#新车出险后, how much is the premium increased #Second year car insurance is as follows: 1: When the car pays insurance in the second year, it is necessary to separate the commercial insurance and the compulsory traffic insurance, why? Because of these two

#新车出险后, how much premiums rise #Second Year Car Insurance are as follows:

1: When the car pays insurance in the second year, it is necessary to separate the commercial insurance and the compulsory insurance, why? Because the nature of the two insurances is not the same, the relevant regulations and insurance scope are slightly different, so there are certain differences in the calculation methods of the two.

The price of compulsory traffic insurance is not fixed, and its price is also related to the owner's driving skills. According to the regulations, when paying compulsory insurance to the car in the second year, it is necessary to see the driving situation of the owner in the first year, that is, it is necessary to see whether the owner has committed anything in this year, whether there has been a traffic accident, etc. If the owner's driving skills are very good, in the first year of driving process has not had any accidents, then the owner in the second year and the third year of the delivery of compulsory insurance when the price will be reduced, the following to tell you about the specific algorithm.

For example, if Mr. Zhang did not have anything else when driving the car in the first year, that is, there was no insurance, then in the second year, the price of compulsory insurance will be 10% less than in the first year, and in the third year, the price will drop to 80% of the original price. But if the first year is the same as the first year, except for things, the second year is still the same as the first year, but if there are two things, it will be 10% more. This is one of the second year premiums for car insurance.

2: Another point to be pointed out is that if the owner of the car has a drunk driving situation in the process of driving, then the traffic insurance will rise.

In the second year, in addition to paying compulsory insurance, the car also has to pay commercial insurance. How much commercial insurance is paid, which also depends on the driving situation of the owner in the first year, in some ways, it is still similar to the traffic insurance, as long as the driver performs well, it will decline, and vice versa, it will rise.

Generally speaking, car owners can enjoy the benefits of price reduction in the first year as long as they meet the following conditions. First, you have to have no insurance in the first year, second, the number of insurance trips should be less than twice, including two times, and finally, the amount of the first year needs to be less than the amount of insurance. The car mainly meets the above three conditions to be eligible for the discount in the second year, otherwise, it cannot enjoy the discount.

3: In addition to the above two mandatory insurance premiums, the owner can also buy some additional insurance, these insurance should be determined according to their own situation, not that the more the better, but to suit themselves, insurance if used well, can protect their own maximum interests, but if not selected, in the end may end up