Global trade intelligence newsletter

List of catalogs of this article:

• 1,Global trade intelligence newsletter List of automobile insurance types
• 2, What kind of car insurance do you usually buy?
• 3, Car How much is the insurance per year
• 4, What kind of insurance do you usually buy for cars?

List of automobile insurance types

1. What are the types of insurance in automobile insurance?Auto insurance is mainly divided into two categories: traffic insurance and commercial insurance. Among them, traffic insurance must be insured, while commercial insurance can be insured according to your own needs.

2. Vehicle personnel liability insurance: compensate for the loss of injury or death of personnel on the vehicle in traffic accidents. Separate glass breakage insurance: compensate for the loss of separate broken glass of the vehicle. Spontaneous combustion loss insurance: compensate for the loss caused by spontaneous combustion of the vehicle.

3. The types of insurance of automobile insurance mainly include: traffic insurance, which belongs to both a large category and a separate type of insurance; commercial insurance, the types of commercial insurance include vehicle damage insurance, third-party liability insurance, theft insurance, glass insurance, scratch insurance, vehicle personnel insurance and non-deductible and other types of insurance.

What kind of car insurance do you usually buy?

Generally, car damage insurance, third-party liability insurance, car personnel liability insurance and their additional insurance will be purchased. Commercial vehicle insurance: including vehicle damage insurance, third-party liability insurance, vehicle personnel liability insurance and additional insurance, which provide protection for the vehicle itself, the third party in the accident, the occupants of the vehicle, the absolute deductible and the scratch insurance of additional insurance.

Vehicle insurance generally requires traffic insurance, vehicle loss insurance, third-party liability insurance, vehicle stop loss insurance, and scratch insurance. Among them, traffic insurance is a must-buy insurance according to national law. Traffic enforcement insurance Traffic enforcement insurance (full name compulsory motor vehicle traffic accident liability insurance) is the first compulsory insurance system in China prescribed by national law.

If you want to buy car insurance, you should buy traffic insurance, third-party liability insurance, car damage insurance, theft and robbery insurance, and vehicle personnel liability insurance: priority is given to purchasing full third-party liability insurance.When buying car insurance, you should put the ability to compensate for others' losses first, otherwise you will only be helpless after an accident.

Traffic compulsory insurance Traffic compulsory insurance is the basic type of insurance in vehicle insurance. It is compulsory insurance, and all private cars must be purchased. The main function of traffic enforcement insurance is to compensate for third parties' casualties, property losses and other related expenses in traffic accidents.

Traffice enforcement insurance: You can't travel without buying traffic enforcement insurance. Third-party liability insurance: Third-party liability insurance, like traffic enforcement insurance, is compensation for the victim's third party, which is actually a supplement to traffic enforcement insurance.

How much is car insurance per year?

The insurance cost of ordinary private cars is in the range of 2,000-8,000 yuan. The first is traffic enforcement insurance, which must be purchased for every car. The national price is 950 yuan (less than 6 seats) a year. If the car does not have traffic insurance, the car is not allowed to drive on the road, and if it is caught by the traffic police, it will be detained.

Insurance varies depending on the price and amount of insurance. Take the car insurance discount of 150,000, 100,000 and 60,000 as an example: the price of full insurance in the first year of a new car is about 6,500 yuan;The first-year comprehensive insurance price of a new car of about 100,000 yuan is about 5,600 yuan; the first-year comprehensive insurance price of a new car is about 60,000 yuan, and the first-year full-insurance insurance price is about 4,800 yuan.

This depends on the price of the car. If it is a car of 200,000 yuan, it should be in the range of 800-1000. The calculation method of car damage insurance is: the basic rate of the price * rate coefficient = basic rate.

What kind of insurance do you usually buy for cars?

1. Vehicle insurance generally requires traffic insurance, vehicle loss insurance, third-party liability insurance, vehicle stop loss insurance, and scratch insurance. Among them, traffic insurance is a must-buy insurance according to national law. Traffic enforcement insurance Traffic enforcement insurance (full name compulsory motor vehicle traffic accident liability insurance) is the first compulsory insurance system in China prescribed by national law.

2. Generally, car damage insurance, third-party liability insurance, automobile personnel liability insurance and their additional insurance will be purchased. Commercial vehicle insurance: including vehicle damage insurance, third-party liability insurance, vehicle personnel liability insurance and additional insurance, which provide protection for the vehicle itself, the third party in the accident, the occupants of the vehicle, the absolute deductible and the scratch insurance of additional insurance.

3. When purchasing car insurance, you generally need to provide relevant information about the vehicle and the owner, such as the nature of the vehicle use, the vehicle model, the age of the owner, the mileage of the vehicle, etc., and then pay the insurance premium according to the prescribed rate according to your own actual situation.