The first year compulsory insurance premium for ordinary private cars is 950 yuan. If there are no accidents in the first year, the compulsory insurance will decrease 10% in the second year. Commercial auto insurance is divided into main insurance and additional insurance. The main insurance mainly includes third party liability insurance, car damage insurance, burglary insurance and vehicle personnel liability insurance. Additional risks include scratch insurance, water insurance, spontaneous combustion insurance and deductible.

It would be nice to buy a car with a loan and insurance the next year. In addition to compulsory insurance, you can also buy some basic insurance, such as third party liability insurance, burglary insurance, scratch insurance, car damage insurance and vehicle personnel insurance, excluding deductible insurance.

After the first year of insurance for a new car expires, the actual insurance situation can be compared with the insurance amount setting. At this time, the result of insurance in the first year is not only a pity, but also a basis for new car insurance in the second year. At this time, choosing insurance is more targeted and instructive than the first year.

Extended data:

Precautions:

1, when buying insurance, you should pay attention that not all items need to be insured, just buy the most important items. You also need to see the insurance commencement date clearly, and you need to renew the insurance in time after the policy expires. Be sure to find out the date when the auto insurance expires every year, so as not to bury hidden dangers for claims.

2. If the owner's driving skills are very good, and he usually pays attention to the maintenance and safety protection of the vehicle, he can retain the owner who has no accidents during the insurance period, and the value of the vehicle is not high and the economy is not rich, he can choose to renew the insurance. For example: compulsory insurance, car damage insurance, excluding deductible insurance and so on.

3. Renewing auto insurance with the value of the car is actually equivalent to the owner's recognition that the insurance coverage of all auto parts is based on their depreciated prices. When the car is damaged, the insurance company can only compensate according to the proportion between the actual value and the price of the new car, and the insufficient part shall be borne by the owner. In order to maximize their claims, it is recommended that you purchase auto insurance with the purchase price of a new car as the insured amount when renewing the insurance.

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