How to calculate the cost of Ping An Insurance in the second year?

In the second year, the car insurance cost is calculated, and the price is about 665 yuan: 1. Compulsory insurance: As long as there are two or more accidents in the same year, the discount will be reduced.

According to the latest insurance regulations: the one-year premium of auto insurance is10% of the standard premium; Those who have not been insured for two consecutive years enjoy a 20% discount on the standard premium; Not insured for three consecutive years-30% discount is also the lowest discount for compulsory insurance.

In case of an accident in the previous year, the premium shall be paid according to the standard premium; In case of two or more accidents, the premium shall be paid at 10% of the standard premium, and the maximum premium shall be paid at 30% of the number of accidents.

2. Commercial insurance: Each insurance company's insurance policy is different, and the number of accidents insured and the amount of claims are the key.

The policies of commercial insurance companies are different.

There are two indicators to measure, one is the number of accidents and the other is the amount of claims.

However, the preferential policies of various insurance companies will be adjusted every year, and the policies will be different for different models and types of insurance.

Generally speaking, if the total premium of commercial insurance only occurs once, and the total amount of claims is less than the total premium of the previous year, you can enjoy the same preferential margin of the previous year.

However, if the number of accidents exceeds two or more times, not only will you not enjoy the discount, but you may also increase the discount; 3. If there are no more than two accidents in the last year as stipulated in Pacific Auto Insurance, the amount of claims shall not exceed the total premium of commercial insurance, and the price of commercial insurance shall not rise in the second year; If Ping An Auto Insurance is insured only once, it will not affect the premium of the second year.

If you apply for insurance twice, the claim amount will not exceed the commercial insurance premium of the previous year, and you can still enjoy the same preferential treatment in the second year.

If it is exceeded, the premium will increase.

Million car purchase subsidy