk of glass breakage is determined by distinguishing imported products from domestic products;
(8) Excluding deductible insurance, it is generally a fixed rate.
Some types of insurance are not commonly used, so I won't introduce them here. Let's look at the insured price.
To sum up, the cost of commercial auto insurance in the first year needs to be determined according to different models, service life, purchase price and insurance types. Generally speaking, the wider the coverage of commercial insurance, the higher the corresponding insurance premium. If you have any questions about this, please consult our lawyers and they will give you a more detailed answer.
Extended reading:
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