How to calculate the second year of auto insurance mainly depends on the owner's own reasons. For example, the number of types of auto insurance insured by the owner, the more types of auto insurance the owner chooses, the more natural auto insurance costs in the second year; On the contrary, the fewer types of auto insurance you choose, the less you spend. Another point is related to the owner's own driving habits, which is usually called the number of claims.
Usually, insurance companies will stipulate the following three situations:
1, no accidents in the first year;
2. The number of accidents is less than twice (including twice);
3. The compensation amount in the first year is lower than the premium amount.
If the owner meets the above three conditions, then the owner will get a preferential insurance price in the second year. If the owner goes out of danger many times in the first year, the owner will not enjoy price concessions, and the insurance premium of the car will definitely rise in the second year, even higher than that in the first year. Some car owners will think of changing insurance companies. In fact, changing insurance companies will not help, because at present, most insurance companies' systems have been networked, and the accident records of car owners are clear at a glance. If you are in danger many times, the owner is willing to be included in the "blacklist" of insurance companies.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.